隨著金融數位及資訊產業的快速發展，帶動一般消費習慣的改變。一般的支付模式除了傳統紙幣、信用卡的使用外，也出現新興的電子支付的交易模式。因此，本研究分析中國與美國兩個國家的支付模式及產業發展的趨勢及背景現況，並針對支付模式的使用觀念進一步的探討，進而參考台灣現狀以為未來台灣在資訊金融上的商業發展改變的參考。本研究依目前中國與美國的支付商業模式，以九宫格商業模式整理歸納出其支付模式商業模式之導向，同時根據我國政府法規與相關補助措施，得出台灣未來可能的支付模式商業模式，並提出未來台灣支付模式發展商業模式之相關建議。
本研究採用質性研究方法，針對蒐集之次級資料與各國相關研究報告等進行分析，主要歸納出中國與美國支付商業模式。結論及研究發現後建議為-(1)、各國皆採用多元化之模式進入大眾市場，為本研究發現之一；該發現及各國支付模式產業之商業模式可作為台灣發展之借鏡，並發展出適用於台灣支付模式產業之商業模式。(2)、台灣支付模式初期以則為以支付商業模式作為主軸，而後參考各國商業模式可再進一步發展其他金融服務，此為本研究之重點之二；(3)、最後提供本研究進一步之相關建議，可從公共政策的制定、仿效各國計畫於支付模式市場，等著手推廣支付模式市場，為本研究之重點之三。

With the financial figures and the rapid development of information industry, driven by changes in general consumption habits. In addition to traditional paper money, the use of credit cards, there are emerging electronic payment transactions. Therefore, this study analyzes the payment model and the development trend of the two countries in China and the United States, and further discusses the concept of the use of the payment model, and then refers to the current situation of Taiwan's future changes in the financial development of information finance in Taiwan reference.Based on the current payment model of China and the United States, this paper summarizes the business model of the payment model business model, and draws the future possible payment model business model according to the government regulations and related subsidy measures in China. The future of Taiwan to pay the model to develop business model of the relevant recommendations.
In this study, the qualitative research method is used to analyze the secondary data collected from each country and related research reports, which mainly summarizes the business model of payment between China and the United States. (1), countries have adopted a diversified model to enter the mass market, one of the findings of this study; the discovery and national payment model industry business model can be used as a platform for the development of Taiwan, and the development of the Applicable to the business model of Taiwan payment model industry. (2), the early payment model in Taiwan to pay the business model as the main axis, and then refer to the national business model can further develop other financial services, this is the focus of this study; (3), and finally provide further study of this study Relevant proposals can be made from the formulation of public policy, follow the example of countries in the payment model market, and so on to promote the payment model market, the focus of this study.

中文部分
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英文部分
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