從金融科技探討台灣信用卡市場未來發展-以T銀行為例

金融科技（FinTech）在全球獲得高度關注，而FinTech「無現金世界」與「新興支付」兩大創新項目，與民眾的信用卡消費、行動支付與第三方支付習習相關。但FinTech發展在台灣則落後於其他國家，因此金管會於2016年5月公佈「金融科技發展策略白皮書」，由政府推動及業者推廣的雙重管道，以加速提升國內電子支付普及率。本研究從科技、法令及消費者行為三方面探討信用卡未來發展：一、在科技方面：：創新網路金融服務、推動金融大數據分析應用、普及行動支付與第三方支付應用二、法令方面：獨立經營成為信用卡業務發展的戰略選擇、推動金融監管科技、積極發展FinTech專利、成立TWID身分識別中心。三、消費者行為方面：細分市場與客戶，推出不同定價與服務、改變民眾消費習慣、FinTech競合策略。根據以上討論，本研究提出以下五點結論：一、跨領域結合專業人才二、傳統銀行結合FinTech，打造新的發展平台三、運用大數據及分析能力，提供客戶主動式服務四、跳脫既有商業模式，並從客戶角度出發五、風險管理與資訊安全的挑戰提高最後，對T銀行提出以下三點建議：一、設立研究中心以培育FinTech專業人才。二、積極與商店簽約，以擴大支付市場。三、結合行動裝置以搶佔年輕族群。

關鍵字

金融科技；信用卡；電子支付

並列摘要

Financial Technology (FinTech) is highly concerned about the world, and FinTech "no cash world" and "emerging payment" two innovative projects, with the people's credit card spending, action payments and third-party payment exercises related. However, FinTech's development in Taiwan is lagging behind other countries. Therefore, the HKMA published the White Paper on Financial Technology Development Strategy in May 2016, which was promoted by the Government and promoted by the Government to speed up the promotion of domestic electronic payment. This study explores the future development of credit cards from three aspects: technology, law and consumer behavior: 1. In the area of science and technology: innovative online financial services to promote financial data analysis applications, universal action payments and third-party payment applications 2. The decree: independent business has become a strategic choice for the development of credit card business, to promote financial supervision and technology, and actively develop FinTech patent, the establishment of TWID identity center. 3. The consumer behavior: market segments and customers, the introduction of different pricing and services, change the people spending habits, FinTech competing strategy. Based on the above discussion, this study proposes the following five conclusions: 1. Cross-field combination of professionals 2. The traditional banks combined with FinTech, to create a new development platform 3. The use of large data and analysis capabilities to provide customers with active services 4. Jump off both business model, and from the customer point of view 5. Risk management and information security challenges to improve Finally, the Bank of T proposed the following three recommendations: 1. Set up a research center to nurture FinTech professionals. 2. Actively signed with the store to expand the payment market. 3. Combined with mobile devices to seize the young people.