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Title:	COCONUT 創新專案 – 以網路交易為基礎的金融創新專案 COCONUT INNOVATION- FINANCIAL INNOVATION BASED ON THE CASH TRANSACTIONS
Authors:	Volha Hutsava Volha Hutsava
Contributors:	許牧彥 Volha Hutsava Volha Hutsava
Keywords:	Cash-based transactions Payment method Alternatives Financial innovation Instant payment Self-service terminal
Date:	2012
Issue Date:	2013-07-11 16:30:07 (UTC+8)
Abstract:	The thesis is aimed to propose a financial innovation called COCONUT payment system. This innovative payment system is based on a combination of the cash and electronic money, presented as an ATM-like machine for purchase and payment execution, and operated via an electronic account, which allows its users to operate as a credit cards owner. This study commences with a review of the current major payment systems in the United States, followed by an analysis of the strength and weakness of these systems, and then proposes a payment system that combines the most popular two: cash and credit card with a healthier mechanism on financial control to both avoid the recurrence of financial crisis caused by credit crush and keep the current benefits. The COCOCNUT system can be applied not onbly to the market of the USA, but BRIC, developing and under seveloped countries’ market, those regions where cash remains the major payment way. As for the feasibility and the probability of promoting and applying this new system to replace the current systems or to implement in the new markets, the proposed COCONUT payment system, takes into consideration the differences of markets and regional regulations. The COCONUT project also provides trial calculations of its value proposition from the perspective of the project realization. FIGURE OF CONTENTS 4 TABLE OF CONTENTS 5 Chapter 1 INTRODUCTION (簡介) 6 1.1 Background and Motivations 6 1.2 Goals and Questions 6 1.3 Method and Procedure 8 Chapter 2 MARKET DEMAND ANALYSIS (市場需求分析) 10 2.1 Consumption Trends of Population (消費人口的生活趨勢) 10 2.2 Analysis of Unsatisfied Needs of Users (未被滿足的使用者需求分析) 13 2.3 Demand Analysis of Objective Market (目標市場需求顧客分析) 16 Chapter 3 INNOVATION PROPOSAL (創新提案) 26 3.1 Innovation Concept and Development (產品或服務的構想及發展過程) 26 3.2 Innovation Content and Functions (產品或服務的內容及功能說明) 32 3.3 Innovation Complementary Assets (產品或服務配套的設備或服務) 37 3.4 SWOT Analysis （SWOT 分析） 42 Chapter 4 INDUSTRIAL COMPETITION ANALYSIS (產業競爭分析) 44 4.1 Competitors Analysis (競爭者分析) 44 4.2 Complementarity of the Payment Choices for Different Market Segments (針對不同市場區隔下支付選項的互補性) 51 4.3 Supplier Analysis (供應商分析) 54 Chapter 5 STAKEHOLDERS ANALYSIS (利害關係人分析) 57 5.1 Cooperation Network and Strategic Alliance (合作網絡與策略聯盟) 57 5.2 Fundamental Costumers/ Key customers (基礎顧客) 61 Chapter 6 INTELLECTUAL PROPERTIES AND RESOURCES (智慧財產與資源) 69 6.1 Commercial Law adaptation to an Electronic Payment System (因應電子付款系統所導致之商業法規修訂) 70 6.2 Contracts and Commitments (合作契約與承諾) 72 6.3 Certificates and Permits (證照與許可) 73 6.4 Existing and Further Regulations (現行和未來法規趨勢) 77 6.5 Patent Analysis (專利分析) 80 6.6 Trademark Analysis (商標分析) 86 Chapter 7 BUSINESS STRATEGY AND FINANCIAL ANALYSIS (商業策略 & 財務分析) 98 7.1 Business Start-Up (創業模式) 98 7.2 Value Capture Strategy (獲利策略) 100 7.3 Cost and Benefit Analysis (本益分析) 101 Chapter 8 CONCLUSION (結論) 104 REFERENCES (書目) 106 APPENDIX (附錄) 112
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Description:	碩士國立政治大學科技管理研究所 98359038 101
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0983590382
Data Type:	thesis
Appears in Collections:	[Graduate Institute of Technology and Innovation Management] Theses

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