行動支付近年來在政府及國內外廠商的推動下，正逐漸取代傳統現金付款形式，未來的應用將透過人工智慧、物聯網等技術，深入人們日常支付情境。本研究以行動支付應用程式(Application, APP) 的「主畫面」與「選單樣式」進行探討，運用問卷及實驗分析瞭解使用現況及使用性，再透過設計驗證提出改善建議。

研究目的為：(1) 行動支付現況探討與介面設計準則歸納；(2) 行動支付應用程式設計改善需求彙整；(3) 模擬原型設計與驗證；(4) 統整結論與設計建議。本實驗分成三個主要階段：(1) 使用行為調查：彙集現有行動支付應用程式功能資料再進行問卷設計與現況調查；(2) 前導性實驗：採便利抽樣邀請30位受測者，從分析結果取得設計改善方向；(3) 驗證實驗：歸納文獻與前導性實驗結論，進行模擬原型設計驗證。實驗設計採 2（主畫面設計）x 3（選單樣式）雙因子組間方式進行，採便利抽樣邀請48位受測者，透過統計分析軟體獲得任務時間績效、系統使用性、使用者互動滿意度及使用者體驗感受四部分的結果。

研究結果彙整如下：(1) 付款是行動支付應用程式最重要的功能，在圖示與文字提示、呈現位置等，須以清晰、易懂作為設計要素；(2) 使用「卡片佈局」主畫面需注意功能簡化後是否仍符合使用者心智模式；(3) 主畫面採「格狀佈局」時，建議搭配「頁籤選單」與「漢堡選單」可加快操作效率。採「卡片佈局」時，則建議搭配「無導覽列」及「漢堡選單」使用性、互動滿意度評價較佳；(4) 「頁籤選單」搭配「卡片佈局」主畫面的評價較差，主要原因在於操作行為不一致；(5) 行動支付應用程式使用者介面設計，應依服務性質與用戶需求進行設計。

Mobile payments have been gradually replacing traditional forms of cash payment driven by the government as well as domestic and foreign manufacturers in recent years. Applications using technologies such as artificial intelligence and the internet of things will fill people's daily payment activities. This study is focused on the "main page" and "menu style" of the mobile payment application (APP). The questionnaires and experimental analysis are used to help understand the current usage and the usability of the application. Improvement suggestions are provided by design and verification.

The purposes of the study are as follows: (1) Discussing the status of the mobile payment and summarizing the interface design guidelines; (2) Collecting the requests of improving the mobile payment application design; (3) Designing and verifying the simulation prototype design; (4) Consolidating the conclusion and the design suggestion.

The experiment is divided into three stages: (1) Surveying the current usage: collecting the function data of the existing mobile payment application and then designing the questionnaire and surveying the current usage; (2) Pilot experiment: using convenient sampling to invite 30 users as participants, and obtaining the direction of design improvement from the analysis result; (3) Verification experiment: summarizing the literatures and the pilot experimental results to verify simulation prototype design. The experiment is designed to be a 2 (main page design) x 3 (menu style) between-subjects two-way ANOVA, wherein 48 participants are invited by convenient sampling method to help obtain the results of task time performance, system usability, user interaction satisfaction, and user experience through the statistical analysis.

The results are summarized as follows: (1) Paying is the most important function of the mobile payment application. As to design, it should be clear and easy to find the illustrations, text prompts, and the presentation positions, etc.; (2) When using "card layout", it should be noted whether the simplified function still meets the user's mental models; (3) When the main screen adopts "grid layout", it is suggested to use "tab menu" and "hamburger menu" to speed up operation efficiency. For "card layout", it is recommended to adopt the "no navigation bar" and "hamburger menu" designs together for better satisfaction; (4) "Tab menu" cooperating with "card layout" is evaluated as the worse main page, the main reason is related to inconsistent operational behavior; (5) The user interface design of the mobile payment application should be designed according to the service type and the user's requirements.

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