創新的金融消費服務-電子支付的隱憂

Abstract

大家習慣的支付方式為現金支付(一手交錢，一手交貨)，而目前最熱門的創新的金融消費服務的支付話題是利用網路(第三方支付)、手機(ApplePay)、虛擬貨幣來支付價金。此種新型態的支付方式具備了便利性與即時性且簡便付款方式的服務將提升消費者參與消費活動意願。未來消費支付的型態將轉為只要有手機或網路就可隨心購物，現金已不再是必需品。People are very used to making cash payments (cash on delivery). Currently, the hottest topic of payment methods is the innovative financial e-payment service for consumers through the internet (third-party payments), cell phone (Apple Pay), or virtual currency. This new payment method is convenient, prompt, and easy, increasing consumers’ willingness to make consumption. The future world will be a place where you can make a purchase at will as long as you have a smart phone or internet access. Cash will be no longer necessary.