行動支付在台灣掀起一陣旋風，消費者購買物不需使用現金、支票或實體信用卡付費，只要使用手機等行動裝置即可支付各項費用，但新科技對消費者帶來不確定性因素之影響無法真實得知。因此，本研究採用TAM模型(Technology Acceptance Model)作為研究之概念性框架，進而探討保險公司之保戶對行動支付APP繳納保費的環境中，資訊系統、知覺便利性、知覺安全性、信任之間所產生影響，以了解保險公司之保戶的行為意圖。本研究研究對象為臺灣地區有保險保單且須要繳費之要保人及使用智慧型手機支付，共計452位有效樣本。本研究使用結構方程模式進行模式檢驗，經研究實證結果發現(1)資訊品質對信任及知覺易用性有顯著影響；(2)系統品質對信任及知覺易用性有顯著影響；(3)知覺便利性對知覺有用性顯著影響；(3)知覺安全性分別對知覺易用性、知覺有用性、信任有顯著影響；(4)信任分別對知覺有用性、使用態度及行為意圖有顯著影響；(5)知覺易用性分別對知覺有用性、使用態度、行為意圖有顯著影響；(6)使用態度對行為意圖有顯著影響。

In Taiwan, it has been seen as bringing a whirlwind of mobile payment. On purchase, consumers no longer need to pay by cash, checks or credit cards; now they can buy all kinds of merchandise with mobile payment APP. However, the new technology has brought consumers not only convenience but also uncertain effects. Therefore, this study used TAM (Technology Acceptance Model) as a conceptual framework to explore the effects of information system, perception of convenience, perceived security, and trust in the environment of the insured using mobile payment to pay the fee, in order to understand the behavioural intention of the insured. The objects of this study are the ensured in Taiwan, and a total of 452 valid samples has been collected. This study used structural equation modeling to test the proposed model. The empirical findings are described below: First, information quality has significant and positive effects on trust and perceived ease of use, respectively. Second, system quality has significant and positive effects on trust and perceived ease of use, respectively. Third, perception of convenience has significant and positive effects on perceived usefulness. Fourth, perceived security has significant and positive effects on perceived ease of use, perceived usefulness and trust, respectively. Fifth, trust has significant and positive effects on perceived usefulness, attitude toward using and intention to use, respectively. Sixth, perceived ease of use has significant and positive effects on perceived usefulness, attitude toward using and intention to use, respectively. Seventh, attitude toward using has significant and positive effects on intention to use.

第一章 緒論 1
第一節 研究背景 1
第二節 研究動機 8
第三節 研究問題與研究目的 11
第四節 研究貢獻與重要性 12
第五節 研究範圍與對象及研究流程 14
第二章 文獻探討 17
第一節 行動支付 (Mobile Payment) 17
第二節 資訊系統(Information System) 19
第三節 知覺便利性 (Perception of Convenience) 21
第四節 知覺安全性 (Perceived Security） 22
第五節 信任(Trust) 23
第六節 科技接受模型(Technology Acceptance Model, TAM) 24
第七節 變數之間的關係探討與假設建立 28
第三章 研究方法 35
第一節 研究架構及研究假設 35
第二節 研究變數操作性定義與衡量 38
第三節 問卷設計 47
第四節 資料蒐集方法 49
第五節 資料分析方法 50
第六節 共同方法變異問題之處理與檢測 53
第七節 問卷前測結果分析 54
第四章 資料分析 57
第一節 正式問卷發放 57
第二節 敘述性統計分析 59
第三節 共同方法變異檢測 68
第四節 信度與效度分析 74
第五節 結構模式分析 84
第五章 結論與建議 91
第一節 研究結論 91
第二節 管理意涵與貢獻 95
第三節 研究限制與後續研究建議 102
參考文獻 105
附錄一、前測問卷 117
附錄五、前測各構面量表收斂效度分析 126
附錄五、前測各構面量表收斂效度分析(續) 127
附錄五、前測各構面量表收斂效度分析(續) 128
附錄六、前測區別效度分析暨變數相關係數表 129
附錄七、前測各構面信度分析 130
附錄七、前測各構面信度分析(續) 131
附錄七、前測各構面信度分析(續) 132
附錄八、正式問卷 133

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