開放銀行商業模式於台灣發展之分析

Abstract

近年金融科技的興起，為傳統金融機構掀起一陣商業革新風潮。其中，開放銀行被視為傳統銀行、金融機構的未來發展方向與轉機。 本文以開放銀行為研究主題，欲探討台灣發展開放銀行的優劣勢，以及是否具備足夠的國家競爭力。研究從銀行從開放銀行之商業模式、機會和挑戰為著手，再針對全球發展開放銀行之領先國家為分析對象，剖析其成功因素。 接著以鑽石模型分析台灣整體環境是否足夠成熟，有利於開放銀行的發展。研究結果發現，台灣雖在內需、相關與支援性產業等方面展現了競爭力，然而在人力資源、產業環境及政策等方面則相對不足，對比領頭羊國家，仍有很大的進步空間。

With the rising of FinTech, the traditional financial institutions start their revolution of the business model. Among of the various kinds of new technologies, Open Banking is considered as the future and opportunity for the traditional banks and institutions. This thesis examines the strengths and weaknesses of Taiwan in terms of developing the business model of Open Banking, and whether Taiwan possesses sufficient competitive advantages about the issue. Starting from the business model, opportunities and challenges of Open Banking, this thesis then focuses on analyzing the global top leaders on Open Banking to explore the factors of success for these countries. To see if Taiwan has the mature environment for developing Open Banking compared with the countries in the previous chapter, this thesis uses Michael Porter’s Diamond Model to analyze the competitive advantages of Taiwan. The results suggest that although the domestic demands and the related and supporting industries in Taiwan show the strengths, the human resources, the environment of the financial industry and the policy of the government are lack of competence.