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題名 銀行業運用Fintech於業務之研究
How Banks Deploy Fintech in Services in Taiwan
作者 林怡安
Lin, Yi-An
貢獻者 于卓民<br>傅浚映
Yu, Chwo-Ming<br>Fu, Jyun-Ying
林怡安
Lin, Yi-An
關鍵詞 金融科技
組織創新
銀行
Fintech
Financial technology
Organizational innovation
Bank
日期 2018
上傳時間 3-Jul-2018 17:38:22 (UTC+8)
摘要 Fintech的議題在這近幾年於國內市場興起，各家銀行紛紛在年報透露發展Fintech的決心。而我國金融監管機關也意識到金融科技的重要性，著手推動數位化金融環境、鬆綁數位化金融法規。
在環境的驅使下，本國銀行實際發展Fintech的程度到底為何呢?是否存在有名無實的狀況？本研究鎖定具代表性的本國銀行，以次級資料為基礎，分析投入Fintech的狀況。因本研究視銀行發展Fintech為該組織創新的展現，輔以探討影響組織創新因素的文獻，來驗證本國銀行在Fintech創新的程度與特定影響組織創新因素之關聯性。
此外，由於本國銀行在Fintech發展較其他國家的銀行起步慢，本研究以在全球最受關注的金融市場運作的銀行為標竿對象（即美國前六大市值的銀行），觀察這些銀行透過轉投資與併購哪幾種領域的金融科技公司及該公司的金融科技應用為何後，進而比對本國銀行在這幾個領域的發展狀況，以提出日後本國銀行可精進的方向。
本研究顯示，本國銀行中的中國信託銀行、玉山銀行、台新銀行應用Fintech於業務較深與廣，涵蓋大數據分析、區塊鏈、金融服務軟硬體、付款與結算、借貸、財富管理、管制技術及房地產領域。如此的成果也與文獻中所提出的兩項影響創新因素有正向的關係：在技術知識資源方面，中國信託銀行與台新銀行具有較多的專利等專業資源；閒置資源方面，中國信託銀行、遠東銀行、玉山銀行、台新銀行具有較多元的閒置資源。整體來說，大部分本國銀行在針對中小企業的付款與結算及借貸業務、對個人與企業客戶的房地產業務仍有待利用大數據分析、區塊鏈等金融科技優化的空間。
Recently, the issues of Fintech turn out in domestic market. Many banks reveal the determination to deploy Fintech in service in annual reports. Government also realizes the importance of financial technology, and then starts to create digital finance environment and loosen financial regulation.
Under the circumstances, how are the real extent of Fintech of domestic banks? Is there any gap between what banks do and what banks say? Thus, the purpose of this research is to analyze the current extent of domestic banks deploying Fintech by secondary data. Besides, this research views the development of bank on Fintech as organizational innovation, so the study also evaluates the relation between the outcomes of Fintech and the factors which may influence the organization innovation according to the previous researches among domestic banks.
Furthermore, due to the lag on development of Fintech comparing domestic and foreign banks, the study chooses top banks in America as benchmark. Based on summaries of which field and operating model of Fintech companies invested or acquired by banks in America, and comparison of what domestic banks have done, the study proposes suggestion to domestic banks on direction of future development in Fintech.
Through this research, there are several discoveries and conclude as below: First, CTBC Bank, E.SUN Bank and Taishin International Bank are the banks which deploy Fintech both in wider and deeper service including field of big data analysis, blockchain, financial services software and hardware, payment and settlement, lending, wealth management, regulatory technology and real estate among eight domestic banks. Second, the outcomes of Fintech service match the two factors influencing innovation sorted out by previous researches - technical knowledge resource and slack resources. In aspect of technical knowledge resource, CTBC Bank and E.SUN Bank have the most patents on Fintech. As of respect of slack resources, CTBC Bank, Far Eastern International Bank, E.SUN Bank and Taishin International Bank all have diverse slack resources to support the development of Fintech. The last, there are still some services for most of domestic banks to advance, such as payment and settlement and lending service for SMBs, and real estate service for company and individual customers by data analysis and blockchain and so on.
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描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
105363037
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0105363037
資料類型 thesis
dc.contributor.advisor 于卓民<br>傅浚映zh_TW
dc.contributor.advisor Yu, Chwo-Ming<br>Fu, Jyun-Yingen_US
dc.contributor.author (Authors) 林怡安zh_TW
dc.contributor.author (Authors) Lin, Yi-Anen_US
dc.creator (作者) 林怡安zh_TW
dc.creator (作者) Lin, Yi-Anen_US
dc.date (日期) 2018en_US
dc.date.accessioned 3-Jul-2018 17:38:22 (UTC+8)-
dc.date.available 3-Jul-2018 17:38:22 (UTC+8)-
dc.date.issued (上傳時間) 3-Jul-2018 17:38:22 (UTC+8)-
dc.identifier (Other Identifiers) G0105363037en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/118314-
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) 105363037zh_TW
dc.description.abstract (摘要) Fintech的議題在這近幾年於國內市場興起，各家銀行紛紛在年報透露發展Fintech的決心。而我國金融監管機關也意識到金融科技的重要性，著手推動數位化金融環境、鬆綁數位化金融法規。
在環境的驅使下，本國銀行實際發展Fintech的程度到底為何呢?是否存在有名無實的狀況？本研究鎖定具代表性的本國銀行，以次級資料為基礎，分析投入Fintech的狀況。因本研究視銀行發展Fintech為該組織創新的展現，輔以探討影響組織創新因素的文獻，來驗證本國銀行在Fintech創新的程度與特定影響組織創新因素之關聯性。
此外，由於本國銀行在Fintech發展較其他國家的銀行起步慢，本研究以在全球最受關注的金融市場運作的銀行為標竿對象（即美國前六大市值的銀行），觀察這些銀行透過轉投資與併購哪幾種領域的金融科技公司及該公司的金融科技應用為何後，進而比對本國銀行在這幾個領域的發展狀況，以提出日後本國銀行可精進的方向。
本研究顯示，本國銀行中的中國信託銀行、玉山銀行、台新銀行應用Fintech於業務較深與廣，涵蓋大數據分析、區塊鏈、金融服務軟硬體、付款與結算、借貸、財富管理、管制技術及房地產領域。如此的成果也與文獻中所提出的兩項影響創新因素有正向的關係：在技術知識資源方面，中國信託銀行與台新銀行具有較多的專利等專業資源；閒置資源方面，中國信託銀行、遠東銀行、玉山銀行、台新銀行具有較多元的閒置資源。整體來說，大部分本國銀行在針對中小企業的付款與結算及借貸業務、對個人與企業客戶的房地產業務仍有待利用大數據分析、區塊鏈等金融科技優化的空間。		zh_TW
dc.description.abstract (摘要) Recently, the issues of Fintech turn out in domestic market. Many banks reveal the determination to deploy Fintech in service in annual reports. Government also realizes the importance of financial technology, and then starts to create digital finance environment and loosen financial regulation.
Under the circumstances, how are the real extent of Fintech of domestic banks? Is there any gap between what banks do and what banks say? Thus, the purpose of this research is to analyze the current extent of domestic banks deploying Fintech by secondary data. Besides, this research views the development of bank on Fintech as organizational innovation, so the study also evaluates the relation between the outcomes of Fintech and the factors which may influence the organization innovation according to the previous researches among domestic banks.
Furthermore, due to the lag on development of Fintech comparing domestic and foreign banks, the study chooses top banks in America as benchmark. Based on summaries of which field and operating model of Fintech companies invested or acquired by banks in America, and comparison of what domestic banks have done, the study proposes suggestion to domestic banks on direction of future development in Fintech.
