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題名 超競爭下之商業生態系統－以行動支付為例
The Business Ecosystem under Hypercompetition: the Cases of Mobile Payment
作者 劉品佳
貢獻者 管康彥
劉品佳
關鍵詞 超競爭
商業生態系統
行動支付
競合
第三方支付
hyper-competition
business ecosystem
mobile payment
co-opetition
third-party payment
日期 2016
上傳時間 22-Aug-2016 13:41:36 (UTC+8)
摘要 本研究運用質性研究方法，加以個案研究方式，對於第三方支付模式和實體信用卡虛擬化之非第三方支付模式進行個案分析，以探討在超競爭下，行動支付業者如何透過競爭以及合作策略，形成行動支付生態系統發展模式。本研究所得結論如下：
一、中國和肯亞等開發中國家之金融體系尚不發達，交易雙方出現信任缺口，銀行服務並不健全，金融資源分配不均，因此透過破壞傳統支付體系架構，發揮網路外部性之雙邊市場效應，打造出第三方支付模式之行動支付生態系統，以達到普惠金融發展目標。
二、歐美日等已開發國家之金融體系已臻健全，金融匯兌服務普及，金融監理重視市場公平與金融穩定，因此未破壞傳統支付體系架構，而是透過跨產業競合方式修改現有支付面前端程序，型塑出實體信用卡虛擬化支付模式之行動支付生態系統，以達到優化金融服務目標。
綜合上述結論，可歸納出二項管理意涵：第一項為在金融服務普及率較低的體系，傾向於發展填補信任缺口之第三方支付模式，而在金融服務普及率較高的體系，則傾向於發展提高安全性之實體信用卡虛擬化支付模式。第二項為企業藉由競合策略，既爭取價值也創造價值，其中爭取價值的本質是競爭，而創造價值的本質則是合作，以達到雙贏。
台灣傳統金融服務與超商密集度高，客戶需求被高度重視及滿足，銀行、超商與第三方支付業者形成跨產業競合關係，發展出多元支付方式，因此建構使用單一裝置即可提供多元支付功能之行動支付平台，可做為台灣行動支付生態系統健全發展之解決方案。具體建議為尋求跨產業競合，金融監管持開放態度，培訓金融科技人才，加強資訊安全，以建構完善的行動支付生態系統。
In the view of hyper-competition, sustainable competitive advantage does not exist, and only by constant innovation in order to obtain a series of short-term competitive advantage. However, business ecosystem could clarify the competition and cooperation relationship between businesses. In this study, qualitative research and case study methodologies are used to find the adoptable mobile payment ecosystem.
The third-party payment would fill the trust gap between the parties. Therefore, developing countries should adopt third party mobile payment ecosystem, in order to achieve financial inclusion. The non-third party payment would improve the security of cardholder transactions and reduce the risk of banking. Therefore, developed countries should adopt non-third party mobile payment ecosystem, in order to optimize financial services.
The above conclusions can be summarized as two management implications: First, low penetration of financial services tends to develop third-party payment, and high penetration of financial services tends to develop non-third party payment. Second, business co-opetition strategy has the nature of value creation and value capture to achieve win-win situation.
Taiwan’s financial service-intensive, customer needs are met, banks, stores can be formed with the third-party payment industry co-opetition relations, the development of a diverse payment methods, and therefore the construction using a single device to provide pluralistic payment function of mobile payment platform, will be suitable for robust development of Taiwan’s mobile payment ecosystem. Suggestions include cross-industry co-opetition, open-minded financial supervision, training financial technology professionals, and strengthen information security.
