FINTECH金融科技之發展與運用-以台灣銀行業為例

The Development and Applications Financial Technology-An Example from Taiwan Banking Industry

10.6846/TKU.2016.00831

陳韻茹

金融科技 ； 金融創新 ； 銀行業 ； financial technology ； financial innovation

淡江大學國際行銷碩士在職專班學位論文

2016年

碩士

蔡政言

繁體中文

科技的演進與變化促使產業陸續往前發展，而金融（Financial）與科技（Technology）的交鋒，再次把金融創新推向另一個新的競爭起點與啟動新的經濟系統，在個人電腦逐漸被平板電腦及智慧型手機取代之際，科技的蔓延已在銀行業產生不可阻擋的力量。銀行若可藉此改善客戶之服務、著重風險之管理、並提升經營之效率，將可能藉此邁入頂尖銀行之列。然而，傳統銀行採用新技術的速度很難與新生金融技術企業相抗衡，而客戶的需要不再只是實體營業據點，而是銀行的功能與特色，這一切帶動了如同爆炸式的金融業環境的改變與產生新的競爭面相。因應時代潮流趨勢及客戶的需求 因應而生之陸續改革，也推出FinTech新的電子金融服務與因而衍生出智慧型手機 等APP的行動銀行服務。 本研究在於探討銀行服務業的演進與FinTech的發展過程，並隨著金融環境的變化，探討金融科技的創新。在匹變的金融環境及成本的考量之下，銀行業也因此陸續發展各項電子通路與金融產品迎戰金融科技市場，本研究即在於分析國內外銀行業FinTech的實際運用狀況，並藉由個案分析探討台灣銀行業FinTech的未來可能發展。 本研究總結，銀行不再是一個「地方」而是「行為」，讓銀行能力在每一天都能妥善因應客戶各種行為，台灣銀行業必須所採取「Double T」，即「跨界」（Transboundary）「 轉型 」（Transformation）的兩大取向策略，來迎戰數位時代的來臨。而傳統銀行未來可能出現的競爭對手將是更加多面向，包括:電信業者、悠遊卡公司、7-11、與破壞式創新發展新創的公司等。因此，數位世代要鞏固金融機構的核心價值，必須打造銀行品牌商機與創造金流競爭優勢，掌握客戶到底「為何」「如何」行動，探究客戶到底要「什麼」。銀行業者必須牢記的是，即使未來銀行「服務」方式改變，但銀行最終還是在做「服務」的基礎仍然沒有任何改變。

Evolution and changes in technology have prompted the industry move forward,while the Financial and Technology confrontation, again another financial innovations to new competition and start a new starting point Economic systems, personal computers gradually replace the Tablet PC and smartphone occasion, the spread of technology has in the banking industry unstoppable force.If the bank can take to improve customer service, focusing on the risk of tube management, and improve operating efficiency, will likely take into the ranks of the top banks. However, the use of traditional banks speed of new technology difficult to finance nascent technology companies to compete, and the needs of customers is no longer just business entity industry stronghold,but the bank's functions and features, all of this led to an explosion of change as the financial industry environment changes and generate new competitive face. In response to the trends of the times and customer needs should be born by the succession reform. Also launched FinTech new electronic financial services and thus derived from smartphones and other mobile banking APP service. The study is to investigate the evolution and development of FinTech banking services, and with the financial environment changes, to explore innovative financial technology. In the financial and environmental costs of horses change considerations, banking gradually developed the electronic access and financial products against the financial technology market, namely that this study points. Analysis of the actual situation at home and abroad using the FinTech banking and banking by case studies to explore Taiwan FinTech possible future development. The study concluded, the bank is no longer a "place" but "something you do", the ability to allow banks every day.Can properly respond to a variety of customer behavior, Taiwan banks have taken "Double T", namely "Transboundary" and "Transformation" of two orientation strategy. The advent of the digital era. The competitors may appear traditional banks in the future will be more multi-faceted, including:Telecom Carriers, Easy Card, 7-11, undermine innovation and the development of newly created companies. Thus,Digital Generations to consolidate the core value of the financial institution, the Bank must build brand opportunities and competitive advantages to create cash flow. Track the customer in the end, "why" "how to" act on a customer in the end to "what." customers want.It must be borne in mind that, even if the future of banking "service" approach to change, but the bank eventually do "Service Base "is still no change.

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