📌 公司背景與發跡歷程 | Company Background and Rise
街口支付（Jkopay）由胡亦嘉於2015年創立，以直覺式操作的手機支付服務迅速崛起。街口初期即瞄準大專院校市場，透過針對年輕族群的優惠活動、高比例的現金回饋，以及相對市場更低的店家手續費（約1.2%至1.5%，低於市場平均的2%至3%），快速累積大量學生用戶與合作店家，逐步擴展至電商、餐飲、交通運輸等各個生活領域。
Jkopay was founded by Hu Yi-Jia in 2015, rapidly gaining popularity through its intuitive mobile payment interface. Initially targeting university campuses, Jkopay successfully attracted young users with aggressive cashback incentives and lower merchant transaction fees (1.2%-1.5%, significantly below the market average of 2%-3%). This strategic approach allowed rapid user and merchant base expansion, eventually extending into e-commerce, food services, and transportation.
🔍 事件始末與爭議焦點 | Incident Overview and Controversy
2025年7月10日，街口支付的母公司街口金融科技（Jko Fintech）與泰山企業高達36億元的股權交易被台北地方法院判定無效，要求立即返還款項及支付5%年息。法院隨即展開假扣押，卻發現街口金融科技帳戶資金幾乎耗盡，觸發市場震驚與信任危機。
On July 10, 2025, the Taipei District Court ruled invalid a 3.6 billion NTD equity transaction between Jko Fintech (Jkopay’s parent company) and Taishan Enterprise, ordering immediate repayment with 5% annual interest. However, upon executing an asset seizure, the court discovered the parent company's accounts were nearly depleted, causing widespread market shock and a crisis of confidence.
街口支付迅速發聲明強調其資金獨立運作，且用戶與商家資金皆存放於台新銀行信託專戶，保證不受母公司財務問題影響。
Jkopay immediately issued statements emphasizing its financial independence, reassuring users that all user and merchant funds are securely held in independent trust accounts managed by Taishin Bank, insulated from the parent company's financial issues.
📉 市場反應與衝擊 | Market Reaction and Impact
事件爆發後，超過30家大型商家（包括momo購物網、PChome、Shopee、全國電子、85°C、吉野家等）一度暫停街口支付服務。然而，經過街口支付的澄清及金融監督管理委員會（金管會）官方背書確認資金安全後，陸續有商家如PChome、momo、富邦媒、東森購物恢復使用街口支付。
Following the incident, over 30 major businesses (including momo, PChome, Shopee, National Electronics, 85°C, Yoshinoya, etc.) temporarily suspended Jkopay services. However, following clarifications by Jkopay and endorsements from the Financial Supervisory Commission (FSC), major businesses like PChome, momo, Fubon Media, and ETMall gradually resumed services.
🏦 監管單位回應 | Regulatory Response
金管會迅速介入調查，並確認街口支付用戶與商家資金存放於專業信託專戶中，與母公司街口金融科技的財務狀況完全獨立。為了進一步強化市場信心，金管會隨即要求街口支付每日提交帳戶資金流向報告，以即時監控資金安全。
The FSC promptly intervened, confirming that all user and merchant funds managed by Jkopay were safely stored in professional trust accounts, entirely separate from the parent company's finances. To further bolster market confidence, the FSC required daily reports on Jkopay’s fund movements to ensure continued financial safety and transparency.
📑 事件重點整理 | Key Points
- 母公司街口金融科技36億元股權交易被法院判決無效。
- 法院假扣押後發現母公司帳戶資金幾乎耗盡，引發市場動盪。
- 街口支付隨即澄清用戶資金安全且獨立於母公司財務。
- 市場一度恐慌，後逐步回復穩定。
- 金管會緊急加強每日資金監控措施。
- Parent company's 3.6 billion NTD equity deal ruled invalid by court.
- Nearly depleted funds in parent company accounts discovered during asset seizure, causing market instability.
- Jkopay promptly clarified the security and independence of user funds.
- Initial market panic was followed by gradual stabilization.
- FSC swiftly implemented daily financial monitoring measures.
🚩 結論與未來觀察 | Conclusion and Future Observations
本次事件凸顯金融科技產業中透明財務管理的重要性，即使具有市場領先地位，財務危機與透明度不足都可能迅速侵蝕市場信任。街口支付在台灣市場雖非用戶數第一（位居iPassMoney一卡通之後），但其交易額仍穩居首位。未來街口支付若想重建市場信心，除了需更公開透明地展示資金管理外，監管單位的持續強化監督也是關鍵所在。
This incident underscores the critical importance of financial transparency in the Fintech sector. Even market leaders can quickly lose public trust due to financial crises and opacity. Although Jkopay is second in user numbers (behind iPASS MONEY), it still maintains the highest transaction volume in Taiwan. To rebuild confidence, Jkopay must enhance transparency, and continued stringent oversight from regulatory authorities will remain crucial.
🙋 我的看法 | My Take
我平時最常使用的支付工具就是街口支付，因為它的介面設計直覺又順手，加上搭配街口聯名卡的優惠，讓日常消費更划算。無論是在便利商店、咖啡店還是校園周邊小店，不用帶錢包、掏零錢，只要拿出手機掃碼就能完成付款，輕鬆又方便。每次看到街口幣回饋即時入帳，都會覺得自己是精打細算的消費者，還有種成就感（笑）。這次的事件雖然讓人一度擔憂，但多年來良好的體驗讓我還是選擇支持街口，希望它能夠更透明、更穩健地走下去。你平常也用街口支付嗎？還是有不同的想法呢？歡迎在下方留言分享你的觀點！
Personally, Jkopay is my go-to payment app because its interface is intuitive and smooth, and the perks from the Jkopay co-branded credit card make everyday spending more rewarding. Whether it’s at a convenience store, coffee shop, or a campus eatery, I love the ease of paying without carrying cash or coins—just a quick scan on my phone. Seeing cashback deposited instantly makes me feel valued as a customer. Although this incident made me worry at first, my consistently positive experience has kept me loyal to Jkopay. I hope it can move forward with greater transparency and stability. Do you also use Jkopay, or do you see it differently? Feel free to share your thoughts in the comments below!
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