Through this research, there are several discoveries and conclude as below: First, CTBC Bank, E.SUN Bank and Taishin International Bank are the banks which deploy Fintech both in wider and deeper service including field of big data analysis, blockchain, financial services software and hardware, payment and settlement, lending, wealth management, regulatory technology and real estate among eight domestic banks. Second, the outcomes of Fintech service match the two factors influencing innovation sorted out by previous researches - technical knowledge resource and slack resources. In aspect of technical knowledge resource, CTBC Bank and E.SUN Bank have the most patents on Fintech. As of respect of slack resources, CTBC Bank, Far Eastern International Bank, E.SUN Bank and Taishin International Bank all have diverse slack resources to support the development of Fintech. The last, there are still some services for most of domestic banks to advance, such as payment and settlement and lending service for SMBs, and real estate service for company and individual customers by data analysis and blockchain and so on.		en_US
dc.description.tableofcontents 第一章 緒論 1
第一節 研究背景 1
第二節 研究問題與目的 2
第三節 研究流程與章節簡介 3
第二章 文獻探討 5
第一節 Fintech 定義 5
第二節 影響企業創新的因素 7
第三章 研究方法 13
第一節 研究對象的選擇 13
第二節 影響創新因素與投入Fintech之關聯 14
第四章 美國銀行對Fintech之轉投資與併購 16
第五章 本國銀行業Fintech發展狀況與建議 31
第一節 本國銀行發展Fintech狀況 31
第二節 組織內部因素與創新之關係 41
第三節 對本國銀行之建議 58
第六章 結論與建議 60
第一節 研究結論 60
第二節 後續研究之建議 62
參考文獻 63		zh_TW
dc.format.extent 2499004 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0105363037en_US
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 組織創新zh_TW
dc.subject (關鍵詞) 銀行zh_TW
dc.subject (關鍵詞) Fintechen_US
dc.subject (關鍵詞) Financial technologyen_US
dc.subject (關鍵詞) Organizational innovationen_US
dc.subject (關鍵詞) Banken_US
dc.title (題名) 銀行業運用Fintech於業務之研究zh_TW
dc.title (題名) How Banks Deploy Fintech in Services in Taiwanen_US
dc.type (資料類型) thesisen_US
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21.呂清郎(2017f)，護隱私 遠銀智能分行開在13樓，工商時報，檢自: http://www.chinatimes.com/newspapers/20170817000122-260205
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24.沈哲緒(2012)，影響企業服務創新的因素與服務創新對企業績效表現-以台灣銀行業為例，國立政治大學國際經營與貿易系碩士論文。
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27.沈婉玉(2018b)，華南銀行首創行動銀行結合ATM提供刷臉無卡提款，聯合報，檢自: https://udn.com/news/story/7239/3171323
28.林丹晴(2018)，財富管理玩創新 數位服務擄獲人心，財訊，第551期，125-127。
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30.林潔禎(2017)，LINE收款查帳一手掌握　台新銀Richart官方帳號全新上線，蘋果日報，檢自: https://tw.appledaily.com/new/realtime/20170709/1157458/
