談金融科技創新與相關大數據的運用

在本文中，首先討論金融創新與金融科技創新的不同，金融創新主要由投資銀行來提供，服務的對象是跨國型或中大型的企業；金融科技創新主要由科技公司來提供，服務對象是中小型企業與個人。爾後介紹金融科技與其相關大數據技術在不同國家相關產業的運用，其中包含歐美的人工智慧投資和中國的網路保險與P2P借貸平台，並特別介紹兩家中國非常成功的金融科技創新企業-淘寶網與陸金所，最後在文末提出對於臺灣本地金融科技發展的期望。

關鍵字

金融創新；金融科技；大數據技術；電子商務； P2P借貸平台

並列摘要

In the paper, we compare and contrast the difference of financial innovation and financial technology innovation. In the past, the financial innovation is mainly provided from investment bank and the customer is international or large-scale corporations. Lately, the financial technology innovation is provided by technological company and the customer is mid or small-sized corporations or individuals. In the paper, we connect big data analysis with the evolution of financial technology. We also discuss two successful FinTech corporations in China, one is the Taobao ecommerce website and the other is the Lufax. In the end, we reveal our expectations on FinTech development in Taiwan.