論歐盟支付服務指令之發展對我國電子支付機構管理條例之審思

Taiwan’s Newly Amended Act of Governing Electronic Payment Institutions in Light of Developments in the EU Directive on Payment Services

電子付款制度的發展對於活絡電子商務及加速支付服務之效率以達普惠金融之目的具有相當的重要性。臺灣為了加速電子商務之發展，於2021年1月27日進行大規模之修正電子支付機構管理條例，並已於2021年7月1日正式生效施行，開啟我國電子支付機構監管制度之新頁，在此之際，本文藉由剖析歐盟為整合境內支付機制而通過之第一次支付服務指令之實證研究，比較歐盟第一次支付服務指令、第二次支付服務指令所生之變革與對於加速金融科技之發展及金融服務市場之功效，以為我國立法評估以及潛藏問題研究之借鏡，進而提供我國加速發展電子支付系統法規架構以及平衡個人資料保護的基礎。

The rapid development of electronic payment systems has revitalized e-commerce and facilitated the efficiency of payment services in achieving the purpose of inclusive finance. In order to accelerate the development of e-commerce in Taiwan, on January 27, 2021 a large-scale amendment to the Act of Governing Electronic Payment Institutions was passed and the amendments came into effect on July 1, 2021. These amendments open a new page for Taiwan’s regulatory system of electronic payment institutions. This article focuses on empirical studies on the effectiveness of the EU First Payment Services Directives and analyzes the issue of whether the amendments to the EU Second Payment Service Directive can address the risks arising from the First Payment Services Directive while at the same time achieving the goal of accelerating the development of financial technology and financial markets. By analyzing and comparing the empirical studies between two EU directives, this article provides insights into any potential pitfalls or legislative approaches for Taiwan’s newly amended Act of Governing Electronic Payment Institutions in order to establish a complete regulatory system for electronic payment services while balancing personal data protection under said regulatory system.