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| Title: | 雲端技術的應用與效益：以台灣金融業為例
Application and Benefits of Cloud Technology: A Case Study in Taiwanese Financial Industry |
| Authors: | 黃彥仁
Huang, Yen-Jen |
| Contributors: | 陳嬿如
Chen, Yenn-Ru
黃彥仁
Huang, Yen-Jen |
| Keywords: | 雲端運算
金融業
數位轉型
公有雲
效益分析
金融法規
服務創新
Cloud computing
financial industry
digital transformation
public cloud
benefit analysis
financial regulations
service innovation |
| Date: | 2025 |
| Issue Date: | 2025-03-03 13:33:39 (UTC+8) |
| Abstract: | 隨著金融科技與開放銀行的崛起，全球金融業積極擁抱雲端技術，以提升服務效能、降低成本並強化競爭力。雲端技術不僅能協助金融機構處理龐大的消費者數據，更能提供高度彈性的 IT 架構，讓企業能快速回應市場變化。在 Bank 4.0 時代，雲端部署已成為金融業不可逆轉的趨勢。國際金融巨擘紛紛將雲端應用列為重點發展策略，透過雲端技術提升數據處理速度、加強客戶服務個性化，並快速推出創新金融產品。
相較於國際金融巨擘，台灣金融業在雲端技術應用上相對保守。儘管台灣金融監理機構已放寬相關規範，鼓勵金融業採用公有雲，但許多金融機構仍面臨著轉型過程中諸多挑戰，例如：既有系統的相容性問題、資安疑慮以及人才短缺等。然而，雲端技術能為金融業帶來更高的資訊安全水準，並簡化法規遵循流程。因此，台灣金融業若想在全球金融市場中保持競爭力，就必須積極推動雲端轉型，將雲端技術與既有業務緊密結合。
台灣金融業應加速雲端轉型，以掌握數位化浪潮所帶來的商機。首先，金融機構應評估自身業務需求，選擇適合的雲端服務。其次，加強資安防護，確保客戶數據安全。此外，培育雲端人才，以支持企業的雲端轉型。透過雲端技術，台灣金融業能提升營運效率、降低成本、並開發創新金融服務，在激烈的市場競爭中脫穎而出。隨著全球金融業雲端應用熱潮持續升溫，台灣金融業應及早佈局，把握雲端帶來的發展契機。
Driven by the growth of Fintech and Open Banking, global financial industry is experiencing a paradigm shift towards cloud adoption. By harnessing cloud technology, financial institutions can significantly enhance service efficiency, reduce operational costs, and gain a competitive edge. The cloud offers a scalable and flexible IT infrastructure, enabling organizations to respond swiftly to evolving market dynamics. As the financial industry enters the era of Bank 4.0, cloud deployment has become a strategic imperative. Global financial behemoths are prioritizing cloud applications to accelerate data processing, personalize customer experiences, and expedite the launch of innovative financial products.
Taiwanese financial institutions have been slower to adopt cloud technology compared to their global counterparts. Despite regulatory changes promoting public cloud adoption, many domestic institutions are grappling with challenges such as system integration, cybersecurity, and talent shortages. Nevertheless, cloud technology offers a compelling solution to enhance information security and simplify regulatory compliance. To thrive in the competitive global financial landscape, Taiwanese financial institutions must embrace cloud transformation and forge a closer integration between cloud technology and their core business.
