The fundamental value of Fintech and mobile payments lies in extending the universal accessibility of broadband telecommunications to secure inclusive finance for the general public. To achieve a comprehensive level of mobile payments, the primary hardship for SMEs lies in the integration of innovative technologies, such as big data, Internet of Things, AI, as well as the software/hardware integration of innovation technologies and the cross-domain integration of urban and rural differences. The three major "Going out" approaches gradually form the national beep economy: 1) Going out of Taipei and into southern Taiwan (Yunlin, Chiayi, Tainan), 2) Going out of the office building and into campus lifestyles, and 3) Going out of production to enter into innovation and entrepreneurship. Starting from the campus, the roots of innovation are laid, in which mobile payments light up a mobile lifestyle.