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| Title | 投資Fintech之成本與效益個案研究-以銀行行動支付為標的 Cost-effective of investing Fintech case study- focus on mobile payment in bank |
| Creator | 黃奕昕 |
| Contributor | 王文英 黃奕昕 |
| Key Words | 金融科技 金融 銀行 行動支付 成本效益 科技 投資 策略 個案研究 Fintech Financial technology Finance Bank Banking Mobile payment Cost-effective Technology Investment Strategy Case study |
| Date | 2018 |
| Date Issued | 29-Aug-2018 15:47:28 (UTC+8) |
| Summary | 近年“Fintech”一詞旋起各界的關注，在商業領域有無限的想像空間，本個案研究以象徵傳統參與者的銀行作為研究對象，並著眼於行動支付這個相對成熟的領域，藉由成本與效益的觀點彙整結果並探討其投資新業務的脈絡，找出銀行投入的理由、投入的成本項目、為此所做的管理行動、產生的效益以及這當中面臨的主要經營問題。得出研究結論如下： 一、 發展行動支付的理由是為了成為先行者追逐擴張中的市場並在移轉中的市場中站穩腳步 二、 全方位的成本投入，最多的在基礎建設與行銷成本 三、 管理是投資後整合內、外部資源並創造價值給客戶的過程，當中最關鍵者為外部關係的建立 四、 僅看見非財務效益的產生，財務效益尚未明朗，最終回歸客戶價值 五、 最大的問題在於人 “Fintech” as a word draws the world’s attention. It creates an infinity imagination. This is a case study which takes Bank is the symbolic of incumbent participant as research subject and focus on mobile payment which is a relatively mature field of Fintech. We use cost-effective perspective to summarize the results and explore the context of investing a new business. Finding the reason of why banks put in this business, what costs to input, what are the derived management actions are, what benefits to generate from these actions and the main problem to face in this process. We find the conclusions as followings: 1. The reason to put in mobile payment is for being First-mover to chase the emerging market and sustain their market share in the transferring market. 2. There are comprehensive costs input. Infrastructure and marketing costs are the most. 3. Management is the process to integrate internal and external resources after investment. The key success factor is to build external relationship. 4. Financial benefits are not in evidence. Only non-financial benefit generated nowadays. Return to customer value. 5. “People” is the crucial problem. |
| 參考文獻 | 中文文獻 吳仁和，2015，資訊管理 企業創新與價值創造，台北：智勝文化。 李顯正，2018，金融科技概論，二版，台北：新陸書局。 林東清，2016，資訊管理 e化企業的核心競爭能力，台北：智勝文化。 陳若暉，2017，金融科技，桃園：社團法人全球群眾募資與金融科技服務協會。 陳鼎文，2015，決勝數位金融新時代，台北：財團法人金融研訓院。 張清福、王文英與李佳玲，2007，資訊科技投資與企業績效之因果關係模型探討：以台灣資訊電子業為實證對象，會計評論，第44期：p.1-26。 黃昌意，1994，資訊技術之效益評估與經營管理。台北：資訊與電腦雜誌社。 英文文獻 Arner, D. W., J. Barberis, and R. P. Buckley. 2015. The evolution of Fintech: A new post-crisis paradigm?. Georgetown Journal of International Law 47(4): 1345-1393. Bharadwaj, A. S. 2000. A resource-based perspective on information technology capability and firm performance: An empirical investigation. MIS Quarterly 24(1): 169-196. Chircu, A. M., and R. J. Kauffman. 2000. Limits to value in electronic commerce-related IT investments. Journal of Management Information System 17(2): 59-80. Chishti, S. J Barberis. 2016. The Fintech Book: The Financial Technology Handbook for Investors, Entrepreneurs and Visionaries. NYSE: JWA. David, J. S., D. Schuff, and R. S. Louise. 2002. Internet abuse in the workplace and Game engines in scientific research. Communications of the ACM 45(1): 101-106. Hung, J. L., and B. Luo. 2016. FinTech in Taiwan: A case study of a bank’s strategic planning for an investment in a Fintech company. Financial Innovation 2(1): 1-16. Kim, Y., Y. J. Park, J. Choi, and J. Yeon. 2016. The adoption of mobile payment services for “Fintech”. International Journal of Applied Engineering Research 11(2): 1058-1061. King, B. 2012, Bank 3.0: Why Banking is No Longer Somewhere You Go but Something You Do. NYSE: JWA. Laudon, K., and J. Laoudon. 