Taiwan's 「DIGI+」 from 2017 to 2025 aims to popularize mobile payments. However, breaking through the barrier of more than 80% adoption rate has proven to be challenging. The perceived usefulness and perceived ease of use in the technology acceptance model (TAM) are considered the primary driving factors. In other words, if people cannot perceive the ease of use and usefulness, any obstacles will fail to drive their intention to use mobile payments. 3C products are perceived as having a short product life cycle and a relatively high price. What factors contribute to consumers either resisting the adoption of mobile payments (innovation resistance) or adopting them (consumer value) when purchasing 3C products?
　　In this study, content analysis and 10 interview participants were conducted. After encoding and decoding the 'linguistic stem,' the results of this study indicate that consumers adopt mobile payment because they perceive it as secure, free from hacking or personal information leakage concerns. Additionally, they are motivated by supplementary benefits, money transformation utilization, market trends driven by consumer demands, and the advantages propelled by social environments. Reasons for customers discontinuing use include excluding security or personal information leakage issues. However, consumers still consider: 1. Self-considerations in risk assessment, 2. Consumer usage habits, 3. Engaging in money laundering crimes driven by social environmental influences, 4. Forced changes in personal usage habits and methods, 5. Psychological barriers related to post-purchase services, and 6. Limited cross-industry alliances and a lack of interactivity. Therefore, social influence is a double-edged sword when it comes to people using mobile payments. The researchers have also provided practical recommendations for the government and the public as a reference.