隨著智慧型手機廣泛地應用於生活中，行動支付的議題也漸漸的被拿出來討論。近年來台灣積極地開放相關的法規，並推廣行動支付，但在你我身邊卻仍然很少看到有人使用，因此，提高消費者的使用意願便格外重要。目前有許多關於探索行動支付使用意願的相關研究，但現有的文獻中大都探討使用者的接受意願。本研究認為台灣因還在推廣行動支付的階段，許多人並不知道什麼是行動支付，故嘗試從不同的角度出發，探討使用者的拒絕意願，以了解使用者不使用行動支付的因素。以太少店家、太少使用者為外部影響因子，並以知覺無用、知覺風險為中介變數，探討人們拒絕使用行動支付的意願。
本研究以量化的方式進行研究，並以GOMAJI PAY作為問卷中的研究案例。從問卷分析中發現：(1) 身邊使用者的影響對使用者的拒絕意願比店家的影響來的大，表示在推動行動支付時，要先以使用者為推廣對象，而非增加配合店家； (2) 知覺無用、知覺風險對於使用者的拒絕意願有正向的影響，也就是使用者知覺產品或服務越無用或是風險高，便會拒絕使用； (3) 外部性對於曾經使用過行動支付的人而言影響不大；然而，對於從未使用過的人，較容易受到身邊使用者的影響。

As smartphones widely used in life, mobile payment has becoming an issue that gradually discussed. Along with this trend, Taiwan actively promoted mobile payment as well as worked on the relevant laws and regulations. However, it is rarely to see someone using mobile payment-related services in our living area. Therefore, increasing consumers’ willingness of using mobile payment becomes important. There are many studies explored the willingness of using mobile payments, and mostly focused on the adoption intention. Since Taiwan is still in the stage of promotion, mobile payment remains a new term to people. This research tries to use a different perspective to understand the reason of unwillingness of using mobile payment. This research discusses the abandoning intention of using mobile payment by applying “less merchants” and “less users” as external factors, as well as “perceived uselessness” and “perceived risk” as intermediary variables.
Through qualitative method, this research adopted GOMAJI PAY, a mobile payment application, as a research case in the questionnaire. After literature review and analyzing the data, the cross reference found that: (1) for the users’ abandoning intention, the impact of peers is greater than the impact of merchants. This indicates that we must focus on the users rather than increase cooperate merchants in stage of promoting mobile payment. (2) Perceived uselessness and perceived risk have a positive impact on users’ abandoning intention, which implies the more uselessness and risk the users perceived, the higher probability they will refuse to use. (3) Externalities has little effect on the people who have ever used mobile payment and strong effect on those who have not.

English part
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