Fintech 在銀行消費金融領域之商業模式探討

金融科技如今已是炙手可熱的話題，近年銀行大舉投資金融科技和積極招募相關人才，可見Fintech 對傳統銀行的體系產生了巨大的影響。不少新創公司研發的金融科技的產品要跟傳統銀行體系結合才能產生巨大的效益，這些合作關係意味著著某種具有潛力的商業模式。個人客戶一直是銀行忽略的一群人，卻是Fintech 的最大目標族群。Fintech 出現並急速發展後，多強調無人化及網絡交易的各種金融科技產品，讓個人客戶找到出口，加上研發金融科技產品的新創公司，形成了一個新的生態網。大量個人客戶轉投金融科技產品，捨棄傳統銀行的服務。消費金融中的不少產品如支付、資金移轉、儲蓄、個人貸款等都能數位化，不但減少營運成本，也更方便快速的滿足客戶的需求。傳統銀行在金融科技興起之下，本身具備的優勢也逐漸消失，如果不迅速轉型，將會流失更多客戶。金管會表示，近年來國際間金融科技如區塊鏈、人工智慧與大數據等相關技術，和商業模式快速發展，創新應用隨手機等行動裝置大量普及，促使金融業者大幅增加相關投資。投資最多的是銀行業，2018年達109億元。本論文將著重在探討傳統銀行在金融科技崛起的時代，在策略及執行上該如何調整。

關鍵字

Fintech ；金融科技；純網銀；網路銀行；機器人理財；新創公司；商業模式

並列摘要

In recent years, banks have invested heavily in Fintech and actively recruited relevant talents. Fintech had caused great impact on the traditional banks. The cooperation of Fintech products developed by start-ups with traditional banks produces huge benefits. These partnerships imply some sort of potential business models. Individual customers are always neglected by banks, but they are the main target group of Fintech. As Fintech develops, Fintech products have been focusing on online transactions, allowing individual customers and Fintech start-ups forming a new network of supply and demand. Large portion of individual customers switched to these Fintech products and abandoned traditional banks. Many products in consumer finance, such as payment, capital transfer, savings, personal loans, etc., can go online, which not only reduces operating costs, but also quickly meets customer needs. Under the rise of Fintech, the advantages of traditional banks no longer exist. More customers will be lost if traditional banks don’t reform. The FCC said that international financial technologies such as blockchain, artificial intelligence and big data, and business models have developed rapidly. Innovative applications have become popular with mobile devices, prompting financial institutions to increase their investment in these areas. This paper will focus on how traditional banks should adjust their strategies and implementation in the era of the rise of Fintech.