2010. Management Information Systems: International. 11st ed. LSE: Pearson Higher Education. Mallat, N., and V. K. Tuunainen. 2008. Exploring merchant adoption of mobile payment systems: An empirical study. E-Service Journal 6(2): 24-57. Micu, I., and A. Micu. 2016. Financial technology (Fintech) and its implementation on the Romanian non-banking capital market. SEA-Practical Application of Science 4(2): 379-384. McFarlan, F. W., J. L. McKenney, and P. Pyburn. 1983. The information archipelago- plotting a course. Harvard Business Review 61(1): 145-156. Remenyi, D., A. Money, M. Sherwood-Smith, and Z. Irani. 2000. The Effective Measurement and Management of IT Costs and Benefits. MA: Butterworth- Heinemann. Schueffel, P. 2016. Taming the beast: A scientific definition of Fintech. Journal of Innovation Management 4(4): 32-54. Yin, R. K. 1994. Case Study Research: Design and Methods. 2nd ed. Newbury Park, CA: Sage Publications. 網路資料 資誠，2017，2017年全球金融科技調查台灣概要。2018年6月29日，取自：https://www.pwc.tw/zh/publications/assets/2017-fintech-taiwan-report.pdf Stock-ai，2018，台灣連鎖實質民間消費支出。2018年6月29日，取自：https://stock-ai.com/eom-1-twPCETCL.php 中央銀行，2017，台灣電子支付之發展。2018年6月29日，取自：https://www.cbc.gov.tw/public/Attachment/75313384371.pdf 行政院新聞與公告，賴揆：2025年達到行動支付普及率90%目標。2018年6月29日，取自：https://www.ey.gov.tw/Page/9277F759E41CCD91/580cf614-ad1b-4e7e-899e-06870d0fb436 金融監督管理委員會，金融科技發展策略白皮書。2018年6月29日，取自：https://www.fsc.gov.tw/uploaddowndoc?file=chdownload/201605181656050.pdf&filedisplay=1050518金融科技發展策略白皮書.pdf&flag=doc 財金資訊股份有限公司網站，卡片支付流程。2018年6月29日，取自：https://www.fisc.com.tw/tc/business/Detail.aspx?caid=08b6275d-19f1-495c-8fd6-749e558e4383 國家發展委員會網站，推動行動支付普及。2018年6月29日，取自：https://www.ndc.gov.tw/Content_List.aspx?n=0338D970952E63EE 勤業眾信，2016，2016全球製造業競爭力指標報告2018年6月29日，取自：https://www2.deloitte.com/tw/tc/pages/manufacturing/articles/global-manufacturing-competitiveness-index.html 行政院主計總處綜合統計處國民所得科，2012，以連鎖法衡量經濟成長率2018年6月29日，取自：https://www.stat.gov.tw/public/Attachment/412291641585LG6LH5T.pdf Accenture. 2015. The Future of Fintech and Banking: Digitally Disrupting or remained? Retrieved December 13, 2017, from the World Wide Web: https://www.accenture.com/t20150707T195228Z__w__/us-en/_acnmedia/Accenture/Conversion-Assets/DotCom/Documents/Global/PDF/Dualpub_11/Accenture-Future-Fintech-Banking.pdf#zoom=50 Deloitte. 2018. Banking outlook accelerating the transformation. Retrieved June 29, 2018, from the World Wide Web: https://www2.deloitte.com/content/dam/Deloitte/global/Documents/Financial-Services/gx-fsi-dcfs-2018-banking-outlook.pdf Ernst & Young . 