本研究對消費者使用行動支付意圖分以「消費者使用行動支付所面臨之整體風險」及「消費者使用行動支付之態度」進行探討。本研究應用結構方程式分析整體風險及態度兩大構面之各項因素如何影響消費者使用意圖。整體而言，如果能有效降低隱私風險、經濟風險、社會風險與安全風險，將可以提高消費者使用行動支付之意圖；增加消費者對行動支付的感知有用性、感知易用性和信任程度，將可以提高消費者使用行動支付之意圖。
本研究採用問卷調查，共回收606份有效問卷，並將問卷分為有使用及無使用行動支付經驗進行分析。實證結果發現，對於有使用行動支付之樣本，社會風險影響消費者之使用意圖為正向顯著影響，而對於未使用行動支付之樣本，經濟風險對於尚未使用消費者之使用意圖為負向顯著影響。
This study explores the use of mobile payment intentions by consumers in terms of "the overall risk of consumer use of mobile payments" and "the attitude of consum-ers using mobile payments". This study uses structural equations to analyze how the various factors of the overall risk and attitude affect consumer intent. In general, if the risks of privacy, economy, society and safety in overall risk are effectively reduced, consumers would have a stronger intention of using mobile payment. Moreover, if consumers have stronger perceived usefulness and perceived ease of use and greater confidence in mobile payment, they would become more willing to use it.
In this study, 606 valid questionnaires were collected and the questionnaires were divided into useful and non-use mobile payment analysis. The empirical results show that for the sample with mobile payment, the social risk affects the consumer's intention to use is a positive positive impact, while for the sample of the unused mo-bile payment, the economic risk has a negative impact on the unused use intention of the consumer.
