2020年隨著全球流行性傳染疾病爆發,各國政府規範人們社交距離並執行隔離政策,許多社交及公共場合因而關閉,導致全球經濟景氣急據下降。美國聯準會FED及全球央行紛紛實施無限量量化寬鬆或調降基準利率,嚴重利差的縮小重創了銀行業的獲利。此時不需直接接觸即可完成金融交易行為的金融科技Fintech再度成為眾所矚目的焦點,同時也是銀行業4.0得以實現的重要契機。因此,本研究以模糊層級分析法分析台灣銀行業推動金融科技發展專案評估模式建構,實證分析結果可提供台灣中小企業銀行在發展金融科技專案之參考策略。實證結果顯示,考慮之各項條件與企業內外部之影響變數前五名為政府法規與政策、外部同業競爭、外部異業競爭、系統開發成本及資訊人才與研發團隊。
Following the outbreak of global epidemic infectious diseases in 2020, The governments regulated differs countries with the social distance of people and implement isolation policies. Many of social and public places are closed, resulting in a sharp decline in the global economic. The Federal Reserve Board of Fed and the global central bank have found the implemented unlimited quantitative to loose or lower the benchmark interests rate, and the serious spread of the narrow down has severely damaged the profitability of the banking industry. At the mean time, The Fintech, which could completed financial transactions without direct contact, has once again become the focus of attention, and it is also an important opportunity for the realization of banking 4.0. Therefore, this study uses fuzzy hierarchical analysis to analyzed the evaluation model construction of the Taiwan banking industry's promotion of the fintech development projects. The empirical analysis results can provide reference strategies for Taiwanese banks in the development of the fintech projects. The empirical results shows that the conditions of considered and the internal and external influence variables of the company. Also external competition, external competition, system development costs, and information talent and R & D teams are all the top five government regulations and policies