近年來隨著資訊科技的快速進展，人們日常生活中的消費與網際網路的連結也隨之越來越緊密，由於電子商務的逐漸興盛，人們的購物行為因此不再受到空間與時間之限制，更增添許多便利性及選擇性。但相較於傳統的支付方式，電子商務的支付，仍舊使消費者缺乏「安全」及「信任」。因此，第三方支付服務的出現，便為買賣雙方提供了一個公正第三方的角色，企圖替雙方創造一個雙贏局面。
　　近年來由於淘寶網及支付寶在台的盛行，使民眾逐漸對第三方支付服務的消費模式有了瞭解，本研究旨在探討此消費模式對台灣的顧客而言，有哪些因素能夠增進其使用意願，由於金融條件及環境背景之不同，過去探究的影響因子可能不再適用。因此，本研究歸納出四個可能之要素，以探討其是否對顧客在使用電子支付服務上具有影響力。
　　本研究以判斷與決策理論構成研究之基礎，並以跨域治理的角度去探討情境條件(如法規規範、金融環境)、事實與價值判斷(如使用經驗、個人偏好)與消費者利用電子支付平台操作電子商務行為之因果關係，透過探究影響消費者使用線上購物以及電子支付之因素，以經濟、社會、政策及管理四大目標去瞭解影響消費者對「電子商務結合電子支付」使用意願的結果與效用， 再加以彙整成本研究之研究構面。
　　由於中國大陸在極短時間內便蓬勃發展出完善的電子支付模式與體系，此現況更加刺激我國年輕族群正視電子支付此一領域。而中國大陸發達的不僅僅是電子支付單一面向，其近年來在各個面向都比我國發展的速度更為快速。而電子支付之所以又能比其他面向發展得更快，除了生活中經常使用的頻率之外，更在於其體現在日常生活上的便利性，讓民眾感受十分明顯，且因電子支付此一議題在政治、經濟上均無太大之衝突性及障礙，故除了個人隱私外洩及安全疑慮之課題須著重探討外，電子支付在未來發展性方面，無疑是極受關注且富有潛力的。

In recent years, with the rapid development of information technology, people's daily consumption and Internet connection is also getting closer, due to the gradual development of e-commerce, people's shopping behavior is no longer subject to space and time constraints , Adding more convenience and selectivity. But compared to the traditional payment methods, e-commerce payments, still make consumers lack of "security" and "trust." As a result, the emergence of third-party payment services provides buyers and sellers with a just and third-party role in an attempt to create a win-win situation for both parties.
　　In recent years, due to the prevalence of Taobao and Alipay in Taiwan, so that people gradually third-party payment services to understand the consumption patterns, this study aims to explore this consumption model for Taiwan's customers, what factors can enhance its use Will, due to financial conditions and environmental background, the impact of the past to explore the factors may no longer apply. Therefore, this study summarizes four possible elements to explore whether it has an impact on the use of electronic payment services to customers.
　　Based on the theory of judgment and decision-making theory, this study explores the conditions of the situation (such as regulatory norms, financial environment), fact and value judgments (such as experience, personal preference) and consumer use of electronic payment Platform to operate the causal relationship between e-commerce behavior, through the impact of consumers to use online shopping and electronic payment factors, to economic, social, policy and management of the four goals to understand the impact of consumer "e-commerce with electronic payment" Results and utility, and then to study the integration of the cost of research.
　　As the Chinese mainland in a very short period of time will be vigorous development of a perfect electronic payment model and system, this situation is more exciting to our young people face the electronic payment in this area. The development of China's mainland is not only a single electronic payment, in recent years in all aspects of development than China's speed is more rapid. And electronic payment has been able to develop faster than the other, in addition to the frequency of life often used, but also in its convenience in daily life, so that people feel very obvious, and because of electronic payment of this issue There is no political and economic conflict and obstacles, so in addition to personal privacy and security concerns of the subject to be discussed, the electronic payment in the future development, is undoubtedly very concerned about and great potential.

論文審定書 i
中文摘要 ii
英文摘要 iii
目錄 iv
第壹章 緒論 1
第一節 研究背景 1
第二節 研究動機 2
第貳章 文獻探討 4
第一節 電子商務 4
第二節 網路商城/網路拍賣 4
第三節 電子支付 5
第四節 第三方支付 6
(一) 價格鏖戰 10
(二) 第三方支付之技術與風險 11
(三) 與銀行業之間的競爭 11
第五節 影響「結合電子商務與電子支付」商業模式的使用因素 14
一、安全性 15
二、便利性 16
三、內容豐富性 17
四、自我效能感 18
五、消費者使用意願 19
第參章 研究架構與方法 22
第一節 研究流程 22
第二節 研究步驟 23
第三節 研究架構 25
第四節 研究變數之操作性定義 28
第五節 研究方法 29
第肆章 資料分析 30
第一節 統計資料分析 30
一、曾經使用過電子支付服務 30
二、從來沒使用過電子支付服務 30
第二節 迴歸分析 47
第三節 研究分析結果 49
第伍章 結論與建議 51
第一節 管理意涵與結論 51
第二節 研究貢獻 52
第三節 研究限制 53
第四節 未來研究方向 53
參考文獻 54
中文 54
英文 55
參考網站 62
附錄－問卷 63

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參考網站

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1. 資策會（2008），〈2008 資訊服務產業年鑑〉，資策會出版品，

http://www.find.org.tw/

2. 資策會（2000），〈拍賣網站經營模式與成功關鍵因素分析〉，

http://www.find.org.tw/trend_disp.asp?trend_id=1051

3. 支付寶網站，https://www.alipay.com/

4. PayPal 網站，https://www.paypal.com/tw

5. 支付連服務簡介，http://www.pchomepay.com.tw/intro/about.html