金融機構因應金融產業變化與提升未來競爭力，將嘗試投資創新科技與資訊技術，規劃導入金融科技（FinTech）與數位轉型是將傳統金融服務透過科技的方式進行，使金融機構可以提供更有效率的服務，也讓使用者可以有更便利即時的體驗，而區塊鏈技術發展試圖帶來一波新的衝擊性改變。回顧區塊鏈的研究文獻在技術和法律方面有大量研究，惟關於金融機構如何基於區塊鏈的運用評估整體業務發展的策略具體文獻很少，因此本研究提出了一種具有信度加權之模糊評估的混合決策模型，以解決這具有價值的研究主題。在經驗豐富的產業專家的支持協助之下，以台灣的一家國內銀行評估了五種基於區塊鏈的主要發展業務模型，將有助於理解關鍵因素的重要性排序，並為銀行評估明確理想有效的商業策略。本研究結果顯示，對金融產業而言關鍵的影響因素是政策和法規方面，而不是金融機構所擁有的研發新技術能力與應用，因此在這科技巨擘與新創業者不斷投入之急速變化的金融產業市場，應同時遵行監理規範並配合複雜的金融法規的監理科技發展，仍是未來金融產業需關注的議題。

Financial Institutions need to invest in emerging financial technologies (FinTech), particularly in blockchain, to maintain their competitiveness. There is a great deal of literature on the technical and legal aspects of blockchain. However, there is little specific guidance on how banks can apply a holistic model to evaluate blockchain-based business opportunities. This study proposes a hybrid decision model with confidence-weighted fuzzy assessments to fill the gap. Supported by a group of seasoned experts, five major blockchain-based business models are evaluated for a domestic bank in Taiwan. The key findings contribute to understanding the importance of the various factors involved in identifying the ideal business strategy for the bank. The result suggests that the most crucial factors are policies and regulations, not the technical capability of banks.

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