| Summary: | 碩士 === 崑山科技大學 === 資訊管理研究所 === 107 === In 2012, Brett King, known as the “Father of Financial Innovation”, launched the book “Bank 3.0” with the slogan on the cover of the book “Banking Is No Longer Somewhere You Go, But Something You Do”. It gave a shock to the global banking industry and led the world's innovations in Fintech, by changing the consumer's consumption behavior. Recently Fintech's continuous innovation and development led to many different payment models, and mobile payment, on the contrary consumers traded through cash in the past. The technology and model are even more influential, changing the matter of consumer behavior for trading, affecting the way consumer’s payment, and the daily life of consumers. This study focuses on comprehending the impact of consumer behaviors on consumer trading through insight into the action payment model in Fintech, to analyze the changes in consumer payment behavior thru use of Fintech-based products and proposes the recommendations in development strategy direction for corporate using Fintech in the future.
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