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完整後設資料紀錄
DC 欄位 | 值 | 語言 |
---|---|---|
dc.contributor.advisor | 郭瑞祥(Ruey-Shan Guo) | |
dc.contributor.advisor | 郭瑞祥(Ruey-Shan Guo | rsguo@ntu.edu.tw | ), | |
dc.contributor.author | Chien-Wei Chen | en |
dc.contributor.author | 陳建瑋 | zh_TW |
dc.date.accessioned | 2023-03-19T23:30:46Z | - |
dc.date.copyright | 2022-09-30 | |
dc.date.issued | 2022 | |
dc.date.submitted | 2022-09-22 | |
dc.identifier.citation | 一、中文文獻 王儷玲 (2021)。我國開放銀行發展剖析與政策建言。財團法人台北外匯市場發展基金會專題研究計畫。政大金融科技中心。 金融監督管理委員會 (2020),金融科技發展路徑圖。 周郭傑(2020)。從英國金融創新看Open Banking共創才能多贏!金融商業模式的下一步。財金資訊季刊,(97),28-32。 財金公司 (2019)。開放API架構及未來展望,2019開放API前瞻政策與創新應用研討會。 財金公司新聞稿 (2019),創新數位金融新契機開放API平台正式啟動。 陳旨妤 (2021)。英國開放銀行第三方供應商之商業模式及服務藍圖研究。台北:國立台灣科技大學科技管理研究所碩士學位論文 黃柏堯 (2021)。開放銀行之新金融服務在台灣發展分析。台北:國立政治大學風險管理與保險學系碩士學位論文 臧正運(2020)。開放銀行的關鍵挑戰第三方服務提供者之治理模式選擇。財金資訊季刊,(97),8-15。 二、英文文獻 Alexander, O., & Yves, P. (2010). Business Model Generation. John Wiley and Sons. Alexander, O., & Yves, P., & Gregory, B., & Alan, S., & Trish, P. (2014). Value Proposition Design. John Wiley & Sons Singapore Pte. BIAN (2020). Global Open Banking Initiatives and the added value of the BIAN Open Standards. Clayton, C. (2013). The Innovator's Dilemma: When New Technologies Cause Great Firms to Fail. Harvard Business Review Press. Michael, P., & Paweł, W. (2021). Challenger bank as a new digital form of providing financial services to retail customers in the EU internal market. The case of Revolut. In Michael, P., & Paweł, W. (Ed.), The Digitalization of Financial Markets (pp.175-193). Taylor & Francis. Porter, M. E. (1980). Competitive strategy: Techniques for analyzing industries and competitors. New York: The Free Press Sahlman, W.A. (1997). How to write a great business plan. Harvard business review, 75, 4, 98-108. Tadas, V. & Tomas, V. (2018). Disruption of the Financial Services Industry: A Case Study of British Fintech Startup Revolut. Copenhagen Business School, Copenhagen. 三、網站資料 李靜宜 (2020)。開放銀行第二階段Q3上路,18支消費者資訊開放API和規範細節終於公開。取自:https://www.ithome.com.tw/news/137909 李靜宜 (2019)。專訪英國政府CMA開放銀行業務負責人,開放銀行英國經驗大公開。取自:https://www.ithome.com.tw/news/128318 金融監督管理委員會新聞稿 (2020)。金管會持續推動「開放銀行」邁向第二階段「消費者資訊查詢」新里程碑。取自:https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=202012310001&dtable=News 高敬原 (2021)。蘋果將取代銀行?金融教父Brett King談未來10年想像:銀行數位收入少於一半會有問題!取自:https://www.bnext.com.tw/article/61653/brett-king-interview 財金資訊股份有限公司(2019)。開放API服務,取自:https://www.fisc.com.tw/TC/Business?Caid=219ca7b9-2ae0-4fee-aedb-510430c01771&tab=2 Banking Industry Architecture Network. (2020). Global Open Banking Initiatives and the added value of the BIAN Open Standards.Retrieved from: https://bian.org/participate/bian-webinars/global-open-banking-initiatives-added-value-bian-open-standards/ CB Insights. (2021) State of Fintech Q2 2021 Report.Retrieved from: https://www.the-digital-insurer.com/wp-content/uploads/securepdfs/2021/07/1829-%E2%80%93-CB-Insights_Fintech-Report-Q2-2021.pdf Competition &Markets Authority. (2016). Retail bankingmarket investigation. Retrieved from: https://www.gov.uk/government/organisations/competition-and-markets-authority David, C. (2022).Revolut Revenue and Usage Statistics.Retrieved from: https://www.businessofapps.com/data/revolut-statistics/ Erin, H.