(3.232.129.123) 您好!臺灣時間:2021/02/26 21:15
字體大小: 字級放大   字級縮小   預設字形  
回查詢結果

詳目顯示:::

我願授權國圖
: 
twitterline
研究生:范曉芳
研究生(外文):FAN,HSIAO-FANG
論文名稱:影響Fintech發展的因素-由國際角度分析
論文名稱(外文):Determinants of Fintech Development: Evidence from International Perspective
指導教授:謝舒帆謝舒帆引用關係
指導教授(外文):Hsieh, Shu-Fan
口試委員:周斯畏林君瀌
口試委員(外文):CHOU,SHIH-WEILIN, CHUN-PIAO
口試日期:2018-01-31
學位類別:碩士
校院名稱:國立高雄第一科技大學
系所名稱:金融系碩士班
學門:商業及管理學門
學類:財務金融學類
論文種類:學術論文
論文出版年:2018
畢業學年度:106
語文別:中文
論文頁數:56
中文關鍵詞:金融科技金融發展資訊安全公司監管效能政治監管效能科技接受度文化組織
外文關鍵詞:Financial TechnologyFinancial DevelopmentInformation SecurityCorporate Regulatory EffectivenessPolitical Regulatory EffectivenessCultural Organization
相關次數:
  • 被引用被引用:0
  • 點閱點閱:283
  • 評分評分:系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔
  • 下載下載:6
  • 收藏至我的研究室書目清單書目收藏:0
金融科技(Fintech)是一種破壞式的創新,改變人們生活和消費型態,引導著各行各業轉型,但各國金融科技的發展似乎有不一致的現象,本研究探討影響Fintech生態發展的因素,研究範圍涵蓋全世界共49個國家,包含歐洲、亞洲、美洲、大洋洲、非洲五大洲,使用聯合國開發計劃署(UNDP)的人類發展指數衡量國家發達程度,將國家分成以下三組:非常高度發展國家(Very high human development)、高度發展國家(High human development)、中低度發展國家(Medium-Low human development),分別去探討在不同國家發展程度下,其金融發展(Financial Development)、資訊安全(Information security)、公司監管效能(Company regulation)、政治監管效能(government)、科技接受度(Technology acceptance)與文化組織(Organizational culture)等屬性如何影響Fintech的發展與潛力。
本研究結果顯示,科技接受度為Fintech發展的基底,而在非常高度發展國家和中低度發展國家,金融發展與Fintech呈現負相關;資訊安全在中低度發展國家相當的重要,但在非常高度發展國家與高度發展國家重要性就不是特別顯著;而對非常高度發展國家而言,監管效能越好、且組織文化特性屬於高個人主義、高環境寬鬆指數及低權力距離指數,是發展Fintech的有利條件。

Financial Technology (Fintech) is a disruptive innovation that changes people's consumption pattern and guides the transformation of all aspects of life. However, Fintech development seems uneven around the world.
This study covers 49 countries across five continents (Europe, Asia, the Americas, Oceania and Africa). Using the Human Development Index from the United Nations Development Programme (UNDP) to measure the degree of national development, we divided 49 countires into three groups: Very high human development countires, High human development countires and Medium-Low human development countires. This study examines the effects of financial development, information security, company regulation, government regulation, technology acceptance and organizational culture on the Fintech development. Furthermore, we analyze the different effets across three groups of counties.
The results of this study show that technology acceptance is the core factor of the development of Fintech. Moreover, in Very high human development and Medium-Low human development countries, the finance development is negatively related to Fintech development. While information security is quite important in countries with Medium-Low human development, it is not significant factor affecting Fintech in Very high and High development contries. Finally, for the Very high development countries, the better regulatory efficiency and the organizational culture with high individualism, high indulgence and low power distance create a good environment for Fintech development.

中文摘要 i
Abstract ii
誌 謝 iii
目 錄 iv
表目錄 v
圖目錄 vi
第壹章 緒論 1
第貳章 文獻探討 4
第一節 金融科技(Fintech) 4
第二節 科技接受度(Technology acceptance) 5
第三節 金融發展(Financial development) 5
第四節 文化組織( Organizational culture ) 6
第五節 監管環境(Regulatory environment) 6
第六節 創新性(Innovation) 7
第七節 資訊安全性(Information security) 7
第參章 研究方法 8
第一節 研究架構與研究假說 8
一、研究架構 9
第二節 研究設計 11
一、偏最小平方法 11
第三節 研究變數的定義與分組分析 12
一、變數定義與資料來源 12
二、資料分組分析 14
第肆章 實證結果與分析 16
第一節 敘述統計分析 16
第二節 結構與測量模式分析 18
一、測量模式分析 18
二、結構模式分析 27
第伍章 結論與建議 38
第一節 研究結論 38
第二節 研究建議 40
參考文獻 43


