FinTech──顛覆金融服務的資訊科技：現在與未來

FinTech - Information Technology Subverting the Financial Services

隨著資訊通訊科技發展，金融產業在雲端運算、行動商務、大數據分析與社群平台等科技的商業應用之整合逐漸成熟。本研究主要探討很多「金融科技」（FinTech）相關議題，例如FinTech如何迅速在市場上不斷發展，同時產生創新、低成本的金融服務。其次，本論文將在深入了解全球金融機構的現狀，確定過去為何會加速FinTech成長的問題點，特別是FinTech在下列方面比傳統銀行更具優勢：P2P網路借貸、網路收支付、群眾募資，以及機器人顧問（Robo-Aadviser）。之後本論文會討論透過經由FinTech的創新方式，以及此金融發展的趨勢：電子支付、物聯網（IoE）應用、API經濟。最後提出未來針對FinTech公司和初創企業進行競爭的解決方案。

With the development of information and communication technology (ICT), financial technology industries are getting mature under the commercial integration of applications of new technologies such as cloud computing, intelligence analysis, mobile commerce, social media, etc. This study is mainly focusing on lots of financial technology (FinTech) related issues, such as how quickly FinTech is growing in the financial market, while producing innovative and low-cost financial services. Then this paper will be an in-depth understanding of the status of global financial institutions to determine why the FinTech was accelerating in the yesteryears, especially in the following areas where FinTech advantages over the traditional banking institutes: P2P online-lending, crowdfunding, Internet payment, and financial Robo-Aadviser. This paper will then discuss some innovative ways by FinTech, as well as the trend of FinTech development: electronic payment, Internet of things (IoE) applications, application programming interface (API) economy. Finally, the possible solutions for the competition between the FinTech companies and start-ups will be discussed.