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|Title: ||第三方支付機制對我國銀行發展的影響;The Impacts of the Third-party Payment Platform on the Development of Taiwan’s Banks|
|Issue Date: ||2015-09-23 12:20:39 (UTC+8)|
台灣早期並沒有合法的第三方支付平台，隨著網路的蓬勃發展，網路業者積極推動第三方支付平台的建置。2014 年台灣正式啟動第三方支付機構平台， 2015年立法通過《電子支付機構管理條例》，有數十家銀行加入第三方支付的市場，銀行扮演重要的金流地位。
;Along with technology shift and common usage of internet, the development of electronic commerce is accelerated. Nowadays, more and more people transaction through the convenient internet platform. However, the following internet frauds emerge one after another. Without mutual trust, buyers worry about paying the bill without receiving items and meanwhile sellers worry about shipping the items without receiving the payments, which raises the third-party payment platforms.
The third-party payment platforms solve the distrustful problems between buyers and sellers. First of all, buyers purchase items and pay to the third-party payment platforms. Then, after the third-party payment platforms confirm the payments, they notify sellers to ship items. Finally, after buyers confirm that their items are correct, they notify the third-party payment platforms to give payments to sellers and finish the transactions.
There were no legal third-party payment platforms early in Taiwan. With the development of internet, dealers positively promote the establishment of third-party payment platforms. Last year (2014), the third-party payment platforms formally activated. In this year, “The electronic payment institution regulations” was legislated and dozens of banks joined the third-party payment markets, playing a key role of cash flows.
This paper studies the co-opetition relationship between third-party payment platforms and banks. How do banks create a new business model among the rapidly developing electronic commerce? Banks have linked electronic commerce along with the Bank 3.0 financial digitization. Facing with the keen competition of the worldwide commercial digitization, banks in Taiwan are able to expand the market through internet, social media, mobile payment…etc.
To sum up, banking was mainly focusing on management of cash flow. As a novice in the internet market, there is a certain degree of difficulty to make a disruptive innovation of service model. If banks do the third-party payments on their own, more costs of human resource and management of platform are predictable. As a result, banks should provide more stable and innovative cash-flow services and cooperate with the third-party payment platforms to support the third-party payment and creative a friendly, safer, and more convenient transaction environment. The present payment environment in Taiwan is very convenient. Even though banks do not operate the third-party payment by themselves, they can still find their way out by financial service digitization.
|Appears in Collections:||[高階主管企管（EMBA）碩士班] 博碩士論文|
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