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In 21st century, the constant development in economy promotes the expanding advancement of science and technology. In the global range, mobile payment has witnessed continuous expanding and application in a wider range of situations, which is considered to be one of the most potential industries in the world. However, as has been noticed by researchers, the popularity of mobile payment is limited to people of certain age groups, different areas, countries and other factors. And compared to former research, this thesis is based on the background of that all the technology including mobile technology, intelligent phones, network and many other aspects in our lives have developed much these years, the collected data and results in this thesis can reflect the newest feeling and opinion about mobile payment. Therefore, in order to find out factors which influence the usage intention of using mobile payment in this modern society, qualitative method was used in this research. By observing and interviewing the participants from different age, countries and gender, the research finds out the perceived ease of use, the perceived usefulness, perceived risks, situations, reliance are the main factors which influence the people’s usage intention of mobile payment. Moreover, based on the analysis of factors of usage intention, useful suggestions has been given to help mobile payment providers widespread application of mobile payment and offer more convenient payment environment to users.

The industry of mobile communication in Taiwan has recently become the fastest growing representative in the mobile communication related industries in the world. After several years of development, the industry has moved into the application development stage for 3rd generation (3G) technologies. Within the related services offered by 3G technologies, the most noticeable and the earliest one to set into promotion are video phone service. However, since 3G technologies become available in year 2005, the utilization of video phone service and its popularity keeps at slow growth. Scholars have pointed out that the consumers¡¦ perception of the products can have impact on their purchasing and using decisions. Further, some scholars also think that if the consumers believe the risk of change is high; their willingness to accept new services is lowered. Based on the above two factors, this research examines the current status on consumers¡¦ perception on 3G technologies and also investigates the interrelationships among consumers¡¦ perception of the cost of change and the utilization of 3G video phone service. After going through the literature on the subject, this research has categorized consumer knowledge into 4 types. In addition, the switching cost which arising from the change of voice service to 3G video phone service by consumers has also been included into the study. The conclusions and recommendations resulting from the investigation and analysis of current consumer knowledge and the switching cost are as follows: 1.Consumers¡¦ product existence knowledge on 3G video phone service and the persuasion knowledge does not have noticeable impact on its usage intention. However, the product attributes knowledge and the knowledge to purchase and usage have positive noticeable impact on its usage intention. 2.The switching cost for consumers to move from voice services to 3G video phone service has noticeable negative impact on its usage intention for 3G video phone service. 3.Consumers¡¦ persuasion knowledge for 3G video phone service has a negative relationship on the switching cost of change for 3G video phone service.

Thesis (M.Com. (Information Systems))--University of the Witwatersrand, Faculty of Commerce, Law and Management, School of Economic and Business Sciences, 2015. / This research study investigated the key factors that contribute to both current usage and future usage intention of online banking by South African users. The research was focused on online banking from all banks and regions in South Africa, hence making the results generalisable to the South African context. The variables (Performance Expectancy, Effort Expectancy, Facilitating Conditions and Social Influence) were derived from UTAUT model. Trust, Switching Costs and Availability of Alternatives were also added. The conceptual model was moderated by age, gender and experience. The variables used within the study were derived from literature review based on previous studies. From a survey of 300 online banking consumers, results were drawn from 105 responses. In South Africa, Trust, Effort expectancy and facilitating conditions, presented significant and positive impact on future usage intention of using online banking. Age and Experience were also significant to Future Usage intentions. However Social Influence, Switching Costs and Availability of Alternatives do not play a considerable role in influencing the user’s future usage in South Africa. While current usage did not directly impact future usage intentions of using online banking, the findings on frequency of usage and functionality (applications) added value to understanding the concept of current usage. The model had an R2 = 0.25 which suggests that within the South African context, there are more factors to be considered for academia and practitioners to understand online banking behaviour amongst consumers. We cannot completely apply theories and models from other countries to the South African context. There is a need to look at factors unique to South Africa, including how customers interpret questionnaires. The research also contributes to the current body of work and interest by banks in South Africa to move from “bricks to clicks”, (moving customers from the branches onto electronic platforms) that are more accessible from any location, and require less staff to operate. To do that, practitioners need add “trust” factors to online banking as well as increase frequency of users logging on to transact. It is vital for banks to also focus on functionality that is simple, reliable and dependable, as well as adds value to customers to ensure their frequent and continued usage thereof.

電子化民主強調公民參與的重要性，政府亦積極投入推動的工作，值得我們注意的是，就政府所設置的電子化民主機制而言，民眾在使用上的觀感和意願可能是重要的，本研究想要了解對於已使用過的民眾而言，哪些因素會影響他們持續使用該機制的意願？本研究以計畫行為理論為研究架構之基礎，並依據文獻整合假設自覺風險性對態度、持續使用意願有顯著影響。 本研究主要的目的有二：一是透過文獻探討以了解電子化民主起源與實行目標，並藉此了解電子化民主對民眾而言，扮演何種角色與提供哪些功能和效益。二是透過實證研究來對計畫行為理論進行模式檢測，檢視該理論是否適用於解釋持續使用意願的影響因素，並藉此了解影響民眾持續使用意願的因素。 實證研究的結果顯示影響民眾持續使用網路公共論壇意願的因素為態度和認知行為控制，僅主觀規範較無顯著影響。由此可知，計畫行為理論並不能完全解釋「持續使用意願」的影響因素，但仍有部分論點可以適用於解釋「持續使用意願」的影響因素。再者，對民眾持續使用網路公共論壇之意願的影響力最大為民眾對使用論壇的態度。此外，本研究發現在網路公共論壇使用上，由於個人資料外洩或侵犯隱私的機率低，故對已使用過的民眾而言，風險問題可能並無影響，故自覺風險性對「網路公共論壇持續使用意願」的影響並不顯著。 / Issues concerning e-Democracy emphasize the importance of citizen participation. Governments in the worldwide invest much in pushing e-Democracy. Specifically, citizens’ attitude and intention are crucial for e-Democracy institutions of Governments. The central theme in this research is: which factors will affect their continuance usage intention for citizens who have been using online public forums? The research model based on Theory of Planned Behavior supposes that attitude and continuance usage intention will be affect by perceived risk. There are two purposes in this research. Firstly, it attempts to realize the origin and the goal of e-Democracy according to some related literatures. Secondly, it also conducts a model-testing to examine the applicability of the theory through the investigation. Results of the investigation indicated that citizens’ continuing usage intention of online public forums is affected by the attitude and perceived behavior control. Further, subjective norm didn’t have any obvious influence. These largely show that Theory of Planned Behavior based model is partly suitable to explain the factors of the citizens’usage intention. Overall, the most crucial factor affecting citizens’usage intention is their attitude toward using online public forums. In addition, perceived risk had no obvious influence on the usage intention as expected. This may be due to lower probabilities that individual data or privacy being damaged in online public forums.