This research is aimed to investigate potential users of open banking phase III in Taiwan. It also discusses the need and expectation of these users in connection with functions of open banking, such as online deposit, loan, credit card, payment and phone money transfer. The similarities between functions of open banking phase III and that of mobile payment give the idea for this research to conduct questionnaire survey on those experienced mobile payment users. Technology Acceptance Model (TAM) is used to measure the acceptance of those potential users for open banking.
This study sampled from Taiwan mobile payment users by questionnaire survey and collected a total of 275 valid samples. Samples were grouped into two categories, “mobile payment heavy users” and “non-mobile payment heavy users”. By reviewing Technology Acceptance Model, it is hypothesized that heavy mobile payment users who are stimulated by open banking functions will have higher “perceived usefulness” and “perceived ease of use” toward open banking phase III in Taiwan. It will therefore lead to higher “behavioral intention to use”.
The research results show that there is no positive impact for heavy mobile payment users on perceived usefulness toward open banking phase III, while there is a positive impact between heavy users and perceived ease of use toward open banking phase III. In addition, the results also indicate that higher perceived usefulness and perceived ease of use lead to higher behavioral intention to use.