| Summary: | 碩士 === 輔仁大學 === 科技管理學程碩士在職專班 === 106 === People's behavior and consumption patterns are changing day by day. The currency payment habits traditionally used in commercial transactions have undergone a breakthrough in new forms. In recent years, the rise of third-party payment and virtual currency has been increasing. Consumers and Merchants in more and more countries are gradually accepting new forms of payment. Decentralized crypto-virtual currencies are generated. Block-chain technologies increase the security of virtual currencies. The scope of their payments is globalized and their payments are faster than the banking system and transactions cheaper fees, but also to protect the privacy features （anonymity）. People do not need to rely on bank cross-border payment can be completed. The bank's functionality has been greatly reduced the corner. When it comes to third-party payment platform, Taiwan's laws and regulations are strict and technology is also slow, while the development of third-party payment in China in recent years Alipay, WeChat payment…etc., have mushroomed into lush bamboo forest. In addition to the general trading function, people just slippery phone will be able to deposit the original electronic wallet within the wealth management transactions. Through the analysis of big data, people do not need to go to the bank. After applying for a small-credit loan, on-line shoppers can obtain financing loans without going through banks. The bank's functionality has been greatly shaved off. So is the trend in China so developing. Will Taiwan face the same problems in the future? Coupled with the proposal of a five-year double-digitization plan implemented by the FSC in December 2015, what is left of the banking industry after a few years? Because this phenomenon is observed, it is hoped that through the research and analysis of this paper, we will explore the impact of virtual currency and third-party payment on future banking business.
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