科技逐漸創新情況下，無現金交易將成為未來主要的消費模式。本研究欲從經營小本生意的微型商家的角度出發，根據DeLone and McLean(D&M)資訊系統成功模型，探討行動支付系統之系統品質、資訊品質與服務品質對商家店員之影響及滿意度，以瞭解導入行動支付系統前後所帶來的改變，是否影響微型商家的營運狀況。除此之外，本研究更進一步瞭解商家尚未導入行動支付系統所考量的原因。
研究結果為資訊品質與服務品質皆對淨效益與滿意度呈正向顯著，並且使用者滿意度對淨效益也呈正向顯著，系統品質則對滿意度及淨效益不顯著。而未導入系統之商家主要兩個原因是對系統的穩定性存有疑慮，以及供應商抽成對小本生意的商家造成營業負擔。總體而言，若提高整體資訊系統之品質，則使用者滿意度及商家淨效益將提升。本研究可作為供應商改善行動支付系統的依據，有助於增加商家使用意願，以達到全面無現金支付之目標。
With the gradual innovation of technology, cashless transactions will become the main consumption mode in the future. This research intends to explore from the per-spective of microenter-prise operating small businesses. The main framework of this paper is based on the DeLone and McLean(D&M) information system success model to explore that the impact and satisfaction of the system quality, information quality and service quality of the mobile payment system on the store staff. The purpose is to understand whether the changes brought about before and after the import of the mo-bile payment system are affected the business status of the enterprise. In addition, this paper further understands the reasons why merchants have not yet imported mobile payment systems.
The empirical results are that information quality and service quality have signifi-cant affect user satisfaction and net benefit, while system quality has no significant affect with user satisfaction and net benefit. Additionally, two main reasons for the merchants who have not imported the system are that “they have doubts about the sta-bility of the system”, and “the supplier's fee is too high for microenterprises”. In gen-eral, if the overall quality of the system is improved, and enterprises' doubts about system risks are eliminated. And it is believed that the willingness of enterprises to import and use mobile payment systems will increase in the future.
