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題名 純網銀在台灣發展策略研析-參考鄰近國家之經驗
The Development Strategies of Internet-only Banks in Taiwan – Case Studies on Neighboring Countries’ Experiences作者 李權祐
Lee, Chuan-You貢獻者 郭維裕
Kuo, George
李權祐
Lee, Chuan-You關鍵詞 純網銀
生態系統
金融科技
數位存款帳戶
開放銀行
Internet-only Bank
Ecosystem
Fintech
Digital Deposit Account
Open Banking日期 2021 上傳時間 4-Aug-2021 15:05:06 (UTC+8) 摘要 Since the first internet-only bank appeared in the US more than 20 years ago, internet-only banks in Asia and in Western countries have gradually developed different business models. During the last decade, internet-only banks in Asia have been applying such a development model -- using Fintech to embed banking service into their parent companies’ ecosystem. This study attempts to analyze whether or not such an ecosystem strategy is applicable in Taiwan.This study categorizes the three internet-only banks in Taiwan into the E-commerce category, the messaging apps category, and the telecommunications category. For each category, two representative cases are identified and studied. The case studies show some applicable strategies implemented by counterparties in neighboring countries, and the three internet-only banks in Taiwan will have to determine optimal sets of strategies that fit into their own ecosystem.By studying cases in neighboring countries, several key success factors for online banking businesses can also be defined: (1) the ability to raise capital, (2) technological competency, and (3) resource integration capability. 參考文獻 中央銀行(2018)。純網路銀行之發展與相關議題。央行理監事會後記者會參考資料6月李佩蓉（2018）。純網路銀行發展之比較研究-以台灣、韓國、中國為例。國立中山大學金融創新產業碩士專班碩士論文，高雄市。取自https://hdl.handle.net/11296/88xvxs李沃牆(2019)。國外純網銀成立及經營模式案例。今日合庫108.09. pp 4-16林芬蘭(2019)。純網路銀行發展暨其對金融體系之影響。財團法人俞國華文教基金會獎助出國專題研究報告書林彥均（2020）。以信任轉移及現狀偏誤探討純網銀使用意圖─以LINE Bank為例。國立中山大學資訊管理學系研究所碩士論文，高雄市。取自https://hdl.handle.net/11296/c295qp林彥均（2020）。以信任轉移及現狀偏誤探討純網銀使用意圖─以LINE Bank為例。國立中山大學資訊管理學系研究所碩士論文，高雄市。取自https://hdl.handle.net/11296/c295qp林甄珮‧顏佳瑩 (2019)。我國開放純網路銀行之政策與推動。政府審計季刊，第40卷《第1期》：27-37金融監督管理委員會(2018) 。赴日韓考察純網路銀行發展現況報告摘要張嘉伶、劉書甯、趙有德、簡明仁、李吉林、陳雅莉、廖世偉、莫睿、蔡佩蓉(2019)。純網銀進場迎金融新局！台灣銀行家NO.117 , pp.16-67陳世雄(2020)。純網路銀行V.S.數位銀行。KPMG 2020台灣銀行業報告, pp.16-22國立政治大學國際產學聯盟。開放銀行服務手冊，下載於2021.2.22，取自http://www.ftrc.nccu.edu.tw/wordpresseng/?page_id=8723黃思綺 (2018) 。開放純網路銀行設立之可行性研究。金融研究發展基金管理委員會，金融研究報告編號：107-03黃虹傑（2019）。台灣純網銀策略探討-以LINE Bank為例。國立臺灣大學商學研究所碩士論文，台北市。取自https://hdl.handle.net/11296/nkgs3g資策會產業情報研究所. (2020). 【2020上半年行動支付大調查】行動支付首選偏好度已首度超越實體卡. Retrieved February 10, 2021, from https://mic.iii.org.tw/news.aspx?id=572&List=5詹宛霓（2019）。純網路銀行經營策略研究-以將來銀行為例。國立臺灣大學企業管理碩士專班碩士論文，台北市。取自https://hdl.handle.net/11296/u8g3vr劉曉薇(2019)。純網路銀行對銀行業影響研析。彰銀季刊，68卷6期：1-19。蔡靚萱、陳慶徽 (2021)。傲慢的代價深入追蹤陣容最豪華的網銀國家隊，將來銀行崩壞啟示錄。商業週刊1744期.pp 64-73。賴威仁 (2020)。純網銀加入後傳統銀行業之轉型與因應方向探討。金融研訓院，2020金融趨勢關鍵議題。盧志敏(2001)。網路銀行的發展與影響。中央銀行季刊，第二十三卷第一期Anna J. Park (2021). K bank overtakes Kakao Bank after partnering with crypto exchange Upbit. The KoreaTimes. Retrieved April 10, 2021, from :http://www.koreatimes.co.kr/www/biz/2021/03/126_305772.htmlBahl, S. (2012). E-Banking : Challenges & policy implications. International Journal of Computing & Business Research.Central Bank (2018)。