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Influence of Electric Payment on Financial Services
Electronic Payment,Third-Party Payment,Mobile Payment,Transaction Risk,Electronic Commerce,
|Publication Year :||2019|
一、支付無線化：兩大因素促使行動支付於絕佳時機自電子支付市場商用化並且蓬勃發展 – 尖端科技使得智慧連網裝置運算能力突飛猛進與高速寬頻通訊網路發展成熟。
Electronic payments would be the crucial role in the modern business activities which represent the most valuable invention during the process of the financial innovation. It indicates the brand new approach for financial institutions to pursue profits. And the continuously development of new technology triggering E-Payments into various forms and make it more user oriented. However, technology enterprises which represent non-traditional financial institutions participate into the financial market make it more competitive, and yet giving the incentive to create new business models. It delivers the ultimate possibilities for the future, but brings new challenges and multiple risks as well.
Within this research, we study E-payments ecosystem and learn how the system develop to the current scale, and also overview the development and application of E-payments around the globe. In the end we analyze the influence of E-payments to the global economic environment.
This study summarizes the following conclusions:
1.Transaction wirelessness：Two major factors which giving the mobile payment to the exactly right timing to commercialize and blooming around the E-payment market are portable intelligent networking devices carry sufficient computing power and high speed broadband communication leveraging from the advance technology.
2.E-payment development localization：The pattern and pace of E-payment business are developed inconsistently among Europe, North America, and Asia region due to differences of historical background, culture, financial environment, and consumption preference.
3.Risk complexity：Traditional financial institutions and tech-players are two big innovation suppliers, and they are competing and coworking with each other in an unusual and complex way, leading to E-commerce rapidly grows and force both of them speed up the financial innovation process and cause a series of risk at the same time.
4.Positive economic growth：E-payment business drives the global economy development into the positive direction and provides more job opportunities.
|Appears in Collections:||經濟學系|
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