| Summary: | 碩士 === 東吳大學 === 法律學系 === 105 === When the new financial technology rises, it will be the formation of a new economic model. The example of mobile payment is a new payment method, allowing consumers to use their smartphones to make payments besides paying with cash, check, or credit cards. Certainly it will have impact on the banking industry, and it will also make the furture mobile payment services more and more convenient; therefore , it will gradually go into the cashless consumption trend.The aim of this thesis is to explore the impact of mobile payment services on the banking sector in order to ensure effective and appropriate internal control system and to operate the future operations to pay for services. The study method is to clarify the definition of mobile payment, and then to explore the difference between the new payment tools, from the credit card, electronic stored value cards to the process of the electronic payment changes, to view the mobile payment service related rules, and in accordance with international trends, the establishment of risk management mechanism.In conclusion, financial and technological innovation should be guided by the technology industry, but the technology industry is sometimes no banking professional background, and hence not familiar with financial laws and regulations. It is often in the business-oriented premise; or because to assess the risk management and decree to follow the experience is less , it has to walk in the gray area and to circumvent the decree.This research hopes to use the financial industry risk monitoring, so that the financial industry will become a financial technology base, as well as the timely assistance to the strategic development of financial services industry, and finally to build the future competitiveness of Taiwan's financial environment.
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