純網銀在台灣發展策略研析-參考鄰近國家之經驗

The Development Strategies of Internet-only Banks in Taiwan – Case Studies on Neighboring Countries’ Experiences

李權祐(Lee Chuan-You)

指導教授 ： 郭維裕

國立政治大學/商學院/國際經營管理英語碩士學位學程(IMBA)/碩士(2021年)

https://doi.org/10.6814/NCCU202100825

摘要

本論文以英文書寫，作者無提供中文摘要。

關鍵字

純網銀 ； 生態系統 ； 金融科技 ； 數位存款帳戶 ； 開放銀行

並列摘要

Since the first internet-only bank appeared in the US more than 20 years ago, internet-only banks in Asia and in Western countries have gradually developed different business models. During the last decade, internet-only banks in Asia have been applying such a development model -- using Fintech to embed banking service into their parent companies’ ecosystem. This study attempts to analyze whether or not such an ecosystem strategy is applicable in Taiwan.
This study categorizes the three internet-only banks in Taiwan into the E-commerce category, the messaging apps category, and the telecommunications category. For each category, two representative cases are identified and studied. The case studies show some applicable strategies implemented by counterparties in neighboring countries, and the three internet-only banks in Taiwan will have to determine optimal sets of strategies that fit into their own ecosystem.
By studying cases in neighboring countries, several key success factors for online banking businesses can also be defined: (1) the ability to raise capital, (2) technological competency, and (3) resource integration capability.

並列關鍵字

Internet-only Bank ； Ecosystem ； Fintech ； Digital Deposit Account ； Open Banking

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