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描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
103363012
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0103363012
資料類型 thesis
dc.contributor.advisor 管康彥zh_TW
dc.contributor.author (Authors) 劉品佳zh_TW
dc.creator (作者) 劉品佳zh_TW
dc.date (日期) 2016en_US
dc.date.accessioned 22-Aug-2016 13:41:36 (UTC+8)-
dc.date.available 22-Aug-2016 13:41:36 (UTC+8)-
dc.date.issued (上傳時間) 22-Aug-2016 13:41:36 (UTC+8)-
dc.identifier (Other Identifiers) G0103363012en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/100577-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所(MBA學位學程)zh_TW
dc.description (描述) 103363012zh_TW
dc.description.abstract (摘要) 本研究運用質性研究方法，加以個案研究方式，對於第三方支付模式和實體信用卡虛擬化之非第三方支付模式進行個案分析，以探討在超競爭下，行動支付業者如何透過競爭以及合作策略，形成行動支付生態系統發展模式。本研究所得結論如下：
一、中國和肯亞等開發中國家之金融體系尚不發達，交易雙方出現信任缺口，銀行服務並不健全，金融資源分配不均，因此透過破壞傳統支付體系架構，發揮網路外部性之雙邊市場效應，打造出第三方支付模式之行動支付生態系統，以達到普惠金融發展目標。
二、歐美日等已開發國家之金融體系已臻健全，金融匯兌服務普及，金融監理重視市場公平與金融穩定，因此未破壞傳統支付體系架構，而是透過跨產業競合方式修改現有支付面前端程序，型塑出實體信用卡虛擬化支付模式之行動支付生態系統，以達到優化金融服務目標。
綜合上述結論，可歸納出二項管理意涵：第一項為在金融服務普及率較低的體系，傾向於發展填補信任缺口之第三方支付模式，而在金融服務普及率較高的體系，則傾向於發展提高安全性之實體信用卡虛擬化支付模式。第二項為企業藉由競合策略，既爭取價值也創造價值，其中爭取價值的本質是競爭，而創造價值的本質則是合作，以達到雙贏。
台灣傳統金融服務與超商密集度高，客戶需求被高度重視及滿足，銀行、超商與第三方支付業者形成跨產業競合關係，發展出多元支付方式，因此建構使用單一裝置即可提供多元支付功能之行動支付平台，可做為台灣行動支付生態系統健全發展之解決方案。具體建議為尋求跨產業競合，金融監管持開放態度，培訓金融科技人才，加強資訊安全，以建構完善的行動支付生態系統。		zh_TW
dc.description.abstract (摘要) In the view of hyper-competition, sustainable competitive advantage does not exist, and only by constant innovation in order to obtain a series of short-term competitive advantage. However, business ecosystem could clarify the competition and cooperation relationship between businesses. In this study, qualitative research and case study methodologies are used to find the adoptable mobile payment ecosystem.
The third-party payment would fill the trust gap between the parties. Therefore, developing countries should adopt third party mobile payment ecosystem, in order to achieve financial inclusion. The non-third party payment would improve the security of cardholder transactions and reduce the risk of banking. Therefore, developed countries should adopt non-third party mobile payment ecosystem, in order to optimize financial services.
The above conclusions can be summarized as two management implications: First, low penetration of financial services tends to develop third-party payment, and high penetration of financial services tends to develop non-third party payment. Second, business co-opetition strategy has the nature of value creation and value capture to achieve win-win situation.
Taiwan’s financial service-intensive, customer needs are met, banks, stores can be formed with the third-party payment industry co-opetition relations, the development of a diverse payment methods, and therefore the construction using a single device to provide pluralistic payment function of mobile payment platform, will be suitable for robust development of Taiwan’s mobile payment ecosystem. Suggestions include cross-industry co-opetition, open-minded financial supervision, training financial technology professionals, and strengthen information security.		en_US
dc.description.tableofcontents 第一章　緒論　1
第一節　研究背景與動機　1
第二節　研究目的、問題與對象　11
第三節　研究方法、架構與流程　14
第二章　文獻探討　16
第一節　市場競爭　16
第二節　商業生態系統　22
第三章　個案描述　34
第一節　阿里巴巴集團支付寶生態系統　34
第二節　Apple Pay生態系統　43
第四章　個案分析　49
第一節　第三方支付模式　49
第二節　非第三方支付模式　56
第五章　結論與建議　62
第一節　結論　62
第二節　建議　63
參考文獻　67		zh_TW
dc.format.extent 1366546 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0103363012en_US
dc.subject (關鍵詞) 超競爭zh_TW
dc.subject (關鍵詞) 商業生態系統zh_TW
dc.subject (關鍵詞) 行動支付zh_TW
dc.subject (關鍵詞) 競合zh_TW
dc.subject (關鍵詞) 第三方支付zh_TW
dc.subject (關鍵詞) hyper-competitionen_US
dc.subject (關鍵詞) business ecosystemen_US
dc.subject (關鍵詞) mobile paymenten_US
dc.subject (關鍵詞) co-opetitionen_US
dc.subject (關鍵詞) third-party paymenten_US
dc.title (題名) 超競爭下之商業生態系統－以行動支付為例zh_TW
dc.title (題名) The Business Ecosystem under Hypercompetition: the Cases of Mobile Paymenten_US
dc.type (資料類型) thesisen_US
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