隨著銀行數位化的發展，銀行不僅限於在分行實體通路等營業據點提供金融服務，而是結合網路銀行與智慧型手機APP行動銀行提供更便利的服務。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，成為互聯網金融提供重要基礎。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，以法律、市場、金流三個構面及十二個因素，發放專家問卷進行調查。採用決策實驗室法分析回收之問卷資料，評定其中準則與次準則間之關聯度與相互影響關係，企圖找出銀行業承做第三方支付業務之關鍵評估因素，進而提出銀行業發展第三方支付業務可能帶來之業務擴張與收益，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。

Along with the digitization of the bank, the bank is not only providing financial services via entities branches, but also combination of internet banking and smart phone APP to provide more convenient services. 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 has become the focus of the development of e-commerce. The third-party payment platform integrates a large number of users with the electronic money. It is the important foundation of internet banking. It will become the first choice of customers on internet bank and mobile payment. This study summarized risks and potential business opportunities of third-party payment service of bank development from literatures. Based on three dimensions of legislation, market, cash flow and twelve factors, expert questionnaires are issued. The Decision Making and Trail Evaluation Laboratory (DEMATEL) is applied to analyze the data of questionnaires, and the weight of the relationship between the criterion and the sub-criteria, is evaluated to find out the determinant factor of bank undertaking third-party payment business decision. The benefits and the potential expansion of business are expected to be proposed further to be the business decision-making reference for banks.