聚合支付的風險與發展

Abstract

104年政府喊出電子支付元年，積極推升微型企業商機，109年電子支付交易已累計破4229.9億元新台幣，行政院更推出臺灣雲市集，提供商家上限3萬元的輔助政策，電子支付在臺灣於法源、政策逐漸完善的條件下，正逐步攀升。\n臺灣於電子支付領域，相較於大陸地區，美加與韓國起步較晚，因應電子支付的發展，聚合支付(又稱融合支付、第四方支付等)為解決商家「一商多碼」、「一櫃多機」提供了解決方案，但聚合支付為新資訊技術服務產業，在其他國家發展過程中曾發生過弊端，臺灣未來聚合支付亦可能面對相同風險。\n本研究收集海內外期刊、論文等關於聚合支付發展過程所發生過弊端，以及未來可能發生的風險資料，咨請台灣電子支付專家，以其多年觀察臺灣業態之經驗，將海外前車之鑑因應臺灣的金融環境整理出可能在臺灣發生的風險，供作為聚合支付的業者以及潛在進入者，應該要留意的方向；以及基於理論上，提供因應的策略建議。

In 2015, the government announced the first year of electronic payment and actively promoted the business opportunities of micro-enterprises. In 2020, electronic payment transactions have exceeded NT$422.99 billion. The Executive Yuan even launched the Taiwan Cloud Market, providing an auxiliary policy of up to 30,000 yuan for merchants. Electronic payment is gradually rising under the conditions of legal sources and gradual improvement of policies in Taiwan.\nIn the field of electronic payment in Taiwan, compared with the mainland, the United States, Canada and South Korea started relatively late. In response to the development of electronic payment, integrated payment (also known as aggregated payment, fourth-party payment, etc.) provides a solution for merchants to solve "multiple codes in one business" and "multiple machines in one cabinet", but integrated payment is a new information technology service industry, there have been drawbacks in the development process of other countries, and Taiwan`s future integrated payment may also face the same risks.\nThis research collects domestic and overseas journals, papers and other information about the disadvantages of the development process of integrated payment, as well as the risks that may occur in the future, and consults Taiwan`s electronic payment expert, with his years of experience in observing Taiwan`s business format, and adapting overseas lessons learned to Taiwan`s financial industry The environment sorts out the risks that may occur in Taiwan, which should be paid attention to by integrated payment providers and potential entrants; and based on theory, provide corresponding strategic recommendations.