Loading...
|
Please use this identifier to cite or link to this item:
https://nccur.lib.nccu.edu.tw/handle/140.119/131139
|
| Title: | 地方政府推行公共費用電子化支付的策略
A study of local governments’ strategies of adopting public e-payment |
| Authors: | 陳順穆
Chen, Shun-Mu |
| Contributors: | 朱斌妤
Chu, Pin-Yu
陳順穆
Chen, Shun-Mu |
| Keywords: | 電子化支付
公共費用代收
政策擴散
策略聯盟
品牌忠誠度
E-Payment
Collection service of public payment
Policy diffusion
Strategic alliance
Brand royalty |
| Date: | 2020 |
| Issue Date: | 2020-08-03 18:03:21 (UTC+8) |
| Abstract: | 資通訊科技的蓬勃發展，引發電子化支付的國際潮流，從民生的剛性需求發展出這種便利性高，且不受地域限制的新興支付方式。在臺灣，政府也將電子化支付比率的提升視為重要發展的政策。在過去的相關研究當中，電子化支付側重於商業研究，舉凡對於新興科技的系統、平台、應用程式的科技接受程度。然而，本研究著重於地方政府將公共費用導入電子化支付，提供民眾更為多元的繳費管道，對於地方政府、電子化支付業者、銀行業者與民眾等各方利害關係人的策略。
本研究以質性訪談的方式，整理出地方政府與業者電子化支付代繳公共費用的實質誘因、實務困難與策略。研究發現業者代收公共費用的手續費用只能視為預期的利益，但實質上，並不被業者視為主要的營利來源；地方政府會受到國家政策的規範、其他縣市發展智慧城市的壓力與民眾給予的壓力所影響，進而採用電子化支付代收公共費用的政策；電子化支付業者提供誘因，吸引民眾使用特定電子化支付工具，讓民眾產生對特定支付工具品牌的功能產生黏著，進而產生品牌忠誠度；電子化支付業者與銀行業者因為市場競爭的關係，紛紛與同業、異業結盟，創造最大的利益。
本研究建議未來地方政府電子化支付代繳公共費用的政策，能朝向平台式、全國式的方向發展，透過繳費流程改造與統一格式與系統化對帳，降低行政繁冗，並且加強地方政府的角色，多與業者共同推出誘因，吸引更多民眾的使用，讓雙方的效益能夠互利共生，也使得電子化支付代繳公共費用的政策能夠持續推廣。
The rapid innovations of Information and Communication Technologies (ICTs) lead to the emergence of e-payment which is convenient and not specially limited way of paying boosted by rigid demand of democracy. In Taiwan, the government has seen the development of e-payment ratio as a major policy. Previous researches concerning e-payment focused on its commercial aspects, such as the acceptance of innovative technology’s system, platform, or application. The present research will turn to explore how different players, such as local government, e-payment practitioners, banks, citizens and different stakeholders, adopting e-payment in the context of public payments.
Using in-depth interview, the present research concludes that the local government and practitioners have some incentives, difficulties and strategies when they introduce e-payment to the public payments. Practitioners (both e-payment practitioners and banks) who provide collection services actually do not see handling fees as the major source of profit but as imaginary profit. Local government may be restricted to national policy, peer pressure comes from other local government’s smart city policy and expectation of citizens and in turn implements e-payment. E-payment practitioners launch appeals to citizens in order to create their stickiness to specific payment service and brand royalty. Due to market competition, e-payment practitioners and banks begin to unite with the same industry or other industries to create synergy and maximize profit.
