DSpace CRIS
Taiwan’s third-party payment platforms blossomed in order to support e-commerce. Taiwan e-commerce industry has mature IT infrastructure, but they still advance slowly because of the strict statutory regulations, which coincides with the development of e-commerce. Statutory restrictions have gone loosed in recent year. However, the restrictions in Taiwan are still more rigorous than Mainland China, a much bigger economy than Taiwan. And people are accustomed to managing payments by using other methods except 全台第三方支付網 for using third-party payment platforms. Third-party payment is used only for online shopping, 全台第三方支付網 and its varieties of service are limited. That is why it is not widespread in Taiwan. Most people manage cash flows through banks rather than third-party payment platforms. Market segmentation exists between third-party payment platforms and banks. Both have their own superiority and provide different services. Third-party payment has strict impact on financial system in Mainland China, but the situation is not so in Taiwan. Compared to the third-party payment in Mainland China, the feature in Taiwan is not distinct. There are many differences between two countries including company scale, market scope , varieties of service, regulations and consumer habits. The third-party payment platforms can cope with the obstacles from the suggestions below. At first, to establish differential operational management in competitive markets. We use big data analysis to search new commercial opportunities. Secondly, develop the mobile payment services and cooperate with other industries such as international credit card processing companies, telecommunication companies, financial institutions and mobile manufactures. Thirdly, 全台第三方支付網 negotiate with government and strive for less statutory regulations. It makes the varieties of service more abundant and more attractive. Fourthly, cooperate with industries in other countries and connect cross-border e-commerce. Finally, form an alliance with different industries so as to generate vertical integration. It not 全台第三方支付網 全台第三方支付網 only helps to provide better services, but also reduces the cost of production. Besides giving suggestions for third-party payment platforms, we have some advices to the government. First 全台第三方支付網 of all, government must establish an active e-commerce environment, which guarantees fair competition for e-payment and does not benefit specific industries. Formulate appropriate and gradual restrictions. Do not influence financial stability and not limit the development of third-party payment in the same time. Finally, helps to negotiate with Chinese government to remove unfair e-commerce regulations.
二、什麼是第三方支付？
第三方支付保障了買家與賣家之間交易的安全性，買家購物金會先由第三方支付公司暫時保管，等到確認收到貨品後，再由第三方支付單位將錢給付賣家，這個「代收」再「代付」的動作，就是第三方支付，目前是由經濟部監管， Paypal 可說是規模最大的第三方支付代表，其實 LinePay 、 Pi 拍錢包、OPEN 錢包、全家的 Fami Pay 、全聯 PX Pay 、新光三越 skm pay… 等，皆屬於第三方支付服務，也算是行動支付的一種。
三、什麼是電子支付？
電子支付同樣屬於行動支付，但功能更多、安全性更高，電子支付不僅具有第三方支付的代收、代付外，最大特色是可用來「轉帳」、「儲值」、「提領」。只要綁定配合銀行的存款帳戶，都可進行「轉帳」、「儲值」、「提領」的服務。電子支付業者須向金管會申請，經核准後才能開辦，目前除了 20 家金融機構的兼營外，還包括街口支付、一卡通 Money 、悠遊付、 icash pay 、全盈 +PAY 、橘子支付、 Pi 拍錢包、歐付寶、簡單付等 9 家專營業者。註冊時相對繁瑣，須經身分認證等實名制程序，或是規定須綁定銀行帳號等。
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全台第三方支付網
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第三方支付─提升網路交易便利性，買賣雙方更有保障
第三方支付 (Third-Party Payment) 亦可稱為「網路代收代付服務」，是提供一個第三方的中介平台，以支援網路交易的買賣雙方，有方便和安全的付款方式，相當於電子商務的「履約保證」。目前在國際上最具規模且知名的第三方支付平台，即是PayPal和使用於淘寶網的支付寶。