第三方支付服務於2012年才正式被經濟部明定，於台灣為一項新型態的支付工具，因此過去少有台灣使用者第三方支付使用意向之相關研究。本研究以整合性科技接受模型（UTAUT)及感知風險為理論基礎，進一步探討線上交易經驗對於其關係可能造成的影響。
本研究將問卷發放給曾有線上交易經驗的使用者進行填答，經實證結果後發現：線上交易經驗對於(1)績效期望與行為意向間有強化效果(2)社會影響與行為意向間有強化效果(3)感知風險與行為意向間有強化效果

Until 2012, Ministry of Economic Affairs made an announcement about the definition of the third-party payment services. Therefore, there were few researches about the user intention of third-party payment in Taiwan. This paper is based on Unified Theory of Acceptance and Use of Technology (UTUAT) model and Perceived Risk, testing the relationships among these variables and user intention. Moreover, this study argues that the relationships among these constructs are moderated by online transaction experience.

The study was tested using a survey of some 200 Taiwan users who had had online transaction experience. The findings revealed that the strength of the effect of three variables: 1.Performance Expectancy.2.Social Influence.3. Perceived Risk on user intention will vary with the level of online transaction experience.

論文審定書 i
摘要 ii
Abstract iii
目錄 iv
表目錄 vi
圖目錄 vii
第一章 緒論 1
第一節、 研究背景 1
第二節、 研究動機與問題 2
第三節、 研究流程 3
第二章 文獻探討與假說發展 5
第一節、 第三方支付 5
第二節、 整合性科技接受理論 7
第三節、 感知風險 12
第四節、 感知風險、經驗與使用意向 14
第三章 研究方法 16
第一節、 研究架構 16
第二節、 研究對象與抽樣方式 16
第三節、 問卷設計與研究變項 17
第四節、 資料分析與統計方法 21
第四章 研究結果與分析 23
第一節、 樣本基本資料分析 23
第二節、 因素分析 24
第三節、 相關分析 26
第四節、 研究假設之驗證 29
第五章 討論 37
第一節、 研究結果 37
第二節、 研究貢獻 40
第三節、 研究限制與未來研究方向 41
參考文獻 43
附錄 49
問卷 49

一、 中文部分
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二、 網站部分
1. 第三方支付產業現況與發展，彰化銀行專題報告，取得日期：2014年4月20日，資料來源: https://www.chb.com.tw/wps/wcm/connect/web/resources/file/ebd261487346a7a/-63-1&2-.pdf
2. 批踢踢實業坊簡介，取得日期：2014年1月31日，資料來源：https://www.ptt.cc/index.html
3. 電子支付機構管理條例草案擬訂進度說明，行政院金管會，取得日期：2014年6月5號，資料來源：http://www.banking.gov.tw/ch/home.jsp?id=169&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201405120003&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&toolsflag=Y
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