「純網路銀行之發展與相關議題」。央行理監事會後記者會參考資料，6月。Dandapani, K., Lassar, A., &Sharon, S. L. (2005). Virtual banking: Impetus and impediments. The International Journal of Finance, 17(2), 3512–3524.DeYoung, R., (2005). ‘The performance of internet-based business models: evidence from the banking Industry’, The Journal of Business, Vol. 78(3), pp. 893–948.Financial Supervisory Commission. (2018). The development of domestic banks’ digital deposit account businesses. Retrieved February 16, 2021, from: https://www.fsc.gov.tw/en/home.jsp?id=74&parentpath=0&mcustomize=multimessage_view.jsp&dataserno=201811080003&aplistdn=ou=bulletin,ou=multisite,ou=english,ou=ap_root,o=fsc,c=tw&dtable=BulletinFinancial Supervisory Commission. (2019). Granting of Internet-only Bank Approval. Retrieved February5, 2021, from: https://www.fsc.gov.tw/en/home.jsp?id=54&parentpath=0,2&mcustomize=multimessage_view.jsp&aplistdn=ou=news,ou=multisite,ou=english,ou=ap_root,o=fsc,c=tw&dataserno=201908160001&dtable=NewsFarhoomand, A. F., & Mak, V. (2002). Japan Net Bank: Japan’s First Internet-Only Bank–A Teaching Case. In Proceeding–15th Bled Electronic Commerce Conference (pp. 672-692).Ga-young Park (2017). Kakaobank gets final approval. The Korea Harold. Retrieved April 2, 2021, from: http://www.theinvestor.co.kr/view.php?ud=20170405000952Ga-young Park (2021). Kakao Bank to target loan market for low credit borrowers. The Korea Harold. Retrieved April 2, 2021, from:http://www.koreaherald.com/view.php?ud=20210202000876Javier Delgado, Ignacio Hernando and Mar´ıa J. Nieto (2007). Do European Primarily Internet Banks Show Scale and Experience Efficiencies?, European Financial Management, Vol. 13, No. 4, 2007, 643–671.Jerome Buvat, Subrahmanyam KVJ, (2014). Doing Business The Digital Way: How Capital One Fundamentally Disrupted the Financial Services Industry, Capgemini ConsultingJemmy S Huang, (2020). Bank 3.0 in Taiwan - Part 3: Here come the internet-only banks. J.P. Morgan, Asia Pacific Equity Research, 03 August 2020Korea Financial Services Commission (2020). FSC Approves BC Card and Woori Bank`s Holding of 34% and 19.9% Each in K Bank. FSC Press Release.Mukherjee, A. and Nath, P. (2007). "Role of electronic trust in online retailing: A re‐examination of the commitment‐trust theory", European Journal of Marketing, Vol. 41 No. 9/10, pp. 1173-1202. https://doi.org/10.1108/03090560710773390Philip Bruno, Olivier Denecker, Marc Niederkorn (2020). The accelerating winds of change in global payments. The 2020 McKinsey Global Payments Report.Ron Shevlin, (2020).How Chime Is Dominating Digital Banking (And All Of Banking). Forbes. Retrieved February5, 2021, from: https://www.forbes.com/sites/ronshevlin/2020/11/16/how-14-billion-chime-is-dominating-digital-banking-and-all-of-banking/Ron Shevlin, (2020). The Online Bank Insurgency Of 2020 . Forbes. Retrieved February5, 2021, from: https://www.forbes.com/sites/ronshevlin/2020/07/20/the-online-bank-insurgency-of-2020/?sh=aaf3084371fbThe Economist (2018). Japanese e-commerce giant Rakuten struggles