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    政大典藏 > College of Commerce > International MBA > Theses >  Item 140.119/98597


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/98597


    Title: 消費者以及公司之線上付款平台
    Online/Mobile Payment Platform for Consumer and Enterprise
    Authors: 張漢光
    Chang, Henry
    Contributors: 吳文傑
    Wu, Jack
    張漢光
    Chang, Henry
    Keywords: 交易
    方便
    行動
    付費
    平台
    Transaction
    convenience
    mobile
    payment
    platform
    Date: 2016
    Issue Date: 2016-07-01 15:06:31 (UTC+8)
    Abstract: 無
    Due to the increasing mobility of the people as a whole and the further need of convenience, so does the need for increasingly mobile payment platform. Rather than using cash, which is difficult to keep track as the number of transactions increase, a form of digital/ e-payment system is preferred. At the same time, however, credit cards are also falling out of favor due to the inherent lack of security of credit cards and the lack of convenience, not to mention the added burden to the users of having to constantly check and re-check their transaction receipts/ proof of payment.
    This is why a completely separate payment method that is non-cash and non-credit card should be implemented more. In the United States, the preferred digital payment platform is Paypal; while in Mainland China, it is Alipay. Despite being one of the most technologically aware countries in the world, Taiwan does not have a wide, commonly used digital payment platform that is also integrated to physical stores. This is partially caused by the legal limitations of the payment platforms, but this limitation does not apply to already existing digital payment platforms or banks.
    The decline in digital payment platform growth is caused by the lack of convenience in using it; in the sense that it is not widely available for usage. This is why if a digital payment platform is to be made, it must start from a peer-to-peer payment before moving into commerce. This is the reason for PaySplit’s existence.
    Starting from a peer-to-peer payment reconciliation and balance checking, we aim to move into the commerce and business-to-consumer and business-to-business payment as well. Though the revenue flow seems non-existent, there are many ways for payment platforms to make money, including, but not limited to advertising, leeching payment, service charge, etc. If the figures hold, this business is very feasible and we should have a break even on the second year of operation.
    Reference: Number of cellphone in Taiwan
    http://www.taiwantoday.tw/ct.asp?xItem=232903&ctNode=2183

    Number of transactions a day and month
    http://www.bnext.com.tw/article/view/id/29226

    No. of users for Pi App currently
    http://www.bnext.com.tw/article/view/id/37816

    No. of Taipei Tenants at Night Market
    http://www.stat.gov.tw/public/Attachment/4513919532FZJFA2L.pdf

    Number of people exposed to ad a day:
    http://www.maataipei.org/upload/1368779201.pdf

    Number of tourists to Taiwan by country in 2015
    http://admin.taiwan.net.tw/statistics/year.aspx?no=134

    Taiwan Internet Speed
    http://focustaiwan.tw/news/ast/201401290016.aspx

    Alipay stats
    http://expandedramblings.com/index.php/alipay-statistics/

    Splitwise Stat
    https://www.crunchbase.com/organization/splitwise#/entity

    Gash Pay Stat
    https://tw.stock.yahoo.com/news_content/url/d/a/20151023/橘子喜事連連-旗下樂點獲第三方支付執照-年底前上線-070553387.html

    Line Stat
    http://www.chinapost.com.tw/taiwan-business/2015/02/04/428160/Taiwan-bank.htm http://www.nfcworld.com/2015/08/26/337259/line-pay-expands-to-taiwan/

    3rd party pay
    http://focustaiwan.tw/news/aeco/201511030040.aspx

    Taiwan third party payment target market
    http://topics.amcham.com.tw/2015/05/taiwans-payment-plan/

    Easycounter review of PiApp
    http://www.easycounter.com/report/piapp.com.tw


    Taiwan Retail Data for dinning
    http://www.nielsen.com/tw/en/insights/news/2014/taiwan-consumers-online-shopping-top-5-categories.html
    Description: 碩士
    國立政治大學
    國際經營管理英語碩士學位學程(IMBA)
    103933018
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0103933018
    Data Type: thesis
    Appears in Collections:[International MBA] Theses

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