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йҡЁи‘—з¶Іи·Ҝ科жҠҖзҡ„иҲҲиө·еҸҠиЎҢеӢ•иЁӯеӮҷзҡ„жҷ®еҸҠпјҢеё¶еӢ•е•ҶжҘӯжЁЎејҸзҡ„еүөж–°пјҢйӣ»еӯҗе•ҶеӢҷ蓬еӢғзҷјеұ•пјҢйӣ»еӯҗж”Ҝд»ҳжңҚеӢҷпјҲ第дёүж–№ж”Ҝд»ҳпјүжҳҜиҝ‘дҫҶзҶұй–Җзҡ„иӯ°йЎҢд№ӢдёҖгҖӮиІ·иіЈйӣҷж–№зҡ„дәӨжҳ“жғ…еўғеҫһеҜҰй«”ж“ҙж•ЈиҮіз¶Іи·ҜпјҢд№ҹж”№и®ҠдәәеҖ‘иҲҮйҮ‘иһҚж©ҹж§Ӣй–“зҡ„дә’еӢ•й—ңдҝӮгҖӮзӮәеӣ жҮүеңӢж°‘жүҖеҫ—еўһеҠ еҸҠж¶ҲиІ»ж„Ҹиӯҳй«ҳжјІзӯүи®ҠеҢ–пјҢиә«зӮәжңҚеӢҷжҘӯзҡ„йҮ‘иһҚж©ҹж§ӢпјҢ經зҮҹиЎҢйҠ·зҡ„жң¬иіӘеңЁж–је……еҲҶж»ҝи¶ійЎ§е®ўзҡ„йңҖжұӮпјҢд№ҹе°ұеҝ…й ҲйҮҚиҰ–гҖҢйЎ§е®ўж»ҝж„ҸеәҰгҖҚпјҲCustomer Satisfactionпјүзҡ„е…·й«”ж„Ҹж¶өгҖӮиӘ еҰӮгҖҠBank3.0пјҚйҠҖиЎҢиҪүеһӢжңӘдҫҶејҸгҖӢй–Ӣе®—жҳҺзҫ©жҢҮеҮәпјҡгҖҢBanking is no longer a place you go, but something you doгҖҚгҖӮдҝқйҡңз¶Іиіјж—ҸжҺЁе®Ңе–„з¶Іи·ҜйҮ‘жөҒеңЁйҖҷзЁ®ж•ёдҪҚеҢ–зҡ„жҪ®жөҒдёӢпјҢйҮ‘иһҚж©ҹж§Ӣеҝ…й Ҳй ҶжҮү科жҠҖзҡ„еҝ«йҖҹи®ҠйҒ·пјҢжҺҢжҸЎж•ёдҪҚеҢ–зҷјеұ•и¶ЁеӢўпјҢй–Ӣзҷјеүөж–°зҡ„ж•ёдҪҚеҢ–йҮ‘иһҚе•Ҷе“ҒжҲ–жңҚеӢҷпјҢз”ұйҠҖиЎҢж“”д»»иІ·иіЈйӣҷж–№дәӨжҳ“ж”Ҝд»ҳзҡ„дёӯд»Ӣи§’иүІпјҢи®“йӣ»еӯҗе•ҶеӢҷдәӨжҳ“дёӯиІ·иіЈйӣҷж–№зҡ„ж¬ҠзӣҠзҚІеҫ—дҝқйҡңпјҢж»ҝи¶ійӣ»еӯҗе•ҶеӢҷдәӨжҳ“йҠҖиІЁе…©иЁ–зҡ„зӣ®жЁҷгҖӮиІЎеңҳжі•дәәеҸ°зҒЈз¶Іи·ҜиіҮиЁҠдёӯеҝғпјҲTaiwan Network Information Center, TWNICпјүд№Ӣ2015 е№ҙгҖҢеҸ°зҒЈеҜ¬й »з¶Іи·ҜдҪҝз”ЁиӘҝжҹҘгҖҚзөҗжһңйЎҜзӨәпјҢеңӢдәәдёҠз¶ІзҺҮеҫһ2014е№ҙиӘҝжҹҘд№Ӣ75.6%пјҢдёҠеҚҮеҲ°80.3%пјҢжҺЁдј°жҲ‘еңӢдёҠз¶Ідәәж•ёйҒ”1,883иҗ¬дәәгҖӮе…¶дёӯпјҢ18иҮі30жӯІж°‘зңҫзҡ„дёҠз¶ІзҺҮйҒ”100%пјҢзӮәз¶Іи·Ҝдё»иҰҒзҡ„дҪҝз”Ёж—ҸзҫӨпјӣдҪҝз”ЁйҒҺиЎҢеӢ•дёҠз¶Ізҡ„еҸ—иЁӘиҖ…дёӯпјҢ19.8%дҪҝз”ЁйҒҺиЎҢеӢ•йҠҖиЎҢпјҢ15%дҪҝз”ЁйҒҺиЎҢеӢ•ж”Ҝд»ҳпјҢдҪҝз”ЁиЎҢеӢ•йҠҖиЎҢд№ӢжңҚеӢҷй …зӣ®д»ҘгҖҢиҪүеёігҖҚзҡ„жҜ”зҺҮжңҖй«ҳпјҲ69%пјүгҖҒгҖҢеёіжҲ¶жҹҘи©ўгҖҚпјҲ62.9%пјүж¬Ўд№ӢпјҢдҪҝз”ЁиЎҢеӢ•ж”Ҝд»ҳзҡ„й …зӣ®д»ҘгҖҢиЎҢеӢ•еёіе–®д»ҳж¬ҫгҖҚпјҲ49.7%пјүзҡ„жҜ”зҺҮжңҖй«ҳгҖӮеңӢйҡӣзө„з№”VisaзӮәдәҶи§Јж¶ҲиІ»иҖ…зҡ„з¶Іи·ҜдҪҝз”Ёзҝ’ж…ЈпјҢ委託尼зҲҫжЈ®иЎҢйҠ·з ”究顧е•Ҹе…¬еҸёеҹ·иЎҢзҡ„гҖҢ2015е№ҙVisaйӣ»еӯҗе•ҶеӢҷж¶ҲиІ»иҖ…иӘҝжҹҘгҖҚ研究дёӯжҢҮеҮәпјҢй«ҳйҒ”93%зҡ„иҮәзҒЈж¶ҲиІ»иҖ…пјҢеңЁйҒҺеҺ»дёҖе№ҙе…§жңүз¶Іи·Ҝиіјзү©з¶“й©—пјҢйЎҜзӨәз¶Іи·Ҝиіјзү©е·ІжҳҜиҮәзҒЈж°‘зңҫзҝ’д»ҘзӮәеёёгҖҒдёҚеҸҜжҲ–зјәзҡ„дёҖйғЁеҲҶпјҒйҡЁи‘—з¶Іи·Ҝиіјзү©жҲҗзӮәж—Ҙеёёз”ҹжҙ»зҡ„дёҖзЁ®зҝ’ж…ЈпјҢжҜ”иө·еҜҰй«”е•Ҷеә—пјҢиҮәзҒЈж¶ҲиІ»иҖ…иіјиІ·зү№е®ҡзЁ®йЎһе•Ҷе“ҒжҷӮжңғжӣҙеӮҫеҗ‘йҖҸйҒҺз¶Іи·ҜиіјиІ·пјҢеҢ…жӢ¬жҙ»еӢ•зҘЁеҲёпјҲ69%пјүгҖҒйҮ‘иһҚжңҚеӢҷпјҲ64%пјүгҖҒж•ёдҪҚе…§е®№пјҲ62%пјүгҖҒж—…йҒҠпјҲ61%пјүе’ҢжӣёзұҚгҖҒCDгҖҒDVDпјҲ54%пјүгҖӮдәӨжҳ“зёҪйӣўдёҚй–ӢгҖҢйҮ‘йҢўгҖҚзҡ„иҷ•зҗҶпјҢиҖҢгҖҢйҮ‘жөҒгҖҚеүҮзӮәе•ҶжҘӯиЎҢзӮәйҒҺзЁӢдёӯеҫҲйҮҚиҰҒзҡ„дёҖз’°пјҢйҖҸйҒҺйҮ‘иһҚжҘӯзҡ„з¶Іи·ҜйҮ‘жөҒжңҚеӢҷпјҢзөҗеҗҲ第дёүж–№ж”Ҝд»ҳд№Ӣд»ҳж¬ҫж©ҹеҲ¶пјҢдҪҝдәӨжҳ“жӣҙжңүдҝқйҡңгҖӮиҮәзҒЈйҠҖиЎҢжҢҒзәҢз§үжҢҒзҷҫе№ҙиҖҒеә—зҡ„е„ӘиүҜеӮізөұиҲҮдјҒжҘӯзІҫзҘһпјҢиӘ“жҲҗе…Ёж°‘иІЎеҜҢжңҖе®үеҝғзҡ„е®Ҳиӯ·зҘһпјӣеңЁдёҚж–·зҡ„иҝҪжұӮеүөж–°пјҢжңҹд»ҘжҸҗдҫӣжӣҙе