## 5 Conclusions  
The study found the path coefficients of perceived ease of use and perceived usefulness to consumers' attitude towards use are 0.33 and 0.54, respectively (as shown in Figure 3), and there is a significant positive impact, because if the innovative function is easy to learn and practical, it will indeed make consumers more receptive to the innovative technology, and from the perspective of the path coefficient value, the perceived usefulness has a greater impact on the consumer's attitude towards use. However, this study's findings contradict those of [PERSON] et al. (2010) and [PERSON] and [PERSON] (2016) in terms of perceived ease of use and differs from that of [PERSON] and [PERSON] (2016) in terms of perceived usefulness [17,25]. [PERSON] and [PERSON]'s (2016) results differed mainly because in their study, they believe that not every consumer is familiar with mobile payment technology [17]. Hence, if a person is technically savvy, mobile payment applications can be easily used for some but may be difficult to others; the relationship between perceived ease of use and mobile payment adoption systems may then be negligible in this respect. However, the empirical results of this study are consistent with the findings of [PERSON] et al. (2010) and [PERSON] et al. (2010) [23,24], and perceived usefulness are consistent with [PERSON] et al. (2010), [PERSON] et al. (2010) and [PERSON] et al. (2010) [23,24, 25]. Furthermore, this study employed empirical evidence on the mediating effect of transaction security on usage attitudes and usage intentions and found that transaction security can strengthen consumers' behavioral intention to use mobile payment, thus implying that consumers will be affected by transaction security whether they want to use mobile payment tools or not. In recent years, with the advancement of communication and network technology, mobile payment has become increasingly common. In some regions such as mainland China, mobile payments account for a significant proportion of transactions (e.g., AliPay or WeChat Pay for taxi or shopping in the market). However, in Taiwan or Japan, even though Line pay, Apple pay, or Google pay and mobile Internet access are commonplace, the proportion of cash payment in transactions is still high. The main reason behind the varying degrees of adoption may be due to personal data protection and transaction security considerations. [PERSON] et al. (2021) explore the resistance of mobile payment, they found that cognitive transaction security (perceived security) and personal data security, this also explained why the penetration rate of mobile payments in \begin{table}
\begin{tabular}{c c c c} \hline \hline
**Constructs** & **Direct Effect** & **Indirect Effect** & **Total Effect** \\ \hline ATT \(\rightarrow\) BI & 0.732 & 0.162 & 0.894 \\ ATT \(\rightarrow\) TS & 0.650 & & \\ TS \(\rightarrow\) BI & 0.249 & & \\ \hline \hline \end{tabular} Source: calculated by this research.  
\end{table} 
Table 12: Mediating effect of transaction security. developed countries is lower than in developing countries. Privacy risks are the cause of mobile payment resistance, so the results of this study on transaction security are consistent with those obtained by [PERSON] et al. (2021) [PERSON] et al. (2021). In terms of practical contributions, it was found that both perceived ease of use and perceived usefulness have a significant positive impact on consumers' attitude towards using this technology, with the latter having more impact. This means that mobile payment programs or devices should not only be easy to understand, but also have more complete functions to attract consumers' love. In terms of research on transaction security (perceived security), mobile payment providers can be recommended because empirical evidence shows that the effect of users' behavioral intention through transaction security is greater than the effect of using attitude and behavioral intention. Therefore, consumers attach great importance to transaction security.