The present research suggests that local government should turn to create a convergent platform in a national level when conceives the e-payment policy of public payment. The local government should utilize the transformation and standardization of payment process and systemized accounting to cut tedious administrative work. In this way, e-payment policy can on the one hand strengthens and fulfills local government’s duty, and on the other hand, profit private practitioners and provide citizens convenient services. |
| Reference: | 7-11繳費便（2020）。繳費便，2020/04/02，取自：https://www.7-11.com.tw/service/monthly.aspx。
Babbie, E.（2016）。社會科學研究方法（14版）。林秀雲（譯）。台北市：雙葉書廊。434-481。
e-Bill全國繳費網（2020）繳費項目。檢索日期：2020/04/02，取自：https://ebill.ba.org.tw/。
Google Play（2020）。Pay.Taipei，2020/04/06，取自：https://play.google.com/store/apps/details?id=com.tpepay。
Line Pay Money（2020）。儲值、拆帳、繳費等一指完成，2020/03/29，取自：https://www.i-pass.com.tw/Page/AboutAccount。
Pi拍錢包（2020）。路邊停車費隨查即繳、行動繳費，手機繳更輕鬆，2020/04/06，取自：https://www.piapp.com.tw/personal。
中國時報（2019）。立院評估：電子支付計畫恐難達標。中國時報， 2020/02/28，取自：https://www.chinatimes.com/realtimenews/20191016002780-260407?chdtv。
中華民國銀行商業同業公會全國聯合會（2020）。電子支付業務員會指掌，2020/03/29，取自：https://www.ba.org.tw/AboutUnion/CommitteeIntroduction?roleid=c4f49930-a04d-44d2-b37d-69b5cfafab75。
支付寶（2020）。企業簡介：螞蟻金服旗下的支付寶，2020/03/22，取自：https://ab.alipay.com/。
王怡涵（2017）。行動支付的近期發展與監管議題。中央銀行出國報告。1-40。
台新國際商業銀行（2020）。街口聯名卡特色，2020/03/24，取自：https://www.taishinbank.com.tw/TSB/personal/credit/intro/overview/cg038/card001/index.html。
司徒達賢。（1996）。《中小企業之策略聯盟》。經濟情勢暨評論，2（3）1-7。
玉山銀行（2020）。代扣繳費用/繳費平台，2020/04/02，取自：https://www.esunbank.com.tw/bank/digital/online-service/payment。
立法院（2019）。金融監督管理基金及保險業務發展基金109年度預算評估報告，2020/02/28。https://www.ly.gov.tw/Pages/List.aspx?nodeid=33553。
全國法規資料庫（2018a）。電子支付機構管理條例，2020/02/05，取自：https://law.moj.gov.tw/LawClass/LawAll.aspx?pcode=G0380237。
全國法規資料庫（2018b）。電子票證發行管理條例，2020/02/05，取自： https://law.moj.gov.tw/LawClass/LawAll.aspx?pcode=G0380207。
李仲彬（2010）。影響全球電子治理發展的因素：以政策擴散理論爲基礎的分析。公共行政學報，(36)，39-89。
林詩遠（2018）。美國為什麼不用移動支付，大紀元，2020/04/05，取自：https://www.epochtimes.com/b5/18/3/3/n10188387.htm。
金融監督管理委員會（2020）。109年1月份信用卡、現金卡、電子票證及電子支付機構業務資訊，2020/03/28，取自：https://www.banking.gov.tw/ch/home.jsp?id=540&parentpath=0,524,539&mcustomize=multimessage_view.jsp&dataserno=202003050003&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News。
金融管理委員會（2018）。行動支付與電子化支付普及之關鍵。台灣經濟論壇，16（2），29-37。
威甫、李靜芠、黃心怡（2019）。銀行業務多角化之經營績效探討－台灣實證。商管科技季刊，20(1)，1-24。
科技報橘（2020）。「全國繳費網」爆無密碼驗證即可挪用他人存款，資安漏洞到底出在哪？科技報橘，2020/07/10，取自：https://buzzorange.com/techorange/2020/05/05/transfer-system-leak/
翁世吉、田育任（2014）。「行動商務」支付應用發展趨勢。財金資訊季刊，78，19-26。
財政部財政資訊中心（2020）。行動支付繳稅，2020/04/05，取自：https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/439/6003290591422741264。
高鉅科技股份有限公司（2017）。儲值支付的美麗與哀愁－各方逐漸鬆綁，儲值支付的機會何在，2020/02/18，取自：https://www.mypay.com.tw/main_article4.html。
陳光和（2017）。淺談行動支付-以臺北市政府智慧支付整合平臺（pay.taipei）為例。政府機關資訊通報，349。1-11。
智冠科技（2020）。公司簡介，2020/03/24，取自：http://www.soft-world.com/About。
植根法律網（2017）。信用卡收單機構簽訂「提供代收代付服務平台業者」為特約商店自律規範，2020/02/05，取自：http://www.rootlaw.com.tw/LawArticle.aspx?LawID=A040390040025600-1060512。
黃郁淳（2019）。推動行動支付結合雲端發票。政府機關資訊通報，360，1-6。
微信支付（2020）。行業解決方案，2020/03/22，取自：https://pay.weixin.qq.com/index.php/core/home/login?return_url=%2F。
經濟部商業司（2020）。全國第三方支付服務業(I301040)公司登記資料。檢索日期：2020/03/18，取自： https://data.gov.tw/dataset/22184。
彰化縣政府工務處（2020）。縣府與8家行動支付業者合作彰化縣路邊停車多元付費上線，2020/04/05，取自：http://publicworks.chcg.gov.tw/03bulletin/bulletin02_con.asp?bull_id=307728。
