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Author: 張益恩
I-EN CHANG
Thesis Title: 金融科技行動支付服務對銀行自動化服務機器現金提領的影響
The Influence of Automatic Teller Machine Service from Mobile Payment
Advisor: 陳俊男
Chun-Nan Chen
Committee: 鄭仁偉
Jen-Wei Cheng
謝劍平
Chien-Ping Hsieh
林軒竹
Hsuan-Chu Lin
Degree: 碩士
Master
Department: 管理學院 - 財務金融研究所
Graduate Institute of Finance
Thesis Publication Year: 2020
Graduation Academic Year: 108
Language: 中文
Pages: 62
Keywords (in Chinese): 行動支付自動櫃員機現金提領提升ATM優化
Keywords (in other languages): mobile payment, automatic teller machine (ATM), withdraw, ATM optimization
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本研究撰寫目的在探討金融科技行動支付的發展下,由於智慧型手機及網路頻寬穩定再加上行動支付應用程式不斷進化創新,且銀行資訊系統的體系得以支援,讓民眾漸漸安心、習慣及依賴手機來完成諸多事務,導致本國國人支付型態由原本現金交易支付轉變為透過手機來完成付款交易。然而行動支付的便利卻會導致民眾對於原來取得現金最直接的方式--自動化服務機器(實體ATM)的需求變得減少許多,因此也間接影響國內銀行自動化服務機器所放置的位置、設置的多寡,或者是否調整提款機內的現鈔金額等,因此行動支付在臺灣穩定發展下,支付型態慢慢改變,導致影響ATM提供現金服務的需求已成為經營者思考調整或優化議題,亦為本研究的研究動機。
本研究主要是探討政府開放行動支付業務後,會不會造成銀行業者所提供自動化櫃員機現金提領的次數及金額受到影響?若是會受到影響那銀行業者於經營上需如何因應及修改以利銀行整體發展。
本案研究主要以數據資料分析、搭配深度訪談二位銀行界的先進,了解因行動支付的崛起,對提供實體ATM服務經營者有什麼因應的對策︰
一、數據資料分析,在財金公司公開資訊網站中取得所有銀行同業所設置之自動化櫃員機每月所提領交易筆數與金額,並依照彙整數據來分析。就所產生實際交易情形,透過數據內容來討論自動櫃員機確實於近幾年現金提領次數與提領總金額逐年下降中;另從國家發展委員會及金管會銀行局公開資料得知,我國行動支付至2016年開放後行動支付的使用率及總交易金額每年都倍增成長,雖然臺灣發展行動支付與鄰近其他國家相比起步算晚,但從數字看來要達成政府喊出2025行動支付普及率達9成的目標是可挑戰的。
二、透過實際訪談官股銀行(包含H銀行及L銀行)幾位有行動支付及ATM相關專業領域的資深優秀專業主管及專員的方式進行了解探討。問卷內容包括探討目前因行動支付的崛起,現金支付需求日漸減少,導致民眾使用自動櫃員機頻率逐年下降的情形,並提供實體ATM的銀行業者因應策略、目前業務經營模式之修改方式,以及進行實體ATM系統優化的方式,來強化自動櫃員機之通路優勢。
行動支付日漸普及,政府更是大力推展鼓勵民眾使用行動支付方式消費,例如108年8月行政院拍板「內需商家振興輔導方案」結合200多處商圈及中小店家並結合行動支付至108年底,鼓勵消費者使用行動支付方式消費,每月可回饋1000元,最多3個月的優惠好康;再加上109年政府確定因疫情關係需振興國內經濟,舉辦振興三倍券活動,政府也鼓勵民眾多多利用行動支付方式綁定消費,再再顯示政府推動以行動支付方式來取代現金支付,對無現金的社會,總一天會來臨。所以本研究者期望本研究結果能夠帶給相關提供實體ATM的銀行業者,因無現金的交易模式慢慢增加,對於自動櫃員機提供提領現金的服務必須有所調整並且提早因應準備,持續帶給民眾優質的服務也帶給經營者持續有保有自動櫃員機的通路優勢及獲利空間。


