Page 95 - the taiwan banker 2024.06(174)
P. 95
目前無主要立法解方 2,000ᄂߕʩķķટڐGDPʫ͛ପˣ
ᕘٙ1%dᜓɛf
ኋ၍ͦۃઋرʲΥᒚᜰʊɮٙ݁ Ⴍ̩ʮ༸༑dکлਠֳʊһءจՑ
طાԫdɓԬᅂᚤ༰ʃٙ༆Ӕ˙ࣩʥ͊ ऒʿᓿي̔ٙൟᗺfϞࣛࡉա٫ίҞ
ઞ॰fᓿي̔݊εᘬൟᗺʱɿఃᛇٙ મ՟БਗܝdɰϞ̙ঐ՟Ϋ༟ږdኋ၍һ
˕˹ʈՈdˢৎԙʦٙᏨൖd̴࠽ᜑഹ ੬Ԉٙ݊ீཀᒅ൯ᓿيٙڦ̔͜Ϋd್
৷һεᄲݟf Ͼdίɽεᅰઋرɨdᓿي̔ɪٙ፺ఱ྅
уԴʔϽᅇΌ್ൟᗺ͜dᓿي̔࿁ ତږɓᅵdϾ࿁ᏺ͜ᓿي̔ᒔӚϞ˴ࠅ
ऊ൬٫ԸႭɰ݊ɓධ̙ဲٙᅼۨf೯̔ዚ ٙͭج༆˙f
ܸૐ̔˪ɪٙ፺ʔึڀદdவପ͛ᕼ ൟᗺձݹ፺݊εࠦΣٙਪᕚdۃ
ɽлᆗଟfГ˙˖ʷֻֻʔᗎϓତږЪ Ϊʕଡ଼ᔌ͕ໆϓڗϾ̋ᄌfீཀίߕ
މᓿيdШᓿي̔༊ྡһ൨մՑ ږፄӻʫ࢝කʈЪ̙ঐึ՟ɓԬආ
ࣛdೌجڭᗇટա٫ܝᚃਗ਼ึҬՑ̙ڀ ࢝dШ྅݊Դ͜፺ᚫMoney MulesආБ
፺ٙ؇ГfΝࣛdʃږᕘٙᓿۜ̔Ъމ ྼତږʹ˹வᅵͦੵᑔٙᅼόdყ
ࡰʈ၅лഃ͜ɰܘաᛇڎdϓމՉ˼͜ ږፄӻٙ̈ɝɹ̐༸ਗ਼ϓމʔ̙אॹٙ
ʘɓf ̀ࠅછՓᓃf(本文作者為台灣金融研訓
ᓿي̔ପุί2024ϋཫᐄϗਗ਼ᒃ 院外聘研究員;譯者楊芙宜)
favorite payment vehicle for scammers of many more aware of fraud involving gift cards. It is
nationalities and deserve significantly more also sometimes possible for victims to recover
scrutiny than they have received thus far. funds after taking quick action, although more
Even without considering outright fraudulent often through the credit card through which the
uses, they are a questionable deal for consumers. gift might have been purchased. In most cases,
Issuers count on money on the cards not being however, money on the card acts like cash, and no
spent, which creates large profit margins. Western major legislative solution yet exists for the misuse
cultures tend to frown on cash as a gift, but of gift cards.
when giving a gift card as an attempt to be more Fraud and money laundering are highly
thoughtful, there is no guarantee that the recipient multifaceted problems, currently being
will subsequently find something to spend the exacerbated by the growth of Chinese organized
money on. Smaller gift cards are meanwhile also crime. Some progress may be possible by
popular as employee benefits, among other uses. working within the US financial system,
The gift card industry is forecast to earn US$ yet with models as brazen as physical cash
200 billion in revenue in 2024 – approaching an deliveries using money mules, the onramps
impressive 1% of GDP. and offramps to offshore banking will become
To be fair, convenience stores have become essential control points.
2024.6 台灣銀行家 95
1 5% JOEE