台灣純網路銀行的未來發展與挑戰

Abstract

在全球金融科技快速發展下，顛覆了傳統銀行營業模式，加上網際網路普及率、智慧型行動裝置持有率的提高，皆創造了純網路銀行十分有利的發展機會，而我國金融監督管理委員會也於2018年4月26日正式宣布開放2家純網路銀行執照，在「打造數位化金融環境3.0」計畫、金融監理沙盒法案的支持下，提供台灣純網路銀行萌芽崛起的良好環境，希望純網路銀行可以提供更便利、優惠且使用者體驗更好的金融服務，同時也希望發揮鯰魚效應，激發市場的良性競爭。因此本研究欲了解台灣純網路銀行的未來發展與挑戰。 本研究透過文獻回顧與蒐集網路公開資訊、各大報章雜誌訪談等，並且統整台灣傳統銀行數位部門現況及純網路銀行產業概況，藉此來探討台灣純網路銀行的未來發展與挑戰，責成結論與建議，希望能提供政府、三大申請業者，對於在台灣推廣及建置純網路銀行時的參考與修正方向，期望協助台灣朝純網銀時代跨出關鍵的一步。

The traditional banking business model is being disrupted under the rapid development of global financial technology. In addition, the increasing penetration rate of Internet and the increasing holding rate of smart phone have created a favorable development environment for digital-only bank. On April 26, 2018, Financial Supervisory Commission(Taiwan) officially announced that they will release two digital-only bank licenses. Under the circumstance of the “Building the Digital Financial Environment 3.0” project and Financial technology development and innovation experimentation act, digital-only bank gets a good opportunity to launch in Taiwan. Financial Supervisory Commission(Taiwan) hope that digital-only bank can not only supply more convenient, cheaper and better financial services, but also stimulate the catfish effect and positive market competition. Consequently, this thesis aims to discuss the future development and challenges of digital-only bank in Taiwan. This thesis discusses the future development and challenges of digital-only bank in Taiwan through literature review and collection of public information including interviews on newspapers and magazines. Moreover, this thesis also integrates the situation of digital departments of traditional banking and digital-only bank industry in Taiwan to make conclusions and suggestions. This study hopes to provide the government and the three digital-only bank applicants with reference and direction when promoting and establishing digital-only bank in Taiwan, and hopes to assist Taiwan to take a crucial step in digital-only bank industry.