(2022).Will Taiwan's banks stay stuck in a '1980s' time warp?Retrieved from: https://www.bbc.com/news/business-60918337 Gill, S. (2022).Revolut tops 20m customers worldwide on 7th anniversary. Retrieved from: https://www.rte.ie/news/business/2022/0714/1310255-revolut-tops-20m-customers-on-7th-anniversary/ Lisa, P. (2021). Vlad Yatsenko, a Ukrainian who co-founded Revolut, becomes a billionaire after an $800M round and a $33B valuation.Retrieved from: https://ain.capital/2021/07/16/revolut-raises-800m-at-33b-valuation/ King, I. (2018). New UK banks challenge dominance of 'big four'. Retrieved from: https://news.sky.com/story/revolut-is-uks-first-digital-bank-unicorn-11347255 Monetary Authority of Singapore. (2022). Financial Industry API Register. Retrieved from: https://www.mas.gov.sg/development/fintech/financial-industry-api-register Nikhil, B. (2022). Revolut Business Model: How Does UK’s Most Valuable Private Tech Startup Work? Retrieved from: https://www.apptunix.com/blog/revolut-business-model/ Open Banking Implementation Entity. (2022). API PERFORMANCE STATS in 2022.Retrieved from: https://www.openbanking.org.uk/api-performance/ RevolutOfficial website. (2022). Retrieved from: https://www.revolut.com/ Revolutwikipedia. (2022). Retrieved from: https://en.wikipedia.org/wiki/Revolut Red, H. (2017). Revolut: Speed, Efficiency and Scale for a Fintech Heavyweight. Retrieved from: https://www.redherring.com/europe/revolut-speed-efficiency-scale-fintech-heavyweight/ Salter, P. (2015). London Fintech Entrepreneur Talking About A Revolution. Retrieved from: https://www.forbes.com/sites/philipsalter/2015/12/09/london-fintech-entrepreneur-talking-about-a-revolution/?sh=74ee57c37b21 CB Insights. (2021) State of Fintech Q2 2021 Report. Retrived from: https://www.cbinsights.com/research/report/fintech-trends-q2-2021/ Tony, C. (2021). OPEN BANKING IS HERE TO STAY. Retrieved from: https://internationalbanker.com/banking/open-banking-is-here-to-stay/ U.S. Government Accountability Office.(2016). Financial Regulation:Complex and Fragmented Structure Could Be Streamlined to Improve Effectiveness. Retrieved from: https://www.gao.gov/products/gao-16-175 | |
dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/85965 | - |
dc.description.abstract | 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。 | zh_TW |
dc.description.abstract | 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. | en |
dc.description.provenance | Made available in DSpace on 2023-03-19T23:30:46Z (GMT). No. of bitstreams: 1 U0001-2009202200003700.pdf: 3924227 bytes, checksum: a73f64be15dfd199b3cce0154971151c (MD5) Previous issue date: 2022 | en |
dc.description.tableofcontents | 論文審定書 i 感言與誌謝 ii 中文摘要 iii ABSTRACT iv 目錄 v 表目錄 vii 圖目錄 viii 第一章、研究緒論 1 1.1、研究背景與動機 1 1.2、研究目的與問題 3 1.3、研究方法與架構 5 第二章、文獻探討 7 2.1、開放銀行之發展背景 7 2.2、價值主張與商業模式 10 2.2.1、價值主張圖 10 2.2.2、商業模式圖 10 2.3、破壞式創新 14 2.4、波特五力 15 第三章、各國開放銀行之發展分析 18 3.1、全球發展狀況 18 3.2、英國 20 3.3、新加坡 25 3.4、美國 30 3.5、台灣 35 3.6、台灣開放銀行之挑戰 41 第四章、個案研究 44 4.1、Revolut發展與現況分析 44 4.1.1、創立初期 46 4.1.2、公司理念 47 4.1.3、以顧客為核心 48 4.2、Revolut創新開放銀行應用分析 50 4.2.1、跨國匯兌 50 4.2.2、旅遊保險 52 4.2.3、日領工資 54 4.2.4、消費帳單整合 56 4.2.5、各銀行帳戶整合 57 4.2.6、寵物保險 60 4.2.7、證券與加密貨幣投資 61 4.3、價值主張與商業模式 64 4.3.1、價值主張圖 66 4.3.2、商業模式圖 64 4.4、破壞式創新 72 4.5、波特五力分析 76 4.6、台灣開放銀行如何推動之看法 81 第五章、結論與建議 83 5.1、研究結論 83 5.2、研究建議 85 參考文獻 87 | |
dc.language.iso | zh-TW | |
dc.title | 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 | zh_TW |
dc.title | A Study of Innovative Financial Services and Business Model about Open Banking ─ Case Study of Revolut Ltd | en |
dc.type | Thesis | |
dc.date.schoolyear | 110-2 | |
dc.description.degree | 碩士 | |
dc.contributor.oralexamcommittee | 陳家麟(Chia-lin Chen),陸洛(Luo lu) | |
dc.subject.keyword | 開放銀行,開放API,金融科技,數位銀行,第三方業者,資料交換, | zh_TW |
dc.subject.keyword | Open Banking,Open API,FinTech,Digital Banking,Third-Party Service Providers,Data Exchange, | en |
dc.relation.page | 100 | |
dc.identifier.doi | 10.6342/NTU202203612 | |
dc.rights.note | 同意授權(全球公開) | |
dc.date.accepted | 2022-09-22 | |
dc.contributor.author-college | 管理學院 | zh_TW |
dc.contributor.author-dept | 創業創新管理碩士在職專班 | zh_TW |
dc.date.embargo-lift | 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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