行動支付普及率探討

Abstract

中文摘要

在這科技化的時代，手機是人人不可或缺的物品，出門在外，一定隨處可見人手一機，故行動支付的概念漸漸出現在世人眼中。藉由電子錢包的概念，消費時透過移動裝置便利的完成交易過程，不但可以降低消費糾紛，也可以減少地下經濟，政府有更多稅收來源。 但在其背後也有弊端，在科技方便的另一面是個資的安全，這樣的隱憂使的台灣的行動支付使用率異常的低，民眾大都不信任這樣的交易方式，加上政府法令對此方面並無嚴謹的法令可管，種種原因影響了行動支付在台使用率。 故在本文中，我們將進行此議題的探討，朝銀行端及政府方面討論，針對不同案例分析。從銀行端的例子來看：中信銀，從投入行動支付發展後，它的獲利能力明顯增加了許多。而從政府端來看，我們做了個假設，要是台灣政府從十年前就開始推廣行動支付，我們發現從地下經濟收回的稅額，不但能彌補稅式支出的花費，還能為政府帶來額外收入，因此提高行動支付不但能解決地下經濟也能為政府擴充財源。能積極投入行動支付去發展銀行本身的獲利台灣的財政收入都將會有正面的影響。

Abstract

In this era of technology, the mobile phone is an indispensable item for everyone. While away from home, the mobile phone must be seen everywhere. Therefore, the concept of mobile payment gradually appears in the eyes of the world. By means of the concept of e-wallet, the convenient completion of the transaction process through the use of mobile devices during consumption can not only reduce the consumption disputes, but also reduce the underground economy and the government has more sources of revenue. However, there are also drawbacks behind it. On the other hand, science and technology are convenient. Therefore, such worries make the unusually low utilization rate of payment for Taiwan's operations. Most people do not trust such transactions. In addition, the government decrees in this respect No strict laws and regulations can be managed, a variety of reasons have affected the action to pay in Taiwan usage. Therefore, in this article, we will conduct discussion on this issue and discuss it with the banks and the government. We will analyze different case studies. From the example of the bank side: CITIC Bank, from the investment in the development of payments, its profitability has increased significantly. From the government's point of view, we made the assumption that if the Taiwan government started promoting mobile payment ten years ago, we found that the amount of tax recovered from the underground economy could not only make up for tax expenditures but also bring about government subsidies Extra income, so raising mobile payments can not only solve the underground economy but also increase the government's financial resources. The positive impact can be positively exerted by being able to actively invest in the development of the bank's own profit-making revenue in Taiwan.