跨境匯款-艾菲迅速

Abstract

摘要

近來，臺灣外籍移工人數逐年攀升，匯款需求也隨之日益提升。許多移工需將部分收入匯回母國，支持家人生活。然而，現行匯款途徑存在諸多限制，影響其便利性。 目前，外籍移工主要透過兩種方式進行國際匯款，分別為雜貨店與銀行。銀行匯款流程公開透明，安全性高，然而，高昂手續費、受限於營業時間，且需要耗費大量時間於在現場辦理。對移工來說，付出的時間成本高，便利性低。相較之下，雜貨店雖時間彈性，仍存有營業時間問題，加上缺乏正規金融監管，存有較高之交易風險，且易發生金流不明情況，移工難以透過法律途徑維護其權益。 為了解決移工遇到的困境，我們計畫另種國際匯款的管道供移工選擇，主要提供來自於泰國、越南、印尼、菲律賓等四國之移工。匯款方式為藉由便利商店多功能服務機進行匯款的數位服務，提供移工更便捷、安全且具成本效益的跨國轉帳方式。由於臺灣便利商店密集分佈且24小時營業，使用者可隨時隨地透過鄰近門市進行匯款，無需侷限於店家營業時間。此外，服務採用合法、安全的金融技術，以確保資金交易透明、可靠，有效降低傳統匯款方式的風險與不便性。我們的目標是讓外籍移工能夠以更低的手續費、更高的便利性及安全性，快速將資金匯回母國，改善其金融服務體驗，並提升跨境支付的普惠性。

Abstract

In recent years, the number of migrant workers in Taiwan has continued to rise, and the demand for remittances has increased accordingly. Many workers need to send part of their income back to their home countries to support their families. However, current remittance channels involve numerous constraints that undermine convenience. At present, migrant workers mainly remit internationally through two avenues: mom-and-pop grocery stores and banks. Bank remittances are transparent and secure, but they entail high fees, are limited by business hours, and require substantial time for in-person processing. For workers, this results in high time costs and low convenience. By contrast, although small shops offer more flexible hours, they still operate within opening-time constraints and generally lack formal financial supervision, which brings higher transaction risks and opaque fund flows, making it difficult for workers to protect their rights through legal channels. To address these challenges, we plan to offer an alternative international remittance channel for migrant workers, primarily serving those from Thailand, Vietnam, Indonesia, and the Philippines. The service will enable digital remittances via multi-function kiosks in convenience stores, providing a more convenient, secure, and cost-effective option for cross-border transfers. Given Taiwan’s dense, 24-hour convenience-store network, users can remit funds at any time through nearby locations without being constrained by counter service hours. In addition, the service adopts compliant and secure financial technologies to ensure transparent and reliable transactions, effectively reducing the risks and inconveniences associated with traditional remittance methods. Our goal is to help migrant workers remit funds home quickly with lower fees, greater convenience, and enhanced security, improving their financial service experience and advancing financial inclusion in cross-border payments.