2017. EY FinTech adoption index: the rapid emergence of fintech. Retrieved June 29, 2018, from the World Wide Web: https://www.ey.com/Publication/vwLUAssets/ey-fintech-adoption-index-2017/%24FILE/ey-fintech-adoption-index-2017.pdf KPMG. 2017a. The pulse of Fintech Q4 2016- Global analysis of investment in fintech. Retrieved December 13, 2017, from the World Wide Web: https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2017/02/pulse-of-fintech-q4-2016.pdf KPMG. 2017b. Fintech100- Leading global fintech innovators. Retrieved December 13, 2017, from the World Wide Web: https://home.kpmg.com/tw/zh/home/insights/2017/11/ventures-kpmg-fintech100-fs.html Segue Technologies. Waterfall vs. Agile: Which is the Right Development Methodology for Your Project? . Retrieved December 13, 2017, from the World Wide Web: https://www.seguetech.com/waterfall-vs-agile-methodology/ Venture Scanner. 2016. Financial technology startup landscape trends and insights, Q4. Retrieved December 13, 2017, from the World Wide Web: https://www.venturescanner.com/blog/2016/financial-technology-startup-landscape-trends-and-insights-q4-2016 |
| Description | 碩士 國立政治大學 會計學系 1053530281 |
| 資料來源 | http://thesis.lib.nccu.edu.tw/record/#G1053530281 |
| Type | thesis |
| dc.contributor.advisor | 王文英 | zh_TW |
| dc.contributor.author (Authors) | 黃奕昕 | zh_TW |
| dc.creator (作者) | 黃奕昕 | zh_TW |
| dc.date (日期) | 2018 | en_US |
| dc.date.accessioned | 29-Aug-2018 15:47:28 (UTC+8) | - |
| dc.date.available | 29-Aug-2018 15:47:28 (UTC+8) | - |
| dc.date.issued (上傳時間) | 29-Aug-2018 15:47:28 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G1053530281 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/119715 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 會計學系 | zh_TW |
| dc.description (描述) | 1053530281 | zh_TW |
| dc.description.abstract (摘要) | 近年“Fintech”一詞旋起各界的關注，在商業領域有無限的想像空間，本個案研究以象徵傳統參與者的銀行作為研究對象，並著眼於行動支付這個相對成熟的領域，藉由成本與效益的觀點彙整結果並探討其投資新業務的脈絡，找出銀行投入的理由、投入的成本項目、為此所做的管理行動、產生的效益以及這當中面臨的主要經營問題。得出研究結論如下： 一、 發展行動支付的理由是為了成為先行者追逐擴張中的市場並在移轉中的市場中站穩腳步 二、 全方位的成本投入，最多的在基礎建設與行銷成本 三、 管理是投資後整合內、外部資源並創造價值給客戶的過程，當中最關鍵者為外部關係的建立 四、 僅看見非財務效益的產生，財務效益尚未明朗，最終回歸客戶價值 五、 最大的問題在於人 | zh_TW |
| dc.description.abstract (摘要) | “Fintech” as a word draws the world’s attention. It creates an infinity imagination. This is a case study which takes Bank is the symbolic of incumbent participant as research subject and focus on mobile payment which is a relatively mature field of Fintech. We use cost-effective perspective to summarize the results and explore the context of investing a new business. Finding the reason of why banks put in this business, what costs to input, what are the derived management actions are, what benefits to generate from these actions and the main problem to face in this process. We find the conclusions as followings: 1. The reason to put in mobile payment is for being First-mover to chase the emerging market and sustain their market share in the transferring market. 2. There are comprehensive costs input. Infrastructure and marketing costs are the most. 3. Management is the process to integrate internal and external resources after investment. The key success factor is to build external relationship. 4. Financial benefits are not in evidence. Only non-financial benefit generated nowadays. Return to customer value. 5. “People” is the crucial problem. | en_US |
| dc.description.tableofcontents | 圖目錄 ii 表目錄 iii 第一章 緒論 1 第一節 研究動機與背景 1 第二節 研究目的與研究問題 3 第三節 論文架構與研究流程 4 第二章 文獻探討 6 第一節 Fintech定義與分類 6 第二節 投入Fintech之成本與效益相關文獻 9 第三節 行動支付相關文獻 39 第三章 研究設計 46 第一節 觀念性架構 46 第二節 研究方法 47 第三節 研究對象 47 第四節 資料蒐集方法 48 第四章 個案分析 49 第一節 行動支付商業環境 49 第二節 個案公司介紹 55 第三節 投入行動支付業務的理由 58 第四節 發展行動支付業務的方式 59 第五節 管理過程中遇到的主要問題與因應 70 第六節 小結 72 第五章 結論與建議 75 第一節 研究結論 75 第二節 研究建議 77 第三節 研究貢獻 78 第四節 研究限制 78 參考文獻 79 | zh_TW |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G1053530281 | en_US |
