| 摘要: | 人類生活從以物易物、黃金、紙鈔、塑膠貨幣、虛擬貨幣、演進到使用自動化設備支付。西元1171年史上第一家私人銀行「威尼斯銀行」誕生，西元2010年起，智慧手機，平板電腦逐漸增加，行動通訊設備與人們的生活來越密切。
消費者的消費習慣產生全新的變化，行動支付正在快速取代原有的現金及刷卡支付方式。各種支付商家都希望能夠提供更為方便、快捷、人性化的使用體驗，幫助行動支付進入消費者各個生活領域中，讓移動支付成為消費者的首要選擇。
根據金管會統計資料，截至2016 年台灣行動支付占消費比重達 34%，但和鄰國相比仍偏低，南韓佔77%、香港佔65%、新加坡佔53%，要追趕上其他國家，政府及相關業者，都扮演了相當重要的角色。
這些新興的支付方式越來越創新及多元化，在2013年全球藉由行動裝置而完成的交易只有信用卡與現金卡交易的4%，但是美國過去五年的成長速度相當驚人，年複合成長率達118%。然而資訊安全威脅及各創新產業相互競爭的潮流下，使行動支付發展趨勢充滿競爭但值得期待，各相關產業，更要以多元策略來因應。;The payment system of human beings’ life is from barter, gold, paper money, plastic money, virtual currency, evolution to the use of automated equipment. The first private bank ‘Venetian Bank’ was born in the history of the West in 1171. Since 2010, smart phones and tablet computers have gradually increased, and the mobile communication devices are closer to people′s lives.
Consumers’ spending habits have created new changes, and mobile payments are rapidly replacing existing cash and credit card payment methods. All kinds of payment merchants hope to provide more convenient, faster and more user-friendly experience, help mobile payment to enter every consumer life field, and make mobile payment the first choice for consumers.
According to the statistics of the Financial Supervisory Commission of Taiwan, as of 2016, mobile payments in Taiwan accounted for 34% of the total consumption, which remained relatively low compared with its neighboring countries. South Korea accounted for 77%, Hong Kong accounted for 65%, and Singapore accounted for 53%. To catch up with other countries, the government and related businesses all play a very important role.
These emerging payment methods have become more innovative and diversified. In 2013, the global mobile device transactions only accounted for 4% of the credit card and cash card transactions. However, the United States has grown at an alarming rate over the past five years, with a compound growth rate 118%. However, under the threat of information security and the trend of competition among various innovative industries, the development trend of mobile payment is competitive butand worth of expecting. All related industries, also have to respond by multiple strategies. |
