近年來隨著塑膠貨幣、手機支付電子錢包的普及與技術的成熟，導致紙鈔的使用率逐年下降。手機的快速普及，手機成為人們生活中不可或缺的配備。透過手機和NFC(Near Field Communication)技術的結合就能提供包括手機支付電子錢包、信用卡刷卡、小額支付等金流服務，不僅增加了手機行動裝置的應用範圍的多元性，亦將為消費者帶來十足的便利性。
本研究透過小型門市通路(美廉社)進行消費者問卷調查，採用科技接受模式(Technology Acceptance Model, TAM)分析經實證結果發現消費者的使用態度對手機支付電子錢包付款機制之意願有正向顯著影響。此外，知覺有用性與相容性對於使用態度有正向顯著影響；而知覺易用性對有用性有正向顯著影響。管理意涵上不只強調電子錢包能避免攜帶現金的不便，更應該強調電子錢包尚有其他眾多的功能，譬如付款的簡單性，如此才能提升消費者使用手機支付電子錢包的意願。

The mobile device can be networked to replace credit cards, tickets or cash entities in the store, the sales side for payment action, action can be considered to be paid. With smart phones and the popularity of mobile Internet applications, e-commerce and the use of mobile phone payment behavior has become an important direction for innovation in financial services, and set off a new wave of monetary revolution.
The empirical results show that the effects of the original explanatory variables, perceived ease of use, have a significant impact on the attitude and intention of the customers to use the customer service.
In summary, the study shows that the customers are willing to use the Mobile cash customer service. The customers’ determinants to use Mobile cash customer services are based on perceived usefulness, perceived ease of use, attitude. Besides, it provides suggestion that customer can implement this service in the future in order to not only reduce the cost of risk, but Increase use of Mobile cash security and degree of recognition as well.

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