互聯網與創新創業對台灣行動支付的影響──以支付寶及微信支付為例

The Influence of the Internet and Innovation and Entrepreneurship on Taiwan's Mobile Payment-Take Alipay and WeChat Pay as examples

互聯網（Internet）是網絡與網絡間串連成的網絡系統，如相互關聯的超文字檔案，萬維網（WWW）的應用、電子郵件、通話及檔案共用服務。支付寶是中國大陸的第三方支付服務平台，為阿里巴巴淘寶網的一個部門，現為螞蟻金服的子公司，支付寶已從單一的支付工具，發展為提供支付、生活服務、政務服務、社交、理財、保險、公益等多個開放性平台。微信支付（WeChat Pay）是騰訊公司微信內建的支付功能，使用者可通過微信完成支付，以連結銀行卡的快捷支付為基礎，微信支付為中國大陸第二大行動支付平台。行動支付在台能取代錢包嗎？台目前為何無法有效統合，因目前行動支付採用的運作模式主要是TSM、HCE、Visa Token三種，加之消費習慣難以撼動，故整合的技術非常困難。『金融科技（FinTech）』已成為全球金融發展趨勢，不論是金融業增加科技的應用擴大服務範圍、抑或是科技業跨界提供金融服務，『金融科技』未來發展對金融產業將產生影響。

The Internet is a network system that connects the network to the network, such as interconnected hypertext files, World Wide Web (WWW) applications, e-mail, calls, and file sharing services. Alipay is a third-party payment service platform in mainland China. It is a division of Alibaba Taobao. It is now a subsidiary of Ant Financial. Alipay has evolved from a single payment tool to providing payment, life services, government services, and social networking. , Financial management, insurance, public welfare and other open platforms. WeChat Pay is a built-in payment function of Tencent's WeChat. Users can complete payments through WeChat. It is based on quick payments linked to bank cards. WeChat Pay is the second largest mobile payment platform in Mainland China. Can mobile payment replace wallets in Taiwan? Why Taiwan is unable to integrate effectively at present? Because the current operating modes of mobile payment are mainly TSM, HCE, and Visa Token, and the consumption habits are difficult to shake, it is very difficult to integrate the technology. ＂FinTech＂ has become a global financial development trend. Whether it is the increase in the application of technology in the financial industry to expand the scope of services, or the cross-border financial services provided by the technology industry, the future development of ＂FinTech＂ will have an impact on the financial industry.