A Study on The Future Development of Mobile Payment By Cellphone Credit Card

• Main Authors: Chou-yi Pan, 潘疇亦
• Other Authors: Chin-ming Chen
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/09667819890725298333

碩士 === 國立高雄第一科技大學 === 金融研究所 === 102 === With the growing popularity of mobile communication products, smart phones have become a necessity in our daily life. Coupled with the rapid advancement of wireless technology, payment applications is gaining popularity with the consumers and has become a viable option. Domestic mobile payments in the past was limited by factors in regulations, security authorization and user behaviors. Most of the payment applications are only small -scale and have not acquived the full commercial benefits . Only till 2013 when the Financial Supervisory Commission loosened the regulations, it opened the first gate to mobile payment .Subsequently opening up to the global market by establishing the TSM platform which provided multiple authentication and OTA technology, attracting various NFC solutions. NOW is then the era for mobile payment. This research will first trace back the footprints on how mobile payment is developed to where it is today trying to understand its history and how it has been established globally. We will then compare the methods with our top 5 local mobile payment applications to analyze on the pros &; cons. With this research, we hope to achieve a better model to benefit the consumer, retailers as well as the banking agent and to make the future SMART &; EASY.