Exploring the influencing factors on third party payment adoption：An example of online retailing in Taiwan

• Main Authors: TUNG,CHUN-HAO, 董濬豪
• Other Authors: WANG,YU-KAI
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/33759151216341395541

碩士 === 東吳大學 === 企業管理學系 === 105 === Due to the introduction of financial technology in recent years, many well-known financial service companies adopt third-party payment market actively. In Taiwan, it is believed that third party payment, derived from the payment method, can solve the double problem of contract cannot perform at the same time and lack of trust. Third party payment provider involves in the transaction process of e-commerce transactions, but it does not belong to the buyers or sellers, it aims to increase the trust between buyers and sellers. As intermediaries, provide financial flow pipeline and ensure buyers and sellers safety. Using the third-party payment is a complicated decision for the enterprise because there are many factors must be considered. Based on the theory and the related academic research literature, this study explores the factors that affect the adoption of the third-party payment system in online retailing. The empirical results show that the degree of competition in the market price, the size of the firm, the ability of operating system, the relative benefits and the profession of the third-party payment provider will significantly affect the adoption factors of the third-party payment. The results of this study verify that most of the factors are related to the benefits by the firms, whether it is the market price competition, the relative benefit, the professional ability of the third-party payment provider, etc. All of them are hoping to be able to respond quickly to the market changes, so in the future, when the payment industry enters the third-party payment system for the enterprise, the benefit of the enterprise can be given priority. In this study, the third-party payment system provider's professional competence is most strongly influenced by the adoption, which suggests that if the ability of the third-party payment industry can be enhanced, the adoption rate can be effectively affected. The results can be provided for future reference to third parties to be paid by retailers or third-party payers as well as for subsequent research.