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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/77326

    Title: 台灣行動支付產業未來展望之研究
    Authors: 陳志榮;Chen, Chih-Jung
    Contributors: 產業經濟研究所
    Keywords: 金融科技;行動支付;電子支付;Mobile Payment;Fintech;Electronic Payment
    Date: 2018-06-25
    Issue Date: 2018-08-31 14:33:08 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 近年來各國政府積極推行無現金化的社會政策,希望透過信用卡、金融卡、電子票證等電子支付工具取代過往的現金交易,促使地下經濟浮出檯面,增加稅收;另一方面無現金的交易模式也大大降低洗錢機會,符合世界推行洗錢防制法的趨勢。
    本研究發現推展行動支付成功的關鍵因素,在於提供良好的支付體驗、創造成熟的收付環境以及培養民眾使用電子支付的習慣。而商家設置電子支付設備有三大障礙點,課稅成本、設備設置成本以及交易手續費成本。如何克服這些困難點是增加行動支付比例很重要的課題。;In recent years, the governments of various countries have actively implemented cashless social policies, hoping to replace the past cash transactions with electronic payment tools such as credit cards, financial cards and electronic ticketing cards, so as to promote the underground economy to emerge and raise taxes. On the other hand, cash-free trading model also greatly reduces the money laundering opportunities, in line with the world trend of money laundering prevention law.
    At the same time, thanks to the development of communication technology, the popularity of smart phones and the mobile payment security technology to provide a good space for development of mobile payment. The growth of the global near-end mobile payment market is due to the increasing proportion of global consumers using smart phones, and the growing preference for the convenience of mobile payments. And more manufacturers to develop a simple installation of the near-end mobile payment system to provide businesses to enhance the willingness to install.
    First, this study analyzes the current situation of international action payment technology and industry through the literature, then combines the technology and mode of electronic payment, it also analyzes the cases of international well-known action payment, and analyzes the business model and new place of foreign action payment industry. Last, this paper discusses the incentive policy and regulations for the implementation of action payment at home, and analyzes the reasons for the obstacles to the implementation of action payment in Taiwan. To sum up, the above analysis will give a reference to the related industry and the government in the future direction of innovative payment services.

    This study finds that the key factors to promote the success of mobile payment are to provide a good payment experience, to create a mature payment environment and to establish consumersundefined habit of using electronic payment. There are three barriers to the introduction of electronic payment, tax cost, equipment import cost and transaction fee cost. How to overcome these difficulties is an important issue to increase the proportion of mobile payment.
    Appears in Collections:[產業經濟研究所] 博碩士論文

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