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環境未成熟 台難玩行動支付
Sep 11th 2014, 04:16

中央社 – 

（中央社記者田裕斌台北11日電）蘋果(Apple)推出iPhone 6及iPhone 6 plus，另一焦點是切入行動支付平台Apple Pay，不過，銀行業者表示，台灣近場通訊(NFC)環境尚未成熟，台資銀行短期難切入。

即使如此，台資銀行依舊積極評估Apple Pay背後的運作機制，待大環境時機到來，可以儘速搶得ApplePay可能帶來的商機。

台新金控個人金融事業群執行長尚瑞強表示，台灣在NFC應用上尚在啟蒙階段，雖然多家銀行業者都與電信業者合作試辦NFC手機，但實際上採用NFC交易的據點仍過少，對於台灣未來可能發展的規模，難以評估。

此外，台灣信託服務管理平台(TSM)也處於百家爭鳴狀態，最後誰能勝出，還在未定之天，對於銀行業者而言，Apple Pay可能是推動台灣NFC市場加速前進的動能。

尚瑞強指出，Apple Pay與VISA及MASTER等國際信用卡組織合作，採iOS封閉系統加上指紋辨識等安全機制，銀行要切入並非難事，除了刷卡交易外，收單交易也是未來銀行積極爭食的大餅。

也有銀行業者對於Apple Pay在台灣的發展，持保留態度，由於目前台灣的NFC主要是結合電信業者，在SIM卡或外接mini SD卡建立NFC通訊，但蘋果的ApplePay是將NFC功能直接內建在手機晶片上，等於跳過電信業者這一環，在推動上平添難度。

銀行業者認為，要切入Apple Pay主要需經過金融監督管理委員會與蘋果2大關卡，首先是在法令上能否鬆綁銀行業直接與系統整合商(蘋果)，在不經過電信業者的前提下進行合作。此外，銀行業也需經過蘋果的認證，才能將信用卡或簽帳卡(Debit card)的資料，內建到iPhone 6中。

台灣商家也需廣布具備NFC的端點銷售系統(POS)，才能刺激消費者以NFC進行交易，目前台灣NFC POS的建置仍相當稀少，普及率不足。

蘋果推出Apple Pay雖然讓市場驚艷，今年10月將開始在美國實施，蘋果表示，目前已經有實體零售商macy’s、Subway、麥當勞、迪士尼、Staples等共22萬個實體據點，以及商家App如Target、Groupon、Uber、OpenTable等，接受Apple Pay服務。

對台灣消費者而言，這樣的消費模式要落實在台灣，可能還需要好幾年的時間，如果想要體驗這樣的消費經驗，除了在國外消費外，還得先辦張能用的信用卡吧。1030911

■ 新聞專輯／iPhone 6 史上最大變革！

Apple announced two large new iPhones today, the iPhone 6 and the iPhone 6 Plus. Which one should you buy? Here are the differences that could determine your decision. The iPhone 6 is $100 cheaper ．．． 較多 
Apple announced two large new iPhones today, the iPhone 6 and the iPhone 6 Plus. Which one should you buy? Here are the differences that could determine your decision. The iPhone 6 is $100 cheaper than the iPhone 6 Plus The iPhone 6 will cost $199 for the 16GB version. That’s $100 cheaper than the iPhone 6 Plus, which will begin at $299 for the 16GB version. The iPhone 6 will cost $299 for 64GB, and $399 for 128GB.  Apple The iPhone 6′s screen is smaller than the iPhone 6 Plus’, but both are larger than the iPhone 5S. Both phones have larger screens and better resolutions than the iPhone 5S has. But the iPhone 6′s screen is about 1 inch smaller than the iPhone 6 Plus’. The iPhone 6′s 4.7-inch display will have a 1,334×750-pixel resolution; the larger 5.5-inch iPhone will come with a 1,920×1,080-pixel-resolution screen.  Apple The iPhone 6 has worse battery life than the iPhone 6 Plus. The iPhone 5S and iPhone 6 have the same battery life: about 10 hours. The iPhone 6 Plus, however, has about 16 hours of battery life. Apple/Screenshot The guts of the phone and the photo quality of each device will be about the same. Both devices also have Apple Pay, a mobile payment solution that wants to make plastic credit cards obsolete. Both also work with the Apple Watch. Bottom line If you want a giant screen and an extra-long battery life, splurge on the iPhone 6 Plus. If you are fine with how long your current iPhone lasts and you want a screen that’s just a touch bigger, go for the iPhone 6. Read more stories on Business Insider, Malaysian edition of the world’s fastest-growing business and technology news website. 較少 

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