- 學位論文
金融科技貸款關鍵成功因素：LendMN作為蒙古快速發展的小額貸款企業個案分析
Success factors of fintech lending: A case study of LendMN to be the fastest-growing microcredit company in Mongolia
摘要
金融科技不論在發達國家還是發展中國家都受到關注。它可以劃分為多個不同應用，諸如支付、國際匯款、保險，以及貸款。儘管金融科技創投企業失敗率高，但總體數量卻在逐年遞增。 在金融科技這一激烈競爭產業中要獲得成功不容易，除了內外各種因素會影響其目標實現外，選擇哪一種應用也將是一個重要考量點。 在蒙古，金融科技應用的重點在於貸款業務，具體是對小額無需擔保貸款的供應。其次為支付類應用。 LendMN是一家金融科技創投企業， 自2017年開始運營貸款業務，主要是滿足顧客對於金融機構所未能覆蓋之小額貸款需求。基於先進技術的LendMN除了打破傳統金融機構的業務局限性，它的出現更多的刺激了這些金融機構對於提升產品與服務的實際需求。這一破壞式創新為其造就了即便後繼者與金融機構後起猛追它也在小額貸款市場中保持絕對優勢地位。 這項研究將通過LendMN的發展過程介紹其小額貸款業務， 通過過往文獻研究與對數據進行分析，探討LendMN商業模式的關鍵成功因素。
並列摘要
The Fintech (Financial technology) has been attracting much interest in not only in developed countries but also in underdeveloped countries. It can be divided into several segments, such as payment, international money transfer, insurance, and lending. The number of Fintech startup companies increasing year by year while others failed to start a business. In this intense rivalry in the fintech industry, positioning successfully in a market is not easy, and diverse factors, both internal and external, will play significant roles in the achievement. Besides, it also depends on which types of fintech platform the company uses. In Mongolia, the development of fintech is dominated by the lending platform of fintech, namely the lending in small size and without any collateral followed by the payment system. The LendMN is the fintech startup company that was launched its service at the beginning of 2017 and attempts to fill the gap between customers and the financial institutions in the lending field. Leaning on technological advancement, the LendMN has disrupted not only the inconvenient traditional brick and mortar financial institutions but also leveraged those financial institutions’ product and service improvement. This disruptive innovation brings the company as a market leader in the microcredit industry, followed by the newcomers and remodeling the services of the financial institutions. This paper will introduce the LendMN to be the recent fastest-growing micro-lending company through its milestone. Furthermore, the study will determine the key success factor of the business model of LendMN through an extensive literature study and secondary research.