| 英文摘要 |
This article analyzes the innovation practices and challenges faced by ZA Bank in Hong Kong in utilizing financial technology, to understand the role and impact of financial technology in the contemporary banking industry development. ZA Bank, originating from China's largest online insurance company, was granted a virtual banking license by the Hong Kong Monetary Authority in 2019, offering services including deposits, loans, and insurance. This paper reveals the challenges faced by ZA Bank as a virtual bank in aspects such as technological security risks, consumer trust building, talent management, and market competition. It also explores in detail how the regulatory policies of the Hong Kong Monetary Authority shape the development of the virtual banking industry and presents prospects for the future strategy of ZA Bank and the development outlook of Hong Kong's virtual banking industry. Furthermore, by advancing the financial technology strategy of ZA Bank and analyzing future development directions, this paper provides new perspectives for academic research and practice in the field of financial technology, emphasizing the role of innovation and security in driving the digital transformation of the banking industry. |
本站僅提供期刊文獻檢索。
