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題名 地方政府推行公共費用電子化支付的策略
A study of local governments’ strategies of adopting public e-payment作者 陳順穆
Chen, Shun-Mu貢獻者 朱斌妤
Chu, Pin-Yu
陳順穆
Chen, Shun-Mu關鍵詞 電子化支付
公共費用代收
政策擴散
策略聯盟
品牌忠誠度
E-Payment
Collection service of public payment
Policy diffusion
Strategic alliance
Brand royalty日期 2020 上傳時間 3-Aug-2020 18:03:21 (UTC+8) 摘要 資通訊科技的蓬勃發展，引發電子化支付的國際潮流，從民生的剛性需求發展出這種便利性高，且不受地域限制的新興支付方式。在臺灣，政府也將電子化支付比率的提升視為重要發展的政策。在過去的相關研究當中，電子化支付側重於商業研究，舉凡對於新興科技的系統、平台、應用程式的科技接受程度。然而，本研究著重於地方政府將公共費用導入電子化支付，提供民眾更為多元的繳費管道，對於地方政府、電子化支付業者、銀行業者與民眾等各方利害關係人的策略。本研究以質性訪談的方式，整理出地方政府與業者電子化支付代繳公共費用的實質誘因、實務困難與策略。研究發現業者代收公共費用的手續費用只能視為預期的利益，但實質上，並不被業者視為主要的營利來源；地方政府會受到國家政策的規範、其他縣市發展智慧城市的壓力與民眾給予的壓力所影響，進而採用電子化支付代收公共費用的政策；電子化支付業者提供誘因，吸引民眾使用特定電子化支付工具，讓民眾產生對特定支付工具品牌的功能產生黏著，進而產生品牌忠誠度；電子化支付業者與銀行業者因為市場競爭的關係，紛紛與同業、異業結盟，創造最大的利益。本研究建議未來地方政府電子化支付代繳公共費用的政策，能朝向平台式、全國式的方向發展，透過繳費流程改造與統一格式與系統化對帳，降低行政繁冗，並且加強地方政府的角色，多與業者共同推出誘因，吸引更多民眾的使用，讓雙方的效益能夠互利共生，也使得電子化支付代繳公共費用的政策能夠持續推廣。
The rapid innovations of Information and Communication Technologies (ICTs) lead to the emergence of e-payment which is convenient and not specially limited way of paying boosted by rigid demand of democracy. In Taiwan, the government has seen the development of e-payment ratio as a major policy. Previous researches concerning e-payment focused on its commercial aspects, such as the acceptance of innovative technology’s system, platform, or application. The present research will turn to explore how different players, such as local government, e-payment practitioners, banks, citizens and different stakeholders, adopting e-payment in the context of public payments.Using in-depth interview, the present research concludes that the local government and practitioners have some incentives, difficulties and strategies when they introduce e-payment to the public payments. Practitioners (both e-payment practitioners and banks) who provide collection services actually do not see handling fees as the major source of profit but as imaginary profit. Local government may be restricted to national policy, peer pressure comes from other local government’s smart city policy and expectation of citizens and in turn implements e-payment. E-payment practitioners launch appeals to citizens in order to create their stickiness to specific payment service and brand royalty. Due to market competition, e-payment practitioners and banks begin to unite with the same industry or other industries to create synergy and maximize profit.The present research suggests that local government should turn to create a convergent platform in a national level when conceives the e-payment policy of public payment. The local government should utilize the transformation and standardization of payment process and systemized accounting to cut tedious administrative work. In this way, e-payment policy can on the one hand strengthens and fulfills local government’s duty, and on the other hand, profit private practitioners and provide citizens convenient services.