31.金融理財中心(2017)，銀行App 下載量突破千萬，工商時報，檢自: http://www.chinatimes.com/newspapers/20171015000033-260202
32.金融理財中心(2018)，簽帳金融卡 也能嗶行動支付，工商時報，檢自: http://www.chinatimes.com/newspapers/20180420000498-260208
33.英語島(2017)，從ATM到Fintech看全球金融革命，第46期，檢自: http://www.eisland.com.tw/Main.php?stat=a_1TQr99H。
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35.夏淑賢(2017)，遠銀行動支付 Q4納入Line Pay，經濟日報，檢自:https://udn.com/news/story/7239/2671630
36.夏淑賢、郭幸宜(2018)，Apple Pay第三波 四國銀上線，經濟日報，檢自:https://money.udn.com/money/story/5613/3110100
37.孫中英(2017)，中信智能小C 讓你隨走隨問，聯合報，檢自: https://udn.com/news/story/7239/2749441
38.孫中英(2018)，讓手機就是提款機 銀行APP六功能超夯，聯合報，檢自: https://udn.com/news/story/7239/3027387
39.孫彬訓(2017)，老行庫 創新金融科技專利，工商時報，檢自: http://www.chinatimes.com/newspapers/20171018000326-260208
40.孫彬訓(2018)，老行庫進軍Apple Pay有影了，工商時報，檢自: http://www.chinatimes.com/newspapers/20180131000293-260205
41.翁書婷(2018)，中國信託：FinTech不僅是科技，需要新的方法與商業模式，數位時代，檢自: https://www.bnext.com.tw/article/44277/future-commerce-bank-3.0-ctbcbank
42.財訊(2017)，金控業軍備大競賽》中信金、玉山金、華南金拚人才也拚體驗，檢自: https://www.smartm.com.tw/article/33363837cea3
43.國泰世華銀行(2018)，2017年年報。
44.張佩芬(2018)，國內首例 國貿區塊鏈應用 陽明海運與中國信託合作優化國際貿易流程，工商時報，檢自: http://www.chinatimes.com/realtimenews/20180530003092-260410
45.張道宜(2017)，靠機器人理財 真能穩賺不賠？，今周刊，第1078期，118-120。
46.郭幸宜(2017a)，AI理財 200美元也OK，經濟日報，檢自: https://money.udn.com/money/story/5617/2849517
47.郭幸宜(2017b)，可遠端視訊 預約更便利，經濟日報，檢自: http://insight.udndata.com/ndapp/udntag/finance/Article?origid=8709535
48.郭幸宜(2018a)，台灣Pay 搶市 兩路出擊，經濟日報，檢自: https://money.udn.com/money/story/5613/3040525
49.郭幸宜(2018b)，台灣Pay綁信用卡 11月開放，經濟日報，檢自: https://money.udn.com/money/story/5613/3057840
50.陳怡君(2009)，台灣銀行業交易流程創新程度對經營績效之研究，國立政治大學企業管理研究所碩士論文。
51.陳怡慈(2017a)，大數據助攻 房貸審核加速，經濟日報，檢自: https://money.udn.com/money/story/5617/2448707
52.陳怡慈(2017b)，中信銀推數位時貸，經濟日報，檢自: http://insight.udndata.com/ndapp/udntag/finance/Article?origid=8710323
53.陳怡慈(2017c)，中信銀數位化 推視訊櫃台，經濟日報，檢自: https://money.udn.com/money/story/5613/2682735
54.陳怡慈(2017d)，五大數位金融 10日上秀，經濟日報，檢自: https://money.udn.com/money/story/5613/2689372
55.陳怡慈(2017e)，五大數位金融 10日上秀，經濟日報，檢自: https://udn.com/news/story/7239/2689372
56.陳怡慈(2017f)，公股銀推QR Code 做大台灣Pay，經濟日報，檢自: https://money.udn.com/money/story/5613/2746751
57.陳怡慈(2017g)，手機跨行無卡交易 台新中信銀打頭陣，經濟日報，檢自: https://money.udn.com/money/story/5613/2722653
58.陳怡慈(2017h)，台新平台再升級 線上申貸更容易，經濟日報，檢自: https://money.udn.com/money/story/5617/2772377
59.陳怡慈(2017i)，台新紅利點數 可跨國兌換，經濟日報，檢自: https://money.udn.com/money/story/5613/2841338
60.陳怡慈(2017j)，台新銀推跨行無卡提款，經濟日報，檢自:https://money.udn.com/money/story/5617/2707085
