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題名 消費者以及公司之線上付款平台
Online/Mobile Payment Platform for Consumer and Enterprise
作者 張漢光
Chang, Henry
貢獻者 吳文傑
Wu, Jack
張漢光
Chang, Henry
關鍵詞 交易
方便
行動
付費
平台
Transaction
convenience
mobile
payment
platform
日期 2016
上傳時間 1-Jul-2016 15:06:31 (UTC+8)
摘要 
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.
參考文獻 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
描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
103933018
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0103933018
資料類型 thesis
dc.contributor.advisor 吳文傑zh_TW
dc.contributor.advisor Wu, Jacken_US
dc.contributor.author (Authors) 張漢光zh_TW
dc.contributor.author (Authors) Chang, Henryen_US
dc.creator (作者) 張漢光zh_TW
dc.creator (作者) Chang, Henryen_US
dc.date (日期) 2016en_US
dc.date.accessioned 1-Jul-2016 15:06:31 (UTC+8)-
dc.date.available 1-Jul-2016 15:06:31 (UTC+8)-
dc.date.issued (上傳時間) 1-Jul-2016 15:06:31 (UTC+8)-
dc.identifier (Other Identifiers) G0103933018en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/98597-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 國際經營管理英語碩士學位學程(IMBA)zh_TW
dc.description (描述) 103933018zh_TW
dc.description.abstract (摘要) zh_TW
dc.description.abstract (摘要) 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.
en_US
dc.description.tableofcontents Introduction 7
Business Plan Canvas 13
OPPORTUNITY 15
Target Market 15
Problem & Solution 16
EXECUTION 18
Operations 18
Milestones & Metrics 22
SWOT Analysis 23
Competition 25
Revenue Source 28
COMPANY 30
Overview 30
Team 30
FINANCIAL PLAN 32
Forecast 35
Calculations 38
Final Conclusion 38
Appendix 39
zh_TW
dc.format.extent 1065292 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0103933018en_US
dc.subject (關鍵詞) 交易zh_TW
dc.subject (關鍵詞) 方便zh_TW
dc.subject (關鍵詞) 行動zh_TW
dc.subject (關鍵詞) 付費zh_TW
dc.subject (關鍵詞) 平台zh_TW
dc.subject (關鍵詞) Transactionen_US
dc.subject (關鍵詞) convenienceen_US
dc.subject (關鍵詞) mobileen_US
dc.subject (關鍵詞) paymenten_US
dc.subject (關鍵詞) platformen_US
dc.title (題名) 消費者以及公司之線上付款平台zh_TW
dc.title (題名) Online/Mobile Payment Platform for Consumer and Enterpriseen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) 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
zh_TW