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    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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    89.葉憶如(2018a),國泰世華玉山銀獵才 提供資訊替代役名額,經濟日報,檢自: https://money.udn.com/money/story/5613/3077361
    90.葉憶如(2018b),電子紅包戰 北富銀槓街口,經濟日報,檢自: https://money.udn.com/money/story/5613/2991702
    91.葉憶如(2018c),富邦區塊鏈應用再下一城!切入計程車搭乘,經濟日報,檢自:https://udn.com/news/story/7255/3153960#utm_source=Facebook_PicSee&utm_medium=Social
    92.資誠(2018),資誠2018台灣金融業企業領袖調查報告。
    93.跨境電商服務網(2018),越南支付市場概況及分析,檢自: https://www.globalec.tw/info2/view/news/3/264
    94.廖君雅、洪綾襄(2017),創新X讀心 深入客戶生活圈《財訊》創舉「FinTech創新應用獎」,財訊,第 540 期,170-173。
    95.廖珮君(2017),中信銀推視訊櫃台 可24小時開戶,蘋果日報,檢自:https://tw.finance.appledaily.com/daily/20170827/37761818/hotdailyart_right
    96.廖珮君、王立德(2018),手機發紅包有3大限制,蘋果日報,檢自: https://tw.appledaily.com/finance/daily/20180203/37923201
    97.廖珮君、林巧雁(2017),ATM變身VTM 銀行櫃員生存受衝擊,蘋果日報,檢自: https://tw.appledaily.com/finance/daily/20170724/37725208
    98.遠東銀行(2018),2017年年報。
    99.蔡淑芬(2018),台新銀行Richart AI投資將登場,工商時報,檢自: http://www.chinatimes.com/newspapers/20180417000489-260210?utm_source=Facebook%20%28PicSee%29&utm_medium=Social
    100.鄭允文(2018),2018《財訊》財富管理大獎公布! 揭開投資贏家的財富密碼,財訊,第550期,120-124。
    101.賴俊明(2018) 台新前進校園 找數位金融、國際型人才,經濟日報,檢自: https://money.udn.com/money/story/6722/3012468
    102.賴寧寧(2018),王道銀行女將酋長創新法 搶下手機開戶三成市佔,商業週刊,第1588期,72-73。
    103.謝汶均(2018),高盛砸重金 買理財App,經濟日報,檢自: https://money.udn.com/money/story/5599/3090469
    104.韓化宇(2017a),王道銀推手機視訊開戶,經濟日報,檢自: https://money.udn.com/money/story/5613/2746755
    105.韓化宇(2017b),富邦LINE官方帳號 三合一,經濟日報,檢自: https://money.udn.com/money/story/5613/2751907
    106.韓化宇(2017c),銀行線上開戶大爆發,經濟日報,檢自: https://money.udn.com/money/story/5613/2587260
    107.顏俊仁、林彥廷、廖國智、李清祺(2018),金融科技專利發展的概貌,智慧財產權月刊。
    108.魏喬怡(2018a),中信銀區塊鏈 首跨音樂文創,工商時報,檢自: http://www.chinatimes.com/newspapers/20180113000323-260205
    109.魏喬怡(2018b),銀行拚財管 掀AI機器人大戰,工商時報,檢自: http://www.chinatimes.com/newspapers/20180321000481-260208
    110.魏喬怡、彭禎伶(2017),機器人理財 5家業者搶灘,工商時報,檢自: http://www.chinatimes.com/newspapers/20170419000095-260205
    111.羅鈺珊(2017),分散式帳本與區塊鏈的應用現況與挑戰,經濟前瞻,第173期,79-84。
    112.蘇珊•契斯蒂、亞諾•巴伯斯(2016),Fintech金融科技聖經。台北:商業周刊。
    113.MoneyDJ (2018),區塊鏈科技可記錄房產交易,獲美國佛蒙特州採用,財經新報,檢自: https://finance.technews.tw/2018/01/31/south-burlington-blockchain-house/

    二、英文文獻
    1.Barba, Robert (2017), With new mobile banking apps, JPMorgan and Wells Fargo pursue millennials, Bankrate, from: https://www.bankrate.com/banking/jpmorgan-wells-fargo-banking-apps-finn-greenhouse/
    2.CB Insights(2018), Where Top US Banks Are Betting On Fintech, from: https://www.cbinsights.com/research/fintech-investments-top-us-banks/
    3.Damanpour, Fariborz (1991), “Organizational innovation: A meta-analysis of effects of determinants and moderators”, Academy of Management Journal, Vol. 34, 555-590.
    4.Financial Post(2017), Goldman Sachs takes majority stake in alternative lender Financeit, from: http://business.financialpost.com/pmn/business-pmn/goldman-sachs-takes-majority-stake-in-alternative-lender-financeit
    5.Forbes(2017), Goldman Sachs Continues Retail Banking Push With Higher Savings Rate Offer, from: https://www.forbes.com/sites/greatspeculations/2017/06/07/goldman-sachs-continues-retail-banking-push-with-higher-savings-rate-offer/#44bd4e7d3cfa
    6.Harris, Ainsley (2018), Goldman Sachs Acquires Team Behind Credit Card Startup Final, Fastcompany, from: https://www.fastcompany.com/40523758/goldman-sachs-buys-credit-card-startup-final
    7.Kalay, Faruk and Lynn, Gary S. (2016), “The impact of organizational structure on management innovation an empirical research in Turkey”, Journal of Business, Economics and Finance, Vol. 5, 125-137.
    8.Lunden, Ingrid(2017), Chase closes WePay acquisition, a deal valued up to $400M, TechCrunch, from: https://techcrunch.com/2017/12/04/chase-closes-wepay-acquisition-a-deal-valued-up-to-400m/
    9.Marlin, Dan (2014), “Industry Influences On Organizational Slack”, Journal of Business & Economics Research, Vol. 12, 23-28.
    10.Morgan Stanley official website (2017), Morgan Stanley Wealth Management Introduces Send Money with Zelle® for Easy and Fast Payments, from: https://www.morganstanley.com/press-releases/morgan-stanley-wealth-management-introduces-send-money-with-zell
    11.Nakaso, Hiroshi (2016), Fintech-Its impacts on Finance, Economics and Central Banking, Bank of Japan.
    12.Nvidia Developer(2016), Citi Ventures Invests in Real-Time Fraud Prevention Startup, from: https://news.developer.nvidia.com/citi-ventures-invests-in-real-time-fraud-prevention-startup/
    13.Relbanks(2018),World’s largest bank 2018,from: https://www.relbanks.com/worlds-top-banks/market-cap
    14.Teece, David J. (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:[企業管理研究所(MBA學位學程)] 學位論文

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