隨著2020年新型冠狀病毒(COVID-19)產生的全球疫情，至今病毒仍持續在變異，而在國際宣導篩檢、打疫苗與維持社交安全距離的背景下，降低人與人的接觸，成為保護彼此與降低病毒傳播最基本的措施。人的日常行為活動中，除了與人之間的情感聯繫，最重要的就是維持基本生活需求-採買食物與生活用品，金錢的交易促成了人與人的直接、間接接觸，在這樣的疫情背景下，信用卡線上付款、線上購物、無接觸外送服務、電子化支付都成為相當重要且降低接觸更加安全的新興消費模式。因此本研究以電子支付應用程式為研究主題，並以實驗法探討電子支付介面資訊呈現及密碼型式對於使用者的感受影響，藉此優化介面與消費體驗，並提升採用電子支付之意願。
本研究實驗共分為二階段: (一)前導性實驗針對台灣使用比率前三名之通用型電子支付應用程式，並利用現有電子支付架構進行實驗操作、非參與式觀察與訪談分析，探討現有電子支付介面優缺點與使用者操作體驗。(二)驗證性實驗樣本設計依據前導性實驗結果，以2種密碼型式(單次驗證/雙重驗證)x 3種資訊呈現(左右滑動式/浮動式/滾動式)，組合出6種驗證實驗之樣本進行雙因子變異數分析，驗證性實驗招募60名受測者，以受測者間(Between-subject)實驗進行，以操作時間績效與使用者感受度為依變相，探討兩自變相的影響與操作差異。
本研究經實驗驗證結果如下: (1)更多階層的密碼型式設計會增加使用者的操作時間，因此一次性的「單次驗證」密碼型式績效較高；(2)資訊呈現上，使用「滾動式」介面呈現能在同一畫面中呈現較多功能選項，並且降低使用者對於畫面切換的感受，進而降低功能操作階層；(3)降低不同電子支付間的圖示與用詞差異，能有效提升使用者在跨支付平台應用時之學習成本；(4)電子支付常需使用之功能選項，應呈現於首頁資訊呈現，可以降低介面轉換與操作階層的時間花費；(5)生物識別技術之密碼驗證型式可以更有效的提升操作效率與安全性。

With the global epidemic caused by the new coronavirus (COVID-19) in 2020, the virus continues to mutate. In the context of international publicity screening, vaccinations, and maintaining social safety distance of human-to-human contact is suggested to be reduced. In addition to the emotional connection with people, one of the most important things in people’s daily behavior and activities is to maintain basic life needs, i.e., buying food and daily necessities. The transaction of money facilitates direct and indirect contact among people. In such an epidemic background, credit card online payment, online shopping, contactless delivery services, and electronic payment have all become very important. This is because new consumption modes that reduce contact and are safer. Therefore, this study takes electronic payment applications as the research theme, and uses an experimental method to explore the impact of electronic payment interface information presentation and password types on users' experience, so as to optimize the user interface design and enhance user experience. By so doing will also increase the people’s willingness to adopt electronic payments.
This research experiment is divided into two phases: (1) The pilot experiment is aimed at exploring the top three general electronic payment applications in Taiwan, and uses the existing electronic payment framework to conduct experimental operations. Non-participatory observations and interview analysis were also adopted to help investigate the advantages and disadvantages of electronic payment interface and user experience. (2) The design of the confirmatory experiment sample is based on the results from the pilot experiment, with 2 types of passwords (i.e., before completion of the operation/before execution and before completion of the operation) x 3 types of information presentation (i.e., left and right sliding/floating/rolling). A total of 6 types of verification experiments were used for two-factor analysis of variance (ANOVA). The verification experiment recruited 60 participants, and it was carried out as a between-subject experiment. Both the task completion time and and users’ subjective evaluations were collected for further analysis.
The results of verification experiment are as follows: (1) More levels of password type design will increase the user's operation time, so the one-time "before the operation" password type has a higher task performance; (2) For information presentation, use the scrolling type of interface presentation can present more functional options on the same screen, and reduce the user's experience of screen switching, thereby reducing the functional operating levels; (3) Reducing the difference in icons and words among different electronic payments could effectively increase the learning cost of users in cross-payment applications; (4) The function options frequently used in electronic payment should be displayed on the homepage of the information display, which can reduce the time spent on interface conversion and operation level; (5) The password verification of biometric technology type can more effectively improve users’ task operation efficiency and security.

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