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題名 台灣純網銀經營策略—以香港、新加坡、英國為例之分析
The strategy of the Neobank industry in Taiwan: hints from Hong Kong, Singapore, and the United Kingdom作者 張敏賢
Cheung, Man-Yin貢獻者 黃國峯<br>傅浚映
Huang, Kuo-Feng<br>Fu, Jyun-Ying
張敏賢
Cheung, Man-Yin關鍵詞 五力分析
波特鑽石模型理論
純網銀
The Five Force theory
the Porter’s Diamond theory
neobanks日期 2022 上傳時間 1-Aug-2022 19:01:30 (UTC+8) 摘要 自2019年7月起，台灣金融監督管理委員會核准了三家純網路銀行（以下簡稱純網銀）申請，包括樂天國際商業銀行、連線銀行及即將投入服務的將來銀行。台灣的純網銀發展相對緩慢，而本地傳統銀行產業也十分競爭，台灣的純網銀應如何部署？又可以從其他國家的發展及經驗中學到什麼？本研究嘗試以個案分析來為台灣純網銀的經營策略提出淺見，當中會參考香港、新加坡及英國的純網銀發展。本研究以五力分析及波特的鑽石模型理論來比較香港、新加坡及英國的國家競爭優勢，檢視與台灣的相同之處，從而在以上國家的純網銀發展及策略中評估及提出台灣純網銀可行的經營策略。本研究最終為台灣純網銀的經營策略提出了短期及中期的建議。短期策略中，台灣的純網銀可以提供服務以解決目前顧客所面臨的痛點，同時也需要把服務連接到日常生活及加強與顧客的交流。中期的策略中，台灣純網銀可以建立起生態圈，以利用公開銀行的API提供一站式服務。
The Taiwan Financial Supervisory Commission has approved three neobanks’ applications since July 2019, including Rakuten International Commercial Bank, Line Bank, and Next Bank which will soon be running the business. The development of neobank in Taiwan is relatively slow, and the local traditional banking industry is also very competitive. How should neobank be deployed in Taiwan? What can be learned from the development and experience of other countries?This study attempts to provide some insights into the business strategy of the neobank industry in Taiwan through case analysis, which will refer to the development of neobanks in Hong Kong, Singapore, and the United Kingdom. This research compares the national competitive advantages of Hong Kong, Singapore, and the United Kingdom, based on the Porter`s Diamond Model theory and the analysis of the neobank industry by the five-force theory, examines the similarities with Taiwan and evaluates and proposes the development of Taiwan’s neobank industry and strategy from the above countries. This study finally provides short- and medium-term recommendations for the business strategy of the neobank industry in Taiwan. In the short-term strategy, neobanks in Taiwan can focus on the customers’ pain points, link the service with customers’ daily life and enhance the interaction with them. In the medium-term strategy, neobanks in Taiwan can build the ecosystem and provide a one-stop service by open banking API.參考文獻 中文文獻中央銀行（2018）。現金在支付系統中扮演的角色。頁42。 [Central Bank of the Republic of China. 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國立政治大學
企業管理研究所(MBA學位學程)
109363108資料來源 http://thesis.lib.nccu.edu.tw/record/#G0109363108 資料類型 thesis dc.contributor.advisor 黃國峯<br>傅浚映 zh_TW dc.contributor.advisor Huang, Kuo-Feng<br>Fu, Jyun-Ying en_US dc.contributor.author (Authors) 張敏賢 zh_TW dc.contributor.author (Authors) Cheung, Man-Yin en_US dc.creator (作者) 張敏賢 zh_TW dc.creator (作者) Cheung, Man-Yin en_US dc.date (日期) 2022 en_US dc.date.accessioned 1-Aug-2022 19:01:30 (UTC+8) - dc.date.available 1-Aug-2022 19:01:30 (UTC+8) - dc.date.issued (上傳時間) 1-Aug-2022 19:01:30 (UTC+8) - dc.identifier (Other Identifiers) G0109363108 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/141400 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 企業管理研究所(MBA學位學程) zh_TW dc.description (描述) 109363108 zh_TW dc.description.abstract (摘要) 自2019年7月起，台灣金融監督管理委員會核准了三家純網路銀行（以下簡稱純網銀）申請，包括樂天國際商業銀行、連線銀行及即將投入服務的將來銀行。台灣的純網銀發展相對緩慢，而本地傳統銀行產業也十分競爭，台灣的純網銀應如何部署？又可以從其他國家的發展及經驗中學到什麼？本研究嘗試以個案分析來為台灣純網銀的經營策略提出淺見，當中會參考香港、新加坡及英國的純網銀發展。