61.陳怡慈(2018a)，中信行動銀行 首創語音轉帳，經濟日報，檢自: https://money.udn.com/money/story/5613/3124583
62.陳怡慈(2018b)，中國信託大數據研發計畫「中信腦」首度曝光，經濟日報，檢自: https://udn.com/news/story/7239/3128699
63.陳怡慈(2018c)，區塊鏈支付 北富銀搶頭香，經濟日報，檢自: https://money.udn.com/money/story/5613/3140449
64.陳欣文(2017a)，投信、券商 搶搭機器人理財列車，工商時報，檢自: http://www.chinatimes.com/newspapers/20170926000288-260208
65.陳欣文(2017b)，參加WCIT 玉山展示數位金融軟實力，工商時報，檢自: http://www.chinatimes.com/newspapers/20170912000116-260210
66.陳欣文(2017c)，線上報價額度利率 玉山銀行新招 首創企業e指貸，工商時報，檢自: http://www.chinatimes.com/newspapers/20170224000123-260205
67.陳欣文(2018a)，王道銀數位帳戶 逼近10萬戶，工商時報，檢自: http://www.chinatimes.com/newspapers/20180111000303-260205
68.陳欣文(2018b)，北富銀攜momo 推電商線上融資，工商時報，檢自: http://www.chinatimes.com/newspapers/20180228000366-260208
69.陳雲上(2018)，中國信託攜手悠遊卡 推「方便付」首推自動化通路，經濟日報，檢自: https://udn.com/news/story/7239/3090901?utm_source=Facebook%20%28PicSee%29&utm_medium=Social
70.陳碧芬(2017a)，金融創新 台銀華銀擠前段班，工商時報，檢自: http://www.chinatimes.com/newspapers/20171026000118-260205
71.陳碧芬(2017b)，銀行拚Fintech API成主戰場，工商時報，檢自: http://www.chinatimes.com/newspapers/20171211000074-260205
72.陳慧菱(2018)，轉帳創新科技 台新銀首創手機號碼就是銀行帳號，鉅亨網，檢自: https://news.cnyes.com/news/id/4112266
73.陳瑩欣(2017)，鼓勵房貸舊戶增額貸　中信銀智慧鑑價2天核貸，蘋果日報，檢自:https://tw.appledaily.com/new/realtime/20170503/1110726/
74.陳瑩欣(2018)，行動銀行即時掌握外幣動態，蘋果日報，檢自: https://tw.appledaily.com/finance/daily/20180401/37975072
75.華南銀行(2018)，2017年年報。
76.黃惠聆(2017)，玉山銀創造數位理財新體驗，工商時報，檢自: http://www.chinatimes.com/newspapers/20170310000136-260205
77.黃琮淵(2017a)，信貸 王道銀行一指搞定，中國時報，檢自: http://www.chinatimes.com/newspapers/20170329000427-260110
78.黃琮淵(2017b)，數位帳戶戰 台新衝破10萬戶，中國時報，檢自: http://www.chinatimes.com/newspapers/20170711000404-260110
79.楊筱筠(2017a)，P2P掃碼轉帳 三銀行先行，經濟日報，檢自: https://money.udn.com/money/story/5613/2739893
80.楊筱筠(2017b)，玉山金總座專訪／玉山金搶當數位金融領導者，經濟日報，檢自: https://money.udn.com/money/story/5649/2493800
81.楊筱筠(2017c)，玉山銀掃碼支付 刷進四超商，經濟日報，檢自: https://money.udn.com/money/story/5613/2620223
82.楊筱筠(2017d)，玉山銀衝數位旗艦分行，經濟日報，檢自: https://udndata.com/ndapp/udntag/finance/Article?origid=8648611&ptname=%E5%88%86%E8%A1%8C
83.楊筱筠(2017e)，國銀攻行動支付 掀卡位戰，經濟日報，檢自: https://money.udn.com/money/story/5613/2866338
84.楊筱筠(2017f)，遠銀攻行動支付 建掃描大軍，經濟日報，檢自: https://money.udn.com/money/story/5613/2866338
85.楊筱筠(2018)，玉山銀發表區塊鏈成果，經濟日報，檢自:https://money.udn.com/money/story/5613/3131426
86.溫子豪(2017)，智能客服邦妮來幫你　小C、小Q線上回問題，卡優新聞網，檢自: http://www.cardu.com.tw/news/detail.php?nt_pk=7&ns_pk=32165
87.經濟部智財局專利二組二科(2017)，金融科技專利暨其相關核心技術專利發展趨勢研析專案報告。
88.葉瑞隆(2003)，從組織創新採用觀點探討金融服務業導入行動銀行之決策準則，國立高雄第一科技大學資訊管理系碩士論文。
