數位轉型(Digital Transformation)近日成為膾炙人口的一門顯學，科技應用逐漸轉化人們的生活形態與消費行為，過往的商業模式若不積極進行轉型則恐被後進者超越甚至是淘汰，也因為瞬息萬變的市場變化，使得數位轉型與傳統企業競爭力的提升有著緊密的關係，尤以金融產業服務結合數位科技應運而生的金融科技(FinTech)更受人矚目，透過網路、大數據、行動通訊、區塊鏈乃至於人工智慧與金融產品、服務的結合，除提升消費者滿意度、市佔率，更將達成「普惠金融」的最終目標。
而金融科技又可劃分出另一主要應用領域–保險科技(InsurTech)；趙式隆執行長看見台灣保險業者在保險核保、理賠流程上仍耗費大量人力且行政效率低落而亟需轉型，創辦專為傳統保險產業提供解決方案的新創金融科技公司「洽吧智能 Bravo AI Co., Ltd.」，透過人工智慧等科技導入優化保險行政作業流程，提供如核保理賠自動化方案、產物保險自動定損與建立風險模型等服務。總體來說，本研究希望藉由對金融保險科技的新創事業的個案研究，提供同樣具有金融保險科技創新思維的後進者一個參考模型，給予創業方向與建議。
本研究透過哈佛式個案的方式進行研究撰寫與分析，透過深度訪談探討洽吧智能在保險科技產業下的商業模式、資源基礎、組織靈巧性，最後透過制定理論探討新創企業發展政策與外部市場環境認知下互相形塑的一個連續性過程。

Digital transformation has recently become a well-known subject. The application of technology is gradually transforming people’s lifestyles and consumer behavior. If we remain the outdated business models, we may be surpassed or even be knocked out by the latecomers. Therefore, digital transformation is considered to be highly related with the competitiveness of traditional enterprises under this volatile environment. Especially Fintech, the application of digital technology in the financial industry, has attracted wide attention. With the combination of finance and digital technologies such as artificial intelligence and others, it will not only increase the consumer satisfaction, market share, but even reach the ultimate goal - " Inclusive Financing ".
Furthermore,“Insurtech” is one another main domain in fintech. Shih-Lung Chao, the CEO of Bravo AI, realized that the consumption of immense manpower in underwriting and claims procedure led to low administrative efficiency in Taiwan insurance corporations. To help those companies improve this situation, he founded " Bravo AI Co., Ltd.", a Fintech company which aims at solving the pain point of traditional insurance industry through AI technology. Their automation solutions include automated underwriting and claims settlement process, automated loss assessment, and risk model establishment, which can enhance the process efficiency of insurance administrative operation.
Generally speaking, this research hopes to provide a reference for people who also have innovative thinking in Fintech and gives them directions and suggestions for starting a business. This research used the Harvard case method to carry on the investigation. Through in-depth interviews, we explored the management theories behind the case such as business model, resource-based view and ambidexterity, then discuss the continuous process of mutual shaping between new venture strategies and the cognition of external environment through the enactment theories.

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