本研究以五力分析及波特的鑽石模型理論來比較香港、新加坡及英國的國家競爭優勢，檢視與台灣的相同之處，從而在以上國家的純網銀發展及策略中評估及提出台灣純網銀可行的經營策略。本研究最終為台灣純網銀的經營策略提出了短期及中期的建議。短期策略中，台灣的純網銀可以提供服務以解決目前顧客所面臨的痛點，同時也需要把服務連接到日常生活及加強與顧客的交流。中期的策略中，台灣純網銀可以建立起生態圈，以利用公開銀行的API提供一站式服務。 zh_TW dc.description.abstract (摘要) The Taiwan Financial Supervisory Commission has approved three neobanks’ applications since July 2019, including Rakuten International Commercial Bank, Line Bank, and Next Bank which will soon be running the business. The development of neobank in Taiwan is relatively slow, and the local traditional banking industry is also very competitive. How should neobank be deployed in Taiwan? What can be learned from the development and experience of other countries?This study attempts to provide some insights into the business strategy of the neobank industry in Taiwan through case analysis, which will refer to the development of neobanks in Hong Kong, Singapore, and the United Kingdom. This research compares the national competitive advantages of Hong Kong, Singapore, and the United Kingdom, based on the Porter`s Diamond Model theory and the analysis of the neobank industry by the five-force theory, examines the similarities with Taiwan and evaluates and proposes the development of Taiwan’s neobank industry and strategy from the above countries. This study finally provides short- and medium-term recommendations for the business strategy of the neobank industry in Taiwan. In the short-term strategy, neobanks in Taiwan can focus on the customers’ pain points, link the service with customers’ daily life and enhance the interaction with them. In the medium-term strategy, neobanks in Taiwan can build the ecosystem and provide a one-stop service by open banking API. en_US dc.description.tableofcontents Acknowledgement iii摘要 ivAbstract vList of Table viiiList of Figure ixChapter One Introduction 11.1 Research Background 11.2 Research Questions and Objectives 21.3 Research Methodology 21.4 The Structure of the Thesis 3Chapter Two Literature Review 42.1 The Definition of Neobank 42.2 Five Force Analysis 52.3 Porter’s Diamond Model 82.4 Conclusion and Implications 8Chapter Three Data Analysis and Discussion 113.1 The Five Force Analysis in the Neobank industry in Taiwan 113.2 Industry analysis and national advantages 173.2.1 National advantages analysis of Hong Kong neobank industry 173.2.2 National advantages analysis of Singapore neobank industry 223.2.3 National advantages analysis of the United Kingdom neobank industry 253.3 Research Analysis 353.4 Research Findings 42Chapter Four Conclusions and Suggestions 484.1 Conclusions 484.2 Research Limitations 494.3 Suggestions 49References 50 zh_TW dc.format.extent 1092218 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0109363108 en_US dc.subject (關鍵詞) 五力分析 zh_TW dc.subject (關鍵詞) 波特鑽石模型理論 zh_TW dc.subject (關鍵詞) 純網銀 zh_TW dc.subject (關鍵詞) The Five Force theory en_US dc.subject (關鍵詞) the Porter’s Diamond theory en_US dc.subject (關鍵詞) neobanks en_US dc.title (題名) 台灣純網銀經營策略—以香港、新加坡、英國為例之分析 zh_TW dc.title (題名) The strategy of the Neobank industry in Taiwan: hints from Hong Kong, Singapore, and the United Kingdom en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 中文文獻中央銀行（2018）。現金在支付系統中扮演的角色。頁42。 [Central Bank of the Republic of China. 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