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| Title: | 從全球經驗看臺灣第三方支付的發展
The Development of Taiwan's Third-Party Payment Systems: A Perspective from Global Experiences |
| Authors: | 程令儀
Cheng, Ling-Yi |
| Contributors: | 許永明
Shiu, Yung-Ming
程令儀
Cheng, Ling-Yi |
| Keywords: | 第三方支付
電子支付
數位金融
科技監理
跨境支付
Third-party Payment
Electronic Payment
Digital Finance
Fintech Regulation
Cross-border Payment |
| Date: | 2025 |
| Issue Date: | 2025-07-01 14:35:14 (UTC+8) |
| Abstract: | 隨著數位金融技術與行動支付服務的持續創新，第三方支付已成為全球金融市場變革的重要推力。在臺灣，政策推動與業者積極投入使得行動支付普及率穩定成長，然市場規模受限、法規分軌與平台同質化等結構性挑戰仍待突破。為全面分析臺灣第三方支付的發展動能與挑戰，本研究採取制度面與產業面雙軌並進的分析路徑，透過文獻回顧、個案比較、五力與SWOT分析，並輔以主管機關與業界訪談，深入探討支付市場的競爭策略、法規制度與創新應用。
本研究選取美國PayPal、日本PayPay、中國支付寶與臺灣LINE Pay為比較對象，剖析其監理政策、商業模式與市場策略，進而歸納出臺灣市場的發展優勢與潛在限制。研究結果顯示，臺灣具備高行動裝置普及率、政策資源支持與在地場景整合度高等條件，惟法規彈性與創新容納度尚有提升空間。未來應加速開放銀行與數位身分等基礎建設佈建，推動跨境合作與差異化服務策略，以提升市場競爭力與國際連結。
本研究除補足臺灣在第三方支付制度與策略比較方面之研究空白，也為政府與業者提供可行的政策建議與發展方向，期盼促進我國數位金融體系之永續發展與國際接軌。
Amid rapid advances in digital finance, third-party payment systems have emerged as critical drivers of financial innovation worldwide. In Taiwan, government support and active industry participation have spurred steady growth in adoption. However, challenges such as limited market size, fragmented regulatory oversight, and platform homogeneity remain.
This study adopts a dual-perspective framework—focusing on regulatory and industrial aspects—using literature review, case comparisons, Porter’s Five Forces, SWOT analysis, and interviews to examine the development of Taiwanese third-party payment ecosystem. Four entities—PayPal (U.S.), PayPay (Japan), Alipay (China), and LINE Pay (Taiwan)—are analyzed to identify their business strategies, regulatory environments, and competitive positions.Findings show that Taiwan possesses strong foundations, including high mobile penetration and ecosystem integration, but must address regulatory rigidity and foster greater innovation. Key recommendations include advancing open banking infrastructure, digital identity systems, and cross-border cooperation to enhance competitiveness and global connectivity.
This study contributes to filling research gaps and offers policy and strategic insights for strengthening Taiwan’s digital financial landscape. |
| Reference: | 一、中文
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
112zb1024 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112ZB1024 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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