第五章 結論與建議
第四節 未來研究方向
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第四節 未來研究方向 一、研究方法
本研究之研究方法以量化研究為主，包含網路問卷和紙本問卷的發放。目前 國內外針對行動銀行的研究仍以量化研究為主，缺乏大規模的質化研究以深入了 解國內行動銀行的使用情況，因此建議未來的研究可以針對民眾進行深度訪談或 焦點團體研究，以深入了解民眾對於使用行動銀行的感受。
二、研究對象
根據此章第一節的研究結論，本研究發現曾經使用過行動銀行的民眾與沒有 行動銀行使用經驗的民眾所在意的因素有顯著的差異，因此建議後續研究可以僅 針對其中一類族群做更深入的研究，更可以將有行動銀行使用經驗的民眾以使用 頻率進一步分類為經常使用者以及偶爾使用者，探討使用頻率對於行動銀行使用 意願的影響。
目前台灣地區無論本土銀行或是外商銀行皆有推出行動銀行的服務，行動銀 行的品牌眾多，由第四章之表 10 也可以觀察出此趨勢。因此建議後續研究可以 針對少數特定品牌之行動銀行使用者進行研究，比較其服務品質以及使用意願之 差異。
過去有學者認為一個國家的文化將會影響民眾採納新科技的意願(Yu, 2012;
Venkataesh & Zhang, 2010)，建議後續研究可以針對不同國家的民眾進行研究，
比較各國間的行動銀行使用意願是否有所差異。
三、研究時間範圍
金融監督管理委員會將西元 2015 年定義為台灣「行動金融的元年」，代表台 灣金融業已經進入 Bank3.0 的時代，大部分的交易將會透過行動銀行來完成，實 體分行的影響利將逐漸式微。因此建議後續的研究可以持續進行觀察，了解隨著
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數位化趨勢、法規的變動以及互聯網金融的崛起，金融業如何順應時代潮流，配 合資訊發展來調整行動銀行的功能，並且進一步探討民眾對於行動銀行使用意願 的改變。
四、研究議題
面對臨櫃交易量逐漸減少，為了提升營運效益，金融監督管理委員會未來打 算放寬銀行的營業限制，允許「跨業營運」，也讓銀行業可以增加周邊收益，因 此建議後續研究可以深入探討實體分行營運模式的改變，是否會影響民眾使用行 動銀行的意願。
此外，根據本研究的實證結果，仍然有些假設沒有達到預期的顯著效果，因 此也建議後續的研究可以針對沒有顯著的假設做深入探討。
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