研究生: |
王苡辰 I-Chen Wang |
---|---|
論文名稱: |
純網路銀行市場發展趨勢之研究 — 以台灣和德國個案為例 The Market Trend of Internet-Only Bank — Case Study of Taiwan And Germany |
指導教授: |
謝劍平
Joseph C.P. Shieh |
口試委員: |
陳俊男
Chun-Nan Chen 劉代洋 Day-Yang Liu |
學位類別: |
碩士 Master |
系所名稱: |
管理學院 - 財務金融研究所 Graduate Institute of Finance |
論文出版年: | 2021 |
畢業學年度: | 109 |
語文別: | 中文 |
論文頁數: | 66 |
中文關鍵詞: | 純網路銀行 、純網銀 、金融科技 |
外文關鍵詞: | Internet-Only Bank, Digital Banking, Fintech |
相關次數: | 點閱:381 下載:0 |
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銀行業正經歷著大規模的數位顛覆,線上存款、電子支付帳單、應用程式app皆已是最基本的標配。隨著越來越多的傳統銀行開發應用程式介面及後端即服務(BaaS)的興起代表著數位化服務及純網路銀行的時代已來臨。大多數的純網路銀行都能提供精簡快速的銀行服務,像是低費用甚至無費用的開戶手續至高於平均水平的利率,來吸引客戶。同時也能降低營運成本來增加其他銀行內部效益,這其中就包含金融科技的手段來使服務更有效率。
本研究先透過文獻研究來探討純網路銀行的定義、在疫情下全球純網銀發展概況以及面臨的營運風險。再以台灣和德國兩國個案為例,分別以環境、產業與顧客三方面來做個案分析,研究純網路銀行在兩國目前市場概況及發展趨勢。最後使用比較分析法來探討台灣與德國在背景環境、科技、監管政策、市場擴展等,分析兩國的異同為何。並在最後總結提出建議以供未來研究之參考。
The banking industry is undergoing large-scale digital disruption; online deposits, electronic payments, and apps are the most basic standards. With more and more traditional banks develop application programming interfaces and the rise of back-end-as-a-service (BaaS), means the era of digital services and Internet-Only Bank has come. Most Internet-Only Banks can provide efficient and rapid banking services, such as low-fee or no-fee account opening procedures or higher than average interest rates to attract customers. At the same time, it can reduce operating costs to increase other internal benefits. This includes financial technology to make services more efficient.
This study will first explore the definition of Internet-Only Bank, the development of global Internet-Only Banks under the epidemic, and the operational risks in the literature review. Taking the cases of Taiwan and Germany as examples, the external environment and market intelligence are used for case analysis to study the current market overview and development trends of Internet-Only Bank in the two countries. Finally, a comparative analysis method is used to explore the background environment, technology, regulatory policies, market expansion, etc., between Taiwan and Germany and analyze the similarities and differences between the two countries. Finally, the study will summarize and put forward suggestions for reference in future research.
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