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| Title: | 一個用於解決NFC行動付款服務誤解之研究
An investigation of addressing misconceptions in using NFC mobile payment service |
| Authors: | 游家和
Yu, Chia-Ho |
| Contributors: | 杜雨儒
Tu, Yu-Ju
游家和
Yu, Chia-Ho |
| Keywords: | NFC行動支付
誤解
輕推理論
隱私政策
安全政策
NFC mobile payment
Misconception
Nudge
Privacy policy
Security policy |
| Date: | 2023 |
| Issue Date: | 2023-07-06 16:20:05 (UTC+8) |
| Abstract: | 在COVID-19疫情與快速數位轉型的背景下，近場通訊 (NFC)行動支付服務的使用有了顯著的成長，然而，依舊存在一群人對其持抵制的態度，因此了解其抵制背後的原因並找到有效的解決方案顯得至關重要。除了資安疑慮，對服務的誤解同時也是提升使用率的主要阻礙之一，透過解除這些誤解，我們預計服務的使用率將會得到提升。
在本研究中採用了輕推 (Nudge) 機制來制定關於資料隱私與安全的同意政策，目標為確保使用者閱讀該政策內容，提升他們對服務的理解。為了評估這些政策對服務使用率的影響，透過進行實驗，將參與者分配到三個實驗組與一個對照組，並藉由雙重差分法，評估政策內容對實驗結果的影響，研究結果顯示，同時具備隱私與安全政策的組別有最顯著的使用率提升。結論，本研究證明了同意政策在減少使用者對NFC行動支付的誤解以及促進服務的使用率上有著明顯的成效與影響。
Amidst the COVID-19 pandemic and rapid digital transformation, the use of near field communication (NFC) mobile payment services has grown significantly. However, some individuals resist its adoption. Understanding the reasons behind their reluctance and finding an effective solution is paramount. Cybersecurity concerns, in addition to misconceptions, are the primary deterrent to its adoption. By dispelling these misconceptions, we anticipate a boost in the adoption rate of NFC mobile payment services.
In this study, we employ the nudge mechanism to develop a consent policy, addressing data privacy and security. We aim to enhance the individuals’ understanding by ensuring they read and comprehend the policy before utilizing the service. To assess the impact of these policies on service adoption, we conduct a randomized experiment, assigning participants to three treatment groups and a control group. Employing the difference-in-differences method, we estimate the causal effect of the policy content. Our findings reveal that the coexistence of privacy and security policies leads to the highest increase in adoption rates. This suggests that our consent policy successfully mitigates biases held by individuals. In conclusion, our study demonstrates the efficacy of the consent policy in reducing misconceptions and fostering greater acceptance of NFC mobile payment services. |
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| Description: | 碩士
國立政治大學
資訊管理學系
110356033 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110356033 |
| Data Type: | thesis |
| Appears in Collections: | [資訊管理學系] 學位論文
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