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http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19418
標題: | 線上支付平台價值創造與商業模式創新 The Value Creation and Business Model Innovation of The Online Payments Platform |
作者: | Pang-Yien Kao 高邦晏 |
指導教授: | 游張松 |
關鍵字: | 線上支付,支付帳戶,價值創造循環,行動支付,電子商務平台, Online payment,Payment account,Value Creation Cycle,Mobile Payment,E-commerce Platform, |
出版年 : | 2016 |
學位: | 碩士 |
摘要: | 受惠於科技的發展,支付交易開始有了新的面貌,過往人與人間的交易,往往是透過實體的現金或是信用卡。但現今的社會,消費不再侷限於實體店面,而是有更多的店家轉移到線上開店,也帶動了人類行為的轉變。
線上支付的需求變得越來越多,也越來越頻繁。其便利性甚至隨著技術的發展,也開始改變過去實體、線下的營運模式。智慧型手機等行動裝置讓人可以隨時隨地使用網路科技,線上、線下的界線變得模糊而不重要,因為線上支付不再只侷限於要坐在電腦前上網購物才會使用到,而是藉由行動裝置隨時隨地、任何用途都有可能被使用到。 店家透過線上支付系統而能夠更容易地掌握產品的銷售額、庫存、費用等收支明細,又減少了現金交易的風險如:拿到偽鈔、找零找錯金額等。對消費者而言,亦是如此,不論是資產上的管理或手持現金風險都得到改善。 對於經營線上支付系統的企業,如何從這樣環境的轉變,滿足甚至創造消費者需求,將會是影響企業發展的關鍵。本研究將透過價值創造循環(VCC)解釋目前所處環境,並依此探討各種線上支付的衍生性應用的風險、限制與優勢,在最後會提供各類型線上支付企業未來可行的發展方向。 Benefit from the technology development, payment transactions began to have a new look. In the past, people often transact in cash or by credit card. But in society of today, the consumer no longer limited to shop in physical stores, but transferring more to the online shore. It leads a shift in human behavior. Demand for online payment is going to be higher, and more frequent. Even the development of technology began to change the mode of the past offline operation. Smartphones and other mobile devices can let people use anytime, anywhere. Because of technology, online and offline boundaries become blurred and not important like before. The online payment is no longer confined to sit in front of the computer. With the mobile device, shopping online will be used to anytime, anywhere, and any purpose. Stores and through online payment systems can grasp the sales number, inventory, costs and other details of the balance sheets more easily and reduces the risk of cash transactions such as: get counterfeit, change for the wrong amount. For consumers, it is also the same. For online payment systems cooperation, how to make a transition from this environment and even create consumer demand will be the key to enterprise development. This study will apply value creation cycle (VCC) to explain the current environment, and so to explore a variety of online payment risks derived applications, limitations and advantages. In the last, this study will offer various development directions of the future online payment industry. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19418 |
DOI: | 10.6342/NTU201600558 |
全文授權: | 未授權 |
顯示於系所單位: | 商學研究所 |
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ntu-105-1.pdf 目前未授權公開取用 | 1.13 MB | Adobe PDF |
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