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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/63510

    Title: 非現金交易的未來–從認證技術與商業模式談起
    Authors: 何亦佳;Ho,Yi-chia
    Contributors: 產業經濟研究所在職專班
    Keywords: 非現金社會;智慧辨識;行動交易;支付產業;cashless society;intelligent identification;mobile trading;payment industry
    Date: 2014-01-27
    Issue Date: 2014-04-02 15:42:54 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 「非現金交易」不是創新的概念,但卻是市場交易發展必然的趨勢。
    實踐「絕對」簡便且安全的交易。; “Cashless Society” is an inevitable urge, rather than a fancy concept.
    Historically, from consumers' perspective, the desire to move away from
    conventional monetary systems is pronounced. The realm of pursuing an
    efficient and secure trading system is clearly evident from the progression of the
    monetary system: from the barter economy to the notes-and-coins cash monetary
    systems, credit/debits card (aka the plastic money), and the widely discussed
    mobile money systems. As a consequence of free market economy, the
    economical system is now entering the so-called micro-profit era, where the
    business environment is facing an intense competition in price and return. In
    accommodation with this transition, most governments and financial departments
    would also prefer a cashless society for the following reasons: Recessions and
    deflation may be alleviated through regulation of interest rates, rather than the
    Quantitative Easing (QE) undertaken by US, or other questionable innovations;
    Cashless trading would not only reduce the production cost associated with paper
    notes, but would also empower criminal suppression by allowing governments to
    track all transactions electronically.
    It is therefore a foreseeable trend to go cashless. However, how to implement
    safe and efficient cashless trading is still a question mark. One conceivable
    solution, with the state-of-art, may be through the integration of intelligent
    identification: possible intermediates to advocate adequate security may be
    through a smartphone, necklace, bracelet, watch, or biological features, such as
    fingerprint, facial feature and eye iris. Speculating that smartphone combining
    intelligent identification being the most likely cashless scheme in the coming
    decade, this study shows the trend by summarizing the evolution of monetary
    system in the world. This study also discusses the potential problems and
    solutions when promoting cashless trading in Taiwan, based on other countries'
    experience. Although technology development may help lay the groundwork
    toward cashless society, it is of particular note that the ultimate cashless utopian,
    is an “absolutely” secure and efficient trading system free of any intermediates.
    Appears in Collections:[產業經濟研究所碩士在職專班 ] 博碩士論文

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