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| Title: | 金融 AI 雲 以台灣證券業為例
Financial AI Cloud Take Taiwan's securities industry as an example. |
| Authors: | 吳文舜
WU, WEN-SHUEN |
| Contributors: | 蔡瑞煌
周行一
Rua-Huan Tsaih
Edward Chow
吳文舜
WEN-SHUEN WU |
| Keywords: | 人工智慧
雲服務
金融 AI 雲
AI-enabled services
AI tech-stack model
FinAIC
FinTech
Artificial intelligence
cloud
financial AI cloud
AI-enabled services
AI tech-stack model
financial industry |
| Date: | 2024 |
| Issue Date: | 2024-03-01 14:10:23 (UTC+8) |
| Abstract: | 人工智能（Artificial intelligence，簡稱AI）時代來臨，許多產業都出現產業AI化以及AI產業化。在金融領域裡，雖然也出現產業AI化的現象，但卻鮮少有以金融產業為目標客戶（Target Audience）的金融AI雲服務（Finance AI Cloud，簡稱FinAIC）。本研究以台灣新創金融科技公司的定位為出發點，提出以AI技術堆疊框架（AI Tech-Stack Model）為基礎架構的FinAIC服務，並設計開發出AI加值之金融服務，提供給四大類型金融產業用戶：大型金融機構（Large Financial Institutions，簡稱LFIs）、中小型金融機構（Small and Medium-sized Financial Institutions，簡稱SMFIs）、獨立軟體供應商（Independent software vendors，簡稱ISVs）與第三方服務業者（Third-party Service Providers，簡稱TSPs）。
本研究透過三大實驗，驗證FinAIC具備五項整合優勢。實驗一以LFIs & SMFIs現有AI服務導入FinAIC，驗證FinAIC具備軟硬體整合優勢。實驗二以ISVs 導入FinAIC，驗證FinAIC具備易用性優勢、數據管理整合優勢、及軟硬體整合優勢。實驗三以TSPs運用FinAIC新增AI服務，驗證FinAIC具備模型與數據參數整合優勢、資源交換分享優勢、軟硬體整合優勢。
本研究之貢獻有三：（1）提出FinAIC框架，並模擬四種類型 LFIs、SMFIs、ISVs、TSPs參與者的生態系共生應用情境；（2）依據FinAIC框架與生態系共生情境，透過三大實驗，驗證FinAIC具備五項整合優勢；（3）提出FinAIC如何滿足金融監管八大規範，並在法規推動、聯合查核、數據落地、資訊安全議題與FinTech新創發展五種面向有助於金融監管，以及發展成為證券期貨業ITOM雲服務與探討平台形成可能性。
With the advent of the era of artificial intelligence (AI), many industries have opened to industrialized AI and AI industrialization. However, there are rare financial AI industrialization (FinAIInd) services provided through the financial AI cloud (FinAIC) that exclusively cater to the financial community.
Through three major experiments, this study verified that FinAIC has five integration advantages. Experiment 1 imported the existing AI services of LFIs & SMFIs into FinAIC to verify that FinAIC has the advantages of software and hardware integration. Experiment 2 uses ISVs to import FinAIC to verify that FinAIC has the advantages of ease of use, data management integration, and software and hardware integration. Experiment 3 uses TSPs to use FinAIC to add new AI services, verifying that FinAIC has the advantages of model and data parameter integration, resource exchange and sharing advantages, and software and hardware integration advantages.
The contributions of this study are threefold: (1) Propose the FinAIC framework and simulate the ecosystem symbiosis application scenarios of four types of LFIs, SMFIs, ISVs, and TSPs participants; (2) Through three major Experiments verifyed that FinAIC has five integration advantages; (3) Propose how FinAIC meets the eight major norms of financial supervision and contribute to financial supervision in five aspects: regulatory promotion, joint verification, data implementation, information security issues and FinTech innovation and development. As well as developing into an ITOM cloud service for the securities and futures industry and exploring the possibility of forming a platform. |
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| Description: | 博士
國立政治大學
資訊管理學系
108356505 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0108356505 |
| Data Type: | thesis |
| Appears in Collections: | [資訊管理學系] 學位論文
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