臺灣博碩士論文加值系統

FinTech 最近在墨西哥蓬勃發展，FinTech初創公司有很多機會開發成功的商業模式，但需要克服許多挑戰。想要成功的FinTech初創公司需要了解FinTech如何在全球範圍內發展，以及他們試圖進入的市場的FinTech生態系統。本文的目的是突出所有一般事實，想要進入墨西哥市場的金融科技創業公司應該知道何時開發技術增強的金融服務產品，並為他們提供墨西哥金融科技生態系統的重要見解。

本文分為四章，第一章致力於理解FinTech為何在發展中國家成長，最常見的FinTech產品初創公司正在努力，以及FinTech公司在全球面臨的一般機遇和挑戰。第二章包含對墨西哥市場的見解，包括金融服務可及性的概述，潛在的中小企業作為金融科技產品的目標市場，墨西哥金融科技開發與拉丁美洲其他地區的比較，以及FinTech產品事實證明在墨西哥取得了成功。

第三章解釋了政府如何努力增加金融包容性以及金融科技在政府議程中的作用。墨西哥在法規方面在拉丁美洲取得進展，本章涵蓋了墨西哥FinTech法律的細節，包括允許FinTech公司開展的活動，用於創新測試的監管Sandbox，知識產權框架，初創公司需要遵守的要求為了運營和獲得許可證，以及與電子匯款，在線借貸，眾籌，區塊鍊和加密貨幣相關的具體規定。

最後，第四章介紹了金融科技創業公司在墨西哥的資金需求，他們通常如何獲得資金，以及墨西哥對金融科技創業公司感興趣的主要投資者和加速器。

FinTech Technology is recently booming in Mexico, with many opportunities for FinTech startups to develop successful business models, but with many challenges to overcome. FinTech Startups who want to succeed need to understand how the FinTech has been evolving around the world and the FinTech ecosystem of the market they are trying to enter. The objective of this paper is to highlight all the general facts FinTech startups companies who want to enter in the Mexican market should know when developing financial services products enhanced by technology and give them important insights of the FinTech ecosystem in Mexico.

The paper is divided into four chapters, the first chapter is dedicated to understanding why FinTech is growing especially in developing countries, the most common FinTech products startups are working on, and general opportunities and challenges FinTech companies are facing around the world. The second chapter contains insights of the Mexican market including an overview of the financial services accessibility, the potential Small and Medium Enterprises represent as a target market for FinTech products, how Mexico FinTech development compare with the rest of Latin America, and the FinTech products that have proved to be successful in Mexico.

In chapter 3 is explained how the government is trying to increase the financial inclusion and the role of FinTech in the government agenda. Mexico is going ahead in Latin America in terms of regulations, this chapter covers the details of the FinTech law in Mexico, including, activities FinTech companies are allowed to conduct, regulatory Sandbox for innovation testing, intellectual property framework, requirements that startups need to comply in order to operate and to get a license, and specific regulations related to Electronic Money Transfer, Online Lending, Crowdfunding, Blockchain and Cryptocurrencies.

Finally, in Chapter four is presented the funding needs of FinTech startups in Mexico, how they usually get funds, and the main investors and accelerators in Mexico that are interested in FinTech startups.

Chinese Abstract i
English Abstract ii
Acknowledgment iii
Table of Contents iv
List of Tables v
List of Figures vi

I. FinTech Generalities 1
1.1 Technological Revolution 1 1.2 What is FinTech? 1 1.3 Opportunities for FinTech Companies 2 1.4 Collaboration Between FinTech Companies and Banks 5 1.5 FinTech Companies Challenges 5

II. Mexico FinTech Market Review 8
2.1 Mexico Financial Services Accessibility 8
2.2 Small and Medium Enterprises Role in Mexico’s Economy 9
2.3 Mobile Phones & Internet Penetration 10
2.4 FinTech Trends Comparison Between Mexico and The Rest of Latin America 12
2.5 FinTech Products in Mexico Overview 13
2.6 Digital Payment in Mexico 14
2.6.1 Digital Payment Trends 14
2.6.2 Successful Digital Payment Startups in Mexico 15
2.7 Crowdfunding and Online Lending in Mexico 16
2.7.1 Crowdfunding and Online Lending Trends 16
2.7.2 Successful Crowdfunding and Online Lending Startups in Mexico 18

III. Government Financial Inclusion Initiatives and Legal Regulations 20
3.1 Financial Inclusion Initiatives 20
3.2 FinTech Law Generalities 21
3.3 Activities Allowed in Mexico by FinTech Companies 22
3.4 General Requirements to get a License to Operate 22
3.5 General Operation Requirements by the Law 23
3.6 Blockchain and Cryptocurrencies Regulations 24
3.7 Regulatory Sandbox for Innovations Testing 24
3.8 Intellectual Property Regulations 24

IV. FinTech Investment in Mexico 26
4.1 Funding Needs Overview 26
4.2 Main FinTech Investors and Accelerators 26

V. Conclusions 29

References 30
José Ricardo Lizama (李瑞奇) CV 34

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