臺北市智慧支付平台（2020）。全面支援行動支付，提供多種繳費項目，一次串接快速付款，2020/02/28，取自：https://pay.taipei/v2/Index。
臺北市議會公報（2019）。交通部門質詢第10 組。臺北市議會公報，114 （3）709-739。
臺灣中油股份有限公司（2019）。中油Pay上線啟用加油支付新選擇，2020/03/24，取自：https://www.cpc.com.tw/News_Content.aspx?n=28&s=4504。
劉姵呈（2019）。金管會推電支電票合併新增小額匯兌等業務。中央社，2020/03/04，取自：https://www.cna.com.tw/news/afe/201907310084.aspx。
蔡福隆（2017）。電子支付帶動臺灣金融科技發展。國土及公共治理季刊，5（4），92-97。
衛生福利部中央健康保險署（2020）。保險費繳納方式-行動支付繳納健保費方式簡介，2020/04/05，取自：https://www.nhi.gov.tw/Content_List.aspx?n=24C42A2258693ABA&topn=5FE8C9FEAE863B46&upn=91C8E75A4B266931。
蕭佑和（2018）。台灣行動支付大亂鬥：這麼多種「Pay」，誰能成為最大贏家。科技報橘（大和有話說），2020/02/18，取自：https://buzzorange.com/techorange/2018/08/22/multi-pay-compare-in-taiwan/。
藍新科技（2020）。藍新科技大事記，2020/03/24，取自：https://www.neweb.com.tw/milestone。
Achord, S., J. Chan, I. Collier, S. Nardani, & S. Rochemont (2017). A cashless society-benefits, risks and issues (interim paper). Retrieved April 5, 2020, from https://www.researchgate.net/publication/338792439_A_Cashless_Society_Benefits_Risks_and_Issues_Interim_Paper.
Adharsh, R., J. Harikrishnan, P. Adarsh, & J. S. Venugopal (2018). Transformation towards e-wallet payment systems pertaining to Indian youth. International Journal of Pure and Applied Mathematics, 119(12), 2583-2594.
Ainsworth, A. B., I. Pentina, A. S. Mishra, & M. S. B. Mimoun (2020). Exploring factors influencing us millennial consumers’ use of tap-and-go payment technology, The International Review of Retail, Distribution and Consumer Research, 30(2), 143-163.
Ansoff, H. I. (1957). Strategies for diversification. Harvard Business Review, 35(5), 113-124.
Apanasevic, T., J. Markendahl, & N. Arvidsson (2016). Stakeholders’ expectations of mobile payment in retail: Lessons from Sweden. International Journal of Bank Marketing, 34(1), 37-61.
Ardiansah, M., A. Chariri, S. Rahardja, & U. Udin (2020). The effect of electronic payments security on e-commerce consumer perception: an extended model of technology acceptance. Management Science Letters, 10(7), 1473-1480.
Bajpai, N., J. Biberman, & J. Sachs (2018). Post-demonetization e-payment trends. Earth institute center for sustainable development, Columbia University. ICT India Working Paper #1.
Bank for International Settlements (2012). Innovations in retail payments: Fact-finding exercise. Innovations in Retail Payments, Committee on Payment and Settlement Systems.13-15.
Berry, F. S., & W. D. Berry (2007). Innovation and diffusion models in policy research. in P. A. Sabatier (Ed.), Theories of the Policy Process. 223-260.
Bpay (2020). Receiving payments with Bpay. Retrieved April 4, 2020, from https://bpay.com.au/business#pay-your-bills.
Brueckner, J. K. (2000). Welfare reform and the race to the bottom: theory and evidence, Southern Economic Journal, 66(3), 505-525.
Caddy, J., L. Delaney, C. Fisher, & C. Noone (2020). Consumer payment behaviour in australia. The Reserve Bank of Australia.9-19.
Datta, P. (2020). Digital transformation of the Italian public administration: A case study. Communications of the Association for Information Systems, 46, 253-268.
DiMaggio, P. J., & W. W. Powell. (1983). The iron cage revisited: institutionalism and collective rationality in organizational fields. American Sociological Review 48,147-160.
Dobbin, F., B. Simmons, & G. Garrett. (2007). The global diffusion of public polices: social construction, coercion, competition, or learning? Annual Review of Sociology, 33, 449-472.
Gray, V. (1973). Innovation in the states: A diffusion study. American Political Science Review, 67(4), 1174-1185.
