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研究生(外文):Lin, Yu-Ting
論文名稱(外文):The Disruptive Innovation of Fintech – A Case Study of AlphaLoan on Credit Loan
外文關鍵詞:FintechCredit loanOpen bankingTransaction costDisruptive innovation
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金融科技公司雖仍無法在台灣經營金融特許業務,但非特許業務如支付、貸款等已經開始面臨市場瓜分的危機。傳統金融機構為了避免客戶流失與鞏固業務經營,透過開放 API 與金融科技新創公司合作,打造新型態的金融商品和服務。隨著信用貸款需求日漸攀升,如何藉由金融科技消除資訊不對稱,讓借貸雙方都能降低交易成本,使過去無法取得信用貸款的消費者得以享受信用貸款服務,成為一個值得探討的問題。
基於上述現象,本研究採用質性研究法中的個案研究法與半結構式訪談法,以開放銀行第一階段參與者中的第三方服務業者(Third-Party Service Providers,TSP)新愛世科技股份有限公司作為研究對象,探討其產品實貸比較網(AlphaLoan)如何改變信用貸款市場的生態。本研究結合交易成本理論和破壞式創新理論,探討科技如何減少消費者取得銀行資訊的交易成本進而使消費者成功申請信用貸款,並從個案了解科技在金融領域的實務應用及為消費者提供的服務價值。研究結果發現 TSP 業者藉由增加消費者的資訊取得管道而成為信用貸款市場的參與者,扮演中介者的角色以降低消費者和銀行之間的交易成本,交易成本的降低有助於信用貸款市場產生破壞式創新。
The fintech companies are still unable to run some of the financial business in Taiwan, but the financial institution start losing clients in payment and loan business. In order to avoid losing clients, the financial institution such as banks began to collaborate with fintech startups for new types of financial products or services. With the increasing demand of credit loan, It is an important topic that how to reduce information asymmetry and transaction costs.
Based on these phenomenon, this research employed qualitative research method with case study and semi-structured interview with AlphaLoan, who participated in the step 1 of the Open Banking, to figure out how the ecosystem of credit loan market changes. By transaction cost theory and disruptive innovation theory, this research explore how technology reduce the transaction cost for consumers. and help clients to apply for credit loans. TSP has created the value for clients of the practical application of technology in the financial industry. The conclusion of this case study summarized as follows.The fintech startups enter the credit loan market by provide another way for credit loan demanders to get information. Fintech has reduced the transaction costs of clients by playing a role as an intermediary, and leads to the disruptive innovation of credit loan market.
第一章 緒論 1
第一節 研究背景 1
第二節 研究動機 3
第三節 研究問題 4
第四節 研究架構 4
第二章 文獻回顧 6
第一節 金融科技 6
一、金融科技的定義 6
二、金融科技的演進 8
三、金融科技對金融業的影響 9
第二節 市場現況 12
一、開放銀行 12
二、信用貸款 14
第三節 破壞式創新 17
一、破壞式創新理論的源起 17
二、破壞式創新理論的沿革 20
三、破壞式創新和金融科技的鏈結-普惠金融 23
第四節 交易成本理論 25
一、交易成本理論的源起 25
二、交易成本理論的沿革 26
第三章 研究方法 29
第一節 質性研究法 29
第二節 個案選擇 31
第三節研究架構 33
第四章 個案分析 35
第一節 個案介紹 35
第二節 研究分析 37
一、參與開放 API 平台的好處 37
二、AlphaLoan 帶來的服務流程轉變 41
三、協助消費者取得貸款的過程 46
第五章 結論與建議 50
第一節 研究發現 50
第二節 研究結論 58
第三節 研究限制與建議 60
參考文獻 63
一、英文文獻 63
二、中文文獻 67
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