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NAAS Journal 2026

International Journal Of Engineering, Business And Management(IJEBM)

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  3. Vol-10,Issue-1, January - March 2026
  4. Payment Revolution: Development Trajectory of Mobile Payment and International Comparison

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Payment Revolution: Development Trajectory of Mobile Payment and International Comparison

Jui-Hsi Cheng , Di-Yu Lei


International Journal of Engineering, Business And Management(IJEBM), Vol-10,Issue-1, January - March 2026, Pages 12-18 , 10.22161/ijebm.10.1.2

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Article Info: Received: 18 Feb 2026; Received in revised form: 21 Mar 2026; Accepted: 25 Mar 2026; Available online: 30 Mar 2026

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With the advancement of technology, it is now commonplace for everyone to own a smartphone. In recent years, various innovative functions have been developed, among which "mobile payment" has enhanced the convenience of consumption, allowing people to go shopping with just a mobile phone. With the change in consumption patterns and the proliferation of smartphones and the internet, mobile payment is gradually replacing traditional payment methods. Therefore, our project group has chosen "mobile payment" as our theme to explore its development trends in Taiwan and its impact on the public. A cashless society represents the optimization and increased efficiency of the overall financial system, as well as encouraging industrial innovation and providing innovative services. Through this project, we aim to guide the public through the trajectory of this transformation [1]. This project will examine how mobile payment has evolved from its inception to the present, covering Bank 1.0 to 4.0 and the issue of mobile payment penetration in Taiwan. Finally, we will look at future prospects and how to significantly increase the usage rate of mobile payment in Taiwan within an effective timeframe.

Mobile Payment, Third-Party Payment, Electronic Payment, Cashless Society, Financial Technology.

[1] Market Intelligence & Consulting Institute. (2020). Taiwan Mobile Payment Consumer Behavior Survey Report. Taipei: Institute for Information Industry.
[2] King, B. (2018). Bank 4.0: Banking Everywhere, Never at a Bank. John Wiley & Sons.
[3] Financial Supervisory Commission. (2020). Business Overview and Development Strategies of Electronic Payment Institutions. Taipei: Financial Supervisory Commission.
[4] Xu, Z., & Zhang, Y. (2020). From Alipay to WeChat Pay: The evolution of mobile payments in China. China Economic Journal, 13(2), 110–128.
[5] Economic Division, Ministry of Economic Affairs (Tokyo). (2019). Current Status and Challenges of Mobile Payment Development in Japan. Tokyo: Ministry of Economic Affairs.
[6] Lee, S., & Kim, J. (2019). Mobile payment adoption in South Korea: A policy perspective. Journal of Digital Finance, 7(2), 45–62.
[7] Wang, Y., & Chen, L. (2020). QR code-based payment systems in Singapore: A case study of government-led integration. Asian Economic Policy Review, 15(1), 88–105.
[8] National Development Council. (2020). Taiwan Digital Economy Development Blueprint: Achieving 90% Mobile Payment Penetration Rate by 2025. Taipei: National Development Council.

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