金融科技創新對投資理財業務影響之研究：以C銀行為例

隨著金融業結合了科技業的創新服務，數位科技創新改變人們的生活型態，不僅提升了金融科技產業的發展，也提升了金融產業服務的效率及競爭力，透過嚴謹的法規規範、公開且透明的資訊交易平台，對顧客提供了更便捷的金融商品服務。而金融科技 (FinTech)、數位化金融、機器人投資理財顧問、生物辨識與物聯網已不再只是報章雜誌上的名詞，而這些日新月異的技術發展已經促使傳統金融商品服務產生巨大變革，尤其以金融科技創新服務創造許多嶄新的機會，新創企業可經由提供更優質的服務，搶攻傳統金融服務市場。　　本研究為了瞭解金融科技創新後對投資理財業務之影響，其研究理論核心是植於廠商理論(Theory of Banking Firm)為基礎，再依據Campbell and Yeung (1911)所提出的Ashridge Mission模型、Waterman,Peterts and Phillips(1980)所提出的7S模型、Porter(1980)所提出的產業競爭模型及Ginter and Duncan(1990)所提出的總體環境評估架構來進行個案銀行分析。

關鍵字

金融科技；數位化金融；機器人投資理財顧問

並列摘要

As financial industry is integrated with innovative services of the technology industry, digital technology innovation changes people's lifestyles, which not only enhances the development of the financial technology industry, but also enhances the efficiency and competitiveness of financial industry services. Through strict regulations and disclosure, the open-to-public and transparent-informative trading platform provides customers with more convenient financial goods services. Therefore, FinTech, digital finance, robotic investment financial advisors, biometrics authentication and the Internet of Things (IoT) are no longer just terminologies in newspapers and magazines. These ever-changing technological developments have led to dramatic improvements and changes in traditional financial goods services. Especially technology innovation services in finance industry have created many new opportunities. New ventures have grabbed the traditional financial services market by providing much more excellent services. In order to understand the impacts of financial technology innovation on investment and wealth management business, the core of this research theory is to proceed analysis on case bank, based on the Theory of Banking Firm, and then refers to the Ashridge Mission model (proposed by Campbell and Yeung, 1911), the 7S model (proposed by Waterman, Peterts and Phillips, 1980), the industry competition model (proposed by Porter,1980) and the overall environmental assessment framework (proposed by Ginter and Duncan, 1990).