to retake the lead from Amazon. Retrieved March 14, 2021, from: https://www.economist.com/business/2018/04/14/japanese-e-commerce-giant-rakuten-struggles-to-retake-the-lead-from-amazonVISA(2020). THE FUTUREOF COMMERCE: Consumer Payment Attitudes Study 2020. Retrieved March2, 2021, from: https://www.visa.com.hk/en_HK/partner-with-us/market-insights/consumer-payment-study.htmlYoujin Choi. (2020). Digital Banks: Lessons from Korea. World Bank Group Korea Office Innovation and Technology Note Series. Note Series Number 2. 描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
108933002資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108933002 資料類型 thesis dc.contributor.advisor 郭維裕 zh_TW dc.contributor.advisor Kuo, George en_US dc.contributor.author (Authors) 李權祐 zh_TW dc.contributor.author (Authors) Lee, Chuan-You en_US dc.creator (作者) 李權祐 zh_TW dc.creator (作者) Lee, Chuan-You en_US dc.date (日期) 2021 en_US dc.date.accessioned 4-Aug-2021 15:05:06 (UTC+8) - dc.date.available 4-Aug-2021 15:05:06 (UTC+8) - dc.date.issued (上傳時間) 4-Aug-2021 15:05:06 (UTC+8) - dc.identifier (Other Identifiers) G0108933002 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136427 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 國際經營管理英語碩士學位學程(IMBA) zh_TW dc.description (描述) 108933002 zh_TW dc.description.abstract (摘要) Since the first internet-only bank appeared in the US more than 20 years ago, internet-only banks in Asia and in Western countries have gradually developed different business models. During the last decade, internet-only banks in Asia have been applying such a development model -- using Fintech to embed banking service into their parent companies’ ecosystem. This study attempts to analyze whether or not such an ecosystem strategy is applicable in Taiwan.This study categorizes the three internet-only banks in Taiwan into the E-commerce category, the messaging apps category, and the telecommunications category. For each category, two representative cases are identified and studied. The case studies show some applicable strategies implemented by counterparties in neighboring countries, and the three internet-only banks in Taiwan will have to determine optimal sets of strategies that fit into their own ecosystem.By studying cases in neighboring countries, several key success factors for online banking businesses can also be defined: (1) the ability to raise capital, (2) technological competency, and (3) resource integration capability. en_US dc.description.tableofcontents TABLE OF CONTENTS1. Introduction 11.1. Research Background and Purpose 11.2. Research Method 21.3. Research Structure 32. Literature Review 42.1. Definition of Internet-only Banks 42.2. Development History 52.3. Comparing with Traditional Banks 112.4. Summary 133. Opportunities and Challenges in Taiwan 153.1. Digital Trends in the Banking Sector 153.2. Banking Sector Intensity 304. Strategy Analysis by Case Studies 374.1. Identifying Representative Cases 374.2. Rakuten International Commercial Bank – the E-Commerce Category 394.3. LINE Bank – the Messaging (Messenger) Apps Category 454.4. NEXT Commercial