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完整後設資料紀錄
DC 欄位 | 值 | 語言 |
---|---|---|
dc.contributor.advisor | 陳家麟(Chialin Chen) | |
dc.contributor.author | Ramon Emilio Scherrer | en |
dc.contributor.author | 薛睿義 | zh_TW |
dc.date.accessioned | 2021-06-17T07:17:38Z | - |
dc.date.available | 2019-07-15 | |
dc.date.copyright | 2019-07-15 | |
dc.date.issued | 2019 | |
dc.date.submitted | 2019-07-11 | |
dc.identifier.citation | Berger, R., (2013). Asia Asset Management: Consider Taiwan. Munich: Roland Berger GmbH. Retrieved from:
https://www.rolandberger.com/en/Publications/Asia-Asset-Management-Consider-Taiwan.html Betterment (2019). Make the most of your money. Retrieved from: https://www.betterment.com/why-betterment/ Chen, A., (2011). The behavior of Taiwanese investors in asset allocation. Asia-Pacific Journal of Business Administration Vol. 3 No. 1, pp. 62-74 Retrieved from: https://www.emeraldinsight.com/loi/apjba Deutsche Bank (2017). Robo-advice – a true innovation in asset management. Frankfurt: Deutsche Bank AG. Retrieved from: www.dbresearch.com%2FPROD2FRoboadvice_%3_a_true_innovation_in_asset_managemen.PDF&usg=AOvVaw1PihVnRNvsjGrRkwmO76Fm Dietrich, A. (2018). Digifolio bei der BLKB: Erste Zahlen zum Online-Vermögensverwaltungs-Tool. Luzern: Hochschule Luzern. Retrieved from: https://blog.hslu.ch/retailbanking/2018/05/22/digifolio-bei-der-blkb-erste-zahlen-zum-online-vermoegensverwaltungs-tool/ Digifolio (2019). Digifolio, die Online-Vermögensverwaltung. Retrieved from: https://web.blkb.ch/digifolio/ Dyson (2002). Strategic Development and SWOT Analysis at the University of Warwick. European Journal of Operational Research 152 (2004) 631–640. Retrieved from: http://scholar.google.com.tw/scholar_url?url=http://citeseerx.ist.psu.edu/viewdoc/downlopdf&hl=de&sa=X8lxT7Imoi=scholarr Edwards, B., (2018). The Rise of Automated Investment Advice: Can Robo-Advisors Rescue the Retail Market? Chicago-Kent Law Review Vol 93. Retrieved from: https://www.google.com/url?sa=t&Ld-N7Ni0ZxVK9H Ernst & Young (2018). The evolution of Robo-advisors and Advisor 2.0 model. Retrieved from: www.ey.com%2FPublication%2FvwLUAssets%2Fey-the-evolution-of-robo-advisors-and-advisor-2-model%2F%24FILE%2Fey-the-evolution-of-robo-advisors-and-advisor-2-model.pdf&usg=AOvVaw1ZRlLZmlOpYqqDyuD4Dob7 Financial Supervisory commission FSC (2018), Domestic Banking Institutions. Retrieved from: https://www.banking.gov.tw/en/home.jsp?id=18&parentpath=0,5 Huang, C., (2018) Spatial Competition of the Bank Branch Networks in Taiwan. (Masterthesis). Taipei, National Taiwan University Morningstar (2018). Wie erfolgreich sind aktiv verwaltete Fonds? Das Morningstar Aktiv-Passiv-Barometer. Retrieved from: http://www.morningstar.de/de/news/169858/wie-erfolgreich-sind-aktiv-verwaltete-fonds-das-morningstar-aktiv-passiv-barometer.aspx PWC (2018). Asset & Wealth Management Market Intelligence Digest Taiwan. Singapore: PricewaterhouseCoopers LLP. Retrieved from: Fmarket-research-centre%2Fsample-reports%2Fsamg=AOvVaw3ZbopA66LmEt6VW9sKvUkv Remis (2015). Strategy: TheProper Use of M&A Tools. Whitepaper No.2. Remis Financial Engineering. Retrieved from: https://www.google.com/url?sa=t&rct=j&q=&esrP2-Strategy_The_Proper_Use_of_M_and_A_Tools-v2.pdf&usg Russel, K. & Co. (2018). Cost Efficiency Analysis of Local Commercial Banks in Taiwan. Asian Economic Journal Vol 33: 87-108. Retrieved from: https%3A%2F%2Fonlinelibrary.wiley.com%2Fdoi%2Ffull%2F10.1111%2Fasej.12170&usg=AOvVaw023VbUTPdMatxj6Pyn8ixS Scalable Capital (2019). Die Vermögensverwaltung der Zukunft. Retrieved from: https://ch.scalable.capital/ Selma (2019). How Selma works: From signup to investing. Retrieved from: https://support.selma.io/l/en/article/oZ3Zn8OTiR-how-selma-works Statista (2019). Robo-Advisors worldwide. Retrieved from: https://www.statista.com/outlook/337/100/robo-advisors/worldwide#market-revenue Taiwan News (2018). Taiwan's FSC mulls establishment of pure digital banks. Taiwan News 24.1.2018. Retrieved from: https://www.taiwannews.com.tw/en/news/3348599 Truewealth (2017). BLKB lanciert Digifolio und erweitert digitales Angebot für Anleger. Retrieved from: https://www.truewealth.ch/de/medienmitteilungen/2017-07-27 | |
dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/73103 | - |
dc.description.abstract | . | zh_TW |
dc.description.abstract | There has long been talk of the digitalisation of the banking world, especially in the area of payment transactions. In wealth management, however, many processes are still carried out manually at high prices and relatively non-transparent for the customer. Some Robo-Advisor providers have already established themselves in the USA and Europe. With this new type of wealth management, asset allocation is determined by an algorithm only seconds after a customer's questionnaire on his risk behaviour has been evaluated. In Taiwan, no assets are yet managed by Robo-Advisor. This is due to the conservative laws that currently do not allow this type of wealth management.
