區塊鏈技術對於支付產業的影響

Abstract

本文以文獻研究、政府相關推行政策以及目前最新的區塊鏈相關資訊，來探討區塊鏈對於目前支付產業的影響以及進一步探討區塊鏈的應用以及未來的建議。 隨著各式各樣的交易需求，區塊鏈正在取代著部份的機制。區塊鏈的技術,讓建立信任機制的可以用很低的成本。區塊鏈的去中心化、點對點的傳輸、分散式的帳本、不可竄改資料以及高透明度等特性，可以讓數位貨幣、徵信(認證)、股權登記、金融貿易、信貸融資、支付清算、證券交易、代理投票、股權眾籌、跨境交易、保險經紀等領域帶來了創新的做法。從一般消費到商業貿易，各種支付系統(現金、匯款、信用卡、行動支付等)，都需要中間交易的成本，藉由區塊鏈的特性能夠在改變原本的支付產業並且達到節約成本、快速及安全交易。我們知道，區塊鏈目前正在衝擊著我們現在的企業以及消費者的支付習慣。經過本文的彙整分析下結論與建議如下: 目前大多數的銀行中介與政府對於區塊鏈都是抱持保守或是禁止的狀態，這是因為區塊鏈還是帶有安全上的疑慮以及會衝擊我們的貨幣市場，所以政府需要制定安全的機制與法規，目前已經看到許多區塊鏈的應用正在快速的成長，經過本研究綜合各個支付的各項成本信息看見，區塊鏈在未來除了金融產業或是其他需要中介的各項服務，都會被區塊鏈的數據庫應用所取代，取代的最主要是人工、資源成本及身分認證，進而讓科技設備的服務來取代。目前支付產業正面臨嚴峻的挑戰，就是“成本”考量，所以面對新的科技創新，即使衝擊這個產業，為了有更好的競爭力，還是必須進步。除了金融業，在電信業、航空業、金融業、保險業都需要這樣便利的無鑰匙簽章認證。甚至在可以預見的未來，區塊鏈會能夠打造國家級或是地球級的應用，所以不久的將來，不論是支付系統還是其他應用，都會在區塊鏈的技術突破下，改變我們的生活。

This paper explores the impact of blockchain on current payment industries and further explores the application of blockchains and future recommendations based on literature research, government-related implementation policies, and current blockchain-related information. With a variety of trading needs, the blockchain is replacing some of the mechanisms. The technology of blockchain allows the establishment of a trust mechanism at a very low cost. The decentralization of the blockchain, peer-to-peer transmission, decentralized books, non-tamperable data, and high transparency allow for digital currency, credit (certification), equity registration, financial trade, credit financing, payment clearing, Innovative practices have been brought about in the areas of securities trading, proxy voting, equity crowdfunding, cross-border transactions, and insurance brokerage. From general consumption to commercial trade, various payment systems (cash, remittance, credit card, mobile payment, etc.) require the cost of intermediate transactions. The characteristics of the blockchain can change the original payment industry and achieve cost savings and speed. Secure Transaction. We know that the blockchain is currently impacting the payment habits of our current businesses and consumers. After the analysis of this article, the conclusions and recommendations are as follows: At present, most bank intermediaries and governments are conservative or prohibited on the blockchain. This is because the blockchain still has security concerns and will impact our money market, so the government needs to develop a safe Mechanisms and regulations, we have seen that the application of many blockchains is growing rapidly. After the study, we have seen the various cost information of each payment. In the future, in addition to the financial industry or other services that require intermediaries, the blockchain will be Will be replaced by the database application of the blockchain, the most important replacement is labor, resource costs and identity certification, which will replace the technology equipment services. At present, the payment industry is facing a severe challenge, which is the "cost" consideration. Therefore, in the face of new technological innovations, even if it impacts this industry, in order to have better competitiveness, it must still progress. In addition to the financial industry, such a convenient keyless signature certification is required in the telecommunications, aviation, financial, and insurance industries. Even in the foreseeable future, the blockchain will be able to create national or terrestrial applications, so in the near future, whether it is a payment system or other applications, we will change our lives under the technological breakthrough of blockchain.