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| Title: | 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 |
| Authors: | 林家正
Lin, Chia-Cheng |
| Contributors: | 林士貴
何慶媛
Lin, Shin-Kuei
Ho, Ching-Yuan
林家正
Lin, Chia-Cheng |
| Keywords: | 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 |
| Date: | 2024 |
| Issue Date: | 2024-08-05 14:19:00 (UTC+8) |
| Abstract: | 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The study identifies the main challenges Taiwan faces in innovative ATM services, including outdated technology, low consumer acceptance of new payment methods, and intense market competition.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. |
| Reference: | 中文參考文獻
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
111ZB1072 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0111ZB1072 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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