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    题名: 非現金支付下台灣金融機構ATM發展趨勢與策略
    Development Trends and Strategies of ATMs for Taiwanese Financial Institutions under Cashless Payments
    作者: 林家正
    Lin, Chia-Cheng
    贡献者: 林士貴
    何慶媛
    Lin, Shin-Kuei
    Ho, Ching-Yuan
    林家正
    Lin, Chia-Cheng
    关键词: 非現金支付
    自動櫃員機
    金融科技
    技術創新
    Cashless Payments
    ATM
    Financial Technology
    Technological Innovation
    日期: 2024
    上传时间: 2024-08-05 14:19:00 (UTC+8)
    摘要: 本研究探討台灣在全球非現金支付趨勢下自動櫃員機（ATM）的發展策略，分析台灣金融機構如何應對這一趨勢，並比較新加坡和日本在此領域的實踐經驗。通過廣泛的文獻回顧和國際案例分析，本研究揭示了ATM在現代金融生態中的角色轉變及相關技術更新的需求。
    首先，研究分析了台灣政府推動非現金支付政策的策略及其影響，尤其是如何影響消費者的支付習慣和金融服務需求。其次，研究深入探討了新加坡和日本在ATM技術創新和服務模式方面的成功經驗，特別是它們如何利用高度整合的數位支付系統提升銀行服務的效率和安全性。

    本研究指出，台灣在ATM服務創新方面面臨的主要挑戰包括技術日新月異、消費者對新型支付方式的接受度低以及市場競爭激烈等問題。針對這些挑戰，本研究提出了一系列策略和建議，包括強化技術合作、加大創新投入、改進ATM用戶介面和交互設計、鼓勵本地銀行與國際科技企業合作，引進先進的金融科技如區塊鏈和人工智慧等，以增強交易的安全性和透明度。

    最後，本研究強調，隨著全球金融科技的快速發展，台灣必須加快ATM技術的更新換代，並根據市場需求和國際趨勢調整其發展策略，以提升金融服務的國際競爭力和整體金融系統的效率。
    This study investigates the development strategies of Automated Teller Machines (ATMs) in Taiwan under the global trend towards cashless payments. It examines how Taiwanese financial institutions respond to this trend and compares the practices of Singapore and Japan in this field. Through extensive literature review and international case analysis, the study reveals the changing role of ATMs in the modern financial ecosystem and the specific needs for technological updates.

    First, the research analyzes the strategies and impacts of Taiwan's government policies promoting cashless payments, particularly how they influence consumer payment habits and financial service demands. Secondly, it delves into the successful experiences of Singapore and Japan in ATM technological innovation and service models, especially how they utilize highly integrated digital payment systems to enhance the efficiency and security of banking services.

    The study identifies the main challenges Taiwan faces in innovative ATM services, including outdated technology, low consumer acceptance of new payment methods, and intense market competition. To address these challenges, the study proposes a series of strategies and recommendations, such as strengthening technological collaboration, increasing innovation investment, improving ATM user interface and interaction design, encouraging local banks to collaborate with international tech companies, and adopting advanced financial technologies like blockchain and artificial intelligence to enhance transaction security and transparency.

    Finally, the study emphasizes that with the rapid development of global financial technology, Taiwan must accelerate the technological upgrading of ATMs and adjust its development strategies according to market needs and international trends to enhance the international competitiveness of its financial services and the overall efficiency of its financial system.
    參考文獻: 中文參考文獻
    1.台灣中央銀行(2020)，“貨幣金融知識專區央行知識家-ATM的過去、現在與未來！”
    https://knowledge.cbc.gov.tw/front/knowledge/552EF285-943B-EB11-80EB-000C29A1B907
    2.台灣立法院(2022)，“官網金融監督管理基金、保險業務發展基金109年度決算評估報告”(2022.3.1) https://www.ly.gov.tw/Pages/Detail.aspx?nodeid=45446&pid=217434
    3.台灣公視新聞網(2023)，“日本逾80歲人口達10% 老化情況惡化” https://news.pts.org.tw/article/658201
    4.台灣金管會(2024)，”金管會訂定我國非現金支付交易指標未來三年新目標值” https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=202401090002&dtable=News
    5.陳妍如(2012)，“財金資訊季刊--專題報導ATM功能整合再創市場競爭”
    https://www.fisc.com.tw/Upload/9920fd22-3489-406f-957d-a7acff52e251/TC/10.%20%E9%99%B3%E5%A6%8D%E5%A6%82.pdf
    6.新加坡聯合早報(2017)，“新加坡政府將重組數位團隊加速發展成為智慧國”
    https://www.taiwanembassy.org/sg/post/15864.html
    7.財經M平方(2024)，”日本-人口數”
    https://www.macromicro.me/charts/376/global-japan-population
    8.財金資訊(2017)，”各國 ATM 跨行手續費標準調查表”
    https://www.fisc.com.tw/Upload/50777891-51a9-4c8c-a2ba-b3493ddb0a84/TC/ATMfee.pdf


