本研究探討第三方支付平台與銀行間的競合關係，銀行業如何在快速發展的電子商務中開創新的商業模式。伴隨銀行Bank 3.0的金融數位發展，銀行業已加速結合電子商務，在全球電子化商務市場的激烈競爭下，銀行業可藉由網路、社群媒體、行動支付等擴展銀行業的另一片藍海。銀行業本質仍為金流的服務管理，基於沒有多年的網際網路實戰經驗，較難發展出突破式創新的服務模式。銀行業應提供更穩健有創意的金流服務，支持第三方支付業務的發展並與第三方支付平台共同合作，創造良好、安全、便利的支付環境。金融機構自行兼營第三方支付業務，需要增加更多的成本與人力進行平台的管理措施。而目前台灣支付環境已經非常便利，銀行運用數位金融服務，即使不兼營第三方支付服務平台，也能找尋另一個商機。

This paper studies the co-opetition relationship between third-party payment platforms and banks. How do banks create a new business model among the rapidly developing electronic commerce? Banks have linked electronic commerce along with the Bank 3.0 financial digitization. Facing with the keen competition of the worldwide commercial digitization, banks in Taiwan are able to expand the market through internet, social media, mobile payment…etc. To sum up, banking was mainly focusing on management of cash flow. As a novice in the internet market, there is a certain degree of difficulty to make a disruptive innovation of service model. As a result, banks should provide more stable and innovative cash-flow services and cooperate with the third-party payment platforms to support the third-party payment and creative a friendly, safer, and more convenient transaction environment. The present payment environment in Taiwan is very convenient. Even though banks do not operate the third-party payment by themselves, they can still find their way out by financial service digitization.