近年來，網路銀行、行動銀行、行動支付與P2P借貸等金融科技FinTech快速崛起，傳統的金融服務模式逐漸被取代。為了針對數位時代下的網路數位身分識別來因應資訊安全威脅不斷提升，也造就了越來越多元的數位身分管理與識別方式的議題。
綜觀產學界各項數位身分管理之研究大多著重於技術議題的探討，鮮少有針對數位身分管理的作業流程與管理制度進行研究，本研究著眼於數位身分管理對金融業產業發展上的重要性，利用文獻分析法，研究我國、新加坡、英國、歐盟、瑞典及澳洲等六個國家區域的數位身分管理機制，針對我國金融業的數位金融業務發展中，因數位身分管理而衍生的管理議題與困境，阻礙我國加快推展普惠金融的問題進行分析與研究，進而聚焦於金融業在數位身分管理信賴等級制度、電子簽章法的優化調整、擴大第三方身分驗證服務的策略及使用生物識別管理等方面提出可行的改善建議。
著眼於金融業是國家數位發展轉型的重要產業，具有不可忽視的重要性，而數位身分管理又是金融業走上現代化金融的核心關鍵，不僅有助於促進金融業的發展，同時也有助於提高國家整體的競爭力，讓我國在全球化的競爭中更具優勢。在政府與金融業界積極推動數位身分管理的發展及持續加強相關法規制度與技術能力的建設，以確保數位身分管理的運作安全與有效時。本研究對我國金融產業之數位身分管理所涉及的法源、技術及標準等相關領域之建議，期能夠提供政府及金融產業能緩解在數位身分管理的實務場景之需求與問題之參考，並做為我國其他產業推展數位化轉型的之範例。

In recent years, the rapid rise of FinTech, such as Internet banking, mobile banking, mobile payment and P2P lending, has gradually replaced the traditional financial service model. In order to meet the rising information security threats in the digital era, the digital identity management and identification methods are becoming more and more diverse.
Most of the studies on digital identity management in the industry and academia focus on technical issues, but few of them focus on the operational process and management system of digital identity management. This study focuses on the importance of digital identity management to the development of the financial industry, and uses literature analysis to study the digital identity management mechanisms in six countries and regions: Singapore, the United Kingdom, the European Union, Sweden, Australia and Taiwan. To analyze and study the management issues and dilemmas arising from digital identity management, which hinder Taiwan from accelerating the development of inclusive finance, in the process of digital finance business development in Taiwan's financial industry. Further focus on the financial industry in the digital identity management assurance level system, the optimization and adjustment of the electronic signature law, the strategy of expanding third-party identity verification services and the use of biometric management and other feasible proposals for improvement.
Focusing on the financial industry as an important industry for Taiwan's digital development and transformation, its importance cannot be ignored, and digital identity management is the core key to the modernization of the financial industry. It will not only help to promote the development of the financial industry, but also help to improve Taiwan's overall competitiveness and give Taiwan an edge in the global competition. As the government and the financial industry actively promote the development of digital identity management and continue to strengthen the relevant legal system and technical capacity to ensure the safe and effective operation of digital identity management. This study provides recommendations on the legal sources, technologies, and standards related to digital identity management in Taiwan's financial industry, with the expectation that it will serve as a reference for the Taiwanese government and financial industry to alleviate the needs and problems in the digital identity management practice scenario, and serve as a model for other industries in Taiwan to promote digital transformation.

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