本研究透過社群媒體大數據探討在新冠疫情期間社群媒體對我國民眾使用數位支付接受度的影響。從服務需求者角度，藉由趨勢檢定結果可發現：疫情對數位支付聲量影響力，在疫情前期已經產生正向的作用，中後期則是持續的影響。從服務提供者角度利用合成控制法及Difference-in-Differences方法分析得知：在疫情期間，國泰及合庫分別是民營銀行及官股銀行中數位支付使用量有較明顯增加的金融機構。國泰在台灣出現首例確診後(2020年1月)，因疫情干擾所產生的實驗效果最為顯著，而合庫則是在全球確診超過1000萬後(2020年6月)，所產生的實驗效果較為明顯。最後，無國泰民營銀行在疫情後數位支付使用量有顯著增加。反之，無合庫官股銀行在疫情後數位支付使用量沒有顯著的變化。

This study applies social media big data to explore the impact of social media on the acceptance of digital payment in Taiwan during the COVID-19 pandemic. From the service demand perspective, the trend test results indicate that the pandemic impact on the digital payment had a positive effect in the early stage of the pandemic, and had a continuous impact in the middle and later stages. From the service provider perspective, by using the Synthetic Control and the Difference-in-Differences Methods, Cathay United Bank and Taiwan Cooperative Bank were the financial institutions that had a significant increase in the digital payments among private banks and state-owned banks during the pandemic, respectively. After first confirmed case in Taiwan (2020.1), the experimental effect of Cathay United Bank caused by the pandemic intervention was the most significant, while the experimental effect of Taiwan Cooperative Bank was more significant after the global confirmed cases exceeded 10 million (2020.6). Finally, the digital payment services provided by non-Cathay United private banks had increased significantly after the pandemic. On the contrary, those provided by non-Taiwan Cooperative state-owned banks did not change significantly after the pandemic.

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