科技創新發展，智慧型手機持續在功能及外觀上不斷推陳出新，人手一機已非遙不可及 ，泛泛的低頭族們已成為街頭最熟悉的光景， 它不僅改變人與人之間的互動方式，更讓新型態支付方式 – 行動支付 (Mobile Payment) 模式儼然而生 ，業者紛紛摩拳擦掌以開發行動支付業務做為企業下一個重要的發展策略。
行動支付產業鏈擴及零售業、電子商務、電信業、金融業、資訊業..等，在國外已行之有年，在台灣仍屬於推廣創新階段， 發展的成敗，也可視為我國現代化發展程度的指標之一 ，在業者把2015年稱為行動支付元年後 ，致力於各項應用軟硬體的開發及政府的法令規範逐漸成熟下，反觀消費者的接受度似乎尚未普及，轉換不同支付習慣的曲線成長較為緩慢。
本文將以消費者為主，研究影響消費者使用行動支付的內外部因素及意圖，利用量化分析為方法，以科技創新接受模型 (TAM) 為基礎，進而分析出影響使用新型態支付工具-行動支付的關鍵因素，並考慮信用風險相關因素，加入「知覺風險」模型中之財務風險、績效風險二項變數，再透過消費者屬性的分析找出不同族群的差異性，最後彙整整理後歸納結論提出本研究之看法與建議。

The technology innovation, growth of market, and the development of its functions, had led to almost people in Taiwan to have one smartphone on hands. And even more, the smartphone addicted, or mobile phone overuse scene, can be seen in most places where people around. The smartphone had not only changed the way people interact, but left the new patterns of payment, mobile payment, to emerge. As a matter of fact, the payment industry and enterprises are aiming mobile payment as most important business development for the next decade.
The mobile payment chain covered retail, e-commerce, telecommunications, financial services, and information industry, etc. It had been successfully launched and promoted in some foreign countries and even in China, however, Taiwan is still in the early stage of development. In year 2015, the mobile payment industry regarded it as the kick-off year for mobile payment era. Not only technology development but also government regulation had been implemented and soared to be ready. However, at the other hand, the consumers’ acceptance is not yet significant, the conversion of payment methods seemed to be taken place slowly.
This article will focus on consumer behaviors, and research both internal and external factors influencing consumers in using mobile payment. We use quantitative analysis as research methods, and use Technology and Innovation Acceptance Model (TAM) as theoretical basis. While in conducting the research, we analyze the factors impacting consumer’s use of new payment instruments, and account the factors of credit risk, including financial and performance factors in the "perceived risk" model to evaluate the possible effects. Finally, we collect the ethnic differences in using mobile payment through analysis of consumer profiles, and aggregate the finding to conclusions and recommendations, which to offer an in-depth views in consumer’s using mobile payment.

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