數位金融科技，是將既有的金融服務模式(incumbents)，加入新型創新元素(innovation)資訊科技，並整合現有的服務型利基模式，改變成更具規模經濟，以及高效能的金融供應鏈的產能。因此電子支付在台灣，在不同產業,呈現出新興的非現金轉帳，與傳統電子錢包應用方式更為進步，在同步以大數據整合的模式下，逐漸演變成而有力的新興支付趨勢，因為快速同步扣款，即時性的金融消費轉帳,交換功能模式，可以減少消費者，攜帶大量現金，隨身消費的模式。並相較於支付寶模式。現行台灣的數位金融交易是透過悠遊卡推出的數位付款得機制，其做法利用數位智慧支付平台，來進行金融支付公部門以及私人規費繳交。讓使用第三方支付的消費者能更便利，利用無線金融轉帳平台來進行轉帳功能。

Electronic Payment in Taiwan as becoming emergency business mode between public administration and personal privet consumer mode. It has continuous use wireless payment and financial transaction styles to combine existing emergency payment tendency .Due to the fact that this new payment system is become the government stand code of financial transaction network as real time, huge times, fast pay it off mode. This business mode is able to provide a series of big data for customer daily life used. Nowadays, the payment systems through digital chain linking style to be use as dressing apparatus on body to payment, Whatever the payoff is to be use in public or private areas.