89.葉憶如(2018a)，國泰世華玉山銀獵才 提供資訊替代役名額，經濟日報，檢自: https://money.udn.com/money/story/5613/3077361
90.葉憶如(2018b)，電子紅包戰 北富銀槓街口，經濟日報，檢自: https://money.udn.com/money/story/5613/2991702
91.葉憶如(2018c)，富邦區塊鏈應用再下一城！切入計程車搭乘，經濟日報，檢自:https://udn.com/news/story/7255/3153960#utm_source=Facebook_PicSee&utm_medium=Social
92.資誠(2018)，資誠2018台灣金融業企業領袖調查報告。
93.跨境電商服務網(2018)，越南支付市場概況及分析，檢自: https://www.globalec.tw/info2/view/news/3/264
94.廖君雅、洪綾襄(2017)，創新X讀心 深入客戶生活圈《財訊》創舉「FinTech創新應用獎」，財訊，第 540 期，170-173。
95.廖珮君(2017)，中信銀推視訊櫃台 可24小時開戶，蘋果日報，檢自:https://tw.finance.appledaily.com/daily/20170827/37761818/hotdailyart_right
96.廖珮君、王立德(2018)，手機發紅包有3大限制，蘋果日報，檢自: https://tw.appledaily.com/finance/daily/20180203/37923201
97.廖珮君、林巧雁(2017)，ATM變身VTM 銀行櫃員生存受衝擊，蘋果日報，檢自: https://tw.appledaily.com/finance/daily/20170724/37725208
98.遠東銀行(2018)，2017年年報。
99.蔡淑芬(2018)，台新銀行Richart AI投資將登場，工商時報，檢自: http://www.chinatimes.com/newspapers/20180417000489-260210?utm_source=Facebook%20%28PicSee%29&utm_medium=Social
100.鄭允文(2018)，2018《財訊》財富管理大獎公布！ 揭開投資贏家的財富密碼，財訊，第550期，120-124。
101.賴俊明(2018) 台新前進校園 找數位金融、國際型人才，經濟日報，檢自: https://money.udn.com/money/story/6722/3012468
102.賴寧寧(2018)，王道銀行女將酋長創新法 搶下手機開戶三成市佔，商業週刊，第1588期，72-73。
103.謝汶均(2018)，高盛砸重金 買理財App，經濟日報，檢自: https://money.udn.com/money/story/5599/3090469
104.韓化宇(2017a)，王道銀推手機視訊開戶，經濟日報，檢自: https://money.udn.com/money/story/5613/2746755
105.韓化宇(2017b)，富邦LINE官方帳號 三合一，經濟日報，檢自: https://money.udn.com/money/story/5613/2751907
106.韓化宇(2017c)，銀行線上開戶大爆發，經濟日報，檢自: https://money.udn.com/money/story/5613/2587260
107.顏俊仁、林彥廷、廖國智、李清祺(2018)，金融科技專利發展的概貌，智慧財產權月刊。
108.魏喬怡(2018a)，中信銀區塊鏈 首跨音樂文創，工商時報，檢自: http://www.chinatimes.com/newspapers/20180113000323-260205
109.魏喬怡(2018b)，銀行拚財管 掀AI機器人大戰，工商時報，檢自: http://www.chinatimes.com/newspapers/20180321000481-260208
110.魏喬怡、彭禎伶(2017)，機器人理財 5家業者搶灘，工商時報，檢自: http://www.chinatimes.com/newspapers/20170419000095-260205
111.羅鈺珊(2017)，分散式帳本與區塊鏈的應用現況與挑戰，經濟前瞻，第173期，79-84。
112.蘇珊•契斯蒂、亞諾•巴伯斯(2016)，Fintech金融科技聖經。台北:商業周刊。
113.MoneyDJ (2018)，區塊鏈科技可記錄房產交易，獲美國佛蒙特州採用，財經新報，檢自: https://finance.technews.tw/2018/01/31/south-burlington-blockchain-house/

二、英文文獻
1.Barba, Robert (2017), With new mobile banking apps, JPMorgan and Wells Fargo pursue millennials, Bankrate, from: https://www.bankrate.com/banking/jpmorgan-wells-fargo-banking-apps-finn-greenhouse/
2.CB Insights(2018), Where Top US Banks Are Betting On Fintech, from: https://www.cbinsights.com/research/fintech-investments-top-us-banks/
3.Damanpour, Fariborz (1991), “Organizational innovation: A meta-analysis of effects of determinants and moderators”, Academy of Management Journal, Vol. 34, 555-590.
