2020年初，新冠肺炎疫情在全球爆發，台灣亦遭受疫情波及，在疫情肆虐之下，人民以及政府對於防疫性的重視程度日漸增加，即便在嚴重的疫情之下，消費仍舊是人民生活不可或缺的一部分，在這樣的時空背景之下，同時滿足人民消費需求以及防疫性需求的支付方式 – 行動支付，也因此更加快速的普及於你我的生活之中。與此同時，部分人民對於行動支付有別於過去支付方式差異而導致的不安依舊存在，行動支付由於為非實體化貨幣，可能產生部分資安問題，進而造成財務風險，這也是政府及行動支付業者在行動支付普及率節節攀升的同時，所需面對及思考的一大課題。

本研究為協助行動支付業者及政府增加行動支付普及率，了解影響用戶使用行動支付意圖中不同因素間的影響。以曾經使用過行動支付的社會大眾作為研究對象，總共收集300份有效問卷。結果顯示防疫性對政策支持有正向影響; 附加價值對於財務風險有負向影響，隱憂則是對於政策支持與財務風險的關係有負向調節的效果。

At the beginning of 2020, COVID-19 broke out globally, and Taiwan was also affected by the COVID-19. Under the raging epidemic, the people and the government paid more and more attention to health and pandemic prevention. Even under a severe epidemic, consumption is still an indispensable part of people’s lives. Under such a background of time and space, mobile payment, a payment method that meets the people's consumption needs as well as the health and pandemic prevention needs simultaneously. It has been more quickly popularized in your and my lives. At the same time, some people still feel unsafe about the difference between mobile payment and the past payment methods. Because mobile payment is a non-materialized currency, it may cause some information security problems and financial risks. These are also the concerns of government and mobile payment providers. While the mobile payment penetration rate is increasing, they have to deal with these concerns.

This research aims to assist mobile payment companies and governments to increase the penetration rate of mobile payment, and to understand the impact of different factors that affect users' intent to use mobile payment. A total of 300 valid questionnaires were collected from the general public who had used mobile payment as the research samples. The results show that sanitation and pandemic prevention have a positive impact on policy support; additional value has a negative impact on financial risks, and the implicit concern is a negative adjustment effect on the relationship between policy support and financial risks.

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