A Study of Taiwan’s Banking Industry in Expanding Third Party Payment Market and Increasing Profitability - First Bank Company

• Main Authors: CHIA-CHUN, CHU, 朱家春
• Other Authors: 胡哲生
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/x6n6du

碩士 === 輔仁大學 === 國際創業與經營管理學程碩士在職專班 === 103 === Process business transactions, cash flow service plays a very important role, and the development of e-commerce today from Online to O2O (Online To Offline) era, through a combination of Internet stores and physical stores, plus online and offline transactions integration of trading, people in the store and physical store shopping network, for the use of payment instruments and in the past has been a very big change, because the demands of safer, more convenient, faster, more and more media we used to trade pluralism, and from the previous cash payments, credit card payments, ATM transfer, collection and payment convenience stores, home delivery of the collection and payment to the current Debit Card payment, and the development of the third-party payment service. In recent years because of e-commerce related businesses, such as: PChome, after another third-party payment for the release of many topics view through the news media, but also for the "electronic payment institution regulations" by the entry into force of many of its ideas, let More operators and experts concerned about the development of e-commerce in Taiwan's third-party payment, have also made a number of views on third-party payments, though, Taiwan third-party payment market size and environmental services differ with the United States and China, But for the demand side of e-commerce and financial development in Taiwan, the safer and more convenient still the focus of development, and third-party payment service is combined with the security and convenience of cash flow mechanism in Taiwan permeable and integration and cross-border payment operations platform to expand the level of third-party payment application and market, so third-party payment services in Taiwan is still in its development necessary, the flow mechanism to bring innovation, and third-party payment is the future One of the main cash flow mechanism, therefore, the question of third-party payment is also more valuable research on. In this study document, interviews and experience (from direct observation) as sources of information in order to perform case studies, research results can be summed up the following three conclusions: I. On Taiwan's banking and non-banking sector, the value of simple trading price of gold kept third-party payment industry is not the only offer, nor the main source of profit; buyers and sellers pay a third party in the real-name authentication On the platform, its record buyers and sellers trading also be used as reference for future credit score, the bank can take if the original good banking lending business will be combined with more potential to expand the loan market. II. Under Taiwan's third-party payment by special law, banking and services to business cash flow will encounter more competition and challenge non-bankers to explore the domestic and international industry practice of third-party payment to First Bank Case through the collection, research process, from making recommendations for improvement. III. Banking better use of existing corporate and personal customer contacts, understand their needs and provide value-added services and banking and third party payment platform to make the link, the original customer can become a third-party payment platform to guide user will be able to create a synergistic effect, to meet customer needs while also bring more profits for the banks.