政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/118314

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/118314

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政大典藏 > College of Commerce > MBA Program > Theses > Item 140.119/118314

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/118314

Title:	銀行業運用Fintech於業務之研究 How Banks Deploy Fintech in Services in Taiwan
Authors:	林怡安 Lin, Yi-An
Contributors:	于卓民傅浚映 Yu, Chwo-Ming Fu, Jyun-Ying 林怡安 Lin, Yi-An
Keywords:	金融科技組織創新銀行 Fintech Financial technology Organizational innovation Bank
Date:	2018
Issue Date:	2018-07-03 17:38:22 (UTC+8)
Abstract:	Fintech的議題在這近幾年於國內市場興起，各家銀行紛紛在年報透露發展Fintech的決心。而我國金融監管機關也意識到金融科技的重要性，著手推動數位化金融環境、鬆綁數位化金融法規。在環境的驅使下，本國銀行實際發展Fintech的程度到底為何呢?是否存在有名無實的狀況？本研究鎖定具代表性的本國銀行，以次級資料為基礎，分析投入Fintech的狀況。因本研究視銀行發展Fintech為該組織創新的展現，輔以探討影響組織創新因素的文獻，來驗證本國銀行在Fintech創新的程度與特定影響組織創新因素之關聯性。此外，由於本國銀行在Fintech發展較其他國家的銀行起步慢，本研究以在全球最受關注的金融市場運作的銀行為標竿對象（即美國前六大市值的銀行），觀察這些銀行透過轉投資與併購哪幾種領域的金融科技公司及該公司的金融科技應用為何後，進而比對本國銀行在這幾個領域的發展狀況，以提出日後本國銀行可精進的方向。本研究顯示，本國銀行中的中國信託銀行、玉山銀行、台新銀行應用Fintech於業務較深與廣，涵蓋大數據分析、區塊鏈、金融服務軟硬體、付款與結算、借貸、財富管理、管制技術及房地產領域。如此的成果也與文獻中所提出的兩項影響創新因素有正向的關係：在技術知識資源方面，中國信託銀行與台新銀行具有較多的專利等專業資源；閒置資源方面，中國信託銀行、遠東銀行、玉山銀行、台新銀行具有較多元的閒置資源。整體來說，大部分本國銀行在針對中小企業的付款與結算及借貸業務、對個人與企業客戶的房地產業務仍有待利用大數據分析、區塊鏈等金融科技優化的空間。 Recently, the issues of Fintech turn out in domestic market. Many banks reveal the determination to deploy Fintech in service in annual reports. Government also realizes the importance of financial technology, and then starts to create digital finance environment and loosen financial regulation. Under the circumstances, how are the real extent of Fintech of domestic banks? Is there any gap between what banks do and what banks say? Thus, the purpose of this research is to analyze the current extent of domestic banks deploying Fintech by secondary data. Besides, this research views the development of bank on Fintech as organizational innovation, so the study also evaluates the relation between the outcomes of Fintech and the factors which may influence the organization innovation according to the previous researches among domestic banks. Furthermore, due to the lag on development of Fintech comparing domestic and foreign banks, the study chooses top banks in America as benchmark. Based on summaries of which field and operating model of Fintech companies invested or acquired by banks in America, and comparison of what domestic banks have done, the study proposes suggestion to domestic banks on direction of future development in Fintech. Through this research, there are several discoveries and conclude as below: First, CTBC Bank, E.SUN Bank and Taishin International Bank are the banks which deploy Fintech both in wider and deeper service including field of big data analysis, blockchain, financial services software and hardware, payment and settlement, lending, wealth management, regulatory technology and real estate among eight domestic banks. Second, the outcomes of Fintech service match the two factors influencing innovation sorted out by previous researches - technical knowledge resource and slack resources. In aspect of technical knowledge resource, CTBC Bank and E.SUN Bank have the most patents on Fintech. As of respect of slack resources, CTBC Bank, Far Eastern International Bank, E.SUN Bank and Taishin International Bank all have diverse slack resources to support the development of Fintech. The last, there are still some services for most of domestic banks to advance, such as payment and settlement and lending service for SMBs, and real estate service for company and individual customers by data analysis and blockchain and so on.
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(1994), “ Firm Organization, industrial structure, and technological innovation”, Journal of Economic Behavior & Organization, Vol. 31, 193-224. 15.Terekhova, Maria (2017a), Bank of America Merrill Lynch has become the latest bank to implement AI, Business Insider, from: http://www.businessinsider.com/bank-of-america-merrill-lynch-latest-bank-implement-ai-2017-8 16.Terekhova, Maria (2017b), Wells Fargo lifts curtain on its robo-advisor, Business Insider, from: http://www.businessinsider.com/wells-fargo-lifts-curtain-on-its-robo-advisor-2017-11 三、參考網站 1.中華民國專利資訊檢索系統，http://twpat.tipo.gov.tw/# 2.