1.Arestis, P., Demetriades, P (1997).Financial Development and Economic Growth: Assessing the Evidence. The Economic Journal, 107( 442 ), 783-799.
2.Brett, L.,(2017). A tale of 44 cities Connecting Global FinTech: Interim Hub Review 2017.Deloitte( April, 20)
3.Chen, L.(2016).From Fintech to Finlife: the case of Fintech spread in China, China Economic Journal,9(3), 225-239.
4.Cuervo, M.R.V., Menéndez, A.J.L., (2006).A multivariate framework for the analysis of the digital divide: Evidence for the European Union-15, Information and Management, 43( 6), 756-766
5. Dewan, S., Kraemer, K. L., .(2009).Information Technology and Productivity: Evidence from Country-Level Data. Management Science.46(4),548-562.
e‐commerce applications in SMEs, Ind. Manage. Data Syst. 111, pp. 1238–1269.
6.Gerrard, P., Cunningham, J.B., Devlin, J.F.,(2006).Whyconsumers are not using Internet banking: a qualitative study. Journal of Services Marketing,20(3),160–168.
7.Ghobakhloo, M., Aranda, D. A., Amado ,J. B., (2011), Adoption of
8.Gikandi, J.W., Bloor, C., (2010). Adoption and effectiveness of electronic banking in Kenya. Electronic Commerce Research and Applications,9 (4), 277–282.
9.Hair,J.F., Sarstedt, M., Ringle,C.M., and Mena, J.A.(2012).An Assessment of the Use of Partial Least Squares Structural Equation Modeling in Marketing Research,” Journal of Academy of Marketing Science,40(3),414-433.
10.Henseler, J., Ringle, C. M., and Sarstedt, M. (2015). A New Criterion for Assessing Discriminant Validity in Variance-based Structural Equation Modeling., Journal of the Academy of Marketing Science, 43(1),115-135.
11.Lee, M.,(2009). Factors influencing the diffusion of Internet banking: an integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications,8 (3), 130–141.
12.Lin ,H. F., Lin, S. M. ,(2008), Determinants of e-business diffusion: a test of the technology diffusion perspective, Technovation 28, pp. 135–145.
13.Marcoulides, G. A, Saunders , C. (2006). Editor's Comments: PLS: A Silver Bullet?. MIS Quarterly (MISQ) 30(2),.pp. iii-ix.p.5.
14.Nkhoma, M., Dang, D. (2013), Contributing factors of cloud computing adoption: a technology-organisation-environment framework approach, Int. J. Inf. Syst. Eng., 1(1), pp. 38–49.
15.Oliveira ,T., ThoMAS, M., Espadanal. M., (2014). Assessing the determinants of cloud computing adoption: An analysis of the manufacturing and services sectors. Information and Management,51(5), 497–510.
16.Png, I.P.L., Tan, B.C.Y., Wee, KL(2001). Dimensions of national culture and corporate diffusion of IT infrastructure, IEEE Transactions on Engineering Management 48 (1), 36–45.
17.Ringle, C. M., Sarstedt, M., Straub, D. (2012) A Critical Look at the Use of PLS-SEM in MIS Quarterly. MIS Quarterly (MISQ) 36(1) ,pp. iii-xiv.p.3.
18.Shih, C.-F., Dedrick, J., Kraemer, K.L.(2005). Rule of law and the international diffusion of e-commerce. Association for Computing Machinery. Communications of the ACM ,48 (11), 57-62.
19.Thatcher, J., Srite, M., Stepina, L.P., Yongmei, L.(2003). Culture, overload and personal innovativeness with information technology: extending the nomological net.Journal of Computer Information Systems 44 (1), 74–81.
20.Wixom, B. H.,Watson, H.J.,(2001).An empirical investigation of the factors affecting data warehousing success. MIS Quarterly 25(1),17-41.
21.朱美智(2014)。南韓服務貿易現況與促進服務出口主要政策 —兼論對台灣之啟示。國際金融參考資料,第六十七輯。
22.何雍慶、蔡青姿(2009)。運用 PLS 方法探討價值創新導入新產品 開發之調節角色,中華管理評論 國際學報(Web Journal of Chinese Management Review),12(2),1-25。
23.周華(2013)。互聯網金融對傳統金融業的影響。南方金融,2013(11),96-98。
24.張淑華、蔡忠佑(2003)。金融發展與經濟成長之因果關係----日本、韓國、臺灣之實證研究。國立中央大學台灣經濟發展研究中心。






