| Abstract: | 行動支付產業的經營成效對於我國在未來科技、資訊、銀行與電信等產業之發展舉足輕重，也是我國現代化發展程度的重要指標。行動付款的技術條件都已成熟，但需要眾多產業能將資源合作及整合，然而目前台灣行動付款的發展績效明顯落後於其他國家，加上政府政策與法規制度、企業經營策略、消費者需求都未能達到相輔相承的綜效。
本研究針對台灣地區銀行業行動支付產業公司的現況及發展趨勢，探討我國銀行業在資訊與通訊科技發展日新月異下，如何因應行動支付服務的擴展，觸發了金融支付、電信服務、應用服務三大產業間的營運關聯，共同發展虛實整合的行動支付應用，藉由跨產業間的合作與聯盟，將有助於提高社會大眾對於行動支付服務應用的信任與青睞，更有助於金融機構加速拓展行動支付服務，為我國產業進軍電子商務及行動商務市場，注入新的發展動能。
研究結果顯示銀行業在總體環境，受政治因素、經濟因素、科技因素、人口因素、法律因素影響。從發展行動支付之結構分析，現有競爭者為銀行同業，潛在競爭者為外資銀行、異業投資行動支付業者。另進一步針對行動支付SWOT分析發現，銀行業有獨特優勢，如金流財務管理及風險控管嚴謹，即使在面對劣勢也可運用自身優勢並利用外在機會來創造利益，克服威脅。
The effect of mobile payment industry for technology, information, bank, and telecommunication is very huge and important in the future. The technical conditions of mobile payment are well-developed, but still need to integrate the resource of each industry. However, the development of mobile payment in Taiwan is behind other country due to there is no complementarity between the government policy, laws, business strategy, and consumer needs.
This study will discuss the banking industry how to response the expansion of mobile payment service, improving the business relationship between banking payment, telecommunication service, application service, and co-developed clicks-and-mortar business of mobile payment. It will raise the social confidence and favor for mobile payment service by cross-industry cooperation and alliances, helpful for banking institution to develop mobile payment service, and inject new development momentum for Taiwan industry marching into electronic-commerce service and mobile-commerce service.
The research results indicated that banking will be affected by political factors, economic factors, technological factors, demographic factors, and law factors. By the structural analysis of mobile payment indicated that the existing competitor is interbank, potential competitor are foreign bank and other company which invest mobile payment. We also can through SWOT analysis to find banking has unique advantage, such as cash flow management and well risk control, could take advantage itself and use opportunity of exterior environment to overcome threats while toward bad situation. |
