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研究生： 阮芳草薇
Nguyen, Phuong Thao Vy
論文名稱： 行動支付系統：越南無現金未來 -以MoMo為研究案例
Mobile Payment System: Cashless Future of Vietnam with Momo as a Case Study
指導教授： 林哲群
Lin, Che-Chun
口試委員: 張焯然
Chang, Jaw-Ra
楊屯山
Yang, Twan-Shan
學位類別： 碩士
Master
系所名稱： 科技管理學院 - 國際專業管理碩士班
International Master of Business Administration(IMBA)
論文出版年： 2018
畢業學年度： 106
語文別： 英文
論文頁數： 38
中文關鍵詞： 行動支付 、行動支付 、越南 、MoMo 、無現金
外文關鍵詞： mobile payment, Momo, fintech, vietnam, payment services
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    The mobile payment industry of Vietnam is still in its infancy and is expected to bring massive benefits to an economy if more people shift the habit of not paying cash because it allows for a cheaper way to extend financial services to current users of financial services, especially the unbanked. The purpose of this study was to find out the current pictures of mobile payment market in Vietnam, the policy and government support for mobile payment sectors, and the opportunities and challenges that the mobile payments providers need to notice to promote their services. The case of Momo - the first and largest mobile wallet and application in Vietnam - was analyzed to have deeper insights and provide recommendations for this business model.

    ABSTRACT i ACKNOWLEDGEMENT ii TABLE OF CONTENTS iii TABLE OF FIGURES iv INTRODUCTION 1 1.1 Research Background 1 1.2 Research Motivation 2 1.3 Statement of Research Problems 3 1.4 Research Questions 3 CHAPTER 2 - LITERATURE REVIEW 5 2.1 Financial Technology and Financial Inclusion 5 2.2 Mobile Payments 6 2.2.1 Purpose of Transactions 8 2.2.2 Mode of Transactions 8 2.2.3 Mobile Payment Business Model 10 2.2.4 Mobile Payment Global Market 11 2.3 Vietnam Market 11 2.3.1 Fintech Market in Vietnam 14 2.3.2 Payments Market in Vietnam 15 2.3.3 Government Regulation 17 2.3.4 Challenges of Promoting Mobile Payment in Vietnam 18 CHAPTER 3 - RESEARCH METHODOLOGY 21 3.1 Data Collection 21 3.2 Research Scope and Limitations 22 CHAPTER 4 - CASE COMPANY ANALYSIS 23 4.1 Momo Mobile Application 23 4.2 Performance Summary 24 4.3 Collaboration and Partnership 25 4.4 Competition Analysis 25 4.5 Challenges and Opportunities 26 4.5.1 Challenges 26 4.5.2 Opportunities 27 4.6 Recommendations 28 4.6.1 Momo 29 4.6.2 Government 31 CHAPTER 5 - CONCLUSION 33 5.1 Major Findings 33 5.2 Further Research 33 REFERENCES 35 APPENDIX 38

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