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| 題名: | 純網路銀行收益策略之個案研究
A Study of the Revenue Strategy of Internet-only Banks |
| 作者: | 張育瑋
Chang, Yu-Wei |
| 貢獻者: | 尚孝純
Shang, Shiaw-Chun
張育瑋
Chang, Yu-Wei |
| 關鍵詞: | 純網路銀行
金融科技
收益策略
Internet-only bank
Fintech
Revenue Strategy |
| 日期: | 2020 |
| 上傳時間: | 2020-09-02 11:47:12 (UTC+8) |
| 摘要: | 純網路銀行透過網路與行動服務提供所有金融服務，且沒有設置任何營業據點。這類型的銀行正在蓬勃發展，從而掀起了新的數位金融浪潮。為了促使傳統銀行加快其金融創新，台灣於2019年頒發了三張純網路銀的牌照，建立純網路銀行需要投資大量資金，投資者願意出資的原因很多，但是目前收益策略尚未明確，且國外還是有許多純網路銀行為虧損階段。本研究採用內容分析法和多重個案研究，旨在歸納出純網路銀行的收益策略，並透過訪談金融業專家來驗證收益策略的完整性與適用性，最終歸納出五種純網路銀行的收益策略。預期本研究結果將對純網路銀行的營運盈利提供深入的見解。
Internet-only banks provide all of their financial services using internet or mobile services without establishing physical customer interface locations. This style of banking is booming, promulgating a new wave of digital financing. To prompt traditional banks to accelerate their financial innovation, Taiwan issued three internet banking licenses in 2019. Establishing internet banks requires vast amounts of investment capital, and there are many reasons why investors choose to get on board. However, the revenue strategy has not yet been clarified, the target demographic remains mysterious. This research adopts content analysis and multiple-case study to investigate this phenomenon in-depth and aim to summarize the revenue strategy of Internet-only banks. We verify the revenue strategy’s integrity and applicability by interviewing experts in the financial industry. The results sum up five strategies for Internet-only banks and are expected to provide insights into the establishment and operation of profitable internet-only banks. |
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| 描述: | 碩士
國立政治大學
資訊管理學系
107356024 |
| 資料來源: | http://thesis.lib.nccu.edu.tw/record/#G0107356024 |
| 資料類型: | thesis |
| DOI: | 10.6814/NCCU202001595 |
| 顯示於類別: | [資訊管理學系] 學位論文
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