®Ңе–„зҡ„жңҚеӢҷдҪҝе‘ҪдёӢпјҢиҮӘ104е№ҙ5жңҲ13ж—ҘеҚіжӯЈејҸжҺЁеҮә第дёүж–№ж”Ҝд»ҳжңҚеӢҷе№іеҸ°вҖ”гҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚпјҢзӮәиІ·иіЈйӣҷж–№жҸҗдҫӣдәӨжҳ“ж¬ҫ項代收代д»ҳзҡ„жңҚеӢҷгҖӮжү®жј”еұ…дёӯиҖ…收д»ҳж¬ҫе·Ҙе…·еӨҡжЁЈгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚжҺЎеҸ–жңғе“ЎеҲ¶пјҢиІ·иіЈж–№жңғе“ЎеқҮйңҖ經йҒҺи©ІиЎҢеҡҙ謹зҡ„еҜҰеҗҚиӘҚиӯүж©ҹеҲ¶пјҢе»әз«ӢйҳІжӯўз¶Іи·Ҝи©җйЁҷзҡ„第дёҖйҒ“йҳІз·ҡпјҢжҸҗдҫӣе®үе…Ёзҡ„йҮ‘жөҒжңҚеӢҷгҖӮеңЁиІ·иіЈйӣҷж–№зҡ„дәӨжҳ“йҒҺзЁӢжү®жј”еұ…дёӯиҖ…зҡ„и§’иүІпјҢи‘—йҮҚж–јеј·еҢ–жҜҸдёҖзӯҶдәӨжҳ“еғ№йҮ‘зҡ„дҝқз®ЎпјҢзўәдҝқз¶Іи·ҜдәӨжҳ“йҮ‘жөҒе®үе…Ёз„ЎиҷһпјҢдҝқйҡңжңғе“Ўзҡ„ж¬ҠзӣҠпјӣжҸҗдҫӣеӨҡжЁЈеҢ–зҡ„收д»ҳж¬ҫе·Ҙе…·пјҢ讓買家輕й¬Ҷд»ҳж¬ҫпјҢ賣家簡жҳ“收ж¬ҫпјҢдәӨжҳ“ж–№дҫҝеҸҲеҝ«йҖҹпјӣй…ҚеҗҲ賣家йЎһеһӢпјҢдҫқз…§дёҚеҗҢзҡ„йҮ‘жөҒйңҖжұӮпјҢжҸҗдҫӣеҪҲжҖ§еӨҡе…ғзҡ„еҗҲдҪңжЁЎејҸгҖӮе»әз«Ӣе®үе…Ёж”Ҝд»ҳпјҲSecurityпјүгҖҒеёіжҲ¶дҝқйҡңпјҲAccountпјүгҖҒиІЎеҜҢз®ЎзҗҶпјҲFortuneпјүгҖҒз°Ўе–®дёҠжүӢпјҲEasyпјүзҡ„SAFE PAYв”ҖгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚпјҢзҹўеҝ—жҲҗзӮә買家иҲҮ賣家з·ҡдёҠж”Ҝд»ҳзҡ„еҘҪеӨҘдјҙгҖӮгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚжҘӯеӢҷеӣ жҮүз·ҡдёҠж”Ҝд»ҳеёӮе ҙеӨҡи®ҠеҢ–зҡ„и¶ЁеӢўпјҢеҸҜжҸҗдҫӣе®ўжҲ¶еҖӢдәәеҢ–еёіеӢҷз®ЎзҗҶзҡ„жңҚеӢҷпјҢе°Қ買家дҫҶиӘӘпјҢйҖҸйҒҺгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚпјҢд»ҘйҮ‘иһҚеҚЎпјҲз¶Іи·ҜATMгҖҒеҜҰй«”ATMпјүеҸҠдҝЎз”ЁеҚЎзӯүж–№ејҸд»ҳж¬ҫпјҢеҸҜд»Ҙиј•й¬Ҷж–№дҫҝең°зҚІеҫ—дәӨжҳ“ж“”дҝқгҖӮдҝҹеғ№йҮ‘дҝқз®Ўжңҹж»ҝжҲ–買家зўәиӘҚ收еҲ°иіЈе®¶зҡ„е•Ҷе“ҒеҫҢжҢҮзӨәд»ҳж¬ҫпјҢгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚжүҚе°Үж¬ҫй …иҪүд»ҳзөҰ賣家пјҢйҳІе өи©җйЁҷеҸҠжёӣе°‘ж¶ҲиІ»зҙӣзҲӯпјӣе°Қ賣家иҖҢиЁҖпјҢйҖҸйҒҺгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚпјҢеҸҜд»ҘиҰҸйҒҝ無法收еҲ°иІ·е®¶иІЁж¬ҫзҡ„йўЁйҡӘпјҢеҗҢжҷӮиғҪеӨ йҖҸйҒҺеӨҡжЁЈеҢ–зҡ„收ж¬ҫе·Ҙе…·пјҢеҝ«йҖҹе®ҢжҲҗйҠ·еёіеҸҠ收ж¬ҫдҪңжҘӯпјҢйҷҚдҪҺжҲҗжң¬дёҰзҜҖзңҒжҷӮй–“пјӣе°ҚиҮәзҒЈйҠҖиЎҢиҖҢиЁҖпјҢе°ҮжңҚеӢҷжЁЎејҸеҫһз”ўе“Ғе°Һеҗ‘иҪүеҢ–жҲҗе®ўжҲ¶е°Һеҗ‘пјҢз©ҚжҘөзҡ„иһҚе…Ҙе®ўжҲ¶зҡ„з”ҹжҙ»дёӯпјҢйҒ©жҷӮзӮәе…¶жҸҗдҫӣйҠҖиЎҢиІјеҝғзҡ„жңҚеӢҷпјҢеҸҜд»ҘеўһиЈ•зҮҹ收гҖҒжҸҗеҚҮжңҚеӢҷе“ҒиіӘдёҰзөҗеҗҲиЎҢйҠ·жҙ»еӢ•пјҢй–ӢжӢ“еҮәжӣҙе»ЈеӨ§зҡ„е•Ҷж©ҹгҖӮзөҗеҗҲйҡЁз¶“жҝҹж”»еүөж–°йҮ‘иһҚжңҚеӢҷйҮ‘иһҚзӣЈзқЈз®ЎзҗҶ委員жңғзӮәдҝғйҖІйӣ»еӯҗж”Ҝд»ҳж©ҹж§ӢеҒҘ全經зҮҹеҸҠзҷјеұ•пјҢжҸҗдҫӣе®үе…ЁдҫҝеҲ©д№ӢиіҮйҮ‘移иҪүжңҚеӢҷпјҢдёҰи—үз”ұеј·еҢ–йӣ»еӯҗж”Ҝд»ҳж©ҹж§ӢеҸҠе…¶жҘӯеӢҷд№Ӣз®ЎзҗҶжҺӘж–ҪеҸҠйўЁйҡӘжҺ§з®Ўж©ҹеҲ¶пјҢд»ҘжңҹйҒ”жҲҗе»әз«Ӣж¶ҲиІ»иҖ…дҪҝз”Ёйӣ»еӯҗж”Ҝд»ҳд№ӢдҝЎеҝғгҖҒйҷҚдҪҺе°ҸйЎҚдәӨжҳ“ж”Ҝд»ҳд№ӢжҲҗжң¬еҸҠзҮҹйҖ е°ҸеһӢиҲҮеҖӢдәәе•Ҷ家зҷјеұ•д№ӢжңүеҲ©з¶“зҮҹз’°еўғд№Ӣзӣ®жЁҷпјҢзү№еҲ¶е®ҡгҖҢйӣ»еӯҗж”Ҝд»ҳж©ҹж§Ӣз®ЎзҗҶжўқдҫӢгҖҚпјҢд»ҘеҲ©жҘӯиҖ…йҒөеҫӘеҸҠдё»з®Ўж©ҹй—ңзӣЈз®ЎгҖӮиҮәзҒЈйҠҖиЎҢжҳҜзҷҫеҲҶд№Ӣзҷҫзҡ„е…¬зҮҹйҠҖиЎҢпјҢжҺЁеҮәгҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚпјҢе°ұжҳҜдҫқз…§и©Із®ЎзҗҶжўқдҫӢиҰҸе®ҡпјҢжҸҗдҫӣгҖҢд»ЈзҗҶ收д»ҳеҜҰиіӘдәӨжҳ“ж¬ҫй …гҖҚзҡ„жңҚеӢҷпјҢжңҹжңӣиғҪжҸҗдҫӣеҖӢдәәиҲҮдјҒжҘӯпјҢдёҖеҖӢжӣҙе®үе…ЁеҸҜйқ зҡ„з¶Іи·ҜдәӨжҳ“з’°еўғпјҢйҖҸйҒҺиЁӯз«ӢйҖЈзөҗпјҢеҚіеҸҜеңЁеҖӢдәәзҡ„з¶Ій ҒжҲ–жҳҜйғЁиҗҪж јдҪҝз”ЁпјҢж–№дҫҝеҸҲиІјеҝғгҖӮиҮәзҒЈйҠҖиЎҢжңӘдҫҶд»Қе°ҮдҝқжҢҒдёҖиІ«з©ҚжҘөж…ӢеәҰпјҢд»ҘгҖҢ科жҠҖгҖҚзӮәеҹәзӨҺпјҢеҒҡзӮәзҷјеұ•еүөж–°гҖҢйҮ‘иһҚжңҚеӢҷгҖҚзҡ„еј•ж“ҺиҲҮеӢ•еҠӣпјҢиЎҢйҠ·3.0д»ҘиҝҪжұӮеғ№еҖјзӮәзӣ®жЁҷпјҢеј·иӘҝжҲҗж•—зҡ„й—ңйҚөеңЁж–јиғҪеҗҰи§ёеӢ•йЎ§е®ўзҡ„еҝғејҰпјҢйҖІиҖҢиҲҮйЎ§е®ўз”ўз”ҹеҝғйқҲзҡ„е…ұйіҙгҖӮеңЁз¬ҰеҗҲжі•д»ӨиҰҸзҜ„дёӢпјҢжҢҒзәҢжҸҗеҚҮжңҚеӢҷе“ҒиіӘпјҢеҢ…жӢ¬еўһеҠ е„ӘиіӘеә—家гҖҒиұҗеҜҢе•Ҷе“ҒзЁ®йЎһгҖҒз°ЎдҫҝиІЁж¬ҫжҹҘи©ўгҖҒе®ўиЈҪеҢ–еёіеӢҷз®ЎзҗҶзӯүеҠҹиғҪпјӣеңЁеҡҙ謹зҡ„е®үжҺ§ж©ҹеҲ¶дёӢпјҢиЁӯиЁҲеҸӢе–„зҡ„дҪҝз”Ёд»ӢйқўпјҢж”№е–„жңҚеӢҷе“ҒиіӘгҖҒйўЁйҡӘз®ЎзҗҶпјҢдёҰжҸҗеҚҮж•ҲзҺҮпјҢеј·еҢ–дҪҝз”ЁиҖ…й«”й©—пјҢй…ҚеҗҲж–°еһӢж…ӢжҠҖиЎ“зҡ„жҮүз”ЁпјҢжү“йҖ гҖҢеҚіжҷӮгҖҒз°Ўе–®гҖҒжңүи¶ЈгҖҚзҡ„ж•ёдҪҚжңҚеӢҷгҖӮи®“гҖҢеҸ°йҠҖ收йҠҖеҸ°гҖҚзөҗеҗҲгҖҢйҡЁз¶“жҝҹгҖҚпјҲUbiquinomicsпјүзҡ„зІҫзҘһпјҢйҡЁжҷӮгҖҒйҡЁең°гҖҒйҡЁз·ЈгҖҒйҡЁиҷ•гҖҒйҡЁж”Ҝд»ҳгҖҒйҡЁйҖҡи·ҜпјҢжҲҗзӮәдёҖеҖӢеҸҜд»Ҙи®“дәәйҡЁеҝғжүҖж¬ІгҖҒйҡЁиә«ж”ңеё¶зҡ„жңҚеӢҷпјҢдёҰз§үжҢҒгҖҢжҢҒзәҢеүөж–°гҖҒз©©еҒҘиёҸеҜҰгҖҚзҡ„е®—ж—ЁпјҢж“ҙеӨ§йӣ»еӯҗе•ҶеӢҷзҡ„жңҚеӢҷйқўпјҢи—үд»ҘеӣһйҘӢе®ўжҲ¶й•·д№…д»ҘдҫҶе°Қи©ІиЎҢзҡ„ж”ҜжҢҒиҲҮж„ӣиӯ·пјҢеҗҢжҷӮи®“иҮәзҒЈйҠҖиЎҢйҖҷеЎҠиҖҒеӯ—иҷҹзҡ„йҮ‘еӯ—жӢӣзүҢжҢҒзәҢй–ғиҖҖгҖҒжӯ·д№…еҪҢж–°пјҒ