4.Financial Post(2017), Goldman Sachs takes majority stake in alternative lender Financeit, from: http://business.financialpost.com/pmn/business-pmn/goldman-sachs-takes-majority-stake-in-alternative-lender-financeit
5.Forbes(2017), Goldman Sachs Continues Retail Banking Push With Higher Savings Rate Offer, from: https://www.forbes.com/sites/greatspeculations/2017/06/07/goldman-sachs-continues-retail-banking-push-with-higher-savings-rate-offer/#44bd4e7d3cfa
6.Harris, Ainsley (2018), Goldman Sachs Acquires Team Behind Credit Card Startup Final, Fastcompany, from: https://www.fastcompany.com/40523758/goldman-sachs-buys-credit-card-startup-final
7.Kalay, Faruk and Lynn, Gary S. (2016), “The impact of organizational structure on management innovation an empirical research in Turkey”, Journal of Business, Economics and Finance, Vol. 5, 125-137.
8.Lunden, Ingrid(2017), Chase closes WePay acquisition, a deal valued up to $400M, TechCrunch, from: https://techcrunch.com/2017/12/04/chase-closes-wepay-acquisition-a-deal-valued-up-to-400m/
9.Marlin, Dan (2014), “Industry Influences On Organizational Slack”, Journal of Business & Economics Research, Vol. 12, 23-28.
10.Morgan Stanley official website (2017), Morgan Stanley Wealth Management Introduces Send Money with Zelle® for Easy and Fast Payments, from: https://www.morganstanley.com/press-releases/morgan-stanley-wealth-management-introduces-send-money-with-zell
11.Nakaso, Hiroshi (2016), Fintech-Its impacts on Finance, Economics and Central Banking, Bank of Japan.
12.Nvidia Developer(2016), Citi Ventures Invests in Real-Time Fraud Prevention Startup, from: https://news.developer.nvidia.com/citi-ventures-invests-in-real-time-fraud-prevention-startup/
13.Relbanks(2018),World’s largest bank 2018,from: https://www.relbanks.com/worlds-top-banks/market-cap
14.Teece, David J. (1994), “ Firm Organization, industrial structure, and technological innovation”, Journal of Economic Behavior & Organization, Vol. 31, 193-224.
