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研究生:胡予綸
研究生(外文):Yu-Lun Hu
論文名稱:開發中國家使用行動支付的影響因素研究
論文名稱(外文):The Study on the Influencing Factors of Using Mobile Payments in Developing Country
指導教授:鄭仁偉鄭仁偉引用關係
指導教授(外文):Jen-Wei Cheng
口試委員:鄭仁偉陳俊男呂志豪
口試委員(外文):Jen-Wei ChengChun-Nan ChenShih-Hao Lu
口試日期:2021-06-07
學位類別:碩士
校院名稱:國立臺灣科技大學
系所名稱:企業管理系
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2021
畢業學年度:109
語文別:英文
論文頁數:32
中文關鍵詞:行動支付金融技術金融機構無銀行帳戶
外文關鍵詞:Mobile paymentFinTechFinancial institutionUnbanked
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由於先進的網路技術,巨大的客戶潛力以及市場的快速增長,近年來行動支付的使用量呈上升趨勢。新開發的行動支付技術正在幫助傳統上被排除在正規金融體系之外的人們獲得金融服務,同時有人認為,在這場金融科技革命下,世界正在轉變為無現金社會。 本研究旨在通過對發展中國家的行動支付的興起進行橫截面迴歸分析,研究行動支付帳戶與金融機構帳戶,人均GDP和教育等不同指標之間的關係,從而探討發展中國家移動支付的興起和影響因素。結果表明,移動支付比率可能會在金融設施較不完善或較貧困的地區有所上升。
Mobile payment usage is on the rise in recent years due to advanced technology, great potential, and rapid growth on the market. This newly developed technology is said to be helping those who were traditionally excluded from the formal financial system to gain access to financial services while some suggest the world is transforming into a cashless society under this FinTech revolution. This study aims to mobile payment rising in developing country and examine the influencing factors of mobile payment usage by conducting a cross-sectional regression analysis to examine the relations between mobile money account and different indicators such as financial institution accounts, GDP per capita, and school enrollment ratio. The results reveal that that mobile payment may be reaching out to the underprivileged who were previously unbanked.
中文摘要 I
Abstract II
致謝 III
List of Figure V
List of Table VI
CHAPTER 1 INTRODUCTION 1
1.1 Research Background 1
1.2 Research Purpose 2
CHAPTER 2 LITERATURE REVIEW 3
2.1 Financial Technology and Mobile Payment 3
2.2 Legislative Background on Mobile Payment 4
2.3 Mobile Payment Rate Rising In Developing Country 7
CHAPTER 3 METHODOLOGIES 11
3.1 Research Method 11
3.2 Research Varible 11
3.3 Data Sources 12
CHAPTER 4 RESULTS 13
CHAPTER 5 DISCUSSION 15
5.1 Financial Institution Account and Mobile Money Account 15
5.2 Other Independent Variables 17
CHAPTER 6 CONCLUSION 18
Reference 19
Appendix 21
Board of Governors of the Federal Reserve System (2015). Consumers and Mobile Financial Services, 2015.
https://www.federalreserve.gov/econresdata/consumers-and-mobile-financial- services-report-201503.pdf

Buchholz, K. (2019). China's Mobile Payment Adoption Beats All Others. Statista.
https://www.statista.com/chart/17909/pos-mobile-payment-user-penetration- rates/

CFA Institute (2016). Fintech Survey Report.
https://www.cfainstitute.org/ survey/fintech_survey.pdf

Clement, J. (2019) Number of PayPal's total active registered user accounts from 1st quarter 2010 to 2nd quarter 2019 (in millions).Statista
https://www.statista.com/statistics/218493/paypals-total-active-registered- accounts-from-2010/

Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess (2018). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank.

Gimigliano, G. (2016). Bitcoin and Mobile Payments: Constructing a European Union Framework. UK, Basingstoke: Springer Nature.

Goldstein, I., Jiang, W. & Karolyi, G. A. (2019). To FinTech and Beyond. Review of Financial Studies, Vol. 32, No. 5, PP.1647-1661

Kharif, O. & Chen, Y. (2018). My Phone Is My Wallet. Bloomberg.
https://www.bloomberg.com/quicktake/mobile-payments

Lerner, T. (2013). Mobile Payment. Germemy, Heidelberg: Springer Vieweg.

Lianos, L., Hacker, P., Eich, S., & Dimitropoulos, G. (2019). Regulating Blockchain: Techno-Social and Legal Challenges. UK: Oxford University Press.

Merchant Savvy, (2019). 30 Amazing Stats Demonstrating the Unstoppable Rise of Mobile Payments Globally. Merchantsavvy.
https://www.merchantsavvy.co.uk/mobile-payment-stats-trends/

Nicoletti, B. (2014). Mobile Banking: Evolution or Revolution? Germemy, Heidelberg: Springer Vieweg.

Pollari, I. & Ruddenklau, A. (2019). The Pulse of Fintech 2018 - Biannual global analysis of investment in fintech. Netherlands, Amsterdam : KPMG.

Shapshak, T. (2018). How Mobile Money Continues To Boom In Africa. Forbes.
https://www.forbes.com/sites/tobyshapshak/2018/11/27/how-mobile-money- continues-to-boom-in-africa/#2cde7cab205c.

Sushila, M. (2016). Securing Transactions and Payment Systems for M- Commerce (1st ed). USA Pennsylvania: IGI Global.

Patrick, H.T. (2014). Financial development and economic growth in underdeveloped countries. Open Access Library Journal, Vol.1 No.8, PP.174-189.

UNESCO Institute for Statistics. School enrollment, primary (% gross). World Bank.
https://data.worldbank.org/indicator/SE.PRM.ENRR?view=chart

World Bank national accounts data, and OECD National Accounts data files. GDP per capita (current US$). World Bank.
https://data.worldbank.org/indicator/NY.GDP.PCAP.CD?view=chart
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