金融科技之風險管理與監理──以精準醫療、健康聯網及純網銀為例

"Fintech Risk Management and Regulation Precision Medicine, Telemedicine and Internet-only Banks"

金融科技之發展，驅動著金融業產生許多新穎之商業模式，對於現行法規定、監理規範造成衝擊，為了避免再次的金融危機，各國正思考如何制訂全新之監理政策加以因應且不抑制創新。精準醫療是最近幾年來快速崛起的一個話題；包含人工智慧在醫療應用以及健康聯網等討論。金融科技、網路發展快速，客戶的需求已從線下實體銀行轉為線上虛擬銀行，為因應客戶的需求行為的改變，促成純網路銀行的出現，各國已開始發展純網路銀行，並出現了新創的營利模式。

"The financial technology (Fintech) industry continues to invest in innovations that create exciting new products and support evolving customer preferences. In addition, many Fintechs find themselves optimizing their business model by way of new products or services in response to customer needs, and in their partnerships with more regulated firms. Precision medicine uses an individual’s unique clinical, molecular and lifestyle information to guide disease diagnosis, treatment and prevention for cancer, inherited diseases and other complex disorders. Internet only banks do not have any physical infrastructure. Instead, they invest in high end computer infrastructure that allows them to serve their customers in better and faster ways."