全球受到COVID-19的影響下，加速了各國間的行動支付發展，根據Juniper Research所進行的行動錢包研究報告，指出2020年底時，全球已有28億種行動支付，在台灣根據金管會統計，2020 全年台灣行動支付交易額突破新台幣 4,230 億，其中大型零售業者面對疫情的衝擊之下，紛紛加速推動數位轉型，發展自家App外，透過結合行動錢包的功能來擴大會員客群並且建立會員資料庫為未來產業發展趨勢。而在2021年金管會修法通過「電子支付機構管理條例」修正案，預期台灣未來的行動支付市場上消費者的選擇性更加多元，對業者是一大挑戰。
本研究參考資訊系統接受後持續使用模型以及加入抗拒變革的構面探討影響持續使用的因素，針對曾經使用過PX PAY的消費者進行網路問卷調查，共計回收253份有效問卷，並透過迴歸分析發現，消費者的知覺有用性、確認、滿意度皆會正向影響消費者的持續使用意願，同時消費者的滿意度對知覺有用性影響持續使用意願有部分中介效果，且消費者對PX PAY使用前與體驗後的一致性感受確認會顯著影響到知覺有用性，另外根據本研究架構，抗拒變革對持續使用意願為顯著負向影響，消費者的慣性會降低消費者的持續使用意願。
透過本研究結果期望提供國內的零售業及品牌商欲發展行動支付及長期維運上的產品策略方針建議，以及對學術界後續研究上的參考。

Due to the impact of COVID-19, the development of mobile payment has accelerated around the world. With the mobile wallet research report conducted by Juniper Research, it is pointed out that there are 2.8 billion mobile payments worldwide in the end of 2020. According to statistics from the Financial Supervisory Commission Taiwan, the transaction amount in mobile payment exceeded NT$423 billion.
With the coronavirus outbreak affect the global economy, large-scale retailers have accelerated their digital transformation with developing their own apps. Meanwhile, to expand their customer base, retailers combining the functions of mobile wallets and creating a member database, which is the trend in the development of future industry. And Taiwan had also amended the law about mobile payment, which means that customers will have more options for mobile payment in the future, which is a big challenge for the operators.
The study refers to the model of Post-Acceptance Model of IS Continuance and add the dimension of resistance to change to explore the factors which affect the intention of continuous use. With questionnaire survey on the Internet for the target audience of this research is the customers who had used PX PAY. Finally, a total of 253 valid questionnaires are collected and analyzed through regression analysis. After the analysis, we found out that consumers’ perceived usefulness, confirmation, and satisfaction had an effect on intention of continue to use. And, consumer satisfaction has a partial mediation effect on the impact of perceived usefulness to intention of continue to use. The consistency of PX PAY consumers’ perception before use and after experience significantly affect perceived usefulness. In addition, according to the research model, resistance to change has a significant negative impact on the intention of continue to use, and the inertia of consumers will reduce the intention of continue to use.
The research results are expected to provide the domestic retailers and other brand operators who want to launch mobile payment as product strategy recommendations for long-term maintenance, as well as can be the reference for follow-up research in academia.

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