| Summary: | 碩士 === 銘傳大學 === 企業管理學系碩士在職專班 === 104 === Past studies on third-party payment services mainly discuss foreign third-party payment service providers or to their e-commerce and foreign third-party payment service for comparison, Taiwan''s banking sector is currently less direct discussion of the mode of operation of the third-party payment , so this article will focus on domestic banks currently planning a third-party payment business mode of operation, the Taiwan forward the more well-known third-party payments business operations on the way S Bank and E bank angle of the business model to do the analysis and discussion, and through interviews with bankers and consumers, collate and analyze domestic banks take forward the recommendations of the third-party payment service.
In this study, after the payment of third-party business model consisting of discussion and interviews with bankers and consumers of aggregated elements, it found that local banks build their own Internet mall higher cost and reliability of new consumer Internet Mall of not high, low overall operational efficiency, should take the value of E Bank advocates a "strategic alliance in the market cash flow" more favorable for banks; while domestic consumers in the most well-known internet store transactions not in safety as a priority consideration, so on ATM debit transactions and credit card payments are still based, third-party payment business transaction process can be more complicated, the process should be simplified, cross-platform collaboration and diversified payment instruments to enhance consumer usage, thereby enabling bankers Get more business and fee income.
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