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標題: | 開放銀行之創新金融服務與商業模式研究—以英國Revolut公司為例 A Study of Innovative Financial Services and Business Model about Open Banking ─ Case Study of Revolut Ltd |
作者: | Chien-Wei Chen 陳建瑋 |
指導教授: | 郭瑞祥(Ruey-Shan Guo) 郭瑞祥(Ruey-Shan Guo | rsguo@ntu.edu.tw | ), |
關鍵字: | 開放銀行,開放API,金融科技,數位銀行,第三方業者,資料交換, Open Banking,Open API,FinTech,Digital Banking,Third-Party Service Providers,Data Exchange, |
出版年 : | 2022 |
學位: | 碩士 |
摘要: | 近年來開放銀行已成為全球金融業熱門議題,原因在於傳統銀行掌握了多數消費者的金融數據,卻無善加利用,銀行許多服務已不符合現今數位時代,而開放銀行即讓原本銀行掌握之消費者資料,透過科技技術與第三方業者合作,在消費者同意的前提下,將數據傳遞給第三方業者,使其成為金融服務提供者,而銀行則扮演數據與資金供給的金融後台,提供消費者多元的金融服務。 當前各國政府在推動開放銀行有三大模式,法令強制、政策鼓勵、市場驅動,此三種方式也使各國在金融創新領域發展出不同的成果,而英國為最早推動開放銀行之國家,並採法令強制,使英國百年銀行業出現了前所未見的創新浪潮,其中又以Revolut在短短七年內,透過開放銀行政策成為英國最大的獨角獸公司,實現普惠金融的理念,故本研究以Revolut為例進行探討。 本論文透過創業、創新管理的分析框架與理論,分析Revolut的成功策略,包含以「商業模式圖與價值主張圖」獲取早期用戶與穩定的收益;如何以「破壞性創新理論」,從早期服務特定用戶到全面瓜分傳統銀行的市場?從新創公司到獲得銀行牌照?最後以「波特五力」全面剖析產業整體競爭力。進而總結出Revolut公司能夠與傳統銀行業競爭且能獲得成功的關鍵因素。 最後提出台灣的銀行能透過哪些策略,迎接未來的數位時代,做為日後傳統銀行走向開放銀行的結論與建議,期待自詡為科技島國的台灣,也能讓我們銀行業能透過開放銀行金融科技,成為亞洲創新金融中心,提升國家金融競爭力。 In recent years, open banking has become a trending topic in the global financial industry. The reason behind this is that despite holding the majority of the consumers’ financial data, traditional banks are incapable of effective data applications, with most services no longer in line with the present-day digital era. On the other hand, banks offer open banking collaborated with third parties through technology and provision of consumer data with consumers’ consent, empowering third parties to become the financial service providers, while the banks play the role of the financial backend for data and fund supply, offering consumers with diversified financial services. Currently, there are three major models for governments to promote open banking: mandatory law, policy encouragement, and market-driven. These three approaches have led to different results in financial innovation. The UK was the first country to into open banking. Among the companies, Revolut has become the largest unicorn company in the UK through its open banking policy in just seven years, realizing the concept of financial inclusion. Therefore, this study uses Revolut as the subject of investigation. This paper analyzes Revolut's successful strategies through analytical frameworks and theories of innovation management, including its 'business model map and value proposition' to obtain early users and revenue, its utilization of 'disruptive innovation theory' to serve specific users from the early stage to fully divide the market of traditional banks, and its from start-up to a banking license. Lastly, we analyzed the overall competitiveness of the industry with the 'Porter's Five Forces' and further summarized the key factors that enable Revolut to compete and achieve success. In closing, we proposed the strategies that banks in Taiwan can adopt to embrace the future digital era as a conclusion and recommendation for traditional banks to move towards open banking in the future. We hope that Taiwan, a self-proclaimed technology island nation, can also empower our banking industry to become an innovative financial center in Asia through open banking financial technology and increase the country's financial competitiveness. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/85965 |
DOI: | 10.6342/NTU202203612 |
全文授權: | 同意授權(全球公開) |
電子全文公開日期: | 2023-09-01 |
顯示於系所單位: | 創業創新管理碩士在職專班(EiMBA) |
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U0001-2009202200003700.pdf | 3.83 MB | Adobe PDF | 檢視/開啟 |
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