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| Title: | 各國銀行於金融科技之發展與比較
Development of Financial Technology in Banks |
| Authors: | 陳昱亘 |
| Contributors: | 吳啟銘
陳昱亘 |
| Keywords: | 金融科技
銀行
創新
專利
Fintech
Bank
Innovation
Patent |
| Date: | 2019 |
| Issue Date: | 2019-08-07 16:03:08 (UTC+8) |
| Abstract: | 2008年金融風暴過後，金融科技快速且蓬勃的發展，金融科技新創公司如雨後春筍般的出現，並發展茁壯，而目前全球已經有39家金融科技的獨角獸企業，金融科技被視為是破壞式的創新，且對銀行業有很大的影響，並可能侵蝕銀行的利潤，因此本研究希望探討並了解在這樣的環境中，銀行業是否做出了什麼樣因應，而銀行在金融科技上不同的發展可能受到那些因素的影響，最後我們能從國外的發展中學習到什麼。
本研究藉由探討美國、中國、英國及台灣各一家銀行，了解不同國家銀行在金融科技上的發展。透過分析這四家銀行的金融科技專利及其他對外投資或合作了解他們在金融科技上的發展，再探討影響銀行在金融科技發展上的因素。研究結果發現銀行所發展的金融科技使用技術以大數據、人工智慧及安全機制為主，而應用面以支付領域為主，影響銀行在金融科技的發展包含政府政策、銀行主要業務性質、政府持有及銀行策略。以個人金融為主的銀行投入金融科技也愈多，而國有銀行在金融科技發展上較保守，各國家金融科技發展程度也會影響銀行在金融科技的投資。
台灣的環境及銀行的能見度雖不足以讓銀行吸引到頂尖的新創業者來共同合作，但銀行有能力透過參考國外金融科技創新來發展其金融科技，並且不應排斥與其他金融科技或科技業者共同合作。
Fintech grows rapidly after 2008 financial crisis. There are now 39 fintech unicorns all over the world. Fintech is seen as a disruptive innovation, and might reduce banks’ profit. Therefore, in this paper I investigate what banks have done in response to the growth of fintech. Furthermore, what are the factors that affect banks’ development in fintech. Last, what can we learn from foreign banks’ experience on fintech.
To investigate banks’ development on fintech, banks from United States, China, United Kingdom and Taiwan are selected for the case study. I show the similarities and the differences of the development of fintech in banks, and investigate the reasons that cause the differences. I discover that banks apply big data, artificial intelligence technique more to make payment and security mechanism innovation or inventions. The factors that affect banks’ investment in fintech including government policy, the nature of the banks, government holding and banks’ strategies. Banks that focus more on personal finance tend to invest more in fintech, Government owned bank is more conservative in the investment of finetech. Finally, in those environments that are friendly for startup, there are more fintech companies, and cause banks to invest more in fintech.
Though it might be hard for Taiwanese banks to cooperate with top fintech startups, but banks have the ability to do in-house investment. However, banks should cooperate with fintech companies. |
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| Description: | 碩士
國立政治大學
財務管理學系
105357003 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0105357003 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU201900525 |
| Appears in Collections: | [財務管理學系] 學位論文
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