Kuppuswamy, V., & B. Villalonga (2016). Does diversification create value in the presence of external financing constraints? Evidence from the 2007-2009 financial crisis. Management Science, 62(4), 905-923.
Lai, P. C. （2016）. Design and security impact on consumers’intention to use single platform e-payment. Interdisciplinary Information Sciences 22(1) 111-122.
Lai, P. C. （2018）. Single platform e-payment system consumers’intention to use. Journal of Information Technology Management Volume 29(2), 22-28.
M-Pesa (2020). What is M-Pesa? Retrieved March 22, 2020, from https://www.vodafone.com/what-we-do/services/m-pesa.
Newman, J. W., & R. A. Werbel (1973). Multivariate analysis of brand loyalty for major household appliances, Journal of Marketing Research, 10, 404–409.
Oliver, R. L. (1997). Complaint handling within the expectancy disconfirmation model. Satisfaction: A Behavioral Perspective on the Consumer. The McGraw-Hill Companies, Inc., New York. 392.
Oliver, R. L. (1999). Fundamental issues and directions for marketing: Whence consumer loyalty? Journal of Marketing, 63(4), 33-44.
PagoPA (2020). Pagamenti semplici e sicuri per la pubblica amministrazione. Retrieved March 8, 2020, from https://www.pagopa.gov.it/it/dove-pagare/.
Parkmobile (2020). A smarter way to park. Retrieved April 5, 2020, from https://parkmobile.io/.
PayPal (2020). PayPal government solutions. Retrieved April 5, 2020, from https://www.paypal.com/us/webapps/mpp/government-payments.
Paytm (2020). Money transfer & mobile recharge. Retrieved April 6, 2020, from https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_US.
Porter, M. E., & M. B. Fuller (1986). Competition in global industries. Harvard Business School.315-343.
Quan, N., N. Chi, D. Nhung, N. Ngan, & L. Phong (2020). The influence of website brand equity, e-brand experience on e-loyalty: the mediating role of e-satisfaction. Management Science Letters, 10(1), 63-76.
Rakesh, S. (2013). An assessment of benefits delivered to citizens through e-governance from e-mitra in Jaipur. International Journal of Computational Science, Engineering & Technology, 1(1), 43-51.
Rathore, H. S. (2016). Adoption of digital wallet by consumers, BVIMSR’s Journal of Management Research, 8(1),69-75.
Rogers, E. M. (1983). Diffusion of Innovations (3rd Ed.). New York: Free Press.
Rogers, E. M. (2003). Diffusion of Innovations (5rd Ed.). New York: Free Press.
Rowlatt, J. (2016). Why India wiped out 86% of its cash overnight. Retrieved March 7, 2020, from https://www.bbc.com/news/world-asia-india-37974423.
Sandyopasana, T. N., & M. G. Alif (2020). Influence of perceived quality of mobile payment application towards loyalty. In Understanding Digital Industry: Proceedings of the Conference on Managing Digital Industry, Technology and Entrepreneurship, 163-167.
Shamsher, S. (2017). Study of consumer perception of digital payment mode. Journal of Internet Banking and Commerce, 22(3).1-14.
Sheth, J. N. (1968). A factor analytical model of brand loyalty, Journal of Marketing Research, 5(4), 395-405.
Stone, J., & E. Madigan (2009). Policy diffusion and municipal wireless initiatives. Perspectives in Public Affairs, 6, 25-50.
Suri, T. (2015). The mobile money revolution in Kenya: Can the promise be fulfilled? Nairobi, Kenya: FSD Kenya.1-23.
Value Pay Mentsystems (2020). No-cost payment solutions used by all levels of government to increase efficiency in revenue collection and improve cash flowvalue payment systems. Retrieved April 5, 2020, from https://valuepaymentsystems.com/government/#government.
Yoshino, M., & U. Rangan (1995). Strategic alliance: An entrepreneurial approach globalization. Cambridge, MA: Harvard University Press.3-24.
Zandi, M., S. Koropeckyj, V. Singh, & P. Matsiras (2016). The impact of electronic payments on economic growth. Moody’s Analytics.1-29.
Zip Co Limited (2020). Use zip to pay your bills over time, interest free. Retrieved April 4, 2020, from https://zip.co/bills. |
| Description: | 碩士
國立政治大學
公共行政學系
107256024 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0107256024 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202001127 |
| Appears in Collections: | [公共行政學系] 學位論文
|
Files in This Item:
| File |
Description |
Size | Format | |
|---|
| 602401.pdf | | 2858Kb | Adobe PDF2 | 457 | View/Open |
|
All items in 政大典藏 are protected by copyright, with all rights reserved.
|