參考文獻 7-11繳費便（2020）。繳費便，2020/04/02，取自：https://www.7-11.com.tw/service/monthly.aspx。Babbie, E.（2016）。社會科學研究方法（14版）。林秀雲（譯）。台北市：雙葉書廊。434-481。e-Bill全國繳費網（2020）繳費項目。檢索日期：2020/04/02，取自：https://ebill.ba.org.tw/。Google Play（2020）。Pay.Taipei，2020/04/06，取自：https://play.google.com/store/apps/details?id=com.tpepay。Line Pay Money（2020）。儲值、拆帳、繳費等一指完成，2020/03/29，取自：https://www.i-pass.com.tw/Page/AboutAccount。Pi拍錢包（2020）。路邊停車費隨查即繳、行動繳費，手機繳更輕鬆，2020/04/06，取自：https://www.piapp.com.tw/personal。中國時報（2019）。立院評估：電子支付計畫恐難達標。中國時報， 2020/02/28，取自：https://www.chinatimes.com/realtimenews/20191016002780-260407?chdtv。中華民國銀行商業同業公會全國聯合會（2020）。電子支付業務員會指掌，2020/03/29，取自：https://www.ba.org.tw/AboutUnion/CommitteeIntroduction?roleid=c4f49930-a04d-44d2-b37d-69b5cfafab75。 支付寶（2020）。企業簡介：螞蟻金服旗下的支付寶，2020/03/22，取自：https://ab.alipay.com/。王怡涵（2017）。行動支付的近期發展與監管議題。中央銀行出國報告。1-40。台新國際商業銀行（2020）。街口聯名卡特色，2020/03/24，取自：https://www.taishinbank.com.tw/TSB/personal/credit/intro/overview/cg038/card001/index.html。司徒達賢。（1996）。《中小企業之策略聯盟》。經濟情勢暨評論，2（3）1-7。玉山銀行（2020）。代扣繳費用/繳費平台，2020/04/02，取自：https://www.esunbank.com.tw/bank/digital/online-service/payment。立法院（2019）。金融監督管理基金及保險業務發展基金109年度預算評估報告，2020/02/28。https://www.ly.gov.tw/Pages/List.aspx?nodeid=33553。 全國法規資料庫（2018a）。電子支付機構管理條例，2020/02/05，取自：https://law.moj.gov.tw/LawClass/LawAll.aspx?pcode=G0380237。 全國法規資料庫（2018b）。電子票證發行管理條例，2020/02/05，取自： https://law.moj.gov.tw/LawClass/LawAll.aspx?pcode=G0380207。李仲彬（2010）。影響全球電子治理發展的因素：以政策擴散理論爲基礎的分析。公共行政學報，(36)，39-89。 林詩遠（2018）。美國為什麼不用移動支付，大紀元，2020/04/05，取自：https://www.epochtimes.com/b5/18/3/3/n10188387.htm。金融監督管理委員會（2020）。109年1月份信用卡、現金卡、電子票證及電子支付機構業務資訊，2020/03/28，取自：https://www.banking.gov.tw/ch/home.jsp?id=540&parentpath=0,524,539&mcustomize=multimessage_view.jsp&dataserno=202003050003&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News。 金融管理委員會（2018）。行動支付與電子化支付普及之關鍵。台灣經濟論壇，16（2），29-37。威甫、李靜芠、黃心怡（2019）。銀行業務多角化之經營績效探討－台灣實證。商管科技季刊，20(1)，1-24。科技報橘（2020）。「全國繳費網」爆無密碼驗證即可挪用他人存款，資安漏洞到底出在哪？科技報橘，2020/07/10，取自：https://buzzorange.com/techorange/2020/05/05/transfer-system-leak/ 翁世吉、田育任（2014）。「行動商務」支付應用發展趨勢。財金資訊季刊，78，19-26。財政部財政資訊中心（2020）。行動支付繳稅，2020/04/05，取自：https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/439/6003290591422741264。 高鉅科技股份有限公司（2017）。儲值支付的美麗與哀愁－各方逐漸鬆綁，儲值支付的機會何在，2020/02/18，取自：https://www.mypay.com.tw/main_article4.html。陳光和（2017）。淺談行動支付-以臺北市政府智慧支付整合平臺（pay.taipei）為例。政府機關資訊通報，349。1-11。智冠科技（2020）。公司簡介，2020/03/24，取自：http://www.soft-world.com/About。植根法律網（2017）。信用卡收單機構簽訂「提供代收代付服務平台業者」為特約商店自律規範，2020/02/05，取自：http://www.rootlaw.com.tw/LawArticle.aspx?LawID=A040390040025600-1060512。 黃郁淳（2019）。推動行動支付結合雲端發票。政府機關資訊通報，360，1-6。 微信支付（2020）。行業解決方案，2020/03/22，取自：https://pay.weixin.qq.com/index.php/core/home/login?return_url=%2F。經濟部商業司（2020）。全國第三方支付服務業(I301040)公司登記資料。檢索日期：2020/03/18，取自： https://data.gov.tw/dataset/22184。彰化縣政府工務處（2020）。縣府與8家行動支付業者合作彰化縣路邊停車多元付費上線，2020/04/05，取自：http://publicworks.chcg.gov.tw/03bulletin/bulletin02_con.asp?bull_id=307728。