網路的普及推動了金融科技的發展，科技有效消除了金融交易中時間和空間的障礙，消費者可以用更低廉的費用在網路上進行儲蓄、借貸、支付和投資。然而個資外洩的新聞頻傳，消費者可能因為隱私疑慮而降低使用金融科技的意願。過去的研究主要關注利益與風險對於金融科技接受度的影響，相對較少文獻探討消費者對於隱私疑慮的感知層面。因此本研究以三種隱私疑慮：「個資理解性」、「個資安全性」、「個資自願性」，分析隱私疑慮對於金融科技接受度的影響，並以顧客區隔作為調節變項。

根據研究的結果，個資安全性和個資自願性對於金融科技接受度皆有顯著影響。另外，個資安全性對於晚期使用者採用金融科技的影響大於早期使用者，由於早期和晚期使用者的特性，他們會對隱私疑慮有不同的感知。因此，金融科技公司蒐集和使用個資的方式會影響到消費者對於使用金融科技的意願。最後，本研究結果能協助企業了解早期和晚期使用者的差異，進而制訂出適合的隱私權聲明降低消費者的疑慮，擴大整體的金融科技接受度。

The popularity of the Internet has driven the development of financial technology, which has effectively eliminated time and space barriers in financial transactions, allowing consumers to save, borrow, pay, and invest online at a lower cost. However, with news of privacy breaches, consumers may be less willing to use Fintech due to privacy concerns. Previous studies have focused on the impact of benefits and risks on Fintech acceptance, yet few literatures have examined the dimensions of consumer privacy concerns. Therefore, this study analyzes the impact of three privacy concerns: "privacy comprehension", "privacy security", and "privacy voluntariness" on the Fintech adoption with user types as a moderation.

According to the results of this study, both privacy security and privacy voluntariness had significant effects on the Fintech adoption. In addition, privacy security has a greater impact on the adoption of fintech for late adopters than early adopters, as they have different perceptions of privacy concerns due to their characteristics. Therefore, the way fintech companies collect and use personal information affects consumers' willingness to use Fintech. To sum up, the results of this study can help companies understand the divergence between early and late adopters so that they can develop appropriate privacy practice to reduce privacy concerns and expand the overall acceptance of Fintech.

Table of Contents iv
List of Figures vi
List of Tables vii
1. Introduction 1
1.1 Research background and motivation 1
1.2 Research purpose 3
2. Literature Review and Hypotheses 5
2.1 Fintech Adoption 5
2.2 Privacy Concerns 6
2.2.1 Privacy Comprehension 11
2.2.2 Privacy Security 12
2.2.2 Privacy Voluntariness 13
2.3 Moderation: user types 15
3. Research Framework and Methodology 19
3.1 Research Framework and design 19
3.2 Sample and data collection 19
3.3 Measures 20
4. Results 23
4.1 Reliability and construct validity 24
4.2 Common Method Variance (CMV) 26
4.3 Hypotheses Testing 28
4.4 Moderation effect of user types 29
5. Conclusion 35
5.1 Discussion and Implications 35
5.2 Limitation and Future Directions 37
References 39

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