很多報告都顯示，臺灣一般民眾對於行動支付的接受程度非常的高，真正在使用行動支付的人也很多。根據這次研究樣本，僅有11.5%不想使用行動支付，有62.5%使用過行動支付，剩下的26%表示有機會時會使用行動支付。很多零售業者也藉著這個風潮，紛紛推出各自的行動錢包。行動錢包是一個必需同時滿足消費者端及商店端的服務。對消費者來說，行動錢包把各種不同的支付工具及服務整合在一起，消費者期待享受商店所提供全面、安全、便利及更高品質的服務。交易時，還可以挑選最佳的支付工具，配合點數、行銷活動獲取最大的利益；對於商店來說，行動錢包因為可以結合會員、點數、行銷活動、線上購物及新型態服務，商店可以與消費者進行互動並取得消費者的活動資料，整合人工智慧、智慧供應鏈、CRM等內部資源，進而讓商店持續進行數位轉型，並保有兢爭力。

Many reports show that the general public in Taiwan has a high degree of acceptance of mobile payment, and that many people use it. According to the sample of this study, only 11.5% refuse to use mobile payment, 62.5% have used it, and the remaining 26% say that they may use mobile payment in the future. Many retailers have used this trend to launch their own mobile wallets.
Mobile wallet is a service that must satisfy consumers and stores. For consumers, mobile wallets integrate various payment tools and services. Consumers look forward to enjoying the comprehensive, safe, convenient, and high-quality services provided by stores. During transactions, consumers can choose the best payment tool to obtain the most benefit by using points and marketing activities. For stores, mobile wallets can be combined with membership, points, marketing activities, online shopping, and new services. Stores can interact with consumers and obtain consumerseactivity information. By integrating internal resources, such as Artificial Intelligence, smart supply chain, and CRM, stores can continue to advance digital transformation and remain competitive.

一、 中文部分
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8. 卡優新聞網(2020)。全聯揭10大消費趨勢 轉型PX Pay福利點發威。擷取自：https://www.cardu.com.tw/news/detail.php?39988。
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11. 行政院(2018)：本日新聞-賴揆：加速推動行動支付 盼2025年普及率達90%。擷取自：https://www.ey.gov.tw/Page/9277F759E41CCD91/977b5339-f3a1-4882-9935-1f7ca0c075e0。
12. 東方線上消費者研究集團(2020)：COVID-19 (武漢肺炎) 市場衝擊影響。
13. 科技橘報(2019)。挽救不斷下跌的資產報酬率，勤業眾信給零售業的 6 大數位轉型策略。擷取自：https://buzzorange.com/techorange/2019/04/16/2019-retailer-trend/。
14. 理財達人(2019)：百貨行動支付功能比較：台北 101 Pay、微風 Breeze Pay、新光 Skm Pay 、遠東 Happy go Pay、環球 GM Pay。擷取自：https://www.money101.com.tw/blog/百貨-行動支付-比較-週年慶-台北101-微風-breezepay-新光-skmpay-遠東-h。
15. 壹讀(2020)：零售趨勢戰術手冊。擷取自：https://read01.com/BJ206yN.html#.XollMnJ-VPY。
16. 匯流新聞網(2019)：行動支付總額每年翻倍成長 金管會：2019有望突破千億元！。擷取自：https://cnews.com.tw/134191226a05/。
17. 經濟部(2020)：108年超市營收可望再締新猷，連續17年正成長。擷取自：https://www.moea.gov.tw/Mns/dos/bulletin/Bulletin.aspx?kind=9&html=1&menu_id=18808&bull_id=6732。
18. 數位時代(2019)：超零售時代。擷取自：https://www.bnext.com.tw/article/53152/pxmart-new-app。
19. 數位時代(2020)：婆媽力挺！全聯PX Pay晉升第3大支付，林敏雄下一步是什麼？。擷取自：https://www.bnext.com.tw/article/56084/pxmart-threestage-digitaltransformation。
20. 聯合新聞網(2020)：鈔票要不要隔離消毒以防疫 央行：勤洗手比較實際。 擷取自：https://udn.com/news/story/7239/4408347。
21. 鏡周刊(2019)：【林敏雄專訪1】45天下載次數破200萬　全聯PX Pay猛竄行動支付前3大。擷取自：https://www.mirrormedia.mg/story/20190716fin002/。
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