臺北市智慧支付平台（2020）。全面支援行動支付，提供多種繳費項目，一次串接快速付款，2020/02/28，取自：https://pay.taipei/v2/Index。臺北市議會公報（2019）。交通部門質詢第10 組。臺北市議會公報，114 （3）709-739。臺灣中油股份有限公司（2019）。中油Pay上線啟用加油支付新選擇，2020/03/24，取自：https://www.cpc.com.tw/News_Content.aspx?n=28&s=4504。劉姵呈（2019）。金管會推電支電票合併新增小額匯兌等業務。中央社，2020/03/04，取自：https://www.cna.com.tw/news/afe/201907310084.aspx。蔡福隆（2017）。電子支付帶動臺灣金融科技發展。國土及公共治理季刊，5（4），92-97。衛生福利部中央健康保險署（2020）。保險費繳納方式-行動支付繳納健保費方式簡介，2020/04/05，取自：https://www.nhi.gov.tw/Content_List.aspx?n=24C42A2258693ABA&topn=5FE8C9FEAE863B46&upn=91C8E75A4B266931。 蕭佑和（2018）。台灣行動支付大亂鬥：這麼多種「Pay」，誰能成為最大贏家。科技報橘（大和有話說），2020/02/18，取自：https://buzzorange.com/techorange/2018/08/22/multi-pay-compare-in-taiwan/。藍新科技（2020）。藍新科技大事記，2020/03/24，取自：https://www.neweb.com.tw/milestone。Achord, S., J. 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Retrieved April 4, 2020, from https://zip.co/bills. 描述 碩士
國立政治大學
公共行政學系
107256024資料來源 http://thesis.lib.nccu.edu.tw/record/#G0107256024 資料類型 thesis dc.contributor.advisor 朱斌妤 zh_TW dc.contributor.advisor Chu, Pin-Yu en_US dc.contributor.author (Authors) 陳順穆 zh_TW dc.contributor.author (Authors) Chen, Shun-Mu en_US dc.creator (作者) 陳順穆 zh_TW dc.creator (作者) Chen, Shun-Mu en_US dc.date (日期) 2020 en_US dc.date.accessioned 3-Aug-2020 18:03:21 (UTC+8) - dc.date.available 3-Aug-2020 18:03:21 (UTC+8) - dc.date.issued (上傳時間) 3-Aug-2020 18:03:21 (UTC+8) - dc.identifier (Other Identifiers) G0107256024 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/131139 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 公共行政學系 zh_TW dc.description (描述) 107256024 zh_TW dc.description.abstract (摘要) 資通訊科技的蓬勃發展，引發電子化支付的國際潮流，從民生的剛性需求發展出這種便利性高，且不受地域限制的新興支付方式。在臺灣，政府也將電子化支付比率的提升視為重要發展的政策。在過去的相關研究當中，電子化支付側重於商業研究，舉凡對於新興科技的系統、平台、應用程式的科技接受程度。然而，本研究著重於地方政府將公共費用導入電子化支付，提供民眾更為多元的繳費管道，對於地方政府、電子化支付業者、銀行業者與民眾等各方利害關係人的策略。本研究以質性訪談的方式，整理出地方政府與業者電子化支付代繳公共費用的實質誘因、實務困難與策略。研究發現業者代收公共費用的手續費用只能視為預期的利益，但實質上，並不被業者視為主要的營利來源；地方政府會受到國家政策的規範、其他縣市發展智慧城市的壓力與民眾給予的壓力所影響，進而採用電子化支付代收公共費用的政策；電子化支付業者提供誘因，吸引民眾使用特定電子化支付工具，讓民眾產生對特定支付工具品牌的功能產生黏著，進而產生品牌忠誠度；電子化支付業者與銀行業者因為市場競爭的關係，紛紛與同業、異業結盟，創造最大的利益。本研究建議未來地方政府電子化支付代繳公共費用的政策，能朝向平台式、全國式的方向發展，透過繳費流程改造與統一格式與系統化對帳，降低行政繁冗，並且加強地方政府的角色，多與業者共同推出誘因，吸引更多民眾的使用，讓雙方的效益能夠互利共生，也使得電子化支付代繳公共費用的政策能夠持續推廣。 zh_TW dc.description.abstract (摘要) The rapid innovations of Information and Communication Technologies (ICTs) lead to the emergence of e-payment which is convenient and not specially limited way of paying boosted by rigid demand of democracy. In Taiwan, the government has seen the development of e-payment ratio as a major policy. Previous researches concerning e-payment focused on its commercial aspects, such as the acceptance of innovative technology’s system, platform, or application. The present research will turn to explore how different players, such as local government, e-payment practitioners, banks, citizens and different stakeholders, adopting e-payment in the context of public payments.Using in-depth interview, the present research concludes that the local