15.Terekhova, Maria (2017a), Bank of America Merrill Lynch has become the latest bank to implement AI, Business Insider, from: http://www.businessinsider.com/bank-of-america-merrill-lynch-latest-bank-implement-ai-2017-8
16.Terekhova, Maria (2017b), Wells Fargo lifts curtain on its robo-advisor, Business Insider, from: http://www.businessinsider.com/wells-fargo-lifts-curtain-on-its-robo-advisor-2017-11

三、參考網站
1.中華民國專利資訊檢索系統，http://twpat.tipo.gov.tw/#
2.公開資訊觀測站，http://mops.twse.com.tw/mops/web/t164sb04
3.國泰世華銀行，智能投資網頁，https://www.cathayrobo.com/welcome#trial
4.陸金所官網，https://www.lu.com/
5.富邦金控官網，https://www.fubon.com/financialholdings/citizenship/green/fintech.html
6.ACADIASOFT official website, http://www.acadiasoft.com/
7.AccessFintech official website, https://www.accessfintech.com/
8.ALTX official website, https://www.getaltx.com/
9.AXON official website, https://axoni.com/
10.AYASDI official website, https://www.ayasdi.com/
11.Bank of America official website, https://promo.bankofamerica.com/zelle/
12.Better Mortgage official website, https://better.com/
13.Betterment official website, https://www.betterment.com/
14.Bill.com official website, https://www.bill.com/
15.C2FO official website, https://c2fo.com/why-c2fo/our-solution
16.Cadre official website, https://cadre.com/about
17.Chase official website, https://www.chase.com/business-banking/online-banking/quickpay
18.Citi official website, https://www.citigroup.com/citi/news/2017/170907b.htm
19.Clarity money official website, https://claritymoney.com/
20.Cloud9 official website, https://c9tec.com/
21.Cobalt official website, http://www.cobaltdl.com/
22.compareAsia group official website, http://www.compareasiagroup.com/
23.DataFox official website, https://www.datafox.com/customers/investment-banking/
24.Dave official website, https://www.dave.com/
25.Digital Asset official website, http://www.digitalasset.com/
26.DROIT official website, http://droitfintech.com/
27.Fastpay official website , https://gofastpay.com/
28.Feedzai official website, https://feedzai.com/issuers/
29.Final, https://www.crunchbase.com/organization/final#section-overview
30.Financeit official website, https://www.financeit.io/ca/en/howitworks
31.Folio official website , https://folioapp.io/
32.HighRadius official website, https://www.highradius.com/
33.Honest Dollar website, https://www.crunchbase.com/organization/honest-dollar
34.Icapital network official website, http://www.icapitalnetwork.com/
35.InvestLab official website, https://investlab.com/
36.JUMIO official website, https://www.jumio.com/
37.Kensho official website, https://www.kensho.com/
38.Kinetica official website, https://www.kinetica.com/solutions/finance/
39.Linkable networks official website, http://finovate.com/linkable-networks-raises-8-million-for-card-linked-offers/
40.MCX website, https://www.crunchbase.com/organization/mcx-fintech
41.mDAQ official website, https://www.m-daq.com/
42.Mesa West Capital official website, https://mesawestcapital.com/
43.Momo website, https://www.crunchbase.com/organization/momo-vn
44.Mosaic Smart Data official website, http://mosaicsmartdata.com/
45.Motif official website, https://www.motifinvesting.com
46.Nanopay official website, https://nanopay.net/
47.Nav website, https://internationalfintech.com/Company/nav/
48.Neyber official website, https://www.neyber.co.uk/
49.OnDeck official website, https://www.ondeck.com/ondeck-core-principles
50.Openfin official website, https://openfin.co/
51.Persado official website, https://www.persado.com/
52.PLAID official website, https://plaid.com/
53.Prosper official website, https://www.prosper.com/
54.R3 official website, https://www.r3.com/
55.Richart official website, https://richart.tw/TSDIB_RichartWeb/static/home/Views/About/Microfinance.html
56.Roostify official website, https://www.roostify.com/product/
57.Selerity official website, http://www.seleritycorp.com/
58.SigFig official website, https://www.sigfig.com/
59.Square official website, https://squareup.com/
60.Symphony official website, https://symphony.com/
61.Tradeit official website, https://www.trade.it
62.Transactis official website, http://transactis.com/industries/financial-services/
63.Trussle official website, https://help.trussle.com/
64.Unbound Tech official website, https://www.unboundtech.com/
65.Visible alpha official website, https://visiblealpha.com/
66.Wepay official website, https://go.wepay.com/products
67.Zelle official website, https://www.zellepay.com/		zh_TW
dc.identifier.doi (DOI) 10.6814/THE.NCCU.MBA.020.2018.F08-