FinTech一詞在近幾年蔚為風潮，其中，在P2P借貸平台中，金管會認為P2P初步方向為開放銀行與P2P業者合作，或由銀行自行設立P2P，透過銀行業者協助P2P業者解決資金來源、貸放經驗，以及徵信資料不足等問題，因此，本研究以整合型科技接受模式（Unified Theory of Acceptance and Use of Technology）以及知覺風險理論，探討期望效用、努力期望、社會影響、安全性、促成環境及知覺風險等，對民眾使用P2P網路借貸服務平台的意願之影響，找出主要影響使用意願之變數，並以此深入探討，找出能夠提供業者發展P2P網路借貸服務平台的發展方向及推廣著力點，幫助台灣P2P網路借貸服務之發展。
本研究以問卷方式，針對18歲以上並有使用網路經驗者進行抽樣，總發放數為800份，回收有效問卷464份，進行信度分析、差異分析及迴歸分析，結果顯示，在期望效用、努力期望、社會影響、安全性對於使用意願具正向顯著影響，而績效風險對使用意願具負向顯著影響；另外，促成環境與使用意願會影響使用行為。

“FinTech” term is really famous in recent years. In the P2P loan platform, FSC thought the initial directions of P2P is the cooperation between banks and the P2P industry, or setting up their own P2P by the banks, and through the banking industry to help P2P industry to solve the source of fund. Therefore, this study takes the Unified Theory of Acceptance and Use of Technology and the perceptual risk theory to discuss the influence of Performance Expectancy, Social Influence, Facilitating Conditions, Effort Expectancy financial risk ,performance risk ,privacy risk , time risk and safety for users’ willing to the use P2P service platform to identify the main impact of the variables of the willing to use, and to explore deeply to find the development of P2P loan service platform.
In this study, the questionnaire was used for sampling over 18 years old people who have experience of using network. The total number of cases was 800, and 464 valid questionnaires were collected. The reliability analysis, difference analysis and regression analysis were carried out. The results showed that the Performance Expectancy , Effort Expectancy, Social Influence and safety  has a significant positive impact on the use intention, and the performance risk has a significant negative impact on the use intention; In addition, the Facilitating Conditions and the use intention will affect the use behavior.

目錄
中文提要.........................................................................................................................I
英文提要........................................................................................................................II
目錄...............................................................................................................................III
表目錄...........................................................................................................................IV
圖目錄............................................................................................................................V
第一章 緒論............................................................................................................1
第一節 研究動機與背景................................................................................1
第二節 研究目的與問題................................................................................3
第三節 研究流程............................................................................................4
第二章 文獻探討....................................................................................................5
第一節 P2P 簡介與相關文獻之探討.............................................................5
第二節 消費者行為理論..............................................................................10
第三章 研究方法..................................................................................................16
第一節 研究架構..........................................................................................16
第二節 研究定義與假設..............................................................................17
第三節 問卷設計..........................................................................................19
第四節 抽樣設計及樣本結構......................................................................22
第四章 研究結果..................................................................................................25
第一節 敘述性統計......................................................................................25
第二節 信度分析..........................................................................................29
第三節 檢定分析..........................................................................................30
第四節 迴歸分析..........................................................................................40
第五章 結論與建議..............................................................................................42
第一節 結論..................................................................................................42
第二節 建議..................................................................................................42
參考文獻......................................................................................................................43

表目錄
表 1 研究構面之量表來源 ............................................19
表 2 受訪者性別 ....................................................25
表 3 受訪者年齡 ....................................................26
表 4 受訪者教育程度 ................................................26
表 5 使用經驗 ......................................................27
表 6 整體樣本敘述統計...............................................28
表 7 整合性科技接受模型構面建構信度.................................29
表 8 知覺風險構面建構信度 ..........................................30
表 9 不同性別對各構面的差異性分析表.................................31
表 10 不同年齡層對各構面的差異性分析表..............................32
表 11 不同年齡層對各構面的差異性分析表..............................35
表 12 人口統計變數對「使用意願」的影響總表 .........................38
表 13 人口統計變數對「使用行為」的影響總表 .........................38
表 14 使用意願迴歸分析 .............................................40
表 15 使用行為迴歸分析各項數值 .....................................41
表 16 本研究假設檢定分析表 .........................................41

