金融科技（FinTech）商業模式策略優化研究：以法遵科技（RegTech）為例

A Study of Strategy Optimization for FinTech Business Model: The Case of RegTech

金融科技（FinTech）正值發展階段，然而金融創新可能會與原本法律相抵觸，讓人裹足不前，甚至有可能遭受損失。法遵科技（RegTech）即是因應這個議題而出現的解決方案，其結合了法規和科技，並運用前瞻科技來管理相關領域的FinTech應用是否合乎法規要求。本研究以商業模式九宮格理論為研究架構，透過德菲法與模糊層級分析法分析RegTech的商業模式。分析結果顯示「顧客關係」區塊的重要性最為顯著，接著依序為「關鍵活動」、「關鍵資源」以及「價值主張」。而第三層級關鍵因子分析結果，重要性前六者分別為「系統可行性評估」、「大數據分析」、「經濟部、財政部企業資訊」、「長期客製化」、「人工智慧引擎」以及「資料判讀與關係描繪」，最後本研究依據分析結果探討策略優化與管理意涵，期望藉由RegTech商業模式策略優化研究，做為其他FinTech應用之商業模式參考。

FinTech is at a stage of development, however finance innovations may be in conflict with the original law. Hence, People are confused with that, and even worse got losses. RegTech is the possible solution for this issue, integrating the concepts of regulation and technology, and using edge technologies to manage applications in FinTech field whether or not follow the regulations. This study takes the Business Model Canvas as the research structure and analyzes business model of RegTech with Delphi Technique and Fuzzy Analytic Hierarchy Process (FAHP). The result indicates ''Customer Relations'' is most important, followed by ''Key Activities'', ''Key Resources'' and ''Value Proposition''. The analyzed result of the third level of FAHP shows the six more important critical factors are ''System Feasibility Assessment'', ''Big Data Analyzing'', ''Enterprise Information from Taiwan Government'', ''Long-term Customization'', ''AI Engine'' and ''Information Judgement and Description''. Finally, this study explores the strategy optimization and management implications of these previous results. This study expects the proposed business model of RegTech would be referred for other Fintech applications.