過往顧客滿意架構多集中在購前因素分析或購後行為探討，甚少連結前因後果之整合性架構，故本研究從認知、態度、行為三個面向予以探究，並以關係階段與替代性吸引力雙變數作為調節變項。 本研究針對上海速食業者德克士之消費客群為抽樣對象，共收集有效問卷329份，並利用結構方程模式檢驗研究假說。研究結果歸納如下： 1. 品牌聲望對知覺價值與顧客滿意度皆有正向影響，且知覺價值亦對顧客滿意度有顯著的正向關係。 2. 慣性行為對於顧客滿意到顧客忠誠的路徑具有部分中介效果，結果顯示慣性亦是形成忠誠度的前驅因子之一。 3. 顧客滿意到口碑傳播的路徑並不顯著，但顧客忠誠到口碑傳播卻有顯著的正向關係，代表客群如果只有滿意還不足以衍生口碑行為，需要透過忠誠機制才有足夠強度驅動口碑。 4. 關係階段會顯著調節「顧客滿意到顧客忠誠」以及「顧客滿意到慣性行為」之關係，其他路徑則不顯著。替代性吸引力則對所有路徑的調節效果皆不顯著，此結果可能源於實證對象與競爭企業在消費者的認知中並沒有太大差異或偏好。 / Past researches of customer satisfaction focus on analysis of pre-pruchasing factors or post-buying behaviors. Nevertheless, few studies have adapted integrative structures of combining whole causal connection. The study investigates into three dimensions of cognition, attitude and behavior, taking relationship stage and alternative attractiveness as moderating variables. The study collected 329 valid questionnaires from fast food chain stores, Dicos, in Shanghai and took advantage of SEM to verify research hypotheses. Results and discussions are concluded below： 1. Brand Reputation has positive influence in Perceived Value and Customer Satisfaction. Perceived Value also has significantly positive influence in Customer Satisfaction. 2. Inertia Behavior has mediation effect towards the path of Customer Satisfaction and Customer Lotalty. The result indicates inertia is one of the pre-exponential factors of Customer Loyalty. 3. Customer Satisfaction to Word of Mouth isn’t significant, but Customer Loyalty to Word of Mouth is significantly positive. The result reveals satisfaction is not enough to motivate WOM spreading. Loyalty mechanism is needed to drive WOM behaviors. 4. Relationship stage moderates “Customer Satisfaction to Customer Lotalty” and “Customer Satisfaction to Inertia Behavior” significantly and other hypotheses aren’t significant. Alternative attractiveness doesn’t significantly moderate all of the hypotheses. It may indicate there is no difference or preference to cognition of customers towards Dicos and their competitors.

本研究從金融科技創新應用之觀點，舉行動銀行app之應用為例，整合過去行銷與科技採用之相關文獻，並呼應金融科技時代的創新元素，據此探究使用者對於行動銀行app持續採用行為、與提供未來創新發展上之建議。首先以質化研究的方式，了解行動銀行app使用者的使用原因、使用經驗、對app的整體評價與建議；其次發展出量化研究模型，找出各種影響消費者持續使用意願的因素。 本研究針對「僅使用行動銀行app者」、與「行動銀行app和網路銀行皆有使用者」發放網路問卷調查，在量化研究的部分，首先根據Fintech重要核心價值中的差異化與利基型專業產品，提出競業差異作為研究模型之第一層探討面，結果顯示: 1. 設計美感對使用者能產生正向的情感品質知覺，提升對科技使用的知覺有用性、知覺易用性與降低知覺風險。 2. 品牌聲望有助於提升消費者對於業者所提供之產品與服務的相對優勢。 其次，結合過去創新擴散理論、科技接受模式以及個人知覺風險，作為研究模型之第二層探討面，結果顯示: 複雜性、知覺有用性、知覺風險能顯著影響消費者對於行動銀行app的採用意願。 最後，整合質化訪談發現與量化結果分析，給予結論與建議: 1. 業者可從設計美感加強消費者對於新科技使用的知覺有用性與降低知覺風險 2. 品牌聲望為輔，實質創新為主，首先降低複雜性 3. 從知覺有用性方面創造創新競爭優勢、同時兼顧知覺風險 4. 持續推廣行動銀行app，作為創新發展基礎後盾、與開拓市場之契機。 / This paper takes mobile banking application as an example in the view of FinTech innovation. Combined with findings from marketing and information system research, this study adopts key elements of FinTech innovation to arrive at a more complete understanding of consumers’ continuance intention toward mobile banking. By first taking the qualitative method and conducting semi-structured interviews, we look into consumers’ motivations, experiences, and evaluations of using mobile banking. For the quantitative part our empirical tests involve structural equation modeling. In addition, with the reference to one of main core values of FinTech innovation: differentiation and niche, specialized products, we propose competitive differences among competitors to form our first layer research model, the results demonstrate that: 1. Design aesthetics can increase one’s perceived affective quality of system usage, which in turn, had a significant positive impact on perceived usefulness, perceived ease of use and lower perceived risk 2. Brand reputation can positively affect consumers’ sense of relative advantage in terms of the product and service provided by specific vendor. Meanwhile, our research integrates the concepts of Rogers’ innovation diffusion model, technology acceptance model, and personal perceived risk to further propose our second layer research model, and the result shows that: complexity, perceived usefulness, and perceived risk emerge as important antecedents of consumers’ continuance intention toward mobile banking. Lastly, we conclude our analysis of both qualitative and quantitative survey and make suggestions as below: 1. Placing a high value on the influence of design beauty, could increase consumers’ perceived usefulness and reduce perceived risk of new technology. 2. Focusing mainly on innovation while brand reputation subsidiary, and take complexity as priority. 3. Creating competitive advantage of innovation based on perceived usefulness, without overlooking the significant influence of perceived risk. 4. Keeping giving an impetus actively to the usage of mobile banking to solidify foundations of innovation development and increase opportunities in the market.