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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 曹承礎 (Seng-Cho T. Chou) | |
| dc.contributor.author | Bo Zhang | en |
| dc.contributor.author | 張 博 | zh_TW |
| dc.date.accessioned | 2021-06-16T06:46:09Z | - |
| dc.date.available | 2020-07-27 | |
| dc.date.copyright | 2020-07-27 | |
| dc.date.issued | 2020 | |
| dc.date.submitted | 2020-07-22 | |
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| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/57439 | - |
| dc.description.abstract | Fintech is a very popular topic that is widely discussed by researchers worldwide. In China, fintech has gained dramatic development due to the internet technology, mobile technology and consumer preference on the use of mobile phone for multiple purposes. In the finance sector, mobile applications (apps) become important media for financial organisations to reach and engage their users. This paper attempts to explore fintech development in China and tries to identify popular fintech techniques that banks are using with the aim of enhancing user engagement. Then, assessment on each technique is conducted via consumer survey to capture their consumer attitudes towards identified techniques (loyalty scheme, user interface, add-value services, investment advertorial, AI chatbot, and bank staff coaching). From dimensions of consumer awareness, engagement and liking, each technique is evaluated among different respondent groups, such as different ages, education background, and consumer characteristics. Overall, it demonstrates that Chinese consumers have positive attitude towards those identified techniques while among different groups there are differences existing by various patterns. For awareness, user interface optimization has the highest consumer awareness while investment contents and advertorials in bank apps receive the lowest awareness. For engagement, bank staff coaching on how to use bank apps is rated the highest but add-value services is regarded as lowest engaged. For liking, audiences like user interface the most however they like investment advertorial the least. That leads to the overall ranking from the most positive attitude to the least are user interface, bank staff coaching, AI chatbot, loyalty scheme, add-value services and investment advertorial, as conclusions of this research. | en |
| dc.description.provenance | Made available in DSpace on 2021-06-16T06:46:09Z (GMT). No. of bitstreams: 1 U0001-2107202011124100.pdf: 2188033 bytes, checksum: ce29837c84f48a0b573a64beae25c5c9 (MD5) Previous issue date: 2020 | en |
| dc.description.tableofcontents | Table of Contents 論文審定書 ii Acknowledgement iii Abstract iv 1.Introduction 1 1.1 The Aim of the Dissertation 1 1.2 Background 1 1.3 Global Fin-tech Industry 2 1.4 China’s Fin-tech Industry 6 1.4.1 Internet Penetration Mobile Tendency 6 1.4.2 Characteristics of China’s fintech 7 1.5 Research Objectives 15 2. Literature Review 15 2.1 Definition of Fin-tech; 15 2.2 Evolution of Fintech 16 2.2.1 Phases of Digitization 16 2.2.2 Smart Media (ATM/Online Banking/Mobile Banking) 17 2.2.3 Online Banking 19 2.2.4 Mobile Banking (Apps) 20 2.3 Digital Divide 21 2.3.1 Digital Investment Drives Digital Capability 21 2.3.2 SuperApp Phenomenon 22 2.3.3 Banks Respond to Competition 24 2.4 Digital Techniques 24 2.5 Chinese Consumers in Fintech 26 2.6 Consumer Attitude 27 2.6.1 Definition and Features of Consumer Attitude 27 2.6.2 Model of consumer attitude 27 2.7 Hypotheses Development 28 3. Methodology 28 3.1 Research Approach 28 3.2 Survey Approach 29 3.3 Research Design 29 3.3.1 Sample Technique Sample Planning 29 3.3.2 Questionnaire Design 30 4. Findings 31 4.1 Hypotheses Testing 33 4.1.1 Consumer’s Acceptance Level of Fintech (bank APPs) 33 4.1.2 Consumer Trust in Bank APPs 37 4.1.3 Awareness of Techniques 37 4.1.4 Engagement of Techniques 39 4.1.5 Emotion of the techniques 42 5. Discussion and Managerial Implications 47 5.1 Critical Mass Comes Early and Highly Educated Users Act More Quickly 47 5.2 High Level of Trust Provides a Solid Fundamental for Digitization 48 5.3 Rich in Functionality but Poor in Awareness 48 5.4 Make Every Touchpoint Meaningful to Consumers 49 5.5 Overall Liking is Positive but Not High Enough 50 6. Conclusion 50 7. Limitation and Further Research 51 References and Bibliography 53 Appendices 58 Appendix 1 58 Appendix 2 62 | |
| dc.language.iso | en | |
| dc.subject | 銀行員工指導 | zh_TW |
| dc.subject | 用戶操作界面 | zh_TW |
| dc.subject | 智能助手 | zh_TW |
| dc.subject | 忠誠度 | zh_TW |
| dc.subject | 投資資訊 | zh_TW |
| dc.subject | 銀行手機應用 | zh_TW |
| dc.subject | 金融科技 | zh_TW |
| dc.subject | 增值服務 | zh_TW |
| dc.subject | AI chatbot | en |
| dc.subject | bank APP | en |
| dc.subject | loyalty scheme | en |
| dc.subject | User interface | en |
| dc.subject | add-value services | en |
| dc.subject | investment advertorial | en |
| dc.subject | Fintech | en |
| dc.subject | bank staff coaching | en |
| dc.title | 中國消費者對金融科技的認受程度與提高其使用度之分析 | zh_TW |
| dc.title | An Analysis on Chinese Consumer Attitudes towards Fintech Techniques – Effort to Increase APP User Engagement | en |
| dc.type | Thesis | |
| dc.date.schoolyear | 108-2 | |
| dc.description.degree | 碩士 | |
| dc.contributor.oralexamcommittee | 盧信銘(Hsin-Min Lu),周子元(Dawn Chou) | |
| dc.subject.keyword | 金融科技,銀行手機應用,忠誠度,用戶操作界面,增值服務,投資資訊,智能助手,銀行員工指導, | zh_TW |
| dc.subject.keyword | Fintech,bank APP,loyalty scheme,User interface,add-value services,investment advertorial,AI chatbot,bank staff coaching, | en |
| dc.relation.page | 62 | |
| dc.identifier.doi | 10.6342/NTU202001682 | |
| dc.rights.note | 有償授權 | |
| dc.date.accepted | 2020-07-22 | |
| 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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