金融科技(FinTech)為金融業帶來新機遇、新挑戰，然而變革與機會總是伴隨著挑戰與風險。全球金流的跨境與競爭蔚為風潮，如何讓金融服務發揮更大效能，金融業在這領域絕不能落後，也更凸顯本研究議題之重要性。
區塊鏈是跨領域技術的整合，涵蓋資訊安全、演算法、密碼學、資料結構、數位簽章，其最重要之創新是共識演算法的突破，使其被稱為「信任機器」。其特色包括去中心化、匿名性、不可竄改性、可追蹤性以及加密安全性。基於上述特性，區塊鏈能夠解決的問題包括：一、在互不相識的情況建立信任機制；二、去除中心化降低成本；三、使資訊真實透明可追溯，並保護客戶的隱私；四、依時間順序紀錄資料。我國金融業因應區塊鏈技術興起可採取之策略：一、聯合其他同業組建或加入區塊鏈聯盟；二、與金融新創公司合作，發展核心業務之區塊鏈應用；三、銀行內部自行推動局部領域的應用，實施試驗計畫。
區塊鏈技術至今未能大規模商轉，仍有以下條件須克服，其一、多數民眾普遍對區塊鏈不夠熟悉，且對優點認知不足，無法驅動企業積極提升應用的動力；其二、區塊鏈去中心化的本質將與既得利益者的角色以及現有利益結構造成影響，成為企業推動或採用之顧慮與阻礙，其三、發展仍在初期、方向不明，技術門檻仍高，企業僅採用部分區塊鏈特性，未能運用於大規模且關鍵的商轉。
區塊鏈技術的發展已邁過第一個十年，隨著技術與市場的成熟，其時代已蓄勢待發，日常經濟活動將因區塊鏈的融入，產生巨大的改變。而金融業的變革更是刻不容緩，技術應用於金融業務將更加緊密，銀行業仍將持續存在，因為銀行體系運行良好且長久，金融科技需搭配銀行融入既有的系統才能相得益彰。

FinTech brings new opportunities and challenges to the financial industry, but change and opportunity are always accompanied by challenges and risks. The cross-border and competition of global financial flows has become a trend. How to make financial services more effective, the financial industry must not fall behind in this field, and it also highlights the importance of this research topic.
Blockchain is the integration of cross-domain technology, covering information security, algorithms, cryptography, data structures, digital signatures, and its most important innovation is the breakthrough of consensus algorithms, making it called "trust machine." Features include decentralization, anonymity, non-destructive modification, traceability, and encryption security. Based on the above characteristics, the problems that the blockchain can solve include: 1. Establishing a trust mechanism in a situation where they do not know each other; 2. Removing the centralization to reduce costs; 3. Making the information transparent and traceable, and protecting the privacy of customers;4. Record data in chronological order. The strategies that native financial industry can adopt in response to the rise of blockchain technology: First, join other peers to form or join blockchain alliances; Second, cooperate with financial start-up companies to develop blockchain applications for core businesses; Promote the application of local areas and implement pilot projects.
Blockchain technology has not been able to be transferred on a large scale, and the following conditions must be overcome. First, most people are generally not familiar with the blockchain, and they have insufficient awareness of the advantages and cannot drive the enterprises to actively enhance the application of the power; The decentralized nature of the blockchain will have an impact on the role of vested interests and the existing interest structure, and become a concern and hindrance to the promotion or adoption of the enterprise. Third, the development is still in the early stage, the direction is unknown, and the technical threshold is still high. The use of partial blockchain characteristics has not been applied to large-scale and critical business transactions.
The development of blockchain technology has passed the first decade. With the maturity of technology and market, its era is ready to go, and daily economic activities will be greatly changed due to the integration of blockchain. The reform of the financial industry is even more urgent. The application of technology to the financial business will be closer. The banking industry will continue to exist. Because the banking system works well and lasts for a long time, financial technology needs to be integrated into the existing system to complement each other.

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