臺灣博碩士論文加值系統

近年因科技快速變遷，許多新興科技的出現改變了產業結構，也改變了消費者的
消費習慣，使得數位轉型成為了企業不可避免的必經之路，從公司發展策略到公司
文化皆需要納入數位轉型的範疇中。本文將根據世界經濟論壇的報告歸納統整出現
今金融業數位轉型的趨勢，包含支付、保險、存貸、籌資、投資理財、市場資訊供應等六個領域，共計十一個子項目。接著以星展銀行的例子探討數位轉型成功的關鍵，以 2014 為分界點，觀察 2009 年至 2014 年與 2015 年至今星展銀行發展策略的變化，以及歸納整理星展銀行數位轉型成功的關鍵因素。最後以 KPMG 的 2020 台灣銀行業報告觀察台灣銀行業數位轉型的挑戰及轉機，分成純網路銀行、開放銀行、區塊鏈以及人工智慧四個領域分別討論。數位轉型對於企業而言是個未知的旅程，藉由參考他人的案例以及對市場的觀察，公司可以擬定出更完善的數位商業策略。

目錄 1
第一章 國際數位金融發展態勢 3
第二章 數位轉型文獻探討 9
第三章 金融服務數位轉型 13
第一節 支付 14
一、 無現金世界（Cashless World） 14
二、 新型態支付渠道（Emerging Payment Rails） 15
第二節 保險 16
一、 保險裂解（Insurance Disaggregation） 16
二、 保險串連裝置（Connected Insurance） 17
第三節 存貸 18
一、 替代貸款管道（Alternative Lending） 18
二、 通路偏好轉變（Shifting Customer Preferences） 19
第四節 籌資 20
一、 群眾募資（Crowdfunding） 20
第五節 投資理財 21
一、 賦權投資者（Empowered Investors） 21
二、 流程外部化（Process Externalization） 22
第六節 市場資訊供應 23
一、 更智慧、更快的機器（Smarter, Faster Machines） 23
二、 新市場平台（New Market Platforms） 24
第四章 金融業數位轉型案例分析：以星展銀行為例 25
第一節 星展銀行的過去 26
第二節 星展銀行 2009 年至 2014 年間的第一次數位轉型 26
第三節 星展銀行 2015 年至今的第二次數位轉型 28
第四節 星展銀行轉型成功關鍵及挑戰 31
第五章 台灣銀行業數位轉型 33
第一節 純網路銀行 34
第二節 開放銀行 36
第三節 區塊鏈 38
第四節 人工智慧 40
第六章 結論及展望 42
參考文獻 45

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