| Summary: | 碩士 === 世新大學 === 財務金融學研究所(含碩專班) === 105 === Due to the innovation and continual progresses of the technology, current businesses in traditional banks will gradually be replaced by automated equipments or financial technologies in the foreseeable future. Counter and handle the businessare those which have instant impact, espically those financial technologies such as deposit, withdrawal, exchange, etc. relative businesses that can be substituted.
In the wave of digital financial technologies, traditional banks are now facing challenges and crises that have never met before. However, a crisis is a chance. In spite of impacting the banking, digital financial technologies also gave banking new opportunities to develop, giving them a chance to check the whole operation process. So that we can change or revise some operation process that are inappropriate, and also think about how to develop new business opportunities.
Formerly, the financial services in Taiwan’s e-commerce, payment tools that customers can choose are mostly limited to which banks have provided. However, with the growing daily needs in the global village, people shops no longer only in domestic stores, thus, the need of transnational remittance increase steadily. Also, with electronic communication technologies improve day by day that significantly decrease the risk of letting out personal information and data about payment tools, the e-commerce market conquer the limitation of the original economic scale. Besides, those e-commerce business people are seeking for other alternative plans aggressively, in order todecrease the cost which are given by the financial institutions for the using of money flow, improve their own competitiveness, and contribute to a flourishing third-party payment industry.
In view of this, this research will do the comparison to the situation of development and limitation of relative laws about the third-party payment. Wishing to find out the bottleneck and the future prospect of the development for the domestic third-party payment. Helping domestic bankingstodo respond effectively while the wave of digital financial technologies come, so that banking can provide a safe and convenient third-party payment platform for consumers.
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