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題名 數位化銀行策略之比較分析
A Comparative Analysis of Digital Banking Strategy作者 孔康迪
Krone, Konstantin貢獻者 尚孝純
Shang, Shari
孔康迪
Konstantin Krone關鍵詞 數位銀行
金融科技
現任的
創新策略
成功因素
Digital Banking
FinTech
Incumbent
Innovation Strategy
Success Factor日期 2021 上傳時間 4-Aug-2021 15:07:15 (UTC+8) 摘要 This thesis explores the topic of digital banking strategies with focus on Digital Native Enterprises and traditional banks. It compares innovation strategies, success factors, and elaborates on their similarities and differences. Existing literature on the topic is examined in the literature review to identify typical innovation strategies and critical success factors. Based on that, a comparison framework is developed, it consists of the following six dimensions: customer centricity, corporate structure, innovation, compliance, corporate culture, and resources. Also, key challenges of both types of companies are taken into account. In the next step, a comparative case study is conducted using the self-developed framework. The digital banks Fidor Bank AG from Germany and Richart (belongs to the Taiwanese Taishin International Bank) serve as exemplary cases. Subsequently, both cases are applied to the comparison framework. The comparison sheds light on specific similarities, differences, challenges, and critical success factors. Finally, managerial implications are suggested for Digital Native Enterprises as well as traditional banks that are enhancing their digital banking innovation efforts. 參考文獻 ReferencesAcceleration. (n.d.). Four marketing lessons established brands should learn from digital native companies. Retrieved May 21, 2021, from https://www.acceleration.biz/our-thinking/modern-marketing-capabilities/four-marketing-lessons-established-brands-learn-digital-native-companies/Accenture. (2016, April). Fintech and the Evolving Landscape: Landing Points for the Industry. https://de.slideshare.net/AccentureInsurance/fintech-and-the-evolving-landscape-landing-points-for-the-industry-povArner, D., Barberis, J., & Buckley, R. (2016). The evolution of fintech: new post-crisis paradigm. Georgetown Journal of International Law, 47(4), 1271–1320.Asia Money. (2020, June 23). Taiwan’s Best Digital Bank 2020: Taishin Bank. https://www.asiamoney.com/article/27i6gralrq1bhg3whzzls/awards/best-bank-awards/taiwans-best-digital-bank-2020-taishin-bankAsian Banking & Finance. (2019). How Taishin Bank’s Richart captivated Taiwan’s youth. https://asianbankingandfinance.net/retail-banking/exclusive/how-taishin-banks-richart-captivated-taiwans-youthAtzler, E., & Holtermann, F. (2020, December 22). Fidor Bank wird aufgespalten – Finanzinvestor schlägt zum Schnäppchenpreis zu. Handelsblatt. https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/digitalbank-fidor-bank-wird-aufgespalten-finanzinvestor-schlaegt-zum-schnaeppchenpreis-zu/26742722.htmlBodek, M., & Matinjan, J. (2017). Innovation durch Corporate Incubation. In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 117–144). Springer Gabler.Botha, D. (2019, July). Knowledge Managment and the Digital Native Enterprise. Deloitte. https://www2.deloitte.com/za/en/pages/digital/articles/knowledge-management-and-the-digital-native-enterprise.htmlBreidbach, C., & Ranjan, S. (2017). How do Fintech Service Platforms Facilitate Value Co-Creation? An Analysis of Twitter Data. Fintech Service Platforms and Value Co-Creation, 7–14.Chang, A. (Ed.). (2020, April). Open Banking系列 | 德國Fidor Bank的Open Banking服務模式. Pocket Money. https://pocketmoney.tw/fidor-bank-open-banking/Dermine, J. (2016). Digital banking and market disruption: a sense of déjà vu? Financial Stability Review, 20, 1–8. https://faculty.insead.edu/jean-dermine/documents/BanquedeFrance-DigitalBanking-Proof-2016.pdfDigital Innovation and Transformation. (2015, September 13). Fidor – Digital winner in the banking industry? https://digital.hbs.edu/platform-digit/submission/fidor-digital-winner-in-the-banking-industry/Fidor Bank AG. (2019, March 4). 