| Summary: | 碩士 === 國立臺灣大學 === 財務金融組 === 103 === With the rapid development of e-commerce and mobile devices, the Internet has become a consumer trend of consumption. However, in the process of online transactions is unlike entity transactions that is immediate and secure. Due to the uncertainty of online transactions is still high, so the construction of a secure network environment, providing both security and convenience of a payment service that consumers expect, but also welcomed by businesses. Therefore, the third-party payment service is developing gradually. Because third-party payment services related to financial regulation, consumer protection and information security and many other issues, so Europe and China and other countries are developing a third-party payment services for the relevant laws and regulations. In response to industry and consumer demand, Taiwan executive branch proposed Electronic Payment Institutions Bill in September 2014 that will open the third party payment to operate collection and payment, store value and exchange services.
The research will explore the reasons for Alipay successful development by qualitative case study and understand Allpay, PChome and Esunbank in Taiwan through the cases contents. In addition, the research will investigate the environmental, regulatory and business model’s difference between Taiwan and China through business ecosystem . Finally, it will integrate China and Taiwan online payment status and trends and offers some practical suggestions and competitive strategies for Taiwan government and the third party payment in the future from Allpay successful business ecosystem experience.
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