Bank – the Telecommunications Category 505. Conclusion 575.1. The E-Commerce Category: Rakuten International Commercial Bank 585.2. The Messaging (Messenger) Apps Category: LINE Bank Taiwan 595.3. The Telecommunications Category: NEXT Commercial Bank 595.4. Key Success Factors 606. Reference 63 zh_TW dc.format.extent 1557412 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108933002 en_US dc.subject (關鍵詞) 純網銀 zh_TW dc.subject (關鍵詞) 生態系統 zh_TW dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 數位存款帳戶 zh_TW dc.subject (關鍵詞) 開放銀行 zh_TW dc.subject (關鍵詞) Internet-only Bank en_US dc.subject (關鍵詞) Ecosystem en_US dc.subject (關鍵詞) Fintech en_US dc.subject (關鍵詞) Digital Deposit Account en_US dc.subject (關鍵詞) Open Banking en_US dc.title (題名) 純網銀在台灣發展策略研析-參考鄰近國家之經驗 zh_TW dc.title (題名) The Development Strategies of Internet-only Banks in Taiwan – Case Studies on Neighboring Countries’ Experiences en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 中央銀行(2018)。純網路銀行之發展與相關議題。央行理監事會後記者會參考資料6月李佩蓉（2018）。純網路銀行發展之比較研究-以台灣、韓國、中國為例。國立中山大學金融創新產業碩士專班碩士論文，高雄市。取自https://hdl.handle.net/11296/88xvxs李沃牆(2019)。國外純網銀成立及經營模式案例。今日合庫108.09. pp 4-16林芬蘭(2019)。純網路銀行發展暨其對金融體系之影響。財團法人俞國華文教基金會獎助出國專題研究報告書林彥均（2020）。以信任轉移及現狀偏誤探討純網銀使用意圖─以LINE Bank為例。國立中山大學資訊管理學系研究所碩士論文，高雄市。取自https://hdl.handle.net/11296/c295qp林彥均（2020）。以信任轉移及現狀偏誤探討純網銀使用意圖─以LINE Bank為例。國立中山大學資訊管理學系研究所碩士論文，高雄市。取自https://hdl.handle.net/11296/c295qp林甄珮‧顏佳瑩 (2019)。我國開放純網路銀行之政策與推動。政府審計季刊，第40卷《第1期》：27-37金融監督管理委員會(2018) 。赴日韓考察純網路銀行發展現況報告摘要張嘉伶、劉書甯、趙有德、簡明仁、李吉林、陳雅莉、廖世偉、莫睿、蔡佩蓉(2019)。純網銀進場迎金融新局！台灣銀行家NO.117 , pp.16-67陳世雄(2020)。純網路銀行V.S.數位銀行。KPMG 2020台灣銀行業報告, pp.16-22國立政治大學國際產學聯盟。開放銀行服務手冊，下載於2021.2.22，取自http://www.ftrc.nccu.edu.tw/wordpresseng/?page_id=8723黃思綺 (2018) 。開放純網路銀行設立之可行性研究。金融研究發展基金管理委員會，金融研究報告編號：107-03黃虹傑（2019）。台灣純網銀策略探討-以LINE Bank為例。國立臺灣大學商學研究所碩士論文，台北市。取自https://hdl.handle.net/11296/nkgs3g資策會產業情報研究所. (2020). 【2020上半年行動支付大調查】行動支付首選偏好度已首度超越實體卡. Retrieved February 10, 2021, from https://mic.iii.org.tw/news.aspx?id=572&List=5詹宛霓（2019）。純網路銀行經營策略研究-以將來銀行為例。國立臺灣大學企業管理碩士專班碩士論文，台北市。取自https://hdl.handle.net/11296/u8g3vr劉曉薇(2019)。純網路銀行對銀行業影響研析。彰銀季刊，68卷6期：1-19。蔡靚萱、陳慶徽 (2021)。傲慢的代價深入追蹤陣容最豪華的網銀國家隊，將來銀行崩壞啟示錄。商業週刊1744期.pp 64-73。賴威仁 (2020)。純網銀加入後傳統銀行業之轉型與因應方向探討。金融研訓院，2020金融趨勢關鍵議題。盧志敏(2001)。網路銀行的發展與影響。中央銀行季刊，第二十三卷第一期Anna J. Park (2021). K bank overtakes Kakao Bank after partnering with crypto exchange Upbit. The KoreaTimes. Retrieved April 10, 2021, from :http://www.koreatimes.co.kr/www/biz/2021/03/126_305772.htmlBahl, S. (2012). E-Banking : Challenges & policy implications. International Journal of Computing & Business Research.Central Bank (2018)。「純網路銀行之發展與相關議題」。央行理監事會後記者會參考資料，6月。Dandapani, K., Lassar, A., &Sharon, S. L. (2005). Virtual banking: Impetus and impediments. The International Journal of Finance, 17(2), 3512–3524.DeYoung, R., (2005). ‘The performance of internet-based business models: evidence from the banking Industry’, The Journal of Business, Vol. 78(3), pp. 893–948.Financial Supervisory Commission. (2018). The development of domestic banks’ digital deposit account businesses. Retrieved February 16, 2021, from: https://www.fsc.gov.tw/en/home.jsp?id=74&parentpath=0&mcustomize=multimessage_view.jsp&dataserno=201811080003&aplistdn=ou=bulletin,ou=multisite,ou=english,ou=ap_root,o=fsc,c=tw&dtable=BulletinFinancial Supervisory Commission. (2019). Granting of Internet-only Bank Approval. Retrieved February5, 2021, from: https://www.fsc.gov.tw/en/home.jsp?id=54&parentpath=0,2&mcustomize=multimessage_view.jsp&aplistdn=ou=news,ou=multisite,ou=english,ou=ap_root,o=fsc,c=tw&dataserno=201908160001&dtable=NewsFarhoomand, A. F., & Mak, V. (2002). Japan Net Bank: Japan’s First Internet-Only Bank–A Teaching Case. In Proceeding–15th Bled Electronic Commerce Conference (pp. 672-692).Ga-young Park (2017). Kakaobank gets final approval. The Korea Harold. Retrieved April 2, 2021, from: http://www.theinvestor.co.kr/view.php?ud=20170405000952Ga-young Park (2021). Kakao Bank to target loan market for low credit borrowers. The Korea Harold. Retrieved April 2, 2021, from:http://www.koreaherald.com/view.php?ud=20210202000876Javier Delgado, Ignacio Hernando and Mar´ıa J. Nieto (2007). Do European Primarily Internet Banks Show Scale and Experience Efficiencies?, European Financial Management, Vol. 13, No. 4, 2007, 643–671.Jerome Buvat, Subrahmanyam KVJ, (2014). Doing Business The Digital Way: How Capital One Fundamentally Disrupted the Financial Services Industry, Capgemini ConsultingJemmy S Huang, (2020). Bank 3.0 in Taiwan - Part 3: Here come the internet-only banks. J.P. Morgan, Asia Pacific Equity Research, 03 August 2020Korea Financial Services Commission (2020). FSC Approves BC Card and Woori Bank`s Holding of 34% and 19.9% Each in K Bank. FSC Press Release.Mukherjee, A. and Nath, P. (2007). "Role of electronic trust in online retailing: A re‐examination of the commitment‐trust theory", European Journal of Marketing, Vol. 41 No. 9/10, pp. 1173-1202. https://doi.org/10.1108/03090560710773390Philip Bruno, Olivier Denecker, Marc Niederkorn (2020). The accelerating winds of change in global payments. The 2020 McKinsey Global Payments Report.Ron Shevlin, (2020).How Chime Is Dominating Digital Banking (And All Of Banking). Forbes. Retrieved February5, 2021, from: https://www.forbes.com/sites/ronshevlin/2020/11/16/how-14-billion-chime-is-dominating-digital-banking-and-all-of-banking/Ron Shevlin, (2020). The Online Bank Insurgency Of 2020 . Forbes. Retrieved February5, 2021, from: https://www.forbes.com/sites/ronshevlin/2020/07/20/the-online-bank-insurgency-of-2020/?sh=aaf3084371fbThe Economist (2018). Japanese e-commerce giant Rakuten struggles to retake the lead from Amazon. Retrieved March 14, 2021, from: https://www.economist.com/business/2018/04/14/japanese-e-commerce-giant-rakuten-struggles-to-retake-the-lead-from-amazonVISA(2020). THE FUTUREOF COMMERCE: Consumer Payment Attitudes Study 2020. Retrieved March2, 2021, from: https://www.visa.com.hk/en_HK/partner-with-us/market-insights/consumer-payment-study.htmlYoujin Choi. (2020). Digital Banks: Lessons from Korea. World Bank Group Korea Office Innovation and Technology Note Series. Note Series Number 2. zh_TW dc.identifier.doi (DOI) 10.6814/NCCU202100825 en_US