10 Jahre Banklizenz Fidor. https://www.fidor.de/documents/banking/10%20Jahre%20Banklizenz%20Fidor.pdfFidor Bank AG. (2021). Fidor. https://www.fidor.de/Financial Stability Board. (2017). FinTech. https://www.fsb.org/work-of-the-fsb/financial-innovation-and-structural-change/fintech/Gozman, D., Liebenau, J., & Mangan, J. (2018). The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT’s Innotribe Competition. Journal of Management Information Systems, 35(1), 145–179.Hotz-Hart, B. (2020, April). Innovationsverhalten der Banken am Beispiel FinTech. University of Zurich. https://www.researchgate.net/publication/340341434_Innovationsverhalten_der_Banken_am_Beispiel_FinTechi-Buzz Research. (2020, February 4). 2019年Q4數位網銀口碑報告：純網銀將加入戰局，活存優利、APP穩定度與功能性為決勝關鍵｜品牌口碑排行. https://www.i-buzz.com.tw/brandranking/article_page/?id=NTY=Illi, S., & Lichtenthaler, U. (2017). Das Ende des traditionellen Bankwesens? Hoffentlich! In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 21–36). Springer Gabler.IOSCO. (2017, February). IOSCO Research Report on Financial Technologies (Fintech). International Organization of Securities Commissions. https://www.iosco.org/library/pubdocs/pdf/IOSCOPD554.pdfNicoletti, B. (2017). The Future of Fintech - Integrating Finance and Technology in Financial Services. Palgrave Macmillan.Rafat, S., Sonnenberg, Y., & Krabs, M.-H. (2017). Design 4 Change - Wie Finanzdienstleister agile Innovationsmethoden und neue Managementparadigmen anwenden. In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 59–90). Springer Gabler.Ramaswamy, V., & Ozcan, K. (2018). What is co-creation? An interactional creation framework and its implications for value creation. Journal of Business Research, 84, 196–205.Richart. (2021). Richart Homepage. Richart by Taishin Bank. https://richart.tw/TSDIB_RichartWeb/RC00/RC000000Rosen, M., Ng, S., Pucciarelli, J., Parker, R., Findling, S., Versace, M., Hand, L., Prouty, K., Segal, R., Kolding, M., & Anderson, C. (2017, November). How the Digital-Native Enterprise Is Winning the Future, Now. IDC Perspective. https://www.idc.com/getdoc.jsp?containerId=US43195117Rossi, S. (2017, September). Idee per il futuro del sistema finanziario italiano. Adolfo Beria di Argentine. https://www.bancaditalia.it/pubblicazioni/interventi-direttorio/int-dir-2017/Rossi_Courmayeur_23092017.pdfSchena, C., Tanda, A., Arlotta, C., & Potenza, G. (2018). The development of FinTech. Quaderni FinTech, 1, 1–108.Schleussner, A. R. (2017). FinTech und Regulierung - Katalysator oder Hemmstoff? In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 357–366). Springer Gabler.Shilling, M., & Celner, A. (2020). 2021 Banking and Capital Markets Outlook. Deloitte. https://www2.deloitte.com/de/de/pages/financial-services/articles/banking-industry-outlook.htmlSmolinski, R., & Gerdes, M. (2017). Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft. In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 37–58). Springer Gabler.Still, K., Huhtala, T., & Saraniemi, S. (2016, December). FinTech as business and innovation ecosystems. The ISPIM Innovation Summit, Kuala Lumpur, Malaysia.Taishin Bank. (2021a). Brief Introduction to The Bank. Taishin International Bank. https://www.taishinbank.com.tw/TSB/en/about-us/brief-introduction-to-the-bank/Taishin Bank. (2021b). Taishin International Bank - 個人金融. Taishin International Bank. https://www.taishinbank.com.tw/TSB/personal/Vogt, M. (2016, June 28). Fidor Bank – Die Bank der Zukunft? Management Circle. https://www.management-circle.de/blog/fidor-bank-die-bank-der-zukunft/Watt, M. (2020, July 22). How digital natives are influencing traditional organizational design. Ernst & Young. https://www.ey.com/en_gl/workforce/how-digital-natives-are-influencing-traditional-organizational-design 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)
109933052資料來源 http://thesis.lib.nccu.edu.tw/record/#G0109933052 資料類型 thesis dc.contributor.advisor 尚孝純 zh_TW dc.contributor.advisor Shang, Shari en_US dc.contributor.author (Authors) 孔康迪 zh_TW dc.contributor.author (Authors) Konstantin Krone en_US dc.creator (作者) 孔康迪 zh_TW dc.creator (作者) Krone, Konstantin en_US dc.date (日期) 2021 en_US dc.date.accessioned 4-Aug-2021 15:07:15 (UTC+8) - dc.date.available 4-Aug-2021 15:07:15 (UTC+8) - dc.date.issued (上傳時間) 4-Aug-2021 15:07:15 (UTC+8) - dc.identifier (Other Identifiers) G0109933052 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136443 - 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) 109933052 zh_TW dc.description.abstract (摘要) This thesis explores the topic of digital banking strategies with focus on Digital Native Enterprises and traditional banks. It compares innovation strategies, success factors, and elaborates on their similarities and differences. Existing literature on the topic is examined in the literature review to identify typical innovation strategies and critical success factors. Based on that, a comparison framework is developed, it consists of the following six dimensions: customer centricity, corporate structure, innovation, compliance, corporate culture, and resources. Also, key challenges of both types of companies are taken into account. In the next step, a comparative case study is conducted using the self-developed framework. The digital banks Fidor Bank AG from Germany and Richart (belongs to the Taiwanese Taishin International Bank) serve as exemplary cases. Subsequently, both cases are applied to the comparison framework. The comparison sheds light on specific similarities, differences, challenges, and critical success factors. Finally, managerial implications are suggested for Digital Native Enterprises as well as traditional banks that are enhancing their digital banking innovation efforts. en_US dc.description.tableofcontents TABLE OF CONTENTS1. Introduction 11.1. Research Background 11.2. Research Motivation 11.3. Research Objectives 21.4. Research Process 32. Literature Review 42.1. Digital Native Enterprises 42.1.1. Success Factors of Digital Native Enterprises 52.1.2. Digital Native Banking 62.2. Innovation Strategies of Digital Native Enterprises 102.2.1. Innovation Strategies of FinTech Companies 102.2.2. Barriers of Innovation 132.3. Impact of Technological Development on Incumbents 142.3.1. External Influences on Incumbent Strategies 152.3.2. Internal Influences on Incumbent Strategies 152.4. Innovation Strategies of Incumbents 172.4.1. Self-developed Innovation 182.4.2. Cooperation, Acceleration, and Acquisition 202.4.3. Barriers of Innovation 222.5. Success Factors and Risks of Digital Banking 232.5.1. Success Factors 232.5.2. Risks of Digital Banking 262.5.3. Regulatory Environment 282.5.4. Developments in the Digital Banking Industry 303. Research Design 323.1. Research Approach 323.2. Data Collection 323.3. Data Analysis 344. Research Results 354.1. First Case: Richart 354.1.1. Case Introduction 354.1.2. Traditional Practice 354.1.3. Innovative