| dc.subject (關鍵詞) | 金融科技 | zh_TW |
| dc.subject (關鍵詞) | 金融 | zh_TW |
| dc.subject (關鍵詞) | 銀行 | zh_TW |
| dc.subject (關鍵詞) | 行動支付 | zh_TW |
| dc.subject (關鍵詞) | 成本效益 | zh_TW |
| dc.subject (關鍵詞) | 科技 | zh_TW |
| dc.subject (關鍵詞) | 投資 | zh_TW |
| dc.subject (關鍵詞) | 策略 | zh_TW |
| dc.subject (關鍵詞) | 個案研究 | zh_TW |
| dc.subject (關鍵詞) | Fintech | en_US |
| dc.subject (關鍵詞) | Financial technology | en_US |
| dc.subject (關鍵詞) | Finance | en_US |
| dc.subject (關鍵詞) | Bank | en_US |
| dc.subject (關鍵詞) | Banking | en_US |
| dc.subject (關鍵詞) | Mobile payment | en_US |
| dc.subject (關鍵詞) | Cost-effective | en_US |
| dc.subject (關鍵詞) | Technology | en_US |
| dc.subject (關鍵詞) | Investment | en_US |
| dc.subject (關鍵詞) | Strategy | en_US |
| dc.subject (關鍵詞) | Case study | en_US |
| dc.title (題名) | 投資Fintech之成本與效益個案研究-以銀行行動支付為標的 | zh_TW |
| dc.title (題名) | Cost-effective of investing Fintech case study- focus on mobile payment in bank | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | 中文文獻 吳仁和，2015，資訊管理 企業創新與價值創造，台北：智勝文化。 李顯正，2018，金融科技概論，二版，台北：新陸書局。 林東清，2016，資訊管理 e化企業的核心競爭能力，台北：智勝文化。 陳若暉，2017，金融科技，桃園：社團法人全球群眾募資與金融科技服務協會。 陳鼎文，2015，決勝數位金融新時代，台北：財團法人金融研訓院。 張清福、王文英與李佳玲，2007，資訊科技投資與企業績效之因果關係模型探討：以台灣資訊電子業為實證對象，會計評論，第44期：p.1-26。 黃昌意，1994，資訊技術之效益評估與經營管理。台北：資訊與電腦雜誌社。 英文文獻 Arner, D. W., J. Barberis, and R. P. Buckley. 2015. The evolution of Fintech: A new post-crisis paradigm?. Georgetown Journal of International Law 47(4): 1345-1393. Bharadwaj, A. S. 2000. A resource-based perspective on information technology capability and firm performance: An empirical investigation. MIS Quarterly 24(1): 169-196. Chircu, A. M., and R. J. Kauffman. 2000. Limits to value in electronic commerce-related IT investments. Journal of Management Information System 17(2): 59-80. Chishti, S. J Barberis. 2016. The Fintech Book: The Financial Technology Handbook for Investors, Entrepreneurs and Visionaries. NYSE: JWA. David, J. S., D. Schuff, and R. S. Louise. 2002. Internet abuse in the workplace and Game engines in scientific research. Communications of the ACM 45(1): 101-106. Hung, J. L., and B. Luo. 2016. FinTech in Taiwan: A case study of a bank’s strategic planning for an investment in a Fintech company. Financial Innovation 2(1): 1-16. Kim, Y., Y. J. Park, J. Choi, and J. Yeon. 2016. The adoption of mobile payment services for “Fintech”. International Journal of Applied Engineering Research 11(2): 1058-1061. King, B. 2012, Bank 3.0: Why Banking is No Longer Somewhere You Go but Something You Do. NYSE: JWA. Laudon, K., and J. Laoudon. 2010. Management Information Systems: International. 11st ed. LSE: Pearson Higher Education. Mallat, N., and V. K. Tuunainen. 2008. Exploring merchant adoption of mobile payment systems: An empirical study. E-Service Journal 6(2): 24-57. Micu, I., and A. Micu. 2016. Financial technology (Fintech) and its implementation on the Romanian non-banking capital market. SEA-Practical Application of Science 4(2): 379-384. McFarlan, F. W., J. L. McKenney, and P. Pyburn. 