資通訊技術(Information and Communication Technology, ICT)的進步與金融科技(Fintech)產業發展，金融業不斷的導入各項支付服務，但因導入前未以系統化策略性思考規劃，導致產品生命週期短，投入成本高且績效不彰。區塊鏈不僅是Fintech核心技術之一，更是翻轉金融業資訊技術(Information Technology, IT)底層架構與商業模式逐漸改變，WEF預估2017年全球銀行將有80%投入區塊鏈專案，而我國金融監督管理委員會亦於2016年9月將分散式帳本納入「金融科技發展推動計畫」10項措施之一，鼓勵金融業者投入分散式帳本技術研發及主動參與國際大型研究計畫或應用聯盟，顯見區塊鏈之潛藏價值，已獲國內外金融業之重視。
金融業面對區塊鏈衝擊與商業模式逐漸改變，若仍依之前行動支付或跨境支付之快速導入模式，無系統性策略性思考模型來評估導入區塊鏈，過去慘痛的經驗恐將重蹈覆轍，甚至更加嚴重，如何建立策略性思考模型以協助金融機構有效地導入區塊鏈，即是本論文之研究動機與欲解決之問題。
本研究採用質化歸納分析方法，建構區塊鏈導入之策略思考模型(Blockchain Enabling with Strategic Thinking Model, BEST 模型)。BEST模型先以宏觀角度建立策略思考模型界面，定義輸入評估資訊與產出策略準則，包括區塊鏈之導入目標、何時導入、導入範圍、服務項目、評選區塊鏈聯盟與系統自建或委外等；找出模型的輸入與輸出界面後，再以微觀角度，採用限制理論(Theory of Constraints, TOC)之思考流程、因果關係圖之分析工具及TOC五大聚焦步驟循環評估，產出策略分析資訊，並以行動支付、跨境支付及跨國匯款來驗證BEST模型之可行性。
經由本研究BEST模型之分析，發現行動支付現行之核心衝突為消費者使用意願低、以及商家因稅務、手續費等費用成本導致合作意願不高，究其限制之根源，非區塊鏈導入即可改善或突破；跨境支付推動瓶頸係兩岸政治因素影響，市場需求不如預期，區塊鏈導入也將無法力挽狂瀾；跨國匯款以區塊鏈導入之轉型樞紐分析結果為可行，運用區塊鏈去中心化與分散式帳本之屬性，可突破現行SWIFT跨國匯款交易流程經由多家中間機構處理之限制，匯款時程約需2-4天可大幅縮短至30秒至10分鐘內入帳，手續費也因而有調降之空間。
透過本研究，對於產業、金融主管機關、學術或研究機構等後續探討區塊鏈相關研究，期能有所助益，此外對於金融業、電子支付機構或第三方支付業者，亦可從本研究獲取參考價值。

Rapid evolution of information and communication technology (ICT) and financial technology (Fintech) forces financial industry to adopt new technologies quickly. However, rush to the market without systematic thinking and overall strategy often leads to short product life cycle, high development cost and low performance. The Blockchain technology is one of the most hyped new technologies in recent years. Some people believe it has the potential to become a disruptive force to traditional financial information infrastructure and business model. World Economic Forum (WEF) predicted that 80% of the global financial institutions would invest in Blockchain research. In September, 2016, the Financial Supervisory Commission (FSC) designated the distributed ledger technology as one of the top 10 priorities in the "Financial Technology Development Plan". The FSC encourages financial institutions to invest in research and development in distributed ledger technology or join the international Blockchain alliances.
The financial industry has to adopt new technologies under the impact of Blockchain and gradual business model shifting. However, without a systematic strategy and evaluation model in adopting Blockchain, the industry will utterly fail as it did in the rush of mobile payment and cross-border payment services. In this thesis, we will report our research on how to enable Blockchain technology with strategic thinking model.
The qualitative inductive analysis method is applied in this research. We build Blockchain Enabling with Strategic Thinking Model (BEST Model), collect use cases, perform analysis, and validate the results. First, we identify the BEST Model input evaluation and output strategic criteria from the macro point of views, including of the object, enabling time, service range, selection of Blockchain alliance, and system development by self or outsourcing. Next, we build the BEST Model based on the theory of constraints (TOC) from the micro point of views including of thinking process, causal diagram tools, and TOC five focus processing steps for model evaluation.
The case studies show that challenges of mobile payment service such as low consumer usage and low retailer participation due to tax laws, processing fees, and other costs will not be overcome by adoption of the Blockchain. The cross-strait political factors that lead to lack of demand in implementation of cross-border payment system cannot be reversed by the adoption of the Blockchain, either. However, the Blockchain can still prove feasible in many other applications. For example, case studies showed that Blockchain is applicable to international remittance. The Blockchain network, a distributed ledger technology, can eliminate the risks of transaction process that are controlled by the intermediaries. Remittance time can be dramatically reduced from 2 to 4 days to 30 seconds to 10 minutes.
Our study can be a valuable reference to future follow-up research on Blockchain related topics conducted by the industry, financial authorities, government agencies, academic and/or research institutions. In addition, the financial industry, e-payment institutions or third-party payment providers can benefit from this research as well.

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