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Title: 千禧世代採用理財科技APP之意圖研究 論財務自我效能及主觀知識的影響
How do millennials adopt to use WealthTech mobile apps? The role of financial self-efficacy and subjective knowledge
Authors: 江育恆
Chiang, Yu-Heng
Contributors: 朴星俊

Park, Sung-Jun
Hu, Chang-Ya

Chiang, Yu-Heng
Keywords: 理財科技APP
WealthTech mobile apps
Financial literacy
Subjective knowledge
Financial self-efficacy
Date: 2021
Issue Date: 2021-09-02 18:22:32 (UTC+8)
Abstract: Covid-19 疫情加速了所有仰賴實體服務客戶產業的數位化進程,金融服務業也不例外。其中,財富管理產品向來是金融業很重要的獲利來源之一,隨著開放銀行(open banking)以及應用程式介面(application programming interface)等議題興起,成為各家金融服務提供者下一個創新策略的發展方向,因此研究使用者為何採用財富管理 APP 就顯得重要。隨著千禧世代成為財富管理 APP 的潛力的高價值客群,人們或許會疑惑千禧世代是否具備足夠的金融理財素養來使用投資理財APP。因此,本研究試圖分析千禧世代的金融知識對於財富管理APP 採用行為的影響,以及什麼因素可以強化金融理財素養。
Covid-19 pandemic accelerated digital transformation in any industry, relying on physical interaction with customers, especially financial services. For the financial services industry, wealth management contributes a significant portion of revenue. As open banking and banking API (application programming interface) recently have become key drivers in innovation strategy for financial service providers, it is important to examine the factors that affect WealthTech app adoption. Furthermore, since millennials became a group of high-value potential adopters, marketers might wonder whether they are equipped with sufficient financial literacy to adopt and use such investment mobile apps. Therefore, this paper aims to examine the effect of financial literacy (or knowledge) on WealthTech app adoption within the millennial generation.
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Data Type: thesis
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