1983. The information archipelago- plotting a course. Harvard Business Review 61(1): 145-156. Remenyi, D., A. Money, M. Sherwood-Smith, and Z. Irani. 2000. The Effective Measurement and Management of IT Costs and Benefits. MA: Butterworth- Heinemann. Schueffel, P. 2016. Taming the beast: A scientific definition of Fintech. Journal of Innovation Management 4(4): 32-54. Yin, R. K. 1994. Case Study Research: Design and Methods. 2nd ed. Newbury Park, CA: Sage Publications. 網路資料 資誠，2017，2017年全球金融科技調查台灣概要。2018年6月29日，取自：https://www.pwc.tw/zh/publications/assets/2017-fintech-taiwan-report.pdf Stock-ai，2018，台灣連鎖實質民間消費支出。2018年6月29日，取自：https://stock-ai.com/eom-1-twPCETCL.php 中央銀行，2017，台灣電子支付之發展。2018年6月29日，取自：https://www.cbc.gov.tw/public/Attachment/75313384371.pdf 行政院新聞與公告，賴揆：2025年達到行動支付普及率90%目標。2018年6月29日，取自：https://www.ey.gov.tw/Page/9277F759E41CCD91/580cf614-ad1b-4e7e-899e-06870d0fb436 金融監督管理委員會，金融科技發展策略白皮書。2018年6月29日，取自：https://www.fsc.gov.tw/uploaddowndoc?file=chdownload/201605181656050.pdf&filedisplay=1050518金融科技發展策略白皮書.pdf&flag=doc 財金資訊股份有限公司網站，卡片支付流程。2018年6月29日，取自：https://www.fisc.com.tw/tc/business/Detail.aspx?caid=08b6275d-19f1-495c-8fd6-749e558e4383 國家發展委員會網站，推動行動支付普及。2018年6月29日，取自：https://www.ndc.gov.tw/Content_List.aspx?n=0338D970952E63EE 勤業眾信，2016，2016全球製造業競爭力指標報告2018年6月29日，取自：https://www2.deloitte.com/tw/tc/pages/manufacturing/articles/global-manufacturing-competitiveness-index.html 行政院主計總處綜合統計處國民所得科，2012，以連鎖法衡量經濟成長率2018年6月29日，取自：https://www.stat.gov.tw/public/Attachment/412291641585LG6LH5T.pdf Accenture. 2015. The Future of Fintech and Banking: Digitally Disrupting or remained? Retrieved December 13, 2017, from the World Wide Web: https://www.accenture.com/t20150707T195228Z__w__/us-en/_acnmedia/Accenture/Conversion-Assets/DotCom/Documents/Global/PDF/Dualpub_11/Accenture-Future-Fintech-Banking.pdf#zoom=50 Deloitte. 2018. Banking outlook accelerating the transformation. Retrieved June 29, 2018, from the World Wide Web: https://www2.deloitte.com/content/dam/Deloitte/global/Documents/Financial-Services/gx-fsi-dcfs-2018-banking-outlook.pdf Ernst & Young . 2017. EY FinTech adoption index: the rapid emergence of fintech. Retrieved June 29, 2018, from the World Wide Web: https://www.ey.com/Publication/vwLUAssets/ey-fintech-adoption-index-2017/%24FILE/ey-fintech-adoption-index-2017.pdf KPMG. 2017a. The pulse of Fintech Q4 2016- Global analysis of investment in fintech. Retrieved December 13, 2017, from the World Wide Web: https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2017/02/pulse-of-fintech-q4-2016.pdf KPMG. 2017b. Fintech100- Leading global fintech innovators. Retrieved December 13, 2017, from the World Wide Web: https://home.kpmg.com/tw/zh/home/insights/2017/11/ventures-kpmg-fintech100-fs.html Segue Technologies. Waterfall vs. Agile: Which is the Right Development Methodology for Your Project? . Retrieved December 13, 2017, from the World Wide Web: https://www.seguetech.com/waterfall-vs-agile-methodology/ Venture Scanner. 2016. Financial technology startup landscape trends and insights, Q4. Retrieved December 13, 2017, from the World Wide Web: https://www.venturescanner.com/blog/2016/financial-technology-startup-landscape-trends-and-insights-q4-2016 | zh_TW |
| dc.identifier.doi (DOI) | 10.6814/THE.NCCU.ACCT.040.2018.F07 | - |