行動支付發展策略探討 – 以收單系統服務商為例

本研究目的是以收單系統服務商的角度探討行動支付的發展趨勢，因應產業的變化擬訂發展方向及策略。支付是人類社會重要的經濟活動，過去三十年，全球以塑膠貨幣、電子支付、電子商務取代傳統的現金支付，邁向無現金社會，而近十年隨著無線網路覆蓋率提高、高效能智慧型手機的普及，人們從到銀行櫃檯、ATM領取現金進行支付而轉為使用行動支付，從實體的商店轉往數位網路，發展出群眾自主性更高的行動商務。邁入數位時代，支付已不再僅限由金融機構提供服務，非正式金融支付業者的加入，以及金融科技的創新均使支付市場的發展更多元與競爭。中央銀行將支付區分為大額支付系統及零售支付系統，在零售支付系統中可依交易的場域區分為線下的實體商店以及線上的電子商務，台灣主要的行動支付分為由手機業者與銀行主導的感應式NFC行動支付，以及由台灣行動支付股份有限公司及數家電子支付機構、第三方支付公司主導的二維條碼QR code行動支付。零售消費市場包羅萬象，舉凡餐飲、服飾、住宿、交通、文康育樂、百貨以及繳費(稅)，近期受到疫情影響，民眾為降低接觸傳染風險並維持安全社交距離，減少現金支付，致行動支付比率大幅提高。無現金社會象徵國家競爭力的提升、環保意識的抬頭，支撐行動支付發展的重要資源是資訊服務產業，本研究將從全球趨勢、國家政策、社會現狀以及台灣支付市場的演變，探索收單系統服務商的發展策略。

關鍵字

零售；餐飲；信用卡；行動支付；電子商務；第三方支付

並列摘要

This research aims to explore the development trend of mobile payment from the perspective of acquiring system providers, and formulate the development direction and strategy of the industry. Payment is an important economic activity in human society. In the past three decades, the world has replaced cash payment with plastic money, electronic payment and e-commerce, and moved towards a cashless society. With the popularization of smartphones, people have switched to use smartphone instead of going to withdraw cash, and from physical merchants to digital networks. Entering the digital age, payment is no longer limited to the provision of services by financial institutions. The involvement of informal financial payment providers and innovations in fintech make the payments market more diverse and competitive. The central bank divides payment system into large-value payments and retail payments. The retail payments can be divided into offline and online according to transaction scenarios. The main mobile payments in Taiwan are divided into mobile phone vendors and banks, leading NFC mobile payment, and QR mobile payment led by Taiwan Mobile Payment Co., Ltd., and third-party payment companies. The retail consumption market includes catering, clothing, accommodation, transportation, culture, recreation and entertainment, department stores, and bill, tax payment. Recently affected by the covid-19 epidemic, people have reduced cash payments in order to reduce the risk of infection and maintain a safe social distance, resulting in a substantial increase in the ratio of mobile payment. A cashless society signifies increased national competitiveness and environmental awareness. An important resource supporting mobile payment is the technology industry. This study will explore growth strategies for the acquiring system providers.

並列關鍵字

Retail ； F B ； Credit Cards ； Mobile Payments ； E-Commerce ； Third Party Payments

參考文獻

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