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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 謝德宗(Der-Tzon Hsieh) | |
| dc.contributor.author | Chun-Hung Chen | en |
| dc.contributor.author | 陳俊宏 | zh_TW |
| dc.date.accessioned | 2021-06-17T09:10:24Z | - |
| dc.date.available | 2020-10-17 | |
| dc.date.copyright | 2019-10-17 | |
| dc.date.issued | 2019 | |
| dc.date.submitted | 2019-09-18 | |
| dc.identifier.citation | 中文文獻
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| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/74923 | - |
| dc.description.abstract | 電子支付在商業活動中所扮演的角色十分關鍵，並且視為金融創新最為重要的發明，提供金融機構追求利潤全新途徑。隨著科技發展，電子支付樣貌更形多元，而非傳統金融業者的科技業投入市場與銀行競爭，為金融市場注入活水，為未來創造機會，但也同時帶來新挑戰與風險。
本研究目的為探討電子支付體系型態與發展情形、綜觀世界各國電子支付發展及應用現況，以及剖析電子支付對於全球經濟發展的影響。 本文主要結論如下： 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。 二、發展分歧化：歐洲、北美及亞洲地區發展電子支付期程並不同調，涉及各自歷史背景、文化差異、金融環境與消費習慣等。 三、風險複雜化：傳統金融業和科技業為金融市場兩大創新供給方，彼此構成競合關係導致電子商務大幅成長，並驅策雙方加速電子支付創新發展步伐，同時亦衍生多種風險。 四、經濟正向成長：電子支付產業帶動全球經濟朝正向發展，並提供更多就業機會。 | zh_TW |
| dc.description.abstract | 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. | en |
| dc.description.provenance | Made available in DSpace on 2021-06-17T09:10:24Z (GMT). No. of bitstreams: 1 ntu-108-P06323024-1.pdf: 2490940 bytes, checksum: 05dab6e49921704d376830beb7e0726b (MD5) Previous issue date: 2019 | en |
| dc.description.tableofcontents | 口試委員會審定書..................................... ii
謝辭 ............................................... iii 中文摘要 ............................................ iv 英文摘要 ............................................. v 圖目錄 ............................................. vii 表目錄 ............................................ viii 第一章 緒 論 ..................................... 1 1.1 研究背景與動機 .................................. 1 1.2 研究目的 ........................................ 2 1.3 本文架構 ........................................ 3 第二章 非現金支付工具之分析 ......................... 4 2.1 信用卡、金融卡與儲值卡支付 ...................... 4 2.2 第三方支付 ...................................... 8 2.3 行動支付 ........................................ 9 2.4 數位加密貨幣支付 ............................... 10 第三章 電子支付於金融科技之發展與定位 .............. 14 3.1 電子支付發展過程與型態 ......................... 14 3.2 電子支付的風險與成本 ........................... 16 3.3 電子支付對經濟發展的影響 ....................... 24 第四章 國內外電子支付市場發展與探討 ................ 30 4.1 電子支付於各國市場之應用 ....................... 30 4.2 本國電子支付市場應用現況 ....................... 43 4.3 電子支付面臨的法規監理問題 ..................... 45 4.4 電子支付：以華南銀行為例 ....................... 49 第五章 結論與建議 .................................. 51 5.1 結論 ........................................... 51 5.2 研究建議 ....................................... 53 參考文獻 ............................................ 54 | |
| dc.language.iso | zh-TW | |
| dc.subject | 交易風險 | zh_TW |
| dc.subject | 第三方支付 | zh_TW |
| dc.subject | 行動支付 | zh_TW |
| dc.subject | 電子商務 | zh_TW |
| dc.subject | 電子支付 | zh_TW |
| dc.subject | Third-Party Payment | en |
| dc.subject | Mobile Payment | en |
| dc.subject | Electronic Payment | en |
| dc.subject | Transaction Risk | en |
| dc.subject | Electronic Commerce | en |
| dc.title | 電子支付對金融服務影響之探討 | zh_TW |
| dc.title | Influence of Electric Payment on Financial Services | en |
| dc.type | Thesis | |
| dc.date.schoolyear | 108-1 | |
| dc.description.degree | 碩士 | |
| dc.contributor.oralexamcommittee | 林惠玲,李顯峰 | |
| dc.subject.keyword | 電子支付,第三方支付,行動支付,交易風險,電子商務, | zh_TW |
| dc.subject.keyword | Electronic Payment,Third-Party Payment,Mobile Payment,Transaction Risk,Electronic Commerce, | en |
| dc.relation.page | 56 | |
| dc.identifier.doi | 10.6342/NTU201904143 | |
| dc.rights.note | 有償授權 | |
| dc.date.accepted | 2019-09-19 | |
| dc.contributor.author-college | 社會科學院 | zh_TW |
| dc.contributor.author-dept | 經濟學研究所 | zh_TW |
| 顯示於系所單位： | 經濟學系 | |
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