- 期刊
- OpenAccess
科技推動下的銀行創新：以眾安銀行（ZA Bank）為例探討香港的虛擬銀行挑戰
Banking Innovation Driven by Technology: Exploring the Challenges of Virtual Banking in Hong Kong through the Case of ZA Bank
摘要
本文分析香港眾安銀行如何利用金融科技創新及面對挑戰，探究金融科技在當代銀行業發展中角色與影響。眾安銀行源自中國最大網路保險公司，2019年獲香港金融管理局授予虛擬銀行牌照，提供存款、貸款及保險等服務。本文揭示眾安銀行作為虛擬銀行在技術安全風險、建立消費者信任、人才管理和市場競爭方面面臨挑戰，並詳細探討香港金融管理局監管政策如何塑造虛擬銀行業發展，對眾安銀行未來策略和香港虛擬銀行業發展前景提出展望。此外，本文通過分析眾安銀行推進金融科技策略和未來發展方向，為金融科技領域學術研究和實踐提供新視角，強調創新與安全在推動銀行業數位轉型中作用。
並列摘要
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.