圖目錄
圖 1 理性行為模式...................................................11
圖 2 科技接受模式 ..................................................11
圖 3 延伸式科技接受模式.............................................12
圖 4 整合科技接受模型 ..............................................14
圖 5 知覺風險六各構面 ..............................................15
圖 6 研究模型.......................................................16

一、中文部分
1.中國《P2P網貸行業數據報告》中商情報網，網貸之家。
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4.林子渝(2015)，共享經濟下的P2P借貸模式，臺灣經濟研究月刊，38卷8期，頁43-49
5.張職(2012)，P2P網貸平台營運模式的比較、問題及對策研究，上海：華東理工大學博士 論文
6.郭衛東、李穎(2014)，「網路借貸平台 P2P 模式探索」，中國流通經濟，第 28卷，第6期，頁114-121
7.黃震、鄧建鵬、熊明、任一奇、喬宇涵（2014），英美P2P監管體系比較與我國P2P監管思路研究，金融監管研究院，第34期，頁45-49
8.葉湘榕（2014）， P2P 借貸的模式風險與監管研究，金融監管研究院，第27期，頁71-82
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10.薛群群(2013)，國內外P2P小額信貸企業運營模式研究及實例分析，中央民族大學碩士論文

二、	英文部分
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15.He, D., Lu, Y., & Zhou, D. (2008). Empirical study of consumers' purchase intentions in C2C electronic commerce. Tsinghua Science & Technology, 13(3), p.287-292.
16.Herzenstein, M., Andrews, R. L., Dholakia, U. M., & Lyandres, E.（2008）. The Democratization Of Personal Consumer Loans?Determinants Of Success In Online Peer-To-Peer Lending Communities. Online. Newark, DE; Houston, TX.
17.Jacoby, J., & Kaplan, L.B. (1972), “The components of perceived risk.” In M. Venkatesan (Ed.), Proceedings of the 3rd Annual Conference of the Association for Consumer Research, Association for Consumer Research, p.382-393. 
18.Jacoby, J., & Kaplan, L.B. (1972), “The components of perceived risk.” In M. Venkatesan (Ed.), Proceedings of the 3rd Annual Conference of the Association for Consumer Research, Association for Consumer Research, p.382-393.
19.Jung, M. L. (2008). From health to E‐health: Understanding citizens’ acceptance of online health care. Doctoral Thesis from Department of Business administration and Social Sciences Division of Industrial Marketing, E‐commerce and Logistics.
20.Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic commerce research and applications, 8(3), p.130-141.
21.Klafft, M.（2008）Peer to Peer Lending: Auctioning Microcredits over the Internet. Proceedings of the 2008 Int’l Conference on Information Systems,Technology and Management, pp. 1-8. Dubai: IMT. Retrieved 
22.Lin, M., Prabhala, N. R., & Viswanathan, S. (2009). Judging borrowers by the company they keep: Social networks and adverse selection in online peer-to-peer lending.
23.Schiffman, L. G. & Kanuk, L. L. (1991).Consumer Behavior, New Jersey: Prentice-Hall.
24.Van den Poel, D., & Leunis, J. (1999). Consumer acceptance of the Internet as a channel of distribution. Journal of Business research, 45(3), p.249-256.
25.Venkatesh, V. & Morris, M. G. (2000). Why do not men ever stop to ask for directions?
26.Venkatesh, V. & F. D. Davis(2000), A Theoretical Extension of The Technology Acceptance Model: Four Longitudinal Field Studies, Management Science, 46(20), p.186-204.
27.Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), p.425-478. 
28.Walter, C. G. & Paul W. G. (1970). Consumer Behariors: an Intergrated Framework, Homewood, 3, Richard D. Irwin Inc.
29.Wang,H.,Greiner,M. & Aronson,J.E.(2009),People-to-people lending:The emerging e-commerce transformation of a financial market, in Value Creation in E-Business Management.Springer Berlin Heidelberg, p. 182-195.
三、網站資料
1.P2P網路借貸平台不能說的秘密-濃妝豔抹後的壞賬綠-喬王，2015年6月7日
http://joehashappiness.blogspot.tw/2015/06/p2p.html
2.聯合新聞網-金管會：P2P不立專法 開放銀行承做
https://udn.com/news/story/7239/1793803
3.台灣網路資訊中心-2016 年台灣寬頻網路使用調查報告
http://www.twnic.net.tw/download/200307/20160922e.pdf