兩岸電子支付比較分析－以街口支付與支付寶為例

The Comparison and Analysis of W-payment across the Taiwan Strait-Jko Pay and Ali Pay as Examples

蔡永順(Tsai, Yung-Shun) ； 張俊評(Chang, Chun-Ping) ； 蕭坤明(Hsiao,Kun-Ming) ； 臧仕維(Tzang, Shyh-Weir)

《藝見學刊》 23期 (2022/04) Pp. 11-28

https://doi.org/10.6207/ART-VISION.202204_(23).011-028

摘要

隨著網路和科技的蓬勃發展，傳統金融服務採用了創新的資訊科技，使電子商務成為一種新穎的商業模式，這也打開了電子支付的市場。這使得無現金交易成為主流。因此，本研究分為兩個部分。第一部分是電子支付的歷史，討論為什麼我們需要電子支付及其當代發展，並介紹了街口支付和支付寶的形成。在第二部分中，我們通過供給，需求及其法律環境來探討中國大陸和台灣電子支付行業的現況以及發展環境。我們發現街口支付和支付寶存在明顯差異。在供應方面，支付寶的規模超過街口支付。在需求方面，支付寶的服務也優於街口支付。在法律環境中，支付寶在中國也相對較自由，這意味著支付寶的發展狀況在各個方面都優於街口支付。但是，在供給面的付款流程上，街口支付與銀行發展了更好的合作關係，而支付寶與銀行則處於對立的位置。

關鍵字

電子支付 ； 支付寶 ； 街口支付 ； 供給與需求比較

並列摘要

With the rapid development of the Internet and technology, traditional financial services have adopted innovative information technology, making e-commerce a novel business model, which has also opened up the electronic payment market. This makes cashless transactions mainstream. Therefore, this research is divided into two parts. The first part is the history of electronic payment, discussing why we need electronic payment and its contemporary development and introduced the formation of Jko Pay and Ali Pay. In the second part, through supply, demand, and its laws, we found that Jko Pay and Ali Pay are significantly different. In terms of supply, Ali Pay is larger than Jko Pay. In terms of demand, Ali Pay's services have also beyond Jko Pay. In the legal environment, Ali Pay is relatively free in China, which means that the development of Ali Pay is better than Jko Pay in all aspects. However, in terms of the payment process, Jko Pay has developed a better cooperative relationship with the bank, but Ali Pay and the bank are in a conflict position.

並列關鍵字

E-payment ； Ali Pay ； Jko Pay ； Supply And Demand