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題名 台灣開放銀行第三方業者發展分析–以麻布記帳為例
Analysis on the development of Taiwan open banking TSP - A case study on Moneybook Corp.,Ltd作者 許婷宣
Hsu, Ting-Hsuan貢獻者 宋皇志
Sung, Huang-Chih
許婷宣
Hsu, Ting-Hsuan關鍵詞 開放銀行
第三方業者
金融科技新創公司
隱私與個人資料保護
資訊安全
open banking
third party service provider
fintech start-up
privacy and personal information protection
information security日期 2020 上傳時間 1-Feb-2021 14:29:18 (UTC+8) 摘要 隨著開放銀行在全球金融界吹起的風潮，台灣也積極推展相關政策以乘上世界金融發展的浪頭。開放銀行旨在透過銀行資料的開放，讓消費者能拿回自主財務的掌控權，並打造一個銀行與金融科技業者間的合作框架。雖然多數研究皆認為銀行將在開放銀行下受到極大威脅，然而架構中的另一要角－第三方業者–實也須面對極嚴峻的挑戰。為瞭解第三方業者的情況，本研究採個案研究方法，透過訪問台灣第三方業者- 麻布記帳，分析個案在營運上面臨之內、外部因素，以探討台灣開放銀行之整體狀況。研究結果發現，個案不僅在內部需面對資訊安全之困難，同時需與多個外部對象互動，且受到整體環境法規及政策的高度影響。
“Open Banking” has become a buzzword in global financial market in recent years. Through opening up transaction record, the policy aims for customers to regain control of their finance, and establishes a cooperative framework between banks and Fintech companies. Although most studies believed that only bank is under threat, another significant party- “Third- Party Service Provider (TSP)”- is also facing great challenges. Through 2 interviews with Taiwanese TSP- Moneybook Corp., Ltd., this research employed case study methodology to analyze external and internal factors that affect case’s operation. 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國立政治大學
科技管理與智慧財產研究所
106364213資料來源 http://thesis.lib.nccu.edu.tw/record/#G0106364213 資料類型 thesis dc.contributor.advisor 宋皇志 zh_TW dc.contributor.advisor Sung, Huang-Chih en_US dc.contributor.author (Authors) 許婷宣 zh_TW dc.contributor.author (Authors) Hsu, Ting-Hsuan en_US dc.creator (作者) 許婷宣 zh_TW dc.creator (作者) Hsu, Ting-Hsuan en_US dc.date (日期) 2020 en_US dc.date.accessioned 1-Feb-2021 14:29:18 (UTC+8) - dc.date.available 1-Feb-2021 14:29:18 (UTC+8) - dc.date.issued (上傳時間) 1-Feb-2021 14:29:18 (UTC+8) - dc.identifier (Other Identifiers) G0106364213 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/133973 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 科技管理與智慧財產研究所 zh_TW dc.description (描述) 106364213 zh_TW dc.description.abstract (摘要) 隨著開放銀行在全球金融界吹起的風潮，台灣也積極推展相關政策以乘上世界金融發展的浪頭。開放銀行旨在透過銀行資料的開放，讓消費者能拿回自主財務的掌控權，並打造一個銀行與金融科技業者間的合作框架。雖然多數研究皆認為銀行將在開放銀行下受到極大威脅，然而架構中的另一要角－第三方業者–實也須面對極嚴峻的挑戰。為瞭解第三方業者的情況，本研究採個案研究方法，透過訪問台灣第三方業者- 麻布記帳，分析個案在營運上面臨之內、外部因素，以探討台灣開放銀行之整體狀況。研究結果發現，個案不僅在內部需面對資訊安全之困難，同時需與多個外部對象互動，且受到整體環境法規及政策的高度影響。 zh_TW dc.description.abstract (摘要) “Open Banking” has become a buzzword in global financial market in recent years. Through opening up transaction record, the policy aims for customers to regain control of their finance, and establishes a cooperative framework between banks and Fintech companies. Although most studies believed that only bank is under threat, another significant party- “Third- Party Service Provider (TSP)”- is also facing great challenges. Through 2 interviews with Taiwanese TSP- Moneybook Corp., Ltd., this research employed case study methodology to analyze external and internal factors that affect case’s operation. Research result showed that, the case was highly effected by several factors, including information security, interaction with various organizations, regulations and policy design. en_US dc.description.tableofcontents 第一章 緒論 1第一節 研究背景 2第二節 研究目的與研究問題 3第三節 研究限制 3第二章 文獻探討 4第一節 開放銀行 4第二節 隱私與個人資料保護 22第三節 資訊安全 25第四節 開放銀行下銀行與金融科技新創公司間的競合關係 30第三章 研究方法 43第一節 個案研究 43第二節 研究對象 44第三節 資料蒐集 45第四節 資料分析 45第四章 研究結果與討論 51第一節 麻布記帳目前營運現況 51第二節 影響第三方業者營運之因素 62第三節 研究結果討論 93第五章 結論與建議 99第一節 結論 99第二節 建議 102參考文獻 105附件一 訪問題綱 122附件二 訪問逐字稿 126第一次訪問 126第二次訪問 148 zh_TW dc.format.extent 5302950 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0106364213 en_US dc.subject (關鍵詞) 開放銀行 zh_TW dc.subject (關鍵詞) 第三方業者 zh_TW dc.subject (關鍵詞) 金融科技新創公司 zh_TW dc.subject (關鍵詞) 隱私與個人資料保護 zh_TW dc.subject (關鍵詞) 資訊安全 zh_TW dc.subject (關鍵詞) open banking en_US dc.subject (關鍵詞) third party service provider en_US dc.subject (關鍵詞) fintech start-up en_US dc.subject (關鍵詞) privacy and personal information protection en_US dc.subject (關鍵詞) information security en_US dc.title (題名) 台灣開放銀行第三方業者發展分析–以麻布記帳為例 zh_TW dc.title (題名) Analysis on the development of Taiwan open banking TSP - 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