當數位交易迅速取代傳統現金交易時，行動錢包技術已經變得無所不在，徹底改變了全球金融交易的格局。本研究探討了在台灣的菲律賓臨時移民對電子支付（e-pay）系統的採用情況，重點關注文化適應如何影響他們使用LINE Pay。研究指出，關於文化因素，特別是文化適應，對移民社區技術採用的影響，在文獻中存在顯著的缺口。利用技術接受模型（TAM）及其相關構造，如努力期望和感知安全性，通過定量方法來探討這些動態。研究結果表明，文化適應顯著影響了使用LINE Pay的行為意圖，並受到努力期望和感知安全性的中介作用。研究結果強調了文化融合、用戶友好設計和強大的安全措施在促進移民採用電子支付方面的重要性，為政策制定者和數字金融服務提供商提供了見解。本研究有助於更廣泛地理解文化與技術在移民背景下的相互作用，解決了當前知識中的關鍵缺口，並為改善多元文化人群的數位支付生態系統提供了實際意義。

In an era where digital transactions are swiftly replacing traditional cash exchanges, mobile wallet technology has become ubiquitous, revolutionizing the global financial transaction landscape. This study examines the adoption of electronic payment (e-pay) systems among Filipino temporary migrants in Taiwan, focusing on how acculturation influences their use of LINE Pay. The research identifies a significant gap in the literature concerning the impact of cultural factors, specifically acculturation, on technology adoption within migrant communities. Using the Technology Acceptance Model (TAM) and related constructs such as effort expectancy and perceived security, the study explores these dynamics through a quantitative methodology. Findings indicate that acculturation significantly affects the behavioral intention to use LINE Pay, mediated by effort expectancy and perceived security. The study's results highlight the importance of cultural integration, user-friendly design, and robust security measures in promoting e-pay adoption among migrants, offering insights for both policymakers and digital financial service providers. This research contributes to the broader understanding of the interplay between culture and technology in the context of migration, addressing critical gaps in current knowledge and providing practical implications for enhancing the digital payment ecosystem for culturally diverse populations.

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