    1.Cash Matters(2022), “Why Japan Prefers Cash”
    https://www.cashmatters.org/blog/why-japan-prefers-cash
    2.DBS Facebook(2016), “Coming to an ATM near you by June 2016.”
    https://www.facebook.com/dbs.sg/posts/coming-to-an-atm-near-you-by-june-2016-here-are-our-brand-new-features-tamil-lan/968689783245271/?paipv=0&eav=Afb2Zg-seWHE8Nvd2dqg9N5YNmU87ZBCt2qQZjXpx9T5kEMyEKbUDDQGEN5CQi2m1Mo&_rdr
    3.DBS(2024), “Free yourself from regular banking hours with DBS/POSB VTMs”
    https://www.dbs.com/media/digital-bank/free-yourself-from-regular-banking-hours-with-dbs-posb-video-teller-machines.page
    4.ExploreJapanNow(2023), “Why Is Cash Still So Popular In Japan?”
    https://explorejapannow.com/why-is-cash-still-so-popular-in-japan/
    5.ExploreJapanNow(2023),” Why Is Cash Still So Popular In Japan?”
    https://explorejapannow.com/why-is-cash-still-so-popular-in-japan/
    6.Flow magazine(2023), “Japan joins the journey to a cashless society”
    https://flow.db.com/cash-management/japan-joins-the-journey-to-a-cashless-society
    7.Global Economy(2024), “ATMs per 100,000 adults - Country rankings”
    https://www.theglobaleconomy.com/rankings/ATM_machines/
    8.JBA全國銀行協會(2024), “全銀協の活動を知りたい方”
    https://www.zenginkyo.or.jp/abstract/efforts/system/mics/
    9.Lawson Bank(2024), “How to use an ATM”
    https://www.lawsonbank.jp/international/en/howto/
    10.Merchant Machine(2023), ”The Countries Most Reliant on Cash”
    https://merchantmachine.co.uk/most-reliant-on-cash/
    11.METI 2022(2023), “Ratio of Cashless Payment Among the Total Amount Paid by Consumers Calculated”
    https://www.meti.go.jp/english/press/2023/0406_002.html
    12.OCBC Group(2017), “UOB and OCBC shared ATM network OCBC Bank and UOB Customers Now Enjoy Unlimited Fee-Free Cash Withdrawals on Both Banks' Shared ATM Network”
    https://www.ocbc.com/group/media/release/2017/shared-atms-for-ocbc-and-uob-customers.page
    13.OCBC Group(2020), “OCBC Bank is first in Southeast Asia to enable instant encashment of cash cheques at ATMs”
    https://www.ocbc.com/group/media/release/2020/ocbc-bank-is-first-in-sea-to-enable-instant-cheque-encashment-at-atms.page
    14.RBR(2022), “rbr press release”
    https://www.rbrlondon.com/wp-content/uploads/2022/05/GA27_Press_Release_300522.pdf
    15.RBR(2023), “rbr press release”
    https://www.rbrlondon.com/wp-content/uploads/2023/06/GAIS23_Press_Release_270623.pdf
    16.Realestatejapan(2022),”Sumitomo mitsui bank plans to stop cash transactions at 70% of its branch counters by 2022”
    https://resources.realestate.co.jp/living/sumitomo-mitsui-bank-plans-to-stop-cash-transactions-at-70-of-its-branch-counters-by-2020/
    17.Seven Bank(2019),”News Release”
    https://www.sevenbank.co.jp/english/ir/pdf/2019/20190912_E1.pdf
    18.Seven Bank YouTube(2024), “[简体字] SEVEN银行ATM操作https://www.youtube.com/watch?v=VeURdeJf96Y
    19.Sheng Siong Supermarket(2021), “PayNow Cash Withdrawal Available on $TM”
    https://corporate.shengsiong.com.sg/paynow-cash-withdrawal-available-on-tm/
    20.SMBC Trust Bank(2024), ”In order for our customers to use a cash card safely at ATMs”https://www.smbctb.co.jp/en/service/security/atm/
    21.Tech360.tw(2021), “Face Verification Replaces ATM Cards At 8 OCBC Bank ATMs”
    https://www.tech360.tv/face-verification-replaces-atm-cards-at-8-ocbc-bank-atms
    22.UOB Facebook(2019), “UOB Contactless: Tap your phone, get your cash.”
    https://www.facebook.com/uob.sg/videos/2205800649471205/
    23.World Economic Forum(2022), “How Japan is moving towards a cashless society with digital salary payments”
    24.https://www.weforum.org/agenda/2022/09/japan-cashless-society-digital-salary-payment/
    描述: 碩士
    國立政治大學
    國際金融碩士學位學程
    111ZB1072
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0111ZB1072
    数据类型: thesis
    显示于类别:[國際金融碩士學位學程] 學位論文

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