To stay competitive in the digital age, Taiwan’s financial industry must accelerate its cloud adoption. Financial institutions should begin by assessing their specific business needs and selecting the most appropriate cloud solutions. Cybersecurity should be a top priority to safeguard customer data. Moreover, investing in cloud talent is essential to support the transformation process. By embracing cloud technology, Taiwanese financial institutions can improve operational efficiency, reduce costs, and develop innovative financial products, ultimately gaining a competitive edge in the market. As the global financial industry increasingly turns to the cloud, Taiwanese institutions must act swiftly to capitalize on these opportunities. |
| Reference: | 一、 中文文獻
1. 布雷特‧金恩（Brett king），譯者孫一仕(2013)，BANK3.0—銀行轉型未來式，財團法人 臺灣金融研訓院
2. 劉帥君(2017)，金融科技對於新一代銀行核心系統導入策略探討，國立政治大學商學院經營管理碩士學程國際金融組碩士論文
3. 王儷玲(2019)，金融科技趨勢下法遵科技與資安技術發展趨勢 (https://www.ftrc.nccu.edu.tw/wordpresseng/wp-content/uploads/2019/03/%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E8%B6%A8%E5%8B%A2%E4%B8%8B%E5%8F%B0%E7%81%A3%E6%B3%95%E9%81%B5%E7%A7%91%E6%8A%80%E7%8E%8B%E8%80%81%E5%B8%AB-1.pdf)
4. 李靜宜(2019)，銀行資料上雲端，銀行資料上雲端，金管會准了！符合條件境外公雲也能用，ITHOME (https://www.ithome.com.tw/news/131515)
5. 朱師右(2022)，2021年台灣金融業雲端投資觀測，MIC產業研究報告
6. 黃品瑄(2023)，2024年我國資訊軟體服務業產業分析，台灣經濟研究院產經資料庫
7. 余志浩(2023)，金融業開放上雲將有重大鬆綁！未來境外公雲不是重大消金應用免申請，ITHOME (https://www.ithome.com.tw/news/155815)
8. 金融監督管理委員會(2023)，金融機構作業委託他人處理內部作業制度及程序辦法
9. 台灣經濟研究院產經資料庫(2024)，2024 年我國資訊軟體服務業產業分析
10. 陳奕伶(2024)，雲端資料中心及AI服務趨勢分析，MIC產業研究報告
11. 郭育銘(2024)，公有雲端服務供應商之競合策略分析-以Oracle公司為例，國立政治大學商學院經營管理碩士學程高階經營班碩士論文
12. CIO Taiwan (2024)，2024 CIO Insight產業調查報告
二、 英文文獻
1. George Westerman et al., (2013), "The Vision Thing: Developing a Transformative Digital Vision" Capgemini Consulting
2. Yenn-Ru Chen;X. Jiang;C.H. Weng, (2020), “Can Government Industrial Policy Enhance Corporate Bidding? the Evidence of China, ' Pacific Basin Finance Journal, Vol.60, pp.101288”. (SSCI, 國科會財務領域A Tier 2期刊)
3. IMF (2017), “Fintech and Financial Services: Initial Considerations.”
4. Brett King (2018). Bank 4.0: Banking Everywhere, Never at a Bank.
5. PWC (2019), Global Fintech Report
6. Microsoft Azure(2019), Azure solutions for financial services regulatory boundaries (https://azure.microsoft.com/en-us/blog/azure-solutions-for-financial-services-regulatory-boundaries)
7. Abbott, M. (2022), "Top 10 Trends for 2022: Setting course beyond the watershed", Accenture Banking.
8. Arner, Douglas, et al., (2022), "Governing Fintech 4.0: Bigtech, Platform Finance, and Sustainable Development.", Fordham J. Corp. & Fin. L. 27
9. KPMG (2023), Pulse of Fintech H2’22 Global analysis of fintech investment (https://veri-media.io/wp-content/uploads/2023/02/kpmg-pulse-of-fintech.pdf)
10. AWS (2024), AWS financial institution customers with information about the legal and regulatory requirements in Taiwan that may apply to their use of AWS services (https://aws.amazon.com/tw/financial-services/security-compliance/compliance-center/tw/) |
| Description: | 碩士
國立政治大學
經營管理碩士學程(EMBA)
110932091 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110932091 |
| Data Type: | thesis |
| Appears in Collections: | [經營管理碩士學程EMBA] 學位論文
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