書籍
1.Goldsmith, R.W., (1969). Financial Structure and Development as a Subject for International Comparative Study,Yale University Press.
2.Hair, J. F., Black, B., Babin, B., Anderson, R. E., and Tatham, R. L. (1992). Multivariate Data Analysis (6th ed.). New York: Macmillan.
3.Harman, H. H. (1976). Modern factor analysis. Chicago: University Of Chicago Press.
4.Kim, J., and Mueller, C. W. (1978). Introduction to factor analysis: What it is and how to do it. Newbury Park, CA: Sage
5.Vinzi, V.E., Chin, W.W., Henseler, J.,and Wang, H.(2010). Handbook of Partial Least Square: Concepts,Methods and Applications, Berlin, Germany:Springer-Verlag.
網路資源
1.ATM、分行 分布圖
http://data.imf.org/?sk=E5DCAB7E-A5CA-4892-A6EA-598B5463A34C
2.ENGLISH ISLAND英語島-肯亞:平均壽命49歲,卻有最創新的社會企業http://www.eisland.com.tw/Main.php?stat=a_X3gDAXi
3.GeertHofstede, 2009. Geert Hofstede. Available at (lastaccessed March 30, 2014)
4.IMF -- International Monetary Fund Home Page
http://www.imf.org/external/index.htm
5.International Human Development Indicators-United Nations Development Progeramme-Human Development Reports
http://hdr.undp.org/en/countries
6.JDSUPRA-網絡安全在英國政府戰略中處於中心地位https://www.jdsupra.com/legalnews/cyber-security-takes-centre-stage-in-uk-52767/
7.SMART PLS
https://www.smartpls.com/documentation
8.The News Lens關鍵評論-還在害怕使用行動支付嗎? 看看肯亞的行動支付如何發展得比台灣還成功
https://www.thenewslens.com/article/38438
9.The World Bank
http://www.worldbank.org/
10.TW CERT資安新聞
https://twcert.org.tw/subpages/securityInfo/securitypolicy.aspx
11.World Telecommunication/ICT indicators database – ITU
https://www.itu.int/en/ITU-D/Statistics/Pages/publications/wtid.aspx
12.人類發展指數
https://zh.wikipedia.org/wiki/%E4%BA%BA%E7%B1%BB%E5%8F%91%E5%B1%95%E6%8C%87%E6%95%B0
13.中間人經濟
http://www.books.com.tw/products/0010725779
14.平台經濟模式:從啟動、獲利到成長的全方位攻略
http://www.books.com.tw/web/sys_serialtext/?item=0010711652andpage=4
15.因素負荷量 (factor loadings) 與特徵值 (eigenvalues)
https://researcher20.com/2010/11/01/%E5%9B%A0%E7%B4%A0%E8%B2%A0%E8%8D%B7%E9%87%8F-factor-loadings-%E8%88%87%E7%89%B9%E5%BE%B5%E5%80%BC-eigenvalues/
16.行政院國家資通安全會報技術服務中心
https://www.nccst.nat.gov.tw/NewsRSSDetail?lang=zhandRSSType=newsandseq=15815
17.李承蓉(2016)。SmartPLS3實戰教學02-測量模型 vs 結構模型分析 (信效度分析,模型適配性與解釋能力)
https://www.youtube.com/watch?v=mLnu4-UwzCgandlist=PLL1GeivOzEOU4dbDUXdWPE7dw5B26cZqoandINDex=1
18.區塊練MBA智庫
http://wiki.mbalib.com/zh-tw/%E5%8C%BA%E5%9D%97%E9%93%BE
19.商周.COM-全球最成功的行動支付竟在肯亞,只靠低階手機!
http://www.businessweekly.com.tw/article.aspx?id=1377andtype=Blogandp=2
20.發展中國家
https://zh.wikipedia.org/wiki/%E5%8F%91%E5%B1%95%E4%B8%AD%E5%9B%BD%E5%AE%B6
21.維基百科
https://zh.wikipedia.org/zh-tw/%E5%B7%B2%E9%96%8B%E7%99%BC%E5%9C%8B%E5%AE%B6
22.謝章升(2013)。演講-以產出為導向-SPSS,SEM,PLS在學術論文的應用-D段(PLS與結論篇)
https://www.youtube.com/watch?v=lp6CL0SwVXQandlist=PLL1GeivOzEOU4dbDUXdWPE7dw5B26cZqoandINDex=2

QRCODE
 
 
 
 
 
                                                                                                                                                                                                                                                                                                                                                                                                               
第一頁 上一頁 下一頁 最後一頁 top
系統版面圖檔 系統版面圖檔