Services 364.1.4. Challenges and Success Factors 374.2. Second Case: Fidor Bank AG 414.2.1. Case Introduction 414.2.2. Innovative Services 414.2.3. Challenges and Success Factors 444.3. Case Comparison 484.3.1. Comparison of Challenges and Success Factors 484.3.2. Operational Differences between Innovation Strategies 525. Conclusion 535.1. Summary 535.2. Implications 545.3. Limitations 556. References 567. Appendix 61 zh_TW dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0109933052 en_US dc.subject (關鍵詞) 數位銀行 zh_TW dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 現任的 zh_TW dc.subject (關鍵詞) 創新策略 zh_TW dc.subject (關鍵詞) 成功因素 zh_TW dc.subject (關鍵詞) Digital Banking en_US dc.subject (關鍵詞) FinTech en_US dc.subject (關鍵詞) Incumbent en_US dc.subject (關鍵詞) Innovation Strategy en_US dc.subject (關鍵詞) Success Factor en_US dc.title (題名) 數位化銀行策略之比較分析 zh_TW dc.title (題名) A Comparative Analysis of Digital Banking Strategy en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) ReferencesAcceleration. (n.d.). Four marketing lessons established brands should learn from digital native companies. Retrieved May 21, 2021, from https://www.acceleration.biz/our-thinking/modern-marketing-capabilities/four-marketing-lessons-established-brands-learn-digital-native-companies/Accenture. (2016, April). Fintech and the Evolving Landscape: Landing Points for the Industry. https://de.slideshare.net/AccentureInsurance/fintech-and-the-evolving-landscape-landing-points-for-the-industry-povArner, D., Barberis, J., & Buckley, R. (2016). The evolution of fintech: new post-crisis paradigm. Georgetown Journal of International Law, 47(4), 1271–1320.Asia Money. (2020, June 23). Taiwan’s Best Digital Bank 2020: Taishin Bank. https://www.asiamoney.com/article/27i6gralrq1bhg3whzzls/awards/best-bank-awards/taiwans-best-digital-bank-2020-taishin-bankAsian Banking & Finance. (2019). How Taishin Bank’s Richart captivated Taiwan’s youth. https://asianbankingandfinance.net/retail-banking/exclusive/how-taishin-banks-richart-captivated-taiwans-youthAtzler, E., & Holtermann, F. (2020, December 22). Fidor Bank wird aufgespalten – Finanzinvestor schlägt zum Schnäppchenpreis zu. Handelsblatt. https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/digitalbank-fidor-bank-wird-aufgespalten-finanzinvestor-schlaegt-zum-schnaeppchenpreis-zu/26742722.htmlBodek, M., & Matinjan, J. (2017). Innovation durch Corporate Incubation. In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 117–144). Springer Gabler.Botha, D. (2019, July). Knowledge Managment and the Digital Native Enterprise. Deloitte. https://www2.deloitte.com/za/en/pages/digital/articles/knowledge-management-and-the-digital-native-enterprise.htmlBreidbach, C., & Ranjan, S. (2017). How do Fintech Service Platforms Facilitate Value Co-Creation? An Analysis of Twitter Data. Fintech Service Platforms and Value Co-Creation, 7–14.Chang, A. (Ed.). (2020, April). Open Banking系列 | 德國Fidor Bank的Open Banking服務模式. Pocket Money. https://pocketmoney.tw/fidor-bank-open-banking/Dermine, J. (2016). Digital banking and market disruption: a sense of déjà vu? Financial Stability Review, 20, 1–8. https://faculty.insead.edu/jean-dermine/documents/BanquedeFrance-DigitalBanking-Proof-2016.pdfDigital Innovation and Transformation. (2015, September 13). Fidor – Digital winner in the banking industry? https://digital.hbs.edu/platform-digit/submission/fidor-digital-winner-in-the-banking-industry/Fidor Bank AG. (2019, March 4). 