English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 94586/125118 (76%)
Visitors : 30543275      Online Users : 156
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    Please use this identifier to cite or link to this item: http://nccur.lib.nccu.edu.tw/handle/140.119/130493

    Title: 五大人格如何影響消費者對開放銀行新型金融科技的看法
    How Big Five Personality Traits Affect Consumer Perceptions on New Open Banking Fintech Applications
    Authors: 李蕓
    Lee, Yun
    Contributors: 蘇威傑
    Su, Wei-Chieh
    Lee, Yun
    Keywords: 開放銀行
    Open Banking
    Big Five Personality Traits
    Date: 2020
    Issue Date: 2020-07-01 13:31:38 (UTC+8)
    Abstract: 開放銀行早在2015年時已在歐洲實施,而在2019年台灣正式開始推行開放銀行政策,開放銀行的概念是在消費者的授權同意之下,銀行要將消費者的金融數據資料開放給其他第三方服務機構,目的是希望藉由開放銀行,將資料的主導權還給消費者,並透過金融數據的共享,激盪出更多創新的金融服務,增加消費者及社會的利益。


    While open banking was first implemented in Europe in 2015, it was not until 2019 when the said policy was practiced in Taiwan. The concept of open banking is, with the consumer’s consent, allowing the bank to share consumer’s financial data to other third-party service providers. The aim is to return the dominance of data to consumers, and through the sharing of financial data, stimulate more innovative financial services in order to increase consumer and social benefits.

    Although open banking brings mostly convenience to consumers, it cannot be denied that putting out your financial data for third-party service providers to see poses a possible security risk. This study utilizes the most widely used big five personality traits and on how these traits affects consumer perception towards open banking. In the end, the study was able to formulate two research questions namely (1) What is the effect of the big five personality traits on the attitude of using open banking? (2) What is the effect of the big five personality traits on the willingness of using open banking?

    We interviewed 50 people aged 20-69 who used smartphones. The research method used both descriptive analysis and linear regression analysis in order to understand the effect of the big five personality traits on the attitude and willingness of using open banking. Result from regression analyses suggests that Extroversion is negatively related to consumer concerns of using open banking. Consumer gender is negatively related to consumer concerns of using open banking. Open banking application services is positively related to consumer willingness of using open banking. In the end, practical implications for open banking are given.
    Reference: 一、中文部分


    國立政治大學金融研究中心Open Banking,2019。 http://openbanking.org.tw/intro搜尋日期:西元2020年5月10號



    Accenture consulting . 2018. Making Open Banking a Platform for Industry Transformation-An Australian Perspective. https://www.accenture.com/_acnmedia/pdf-84/accenture-open-banking-platform-for-transformation-australia.pdf. Accessed May 13, 2020.

    Caligiuri, P. M. 2000 . The Big Five Characteristics as Predictors of Expatriate’s Desire to Terminate the Assignment and Supervisor-Rated Performance, Personnel Psychology, 53:67-88.

    Ipsos MORI Social Research Institute. 2018 . Open Banking Data Sharing Dilemmas.
    https://www.ipsos.com/sites/default/files/ct/publication/documents/2018-04/open-banking-data-sharing-dilemmas.pdf . Accessed May 13, 2020.

    Judge, T. A., & Zapata, C. P. 2015. The person-situation debate revisited: Effect of situation strength and trait activation on the validity of the Big Five personality traits in predicting job performance. Academy of Management Journal, 58(4), 1149-1179.

    Komarraju, M., Karau, S. J., Schmeck, R. R., & Avdic, A. 2011. The big five personality traits, learning styles, and academic achievement. Personality and Individual Differences, 51 (4), pg. 472-477

    Nadkarni, S., & Herrmann, P. 2010 . CEO Personality, Strategic Flexibility, and Firm Performance: The Case of the Indian Business Process Outsourcing Industry. Academy of Management Journal, Vol. 53, No. 5, 2010, pp. 1050-1073.

    Rammstedt, B., & John, O. P. 2007. Measuring personality in one minute or less: A 10-item short version of the Big Five Inventory in English and German. Journal of Research in Personality, 41(1), 203-212.

    Soto, C. J., & John, O. P. 2017. The next Big Five Inventory (BFI‐2): Developing and assessing a hierarchical model with 15 facets to enhance bandwidth, fidelity, and predictive power. Journal of Personality and Social Psychology, 113, 117– 143.

    The Open Data Institute . 2019 . Open Banking, Preparing for lift off.
    https://www.openbanking.org.uk/wp-content/uploads/open-banking-report-150719.pdf .Accessed May 13, 2020
    Description: 碩士
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0107351018
    Data Type: thesis
    DOI: 10.6814/NCCU202000529
    Appears in Collections:[國際經營與貿易學系 ] 學位論文

    Files in This Item:

    File Description SizeFormat
    101801.pdf2569KbAdobe PDF0View/Open

    All items in 政大典藏 are protected by copyright, with all rights reserved.

    社群 sharing

    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback