金融科技加速金融業之數位轉型與應變策略

Digital Transformation and Strategies of Financial Sectors for FinTech

近年來科技與金融產業最盛行的「FinTech」（金融科技）代表一種科技潮流，也就是金融服務業與技術的結合，像是付款、資產管理、貸款等這些金融服務過去都是由銀行獨佔的業務，隨著科技進步，許多新創FinTech企業已加入戰局。FinTech的出現帶給金融業如何改進金融產品以及改善用戶體驗的契機，同時也為個人投資者和傳統金融業創造了公平的競爭環境。本論文將探討金融科技的相關議題，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。本論文亦將深入了解全球金融機構的現狀，確定在過去的五年為何會加速FinTech成長的問題點。之後本論文會討論透過經由FinTech的創新方式，在市場民主化的過程中，它們對於傳統金融機構的競爭。接下來將討論此金融發展的趨勢，以台灣和全球第四大金融中心的新加坡為主體，探討如何透過政府的支持，以及由民間組織建立一個標準平台，集合國內所有金融服務的參與者和資源，藉此形成一個健全的「金融科技」生態圈，以因應這股FinTech浪潮。

Recently the most popular term among technology and financial industries is “FinTech”, that is, financial technology. FinTech represents a trend of technology which combines with both the financial services as well as information technology. Those such as payments, asset management, loans and other financial services are exclusively by traditional banks during the past years. However, with the advances of today’s technology, many FinTech startups have joined the competitive world of financial industries. The emergence of FinTech has not only showed how the banks and startups improve their financial products, the user experience, but also created a fair competitive environment for individual investors and wealthy financial institutions. This paper will explore the issues related to financial technology, such as how FinTech has been quickly growing in the financial market, whileas produces innovative but low-cost financial services. The paper will also be in-depth understanding of the status of global financial institutions, and determine the reasons which accelerated the growth of FinTech during the past five years. Then this paper will discuss the innovative ways of FinTech and the process of democratization in the market, as well as the competition of the FinTech innovation with traditional financial institutions. Finally the development of financial technology in Taiwan and Singapore will be discussed. The issues of FinTech development through the support of governments, how a unified platform - created by the civil societies and organizations - to gather all the participants and resources of financial market, as well as the formation of the FinTech ecosystem for coping with this FinTech wave will be investigated.