交易工具種類繁多，工具形式已由實體貨幣逐漸轉為電子化及虛擬化，
臺灣亦訂定相關法規與政策目標，以推廣行動支付的使用，提高行動支付的普及度。本研究旨在探討行動支付的發展對於各總體變數的衝擊以及對社會福利的影響。行動支付的出現使存款增加，持有現金減少，因此本文透過模型的建立探討存款與持有現金之比率的變化將如何衝擊消費、現金持有、產出以及社會福利。研究發現：現金的持有將受存款與持有現金之比率的增加而減少，但不會完全消失，現金依然存在於社會中；產出與消費則受存款與持有現金之比率的增加而增加。顯示行動支付的使用有助於所得與消費的提升。社會福利由消費、持有現金、休閒所組成，雖然現金持有的減少以及勞動的增加使社會福利減少，但消費成長幅度相對大，因此行動支付的使用將有助於提升整體社會福利。

There are a variety of tools of trading, and the form of tools has gradually changed from physical currency to electronic and/or virtualized currency. The government of Taiwan has set relevant regulations and policies to promote the use of mobile payments and increase the popularity of mobile payments.
The purpose of this study is to explore the impact of the development of mobile payments on the overall macroeconomy and the social welfare. Because the development of mobile payments will lead to an increase in deposits and a decrease in cash holdings, this paper focuses on how changes in the ratio of deposits to cash holdings will impact consumption, cash holdings, output, and social welfare through the theoretical model. The study found that although cash holdings will be reduced by the increase in the ratio of deposits to cash holdings, cash will still exist in society, and that output and consumption will increase due to the increase in the ratio of deposits to cash holdings which shows that the use of mobile payments contributes to the increase in income and consumption. Social welfare consists of consumption, cash holdings, and leisure. Although the reduction in cash holdings and the increase in labor reduce the social welfare, the use of mobile payments will improve overall social welfare due to the relatively large growth of consumption.

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