Mobile Payments–A Case Study of T Bank

• Main Authors: Lin, Szu-Han, 林思翰
• Other Authors: Yang, Chyan
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/67454235184099360749

碩士 === 國立交通大學 === 管理學院經營管理學程 === 104 === With the advent of global digital financial services, the Financial Supervisory Commission (FSC) actively builds the digital financial environment (Bank 3.0) with an aim to internationalize, digitize and mobilize the financial industry in Taiwan. As a result, the year 2015 has been deemed as the starting year of mobile payment era. Payment is originally the core business of banks, and mobile payment is the only way for banks to develop Bank 3.0. Nevertheless, other types of businesses such as telecommunication, gaming business, E-commerce business and social media business attempt the competition and sharing of this market. Since the modes, mechanisms and technologies are not standardized, the difficulties and challenges throughout development, and the ways to handle problems of the bank can be the major issues, thus motivating our study. With literature review and in-depth dialogues to capture the trend and strategy of banks’ mobile payment, problems and challenges faced in the mobile payment development, future plans for the bank. Our findings of Bank T case study has the following findings: I. To construct digital payment ecosystem, effective business model focuses on the interaction between users from each side of the platform. II. To emphasis on nurturing and development of digital finance talents. III.To set up dedicated departments and Chief Customer Officer (COO) to enhance customer-centricity in service experiences. IV. To extend existing resources and develop new financial technology. V. To accelerate strategic planning and build up digital channels for finance services.