隨著國內行動支付發展日益蓬勃，目前已有多家業者取得電子支付執照，意味台灣消費方式邁向「無現金」，民眾的生活與消費習慣，也因多元化新興支付模式的出現而不斷改變。現在不用去便利商店，就能用手機App繳停車費，醫院看診也不用排隊批價，只要掃一下QR Code條碼就能快速繳費，廣泛應用在眾多場合的悠遊卡、信用卡，也有其他替代性支付模式，尤其信用卡已能輕易被整合到手機上，以後出門可能連各種卡片都不用帶。
儘管金管會在2015年底推動「無現金社會五年計畫」，要全力推動台灣「電子支付」的比率，但根據中央銀行的統計資料顯示，市面上流通的現金不減反增。大街上的小攤販、巷弄中的夜市、婚喪喜慶的紅白包等等，台灣人都還是喜歡拿紙鈔硬幣才覺得踏實、覺得有人情味、覺得跟對方銀貨兩訖。根據資策會產業情報研究所(MIC)發表的「行動支付消費者調查分析」裡指出，國人仍然最習慣使用信用卡(77.1％)與現金(60.1％)付款，而選擇行動支付的比例只佔4.8%。可見行動支付並未完全被消費者接受。因此本研究擬採創新抵制 ( Innovation Resistance )的觀點，來探討消費者在採用行動支付的過程當中可能面臨了哪些因素的影響跟阻礙。
本研究結果證實了風險障礙和傳統障礙會顯著正向影響拒絕採用的意向；使用障礙、傳統障礙會顯著正向影響延緩採用的意向；使用障礙、印象障礙會顯著正向影響反對採用的意向。建議相關業者在制定其行銷推廣策略時可參考以上結論做出相關決策，降低消費者使用行動支付對其原先看法產生的衝突，提高其對產品的認知價值，並漸漸改變其對使用行動支付的傳統觀念，以提升消費者對行動支付的正確觀念以及接受程度。

With the increasing development of mobile payments, there are many companies to obtain electronic payment license, which means that Taiwan's consumption become "no cash". People's consumption habits will change by different model of payment. You can use the phone App to pay parking fees and do not have to wait for line.

According to the survey of CBC , people like to pay with cash. At the streets of the small vendors in the night market, you can see people still like to pay with cash. According to the "Action Payment Consumer Survey" published by the MIC, people are still most accustomed to using credit cards (77.1%) and cash (60.1%), while the percentage of mobile payment is only 4.8%. Obviously, mobile payment is not fully accepted by consumers. Therefore, this study is about the idea of ​​innovation resistance to explore the factors that consumers may face in the process of using mobile payment.

The results of this study confirm that risk barriers and traditional barriers have significant and positive effects on the intention of rejection. The use barriers and the traditional barrier will have significant positive effects on the intention of postponement. The use barriers and image barriers will have significant effect on the intention of opposition. It is recommended that the relevant industry in the development of its marketing strategy can refer to the above conclusions to make the relevant decisions to reduce the conflict when consumer use the mobile payment.

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