| Summary: | 碩士 === 逢甲大學 === 經營管理碩士在職學位學程 === 106 === With the advent of Bank 3.0 and innovation of payment technology. In 2015, E-payment bill was put into force. Financial Supervisory Commission R.O.C. (Taiwan) expects the utilization rate of E-payment could from 26% increase to 52% in five years (2015-2025). On November 24, 2017, the premier of Taiwan has set a target to achieve 90% and hope it will be the first step which help Taiwan to become a smart technology country. Though it’s been the third year, but due to the size of Taiwan is not large and its culture and law, bankers thought it’s not a piece of cake.
FinTech is financial industry combined technology and also technology industry combine financial.In the digital age of finance, gradually Cash pay is placed with E-payment. This is a disruptive innovation for finance industry. Financial services which were combined with internet and mobile technology, such as Third-Party payment and E-payment are growing in the few years and become a new financial ecology. Although nature of this and traditional work is almost same, but it really pose a threat to traditional bank cause its convenitent.
The purpose of this study is to explore the current status, problems, and future trends of bank industry development action payments through PEST and Five Force Analysis under Taiwan's current mobile payment environment and service model. Based on analysis and analysis of the response/resilience of mobile payment development digital banking trends, the research conclusions are: to start from customer needs, adopt high-efficiency and low-cost operation, support digital finance through technology, and cooperate with Internet finance.
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