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研究生: 陳昱安
Chen, Yu An
論文名稱: 探討消費者對於零售商自有電子支付之使用意圖──以全支付為例
Examining Factors Influencing Customers' Adoption of electronic payment. Taking PX Pay Plus as an example
指導教授: 吳彥濬
Wu, Yen-Chun
口試委員: 黃仕斌
Huang, Shih Ping
謝焸君
Hsieh, Ying-Jiun
吳彥濬
Wu, Yen-Chun
口試日期: 2023/07/14
學位類別: 碩士
Master
系所名稱: 全球經營與策略研究所
Graduate Institute of Global Business and Strategy
論文出版年: 2023
畢業學年度: 111
語文別: 中文
論文頁數: 78
中文關鍵詞: 電子支付延伸整合型科技接受模式原品牌態度
英文關鍵詞: Electronic Payment, UTAUT2, Original brand attitude
研究方法: 調查研究
DOI URL: http://doi.org/10.6345/NTNU202301352
論文種類: 學術論文
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  • 多樣化的支付場景逐漸匯聚,再搭上外送平台服務的發展熱潮,形成更加豐富的應用場景基礎。品牌商在相互競爭時,如何更吸引消費者使用其品牌之電子支付工具,是眾多業者目前更加急迫想要了解的課題。
    本研究藉由UTAUT2模型為基礎,以曾經體驗過全聯服務的消費者角度作為出發點,另外在模型架構下加入原品牌態度及先前產品使用經驗,以更全面探討消費者對於全支付的使用意圖與實際使用行為,本研究也探討了先前系統使用經驗對於各構念間之路徑關係是否有干擾效果。
    本研究取樣方式是以Google線上問卷隨機給予各年齡層的受測者填答,收回之有效問卷共381份,再依據學者之建議採用Smart PLS 4.0 作為資料分析工具。透過測量模型,各潛在變項皆有符合信、效度的衡量標準,經由結構模型分析發現促成條件、價值衡量和習慣對於受測者之全支付使用意圖有顯著影響,同時,促成條件和習慣對於實際的全支付使用行為也有顯著影響,然只有一個干擾效果假說成立,即先前系統使用經驗對於價值衡量和全支付行為意圖之間存在干擾效果,最後藉由上述結果提出結論與建議。
    本研究之研究限制,給予後續的研究者能有一個參考方向,希望能夠幫助零售品牌商、支付業者等,在品牌之於延伸產品,以及新舊產品之間的關係,提供實務面的價值。

    The diverse payment scenarios are gradually converging, further fueled by the booming development of delivery platform services, creating a more abundant foundation for application scenarios. When brand businesses compete with each other, understanding how to attract consumers to use their brand's electronic payment tools is a pressing concern for many industry players.
    Based on the UTAUT2 model, this study takes the perspective of consumers who have previously experienced services from a specific brand as a starting point. Additionally, the original brand attitude and previous product usage experience are incorporated into the model framework to comprehensively explore consumers' intention and actual usage behavior towards PX Pay Plus. This study also investigates whether previous system usage experience has an interfering effect on the relationships among various constructs.
    The sampling method for this study involved randomly distributing online questionnaires through Google to respondents of various age groups. A total of 381 valid questionnaires were collected, and Smart PLS 4.0 was adopted as the data analysis tool based on scholars' recommendations. Through the measurement model, all latent variables met the criteria for reliability and validity. The structural model analysis revealed that facilitating conditions, perceived value, and habit significantly influence users' intention to use PX Pay Plus. Additionally, facilitating conditions and habit also have a significant impact on the actual usage behavior of PX Pay Plus. Only one hypothesis regarding the interfering effect was supported in this study, indicating that previous system usage experience has an interfering effect on the relationship between perceived value and intention to use PX Pay Plus.
    Finally, considering the research limitations of this study, it provides a reference direction for future researchers, aiming to assist retail brands, payment providers, etc., in understanding the relationship between brand extension and new/old products, thereby offering practical value.

    第一章 緒論 1 第一節 研究背景與動機 1 第二節 研究問題與目的 4 第三節 研究流程 5 第二章 文獻探討 6 第一節 電子支付 6 第二節 全支付 9 第三節 UTAUT相關理論 12 第四節 UTAUT2 20 第五節 原品牌態度 27 第三章 研究方法 31 第一節 研究架構 31 第二節 變數操作性定義與衡量 32 第三節 問卷量表設計 36 第四節 資料分析方法 40 第四章 資料分析與結果 42 第一節 問卷回收情況 42 第二節 樣本結構分析 42 第三節 測量模型分析 46 第四節 結構模型分析 54 第五章 結論與建議 59 第一節 研究結論 59 第二節 管理意涵 62 第三節 研究限制 64 第四節 未來研究方向 65 參考文獻 66 附錄 74

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