government and practitioners have some incentives, difficulties and strategies when they introduce e-payment to the public payments. Practitioners (both e-payment practitioners and banks) who provide collection services actually do not see handling fees as the major source of profit but as imaginary profit. Local government may be restricted to national policy, peer pressure comes from other local government’s smart city policy and expectation of citizens and in turn implements e-payment. E-payment practitioners launch appeals to citizens in order to create their stickiness to specific payment service and brand royalty. Due to market competition, e-payment practitioners and banks begin to unite with the same industry or other industries to create synergy and maximize profit.The present research suggests that local government should turn to create a convergent platform in a national level when conceives the e-payment policy of public payment. The local government should utilize the transformation and standardization of payment process and systemized accounting to cut tedious administrative work. In this way, e-payment policy can on the one hand strengthens and fulfills local government’s duty, and on the other hand, profit private practitioners and provide citizens convenient services. en_US dc.description.tableofcontents 目次 I表次 III圖次 IV第一章 緒論 1第一節、 研究背景 1第二節、 研究目的與問題 8第三節、 研究流程圖 10第二章 文獻探討 11第一節、 行動支付與電子化支付的定義 14第三節、 他國推行電子化支付代繳公共費用的經驗 18第四節、 臺灣電子化支付代繳公共費用的現況 29第五節、 地方政府電子化支付代繳公共費用的政策擴散 36第六節、 影響電子化支付業者投入代繳公共費用的誘因 39第三章 研究設計 47第一節、 電子化支付多元利害關係的互動策略 47第二節、 研究方法與個案範圍界定 49第三節、 訪談大綱設計 55第四章 訪談資料分析 59第一節、 電子化支付代繳公共費用的實質誘因 59第二節、 電子化支付代繳公共費用的實務困難 71第三節、 地方政府導入電子化支付代收的策略 83第四節、 電子化支付業者與銀行業者導入代收的策略 99第五章 研究結論與建議 113第一節、 研究結論 113第二節、 研究建議 117第三節、 研究限制與未來建議 121參考資料 123 zh_TW dc.format.extent 2927606 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0107256024 en_US dc.subject (關鍵詞) 電子化支付 zh_TW dc.subject (關鍵詞) 公共費用代收 zh_TW dc.subject (關鍵詞) 政策擴散 zh_TW dc.subject (關鍵詞) 策略聯盟 zh_TW dc.subject (關鍵詞) 品牌忠誠度 zh_TW dc.subject (關鍵詞) E-Payment en_US dc.subject (關鍵詞) Collection service of public payment en_US dc.subject (關鍵詞) Policy diffusion en_US dc.subject (關鍵詞) Strategic alliance en_US dc.subject (關鍵詞) Brand royalty en_US dc.title (題名) 地方政府推行公共費用電子化支付的策略 zh_TW dc.title (題名) A study of local governments’ strategies of adopting public e-payment en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 7-11繳費便（2020）。繳費便，2020/04/02，取自：https://www.7-11.com.tw/service/monthly.aspx。Babbie, E.（2016）。社會科學研究方法（14版）。林秀雲（譯）。台北市：雙葉書廊。434-481。e-Bill全國繳費網（2020）繳費項目。檢索日期：2020/04/02，取自：https://ebill.ba.org.tw/。Google Play（2020）。Pay.Taipei，2020/04/06，取自：https://play.google.com/store/apps/details?id=com.tpepay。Line Pay Money（2020）。儲值、拆帳、繳費等一指完成，2020/03/29，取自：https://www.i-pass.com.tw/Page/AboutAccount。Pi拍錢包（2020）。路邊停車費隨查即繳、行動繳費，手機繳更輕鬆，2020/04/06，取自：https://www.piapp.com.tw/personal。中國時報（2019）。立院評估：電子支付計畫恐難達標。中國時報， 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