開放銀行是近一兩年來各國政府積極推動的金融創新政策之一，希望藉由開放銀行來解放由銀行掌握的消費者資料，不只讓消費者能夠對自己的資料掌握更高的自主權，同時也能讓第三方業者(Third Party Service Provider)在消費者同意的前提下來使用這些資料，藉此創造更多金融創新的機會，讓消費者能更獲得更流暢、品質更好的金融服務與體驗。在這樣的政策下，第三方業者將成為新的金融服務提供者，整個金融市場將不再只是傳統的銀行、保險、證券，這會改變消費者接觸金融服務的方式，傳統金融機構也必須重新構思如何與第三方業者合作。
我國開放銀行的推動進程分為三大階段，依序將金融商品資訊、消費者帳戶資訊以及交易面資訊，透過API開放給第三方業者使用。本研究以英國作為案例探討的主要對象，觀察英國市場上的第三方業者推出了哪些新的金融服務，整理出五大類別的應用領域，並與台灣開放銀行三階段作對照，進一步探討這些新型態的應用在台灣發展的可行性，研究其中的阻礙與困難，最後提出以下幾項建議。針對政策面提出(1)建立消費者的資料賦權機制，讓資料權確實回歸至消費者，同時也能解放資料交換的限制以及委外關係；(2)應開放更多的API種類，擴展開放銀行的應用領域，創造更多的新金融服務；(3)建立TSP治理制度，提升整體運作效率。接著針對產業面提出(1)平台式服務成為未來主流，應積極尋求合作夥伴，打造一條龍服務；(2)資料分析與演算法開發成為重要課題，如何準確分析消費者資訊是未來競爭的關鍵。

Open banking is one of the financial policies actively promoted by governments in the past few years. Liberating consumer data held by banks is one of the purposes of open banking. It not only allows consumers to have greater autonomy over their own data, but also allows third party service providers to use these materials with the consent of consumers, so it can create more opportunities for financial innovation and allow consumers to obtain smoother and better services. Under open banking, third party service providers will become new providers in financial market, and the financial market will no longer be just traditional banks, insurance, and securities. This will change the way consumers contact financial services, so traditional financial institutions must think about the cooperation with third party service providers.
The policy of open banking in Taiwan is divided into three stages, we will open financial product information, consumer account information, and transaction information to third party service providers through APIs step by step. This study takes the United Kingdom as the main object of case study, observes the new financial services in UK, sorts out five categories of application, and compares them with the three phases in Taiwan. We try to explore the feasibility of these new financial applications in Taiwan and yield some suggestions.
The suggestions of this study contain two aspects, policy and industry. In view of the suggestions for policy, it is proposed that (1) a data empowerment mechanism for consumers should be established (2) more types of APIs should be opened (3) TSP governance system. Then the suggestions for industry is proposed that (1) platform-based services become the mainstream in the future (2) data analysis and algorithm development is the key to future competition.

第一章 緒論 1
第二章 文獻回顧 5
第一節、 開放銀行發展歷程 5
第二節、 開放銀行如何改變金融服務 10
第三章 台灣開放銀行發展 24
第一節、 政策鼓勵模式與Open API平台 24
第二節、 三階段開放與API種類 25
第三節、 法令基礎與委外關係 27
第四節、 市場參與狀況 31
第四章 開放銀行創新應用及案例 35
第一節、 開放銀行創新應用 35
第二節、 五大創新應用說明 39
第三節、 國外案例 46
第四節、 國內案例 63
第五章 開放銀行應用發展分析 66
第一節、 國內外應用情境差異 66
第二節、 問題與限制 68
第六章 建議與結論 78
第一節、 研究發現 78
第二節、 未來政策建議 82
第三節、 產業建議 86
第四節、 研究限制與未來研究方向 89
參考文獻 90
附錄 93

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