10 Jahre Banklizenz Fidor. https://www.fidor.de/documents/banking/10%20Jahre%20Banklizenz%20Fidor.pdfFidor Bank AG. (2021). Fidor. https://www.fidor.de/Financial Stability Board. (2017). FinTech. https://www.fsb.org/work-of-the-fsb/financial-innovation-and-structural-change/fintech/Gozman, D., Liebenau, J., & Mangan, J. (2018). The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT’s Innotribe Competition. Journal of Management Information Systems, 35(1), 145–179.Hotz-Hart, B. (2020, April). Innovationsverhalten der Banken am Beispiel FinTech. University of Zurich. https://www.researchgate.net/publication/340341434_Innovationsverhalten_der_Banken_am_Beispiel_FinTechi-Buzz Research. (2020, February 4). 2019年Q4數位網銀口碑報告：純網銀將加入戰局，活存優利、APP穩定度與功能性為決勝關鍵｜品牌口碑排行. https://www.i-buzz.com.tw/brandranking/article_page/?id=NTY=Illi, S., & Lichtenthaler, U. (2017). Das Ende des traditionellen Bankwesens? Hoffentlich! In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 21–36). Springer Gabler.IOSCO. (2017, February). IOSCO Research Report on Financial Technologies (Fintech). International Organization of Securities Commissions. https://www.iosco.org/library/pubdocs/pdf/IOSCOPD554.pdfNicoletti, B. (2017). The Future of Fintech - Integrating Finance and Technology in Financial Services. Palgrave Macmillan.Rafat, S., Sonnenberg, Y., & Krabs, M.-H. (2017). Design 4 Change - Wie Finanzdienstleister agile Innovationsmethoden und neue Managementparadigmen anwenden. In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 59–90). Springer Gabler.Ramaswamy, V., & Ozcan, K. (2018). What is co-creation? An interactional creation framework and its implications for value creation. Journal of Business Research, 84, 196–205.Richart. (2021). Richart Homepage. Richart by Taishin Bank. https://richart.tw/TSDIB_RichartWeb/RC00/RC000000Rosen, M., Ng, S., Pucciarelli, J., Parker, R., Findling, S., Versace, M., Hand, L., Prouty, K., Segal, R., Kolding, M., & Anderson, C. (2017, November). How the Digital-Native Enterprise Is Winning the Future, Now. IDC Perspective. https://www.idc.com/getdoc.jsp?containerId=US43195117Rossi, S. (2017, September). Idee per il futuro del sistema finanziario italiano. Adolfo Beria di Argentine. https://www.bancaditalia.it/pubblicazioni/interventi-direttorio/int-dir-2017/Rossi_Courmayeur_23092017.pdfSchena, C., Tanda, A., Arlotta, C., & Potenza, G. (2018). The development of FinTech. Quaderni FinTech, 1, 1–108.Schleussner, A. R. (2017). FinTech und Regulierung - Katalysator oder Hemmstoff? In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 357–366). Springer Gabler.Shilling, M., & Celner, A. (2020). 2021 Banking and Capital Markets Outlook. Deloitte. https://www2.deloitte.com/de/de/pages/financial-services/articles/banking-industry-outlook.htmlSmolinski, R., & Gerdes, M. (2017). Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft. In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 37–58). Springer Gabler.Still, K., Huhtala, T., & Saraniemi, S. (2016, December). FinTech as business and innovation ecosystems. The ISPIM Innovation Summit, Kuala Lumpur, Malaysia.Taishin Bank. (2021a). Brief Introduction to The Bank. Taishin International Bank. https://www.taishinbank.com.tw/TSB/en/about-us/brief-introduction-to-the-bank/Taishin Bank. (2021b). Taishin International Bank - 個人金融. Taishin International Bank. https://www.taishinbank.com.tw/TSB/personal/Vogt, M. (2016, June 28). Fidor Bank – Die Bank der Zukunft? Management Circle. https://www.management-circle.de/blog/fidor-bank-die-bank-der-zukunft/Watt, M. (2020, July 22). How digital natives are influencing traditional organizational design. Ernst & Young. https://www.ey.com/en_gl/workforce/how-digital-natives-are-influencing-traditional-organizational-design zh_TW dc.identifier.doi (DOI) 10.6814/NCCU202101071 en_US
