| 摘要: | 隨著科技進步、網路使用普及化，加速了電子商務發展的潛力與優勢。現在越來越多人使用網路平台交易，買家與賣家利用網路的便利性進行買賣交易，但隨之而來的詐騙問題也層出不窮。買家擔心付了錢收不到貨，賣家也擔心出了貨卻收不到錢，網路交易沒有建立信任關係，因而造就了第三方支付平台。
第三方支付平台解決了買賣雙方信任的問題，買方購買產品後，先將貨款付給第三方支付平台，第三方支付平台收了貨款通知賣方出貨，買方確認購買貨品無誤後通知第三方支付平台，第三方支付平台再將貨款給賣方，保障買賣雙方的交易完成。
台灣早期並沒有合法的第三方支付平台，隨著網路的蓬勃發展，網路業者積極推動第三方支付平台的建置。2014 年台灣正式啟動第三方支付機構平台， 2015年立法通過《電子支付機構管理條例》，有數十家銀行加入第三方支付的市場，銀行扮演重要的金流地位。
本研究探討第三方支付平台與銀行間的競合關係，銀行業如何在快速發展的電子商務中開創新的商業模式。伴隨銀行Bank 3.0的金融數位發展，銀行業已加速結合電子商務，在全球電子化商務市場的激烈競爭下，銀行業可藉由網路、社群媒體、行動支付等擴展銀行業的另一片藍海。
銀行業本質仍為金流的服務管理，基於沒有多年的網際網路實戰經驗，較難發展出突破式創新的服務模式。銀行業應提供更穩健有創意的金流服務，支持第三方支付業務的發展並與第三方支付平台共同合作，創造良好、安全、便利的支付環境。金融機構自行兼營第三方支付業務，需要增加更多的成本與人力進行平台的管理措施。而目前台灣支付環境已經非常便利，銀行運用數位金融服務，即使不兼營第三方支付服務平台，也能找尋另一個商機。
;Along with technology shift and common usage of internet, the development of electronic commerce is accelerated. Nowadays, more and more people transaction through the convenient internet platform. However, the following internet frauds emerge one after another. Without mutual trust, buyers worry about paying the bill without receiving items and meanwhile sellers worry about shipping the items without receiving the payments, which raises the third-party payment platforms.
The third-party payment platforms solve the distrustful problems between buyers and sellers. First of all, buyers purchase items and pay to the third-party payment platforms. Then, after the third-party payment platforms confirm the payments, they notify sellers to ship items. Finally, after buyers confirm that their items are correct, they notify the third-party payment platforms to give payments to sellers and finish the transactions.
There were no legal third-party payment platforms early in Taiwan. With the development of internet, dealers positively promote the establishment of third-party payment platforms. Last year (2014), the third-party payment platforms formally activated. In this year, “The electronic payment institution regulations” was legislated and dozens of banks joined the third-party payment markets, playing a key role of cash flows.
This paper studies the co-opetition relationship between third-party payment platforms and banks. How do banks create a new business model among the rapidly developing electronic commerce? Banks have linked electronic commerce along with the Bank 3.0 financial digitization. Facing with the keen competition of the worldwide commercial digitization, banks in Taiwan are able to expand the market through internet, social media, mobile payment…etc.
To sum up, banking was mainly focusing on management of cash flow. As a novice in the internet market, there is a certain degree of difficulty to make a disruptive innovation of service model. If banks do the third-party payments on their own, more costs of human resource and management of platform are predictable. As a result, banks should provide more stable and innovative cash-flow services and cooperate with the third-party payment platforms to support the third-party payment and creative a friendly, safer, and more convenient transaction environment. The present payment environment in Taiwan is very convenient. Even though banks do not operate the third-party payment by themselves, they can still find their way out by financial service digitization. |
