台灣在網路銀行與行動支付模式的發展已到達成熟階段，為銀行第三方支付業務提供良好的發展環境。第三方支付近年來已為銀行業發展電子商務的重點之一，第三方支付平台聚集了大量用戶與電子貨幣，未來將成為網路銀行與行動支付客戶的首要通路。本研究由相關文獻中歸納銀行發展第三方支付之風險與其潛在商機，以市場、收益、風險三個構面及十二個因素。首先應用決策實驗室法分析回收之問卷資料中構面與因素間之相互影響關係，再以模糊網路層級分析法與敏感度分析，評定其中準則與指標間之權重關係並加以排序以及進行替代方案之選擇，企圖找出銀行業承做第三方支付業務之關鍵評估因素。最後進而提出銀行業承做第三方支付業務後可能發展之經營模式與替代方案，期望提供有意承做第三方支付業務之銀行決策時之參考依據。
The development of internet banking and mobile payment pattern has reached a mature phase in Taiwan, which provides the third-party payment business for the bank a favorable environment. Third-party payment is one of the focus of the development of e-commerce for the banking industry recently. The third-party payment platform has brought together a large number of users with the electronic money. It will become the first choice of customers on internet bank and mobile payment. This study summarized risks and potential business opportunities of bank development of third-party payment service in related literature, with three dimensions of Market, Income, Risk and twelve factors. First, this study applied DEMATEL to analyze the impact between dimensions and factors of questionnaires. Then, applying Fuzzy Analytic Network Process and Sensitivity Analysis to evaluate the weight of criteria and indicators and conduct prioritization to choose alternative projects. Finally, the study tried to find out the determinant factor of bank undertaking third-party payment business decision, further more propose the third-party payment model of bank possible to develop and alternative projects, expect to offer bank which intends to undertake the third party payment business decision-making reference.
