金控銀行業發展第三方支付平台之可行性分析

Abstract

觀察台灣金融機構在傳統網路銀行領域的發展在結合智慧型手機的APP行動網之後，已然到達成熟的階段，隨著資訊科技的進步，顯然金融業發展的主要結構及價值已不僅僅是在分行實體通路等營業據點提供金融服務；而第三方支付平台在所能提供服務的背後，已然聚集了大量用戶資金與電子貨幣，可想見的是行動銀行未來將會成為大多數銀行客戶的首要通路。 本篇論文主要係以SWOT質性分析結合個案探討的研究方法，提出金控銀行服務業發展第三方支付服務功能可能帶來的業務範疇擴增與成長及收益綜效之實現。 第三方支付服務對國內金控銀行業者而言是商機，也是挑戰。第三方支付服務以擔保交易的性質為基礎，再加上國內消費者對其的信賴，必定能夠擴展現有的服務行銷，以金控的身分提供第三方支付服務平台達成買賣雙方媒合的效果，拓展現有的消費服務內容。本文認為：第三方支付平台不應僅只於結合發展電子化的第一步，而必須持續不斷努力創新金融服務。

Information technology has changed over decades and penetrated into many kinds of services, including the banking services. The main structure and value of financial industries are not only in providing services in the physical branches but also for various internet-related financial service provisions. When the third party payment platform services are applied, we expect that the mobile banking service will change the consumer’s behavior and banking operation with high-efficiency businesses. This thesis is analyzed based on the combining SWOT analysis and cases study to research on the idea for the financial holding companies and banking service industries to establish the functions of third party payment platform and bring about the synergy of expanding financial business areas and realizing the value for the customers. To provide the third party payment platform (TPPP) services are blue ocean businesses strategy. And, the services must be based on the very nature of secured transactions and thus entrusted by the consumers in continuing their choices of the domestic financial institutions to provide the service. Therefore, the third party payment platform services must establish the matching mechanism to make the efficient operation scope and expand the existing services for higher value-creation.