由於晶片卡的功能及安全上的保護機制，可以帶來便利同時也提高網路上的交易安全，因此晶片卡的市場發展潛力非常值得看好。從銀行的角度來看，若要促進電子商務金流之發展以及提高顧客忠誠度，關鍵是掌握消費者所持有的態度以及影響採用的因素。過去有關消費者面對科技產品的相關研究常著重於正面影響意願的因素，而忽略了負面的影響，例如消費者的認知風險。
本研究除以實證的方式驗證科技接受模型、科技準備度、創新採用理論應用於消費者對晶片卡的接受度，以及與採用意願之間的相關性，亦加入風險因素進一步探討。
本研究發現，認知有用性以及相容性二項變項無論對消費者採用晶片卡的態度或使用意願皆具有顯著正向關係，但認知易用性則否。樂觀程度對消費者採用晶片卡的態度或使用意願具有顯著正向關係，不適應則對消費者採用晶片卡的態度或使用意願具有顯著負向關係。此外本研究亦證實消費者的知覺風險確實會對晶片卡的採用態度及使用意願有顯著的影響。
Consumers demand for more sophisticated payment tools such as smart cards, are growing rapidly and are changing people’s daily life nowadays. Smart cards integrate a microchip on a plastic payment card, enabling the card to perform multiple functions whilst enhancing security.
This study empirically examines the relationship between consumers’ innova-tion characteristics, technology readiness, perceived risk and the intention to use chip card. At a high level, there are some key conclusions from this research:
• There are strong positive relationship between consumers’ perceived usefulness, at-titude and behavioral intention on use smart cards. There is a similar result on the compatibility but an opposite outcome on the perceived ease of use.
• Payment should be combined with personal information, because consumers would like to consolidate information on their cards and enhance the functionality, in sup-port of multi-application.
• The degree of consumers’ optimism significant affects the attitude and the behav-ioral intention on use smart cards.
• The research shows that convenience and security are key to any successful smart card offering.