公開資訊觀測站，http://mops.twse.com.tw/mops/web/t164sb04 3.國泰世華銀行，智能投資網頁，https://www.cathayrobo.com/welcome#trial 4.陸金所官網，https://www.lu.com/ 5.富邦金控官網，https://www.fubon.com/financialholdings/citizenship/green/fintech.html 6.ACADIASOFT official website, http://www.acadiasoft.com/ 7.AccessFintech official website, https://www.accessfintech.com/ 8.ALTX official website, https://www.getaltx.com/ 9.AXON official website, https://axoni.com/ 10.AYASDI official website, https://www.ayasdi.com/ 11.Bank of America official website, https://promo.bankofamerica.com/zelle/ 12.Better Mortgage official website, https://better.com/ 13.Betterment official website, https://www.betterment.com/ 14.Bill.com official website, https://www.bill.com/ 15.C2FO official website, https://c2fo.com/why-c2fo/our-solution 16.Cadre official website, https://cadre.com/about 17.Chase official website, https://www.chase.com/business-banking/online-banking/quickpay 18.Citi official website, https://www.citigroup.com/citi/news/2017/170907b.htm 19.Clarity money official website, https://claritymoney.com/ 20.Cloud9 official website, https://c9tec.com/ 21.Cobalt official website, http://www.cobaltdl.com/ 22.compareAsia group official website, http://www.compareasiagroup.com/ 23.DataFox official website, https://www.datafox.com/customers/investment-banking/ 24.Dave official website, https://www.dave.com/ 25.Digital Asset official website, http://www.digitalasset.com/ 26.DROIT official website, http://droitfintech.com/ 27.Fastpay official website , https://gofastpay.com/ 28.Feedzai official website, https://feedzai.com/issuers/ 29.Final, https://www.crunchbase.com/organization/final#section-overview 30.Financeit official website, https://www.financeit.io/ca/en/howitworks 31.Folio official website , https://folioapp.io/ 32.HighRadius official website, https://www.highradius.com/ 33.Honest Dollar website, https://www.crunchbase.com/organization/honest-dollar 34.Icapital network official website, http://www.icapitalnetwork.com/ 35.InvestLab official website, https://investlab.com/ 36.JUMIO official website, https://www.jumio.com/ 37.Kensho official website, https://www.kensho.com/ 38.Kinetica official website, https://www.kinetica.com/solutions/finance/ 39.Linkable networks official website, http://finovate.com/linkable-networks-raises-8-million-for-card-linked-offers/ 40.MCX website, https://www.crunchbase.com/organization/mcx-fintech 41.mDAQ official website, https://www.m-daq.com/ 42.Mesa West Capital official website, https://mesawestcapital.com/ 43.Momo website, https://www.crunchbase.com/organization/momo-vn 44.Mosaic Smart Data official website, http://mosaicsmartdata.com/ 45.Motif official website, https://www.motifinvesting.com 46.Nanopay official website, https://nanopay.net/ 47.Nav website, https://internationalfintech.com/Company/nav/ 48.Neyber official website, https://www.neyber.co.uk/ 49.OnDeck official website, https://www.ondeck.com/ondeck-core-principles 50.Openfin official website, https://openfin.co/ 51.Persado official website, https://www.persado.com/ 52.PLAID official website, https://plaid.com/ 53.Prosper official website, https://www.prosper.com/ 54.R3 official website, https://www.r3.com/ 55.Richart official website, https://richart.tw/TSDIB_RichartWeb/static/home/Views/About/Microfinance.html 56.Roostify official website, https://www.roostify.com/product/ 57.Selerity official website, http://www.seleritycorp.com/ 58.SigFig official website, https://www.sigfig.com/ 59.Square official website, https://squareup.com/ 60.Symphony official website, https://symphony.com/ 61.Tradeit official website, https://www.trade.it 62.Transactis official website, http://transactis.com/industries/financial-services/ 63.Trussle official website, https://help.trussle.com/ 64.Unbound Tech official website, https://www.unboundtech.com/ 65.Visible alpha official website, https://visiblealpha.com/ 66.Wepay official website, https://go.wepay.com/products 67.Zelle official website, https://www.zellepay.com/
Description:	碩士國立政治大學企業管理研究所(MBA學位學程) 105363037
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0105363037
Data Type:	thesis
DOI:	10.6814/THE.NCCU.MBA.020.2018.F08
Appears in Collections:	[MBA Program] Theses

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