This work examines the question of whether existing providers need to rethink their strategy and adapt it if necessary, or whether the digitalization of wealth management is just a little hype and can be ignored. To answer the question, the product must be analysed from two sides. On the one hand, it is about which providers are on the market, with which products and which interests. On the other hand, there are customers who need advice on wealth management. Here, research is carried out into where the client's interests lie and what obstacles exist. The product Robo-Advisor is defined and the market volume and potential is visualized by means of literature research. Existing models are examined and differences are clarified. Interviews provide further important inputs for the development of the business model. The research clearly shows a considerable market potential for Robo-Advice. This is not the result of a growing overall market, but rather at the disadvantage of traditional wealth management. Existing and potential clients are becoming more and more digitally affine and see fewer and fewer reasons for expensive and non-transparent wealth management. Banks in Taiwan currently have little interest in switching from high-margin wealth management to much less profitable digital products (Russel, K. &Co., 2018). There is a high probability that large providers will soon be able to enter the market with transparent and cheap services. As a result, Taiwanese banks will lose assets managed without a digital solution. Customers will be less tied to the existing solution because of the simple account opening procedure of the digital providers. Due to the forthcoming changes, Taiwanese banks are strongly advised to adopt a digital strategy. The implementation can take place internally or in cooperation with an existing Robo-Advisor. Which option is better depends on the respective situation. The digital investment solution can be marketed separately from the existing business. At most under its own brand name. Specifically, the following points must be implemented: -Development and implementation of a Robo Advisor concept for large and financially strong banks; - Implementation of an existing Robo Advisor concept via white labeling for small and medium-sized banks; - Simple and fast onboarding via homepage; - State-of-the-art platform via browser and smartphone app; - Differentiation through high personalization and clear and transparent offers. | en |
dc.description.provenance | Made available in DSpace on 2021-06-17T07:17:38Z (GMT). No. of bitstreams: 1 ntu-108-R06749055-1.pdf: 2170426 bytes, checksum: 60fe146564da785e691a33e8fa47cf92 (MD5) Previous issue date: 2019 | en |
dc.description.tableofcontents | I. Abstract & Keywords 1
II. Table of Contents 3 III. List of Illustrations 6 IV. List of Figures, Tables 6 Chapter 1: Introduction 7 1.1 Problem statement 7 1.2 Goal of the thesis 8 1.3 Research process 9 Chapter 2: Definition and Characteristics 11 2.1 Scope and characteristics of Robo-Advisory 11 2.2 The positioning of Robo-Advisor platforms 12 2.3 Who is Robo-Advisory targeting? 12 Chapter 3: Banking in Taiwan 14 3.1 Implementations 16 Chapter 4: Established digital banks 18 4.1 Digifolio 18 4.1.1 Onboarding 18 4.1.2 Investment process 19 4.1.3 Conclusion 20 4.2 Selma 20 4.2.1 Onboarding 20 4.2.2 Investment process 22 4.2.3 Conclusion 22 4.3 Betterment 23 4.3.1 Onboarding 23 4.3.2 Investment process 23 4.3.3 Conclusion 24 4.4 Scalable Capital 24 4.4.1 Onboarding 25 4.4.2 Investment process 25 4.4.3 Conclusion 25 4.5 Overview 26 Chapter 5: Challenging opportunities 27 5.1.1 Implications and SWOT-Analysis 30 Chapter 6: Interview 32 6.1 Information from interviews 32 6.2 Implications from interviews 35 6.3 Significance of the interviews 36 Chapter 7: Suggested Strategies 37 7.1 Option 1: As Is (ignoring) 37 7.2 Option 2: Do it yourself 37 7.3 Option 3: Coorperations 40 7.4 Option 4: Acquisition 41 7.5 Option 5: Alliance, Joint-venture, Merger 44 7.6 Recommendation for action 45 • Do-it-yourself 45 • Cooperation 45 • General advices 46 Chapter 8: Conclusion 47 References 49 Appendix 52 Interview Protocols 52 | |
dc.language.iso | en | |
dc.title | 台灣數位投資銀行市場分析與策略方案 | zh_TW |
dc.title | Digital Investing in Taiwan
Market Analysis and Strategy proposals for existing players | en |
dc.type | Thesis | |
dc.date.schoolyear | 107-2 | |
dc.description.degree | 碩士 | |
dc.contributor.oralexamcommittee | 許文馨(Audrey Hsu),余峻瑜(Jiun-Yu Yu) | |
dc.subject.keyword | Banking in Taiwan,Digital Banking,Robo-Advisory,Fintech,Wealth Management, | en |
dc.relation.page | 57 | |
dc.identifier.doi | 10.6342/NTU201901376 | |
dc.rights.note | 有償授權 | |
dc.date.accepted | 2019-07-11 | |
dc.contributor.author-college | 管理學院 | zh_TW |
dc.contributor.author-dept | 企業管理碩士專班 | zh_TW |
顯示於系所單位: | 管理學院企業管理專班(Global MBA) |
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