The purpose of the thesis is to probe that under the development of financial technology and mobile payments, due to the stability of broadband network and the innovation of payments application, people rely on finishing lots of business with their cellphone; as a result, people are using an app on their mobile phone, instead of paying cash. However, the convenience decreases the use of automatic teller machine(ATM), and it also indirectly affects the position of ATM, the numbers of ATM, and the number of cash inside ATM as well. As a result, the steadily development of mobile payments in Taiwan changed the payment form. It becomes the issue for bankers to consider whether adjust or optimize the ATM service, and it is also the motivation of this thesis.
This thesis mainly investigates whether the open of mobile payments from the government may affect the times and the amounts of withdraw on ATM. If it would be affected, how should the banker solve and adjust its business model to be beneficial for the development.
The thesis mainly uses data analysis and interviews with two professional senior officers from bank industry, to understand the measures for dealing with the progress of mobile payments from banker who providing physical ATM:
First, data analysis. The thesis probes the trading volume and trading amounts every months of ATM derived from the public website of Financial Information Service Company. According to these data, getting that the trading times and amounts of ATM decrease year by year, indeed. Additionally, according to the public data from National Development Council and Financial Supervisory Commission, the proportion of using mobile payments and the trading amounts increase many times over years in Taiwan, from open of mobile payments in 2016. Although the development of mobile payments in Taiwan starts latter than other nearly countries, it is a accomplishable goal that the proportion of mobile payments meet 90% in 2025.
Second, through the interview with several professional senior officers, who are expertize in mobile payment and ATM, from public-operated banks including H bank and L bank. The questionnaire is about the use of ATM decrease gradually year by year, due to the growth of mobile payments. And it also provides some adjustments, strategies and method to optimize ATM system for bankers who has physical ATM service.
Mobile payment is universal gradually and the government encouraged people to use the mobile payment as well. For example, on August in 2019, the Executive Yuan proposed a program which is about revitalizing domestic merchants. The program combines more than 200 merchants and the mobile payments. The government will feedback 1000 NT dollars per month in three months to encourage customers paying with mobile payments. Additionally, due to the covid-19 in 2020, the government held triple stimulus voucher program to boost the economy, and it also encourage people loading the triple stimulus voucher onto their mobile payment device. It seems that the government actively promote the mobile payment, instead of cash payment and it also seems that it may be no cash payment in the future. As a result, hope the thesis can bring some information to bankers, who provide ATM service, to help them prepare for the change of payment style. By doing so, it will bring quality service for customers and also bring advantages and profit for bankers.

摘要 I ABSTRACT III 誌謝 V 目錄 VI 圖目錄 VIII 表目錄 IX 附錄表目錄 X 第一章 緒論 1 第一節 研究背景與動機 1 第二節 研究目的 5 第三節 研究範圍與流程 7 第二章 文獻探討 9 第一節 行動支付之定義 9 第二節 行動支付概況 10 第三節 影響銀行業自動提款機業務實證文獻 13 第三章 研究方法 16 第一節 資料收集與分析 16 8 第二節 個案訪談 19 第四章 研究分析 23 第一節 針對消費者使用自動化服務機器之現況 23 第二節 行動支付所帶來無現金社會,對自動化服務機器現金提領的因應之 調查 28 第五章 結論與建議 30 第一節 研究結論 30 第二節 後續研究方向 31 參考文獻 32 中文部分 32 英文部分 33 網路部分 33 附錄 34 附錄一 34 附錄二 38 附錄三 43

中文部分
1.何澤欣;黃勢璋(2014),邁向行動支付的新金融消費時代,期刊/會議論文集名稱:經濟前瞻,卷期:156期。
2.卓卿瑩(2014),影響銀行ATM使用效益之決定因素-以F銀行為例,國立高雄大學國際高階經營管理碩士在職專班碩士論文。
3.林桔楞(2008),自動櫃員機委外管理之研究,世新大學資訊管理學研究所(含碩專班)論文。
4.金融監督管理委員會(2018),行動支付與電子化支付普及之關鍵,期刊/會議論文集名稱:台灣經濟論衡,卷期:16卷2期。
5.侯彥伶(2020),嗶經濟當道 行動支付商機破千億元-向鈔票宣戰 無現金掀起新一波支付革命,禪天下,179期期刊。
6.國家發展委員會 (2019),政府推動行動支付的三大主軸。
7.黃振萬(2004),影響台灣地區金融機構自動櫃員機交易量之因素探討,淡江大學國際貿易學系國際企業學碩士班論文。
8.楊連發(2019),行動支付發展對銀行自動提款機業務之影響,大葉大學管理學院碩士班碩士論文。
9.資策會產業情報研究所,MIC(2019)。
10.劉玉璇(2020),行動支付發展對銀行業自動櫃員機業務之影響―泛公股銀行與民營銀行之比較,大葉大學管理學院碩士在職專班論文。
11.謝懷德(2002),台灣地區自動櫃員機區位選擇因素之研究,國立交通大學科技管理研究所碩士論文。
12.簡靖芬(2015),銀行自動櫃員機(ATM)交易類型及收益之主要影響因素研究,輔仁大學統計資訊學系應用統計碩士在職專班碩士論文。
英文部分
1.Dahlberg, T., N. Mallat, J. Ondrus, and A. Zmijewska, (2008), “Past,Present and Future of Mobile Payments Research: A literature review,” Electronic Commerce Research and Applications, 7(2), 165-181
網路部分
1.財金資訊股份有限公司,開放資料(2020/05):
「金融卡-交易類別(餘額查詢/提款/轉帳/繳費/繳稅)」結構比統計(月報)
「金融卡-交易類別(餘額查詢/提款/轉帳/繳費/繳稅)」結構比統計(年報)
「金融卡-交易值」統計(月報)
「金融卡-交易值」統計(年報)
https://www.fisc.com.tw/tc/knowledge/opendata.aspx

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