| 摘要: | 隨著科技的急速進步和城市化的蓬勃發展，「智慧城市」已經成為現今世界一個備受關注的重要趨勢。然而，作為智慧城市建設的不可或缺要素之一「無現金支付」已於全球取得了顯著的突破，並在城市生活中扮演了關鍵的角色。而智慧城市的一項關鍵目標是提升城市的永續性，減少能源消耗和資源浪費。因無現金支付的需求日益增加，減少紙張和硬幣的使用，有助於減輕對環境的負擔，同時提高城市運營效率，為民眾提供更多便利性。
本論文透過分析中國、挪威、和日本的無現金支付案例，探討無現金支付在智慧城市中的角色、發展趨勢，以及其對城市效率和經濟發展的影響。中國無現金支付的普及尤為顯著，由支付寶和微信支付領導的市場幾乎達到了無現金交易的全覆蓋。這一現象不僅改變了日常購物習慣，也促進了小微企業的經濟活動，進一步推動了城市的數位化轉型。在挪威，政府和金融機構推動了高度數位化的支付環境，使該國成為全球無現金交易的先驅之一。挪威的大多數銀行和商家都接受電子支付，這不僅提高了支付的便捷性和效率，也增強了交易的安全性。日本則是透過政府政策和企業合作，積極推廣無現金支付，尤其是在2020東京奧運前夕，政府提出增加無現金支付的目標，鼓勵消費者和企業採用電子支付方式，以提升整體經濟效率和遊客體驗。
本論文進一步評估無現金支付在提高交易效率、降低成本以及提升支付安全性方面的優點。然而，它也面臨諸多挑戰，包括技術障礙、消費者信任度低、安全性和隱私擔憂、法律和政策支持、支付間系統的相容性和整合性、缺乏了解、公眾教育、技術基礎設施問題、習慣與文化因素、以及商家的接受度和適應。這些挑戰需透過不斷的技術創新和政策調整來解決，以確保所有民眾都能方便地使用這些支付方式。
透過文獻回顧，本論文分析了無現金支付在智慧城市應用中的具體作用，及其對城市管理和公共服務的智慧化、高效化、便捷化和永續化的貢獻。未來，隨著技術的不斷進步和政策的支持，無現金支付將繼續在智慧城市建設中扮演關鍵角色，推動城市走向更加智慧、永續的方向發展。除此也呼籲政府必須更關注於無現金支付的普及性、安全性和隱私保護，以確保所有民眾都能在使用無現金支付的過程中能夠真正享受到其帶來的便利和效益，從而實現更智慧、更永續的智慧城市生活。;In modern society, cashless payment is ubiquitous, from traditional methods of currency exchange to the widespread adoption of electronic and mobile payments. Cashless payment has become an integral part of everyday life. It significantly increases payment efficiency, reduces the time needed for traditional cash transactions, and is convenient and quick. It enhances transaction security, preventing risks like forgery and theft, and protects consumer rights. It also promotes economic development by reducing black market transactions and provides more data for economic analysis and policy-making.
Cashless payment has become an essential part of smart city construction and will continue to thrive in the future. It not only enhances the quality of life but also contributes to the sustainable development of cities. The rise of blockchain technology will further enhance payment security and transparency; artificial intelligence will improve risk management and anti-fraud capabilities; the ubiquity of the Internet will make payment systems more intelligent and automated. The integration of these technologies will bring more innovative opportunities and advancements to cashless payments, helping to increase the efficiency and reliability of payment systems. Cashless payment includes six tools: mobile payments, electronic payments, third-party payments, credit cards, debit cards, and electronic tickets.
This thesis, through a global analysis of cashless payment cases, discusses the role of cashless payments in smart cities, development trends, and related impacts on urban efficiency and economic development. It illustrates the evolution of cashless payments from traditional payment methods to their current state and explores the driving factors behind the rise of cashless payments, including technological innovation, changes in consumer behavior, and government policy initiatives. It also assesses the advantages of cashless payments in increasing transaction efficiency, reducing transaction costs, and enhancing payment security, and discusses the challenges it faces, such as information security and widespread adoption issues, and how to ensure that all people can easily use these payment methods. Additionally, through a literature review, it analyzes the application of cashless payments in smart cities and their contributions to the smartification, efficiency, convenience, and sustainability of city management and public services, thereby evaluating the actual impact of cashless payments on the operational efficiency of smart cities.
In the future, as technology continues to advance and policies support, cashless payments will continue to play a key role in the construction of smart cities, pushing cities towards a smarter, more sustainable direction. It also calls for governments to pay more attention to the popularity, security, and privacy protection of cashless payments to ensure that all people can truly enjoy the convenience and benefits of cashless payments, thereby achieving a smarter, more sustainable smart city life. |
