支付為 Fintech 發展六大核心之一，在金管會提出「電子化支付比率五年倍增計畫」、行政院提出行動支付普及率達到 90%的政策目標，國內新型態支付產業蓬勃發展，金融業面對國、內外新型態方案高度競爭，除了自建方案，也與各業者積極合作，延伸支付場景。
本研究係以金融業視角，探討新型態支付的競合策略，以競合理論之 PARTS策略分析國內新型態支付市場之價值網，以競爭者分析之市場共同性與資源相似性，探討金融業新型態支付方案與主力支付方案之競爭者圖像，再以場景金融概念設計商業模式，進行研究、收斂結論並提出因應建議。
在新型態支付價值網中，金融業與其他新型態支付業者存在既競爭又合作的關係；由競爭者分析，金融業發展自建支付方案與主流行動方案具競爭不對稱性。在可預見的未來，體驗、通路、數據為三大競爭關鍵，新型態支付價值網將漸趨龐雜，對金融業而言，相較競爭，運用自身的核心優勢與支付價值網生態系夥伴協同合作，建構共營模式更形重要。
金融業者應跳脫閉環式商業思維，思考如何在質變及引發商務的整合情境中銜接新型態支付生態系，運用自身核心能力及優勢，改變組織疆界，與平台業者發展場景金融商業模式，借力使力，建構互利共生的新夥伴關係，進而從開放資源、擴大價值、翻轉獲利等面向，突破高同質性的競爭僵局並提升經營效率。

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三、網際網路
1.數位時代，2015.12.21，世界經濟論壇研究報告出爐！6張表，掌握FinTech創新關鍵。from：https://www.stockfeel.com.tw/
2.科技報橘，2015.12.17，神解析！WEF 用 3 張圖神解 Fintech，創意、商機、knowhow 全都包。from：https://buzzorange.com/techorange/2015/12/17/fintech-in-future/
3.哈佛商業評論，2013.4，競爭者分析：「市場共同性－資源相似性」架構。from：https://www.hbrtaiwan.com/article_content_AR0002306.html
4.Inside，2018.1，電子支付去年交易 188 億元 街口支付成第 6 家專營電支機構。from：https://www.inside.com.tw/2018/01/12/jkos-is-the-sixth-electronic-payment-company
5.中時電子報，2018.1，行動支付拚場 LINE Pay最靚from：http://www.chinatimes.com/newspapers/20180201000325-260204