隨著網路及行動裝置的普及，民眾使用網路銀行的意願也隨之提高，近年來各國的純網路銀行紛紛成立且不斷成長，我國也於2019年7月30日公布三家獲頒純網路銀行執照的銀行，代表台灣也即將進入純網路銀行時代。純網路銀行屬於商業銀行的一種，但與傳統銀行不同的是，純網路銀行不得設立實體分行，因此在營運、服務甚至風險控管上都會與傳統銀行有著顯著的差異，由於不具備實體分行，在產品及服務上被預期會透過更多科技的手法來提供，尤其近年來快速發展的金融科技更是被認為是純網路銀行提供服務的關鍵技術。

本文將探討台灣純網路銀行將如何應用金融科技於產品或服務之中，透過個案訪談法與台灣純網銀業者進行深入訪談，並透過業者之回覆探討台灣純網銀的金融科技應用。本文將透過文獻整理六大類之金融科技以及五大金融科技將大規模應用的金融領域；也將探討各種關於純網銀之定義、特色及影響之文獻回顧。此外，本文也將於產業分析章節探討傳統銀行與純網路銀行利用金融科技之SWOT分析，並探討各金融機構目前透過何種技術及方式應用金融科技於文獻探討提及之金融領域。最後分析個案訪談內容並於結尾提出關於本研究之三個結論及建議以供未來研究使用。

With the internet and mobile devices been more and more popular, the motivation of using internet-banking system is arising as well. Internet-Only Banks in all of the world are established and growing constantly and prosperously. There were three Internet-Only Banks in Taiwan got the lincenses on July, 30, 2019. It was the milestone showed that Taiwan also entered the Internet-Only Bank era. Internet-Only Bank belongs to comercial bank, but could not establish the physical branch, which is different than traditional comercial bank. This means Internet-Only Bank must has significantly difference than traditional bank in operation system, services, products and even the risk controlling system. Without physical branch, Internet-Only Bank is expected to use technology to solve the operating or service problems. Fast evolving “fintech” is been believed as the key technology for the Internet-Only Bank.

This study will discuss the way Internet-Only Bank in Taiwan use “fintech” in their products or services. By using case interview method, this study will interview one of the Internet-Only Bank in Taiwan and find out how will they use fintech. In the literature review, this study will investigate six kinds of fintech and five territories where fintech may be used. Moreover, it will collect the lituratures which are about the definition, characteristics and influences of Internet-Only Bank. In the industry analysis chapter, this study will use SWOT method to analyze the demension of using fintech from both Internet-Only Bank and traditional bank. And will gather the exisiting fintech application in the financial industry in the five territories. Finally, based on the research results, the conclusion and suggestions for future research are proposed.

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