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題名 從技術與企業角度比較銀行即服務模式(BaaS)與服務若銀行模式(SaaB)
A Comparison between BaaS and SaaB on Technical and Business Dimensions作者 林品瑞
Lin, Pin-Jui貢獻者 尚孝純
Shang, Shari
林品瑞
Lin, Pin-Jui關鍵詞 銀行即服務
服務若銀行模式
銀行
金融科技
平台化
API
Banking-as-a-service
Service-as-a-bank
banks
Fintech
Platformization
API日期 2021 上傳時間 2-Sep-2021 15:47:30 (UTC+8) 摘要 銀行將其資源開放給第三方服務提供商，成為服務媒合中心與金融科技推動者，創造了銀行即服務 (BaaS)模式，利用銀行和金融科技公司的優勢，為所有參與者創造價值。傳統上銀行獨佔金融服務，但科技給金融實務帶來劇變。金融科技公司也開始提供金融服務，從而創造了銀服務若銀行模式 (SaaB)。隨著技術不斷革新現有銀行業務，銀行和金融科技公司正在通過應用程式介面(Application Programming Interface,(API)構建平台並共享資源。從而使得這兩種模式的比較成為一個有趣的研究議題。本研究首先定義了BaaS 和SaaB，並選取了6 個具有代表性的案例，每個模式分別選取3個案例進行內容分析。這項研究通過技術和商業角度比較了同一模型的案例，並基於平台的可訪問性、平台的吸引力和生態系統內共同創造的價值來比較兩種模型。這項工作展示了銀行克服老舊系統帶來的挑戰的幾種策略。本研究發現，銀行和金融科技公司在構建平台、開放API、形成生態系統、為所有參與者創造價值方面具有相似之處。但它們扮演著不同的角色。這兩種模式下的企業都是服務交付中心，但有了銀行牌照，銀行就成了金融科技的推動者、監督者和數位轉型加速器。相對的，沒有銀行執照銀行就不能從事金融服務，這使得它們很難向不同的國家擴張。金融科技公司的可訪問性更高，可以更好地吸引客戶並與他人合作。銀行提供量身定制的金融解決方案，因此客戶可以無縫地採用類似的解決方案，從而更容易被取代。相反，金融科技公司受到服務供應商使用多平台問題的影響較小。這項研究表明，傳統的銀行業務已經發生了翻天覆地的變化。銀行與金融科技公司合作，為客戶提供高效、安全的服務，從而降低運營成本。本研究還指出了影響企業經營的關鍵問題，如不同服務的同質性和監管問題。
Making available their resources to third-party service providers, banks are becoming service delivery centers and Fintech enablers, creating the banking as a service (BaaS) model that leverages the advantages of both banks and Fintech companies and creates value for all participants. Fintech companies provide financial services that used to be exclusively provided by banks, thereby creating service as a bank (SaaB) model. As technology continues to revolutionize existing banking practices, banks and Fintech companies are building platforms and sharing their resources through Application Programming Interfaces (APIs),hence making the comparison of the two models an interesting research issue. This study first defines BaaS and SaaB and selects six representative cases, three for each model, respectively, for content analysis. This work compared the cases of the same model via technical and business dimensions and compared the two models based on the accessibility of platforms, the attractiveness of the platforms, and the value co-created within the ecosystems.This work shows several strategies that banks can employ to overcome the challenges posed by their legacy systems. This study finds that banks and Fintech companies are similar in that they both build platforms, open their APIs, form ecosystems, and create value for all participants. However, they play different roles. Businesses in both models act as service delivery centers, but with banking licenses, banks serve as Fintech enablers, supervisors, and digital transformation accelerators. Without banking licenses, banks cannot perform financial services, making it difficult for them to expand to different countries. Fintech companies have higher accessibility, with which they can better attract customers and cooperate withothers. Banks provide tailored financial solutions, so customers can seamlessly adopt similar solutions. On the contrary, Fintech companies are less influenced by multihoming problems.This study shows that traditional banking practices have been drastically revolutionized. Banks cooperate with Fintech companies to provide customers efficient, safe services, thereby reducing operation costs. This study also points out the crucial issues influencing businesses’ operation, such as homogeneity among different services and regulatory issues.參考文獻 The Economist (2019, May), Tech’s raid on the banks Retrieved 26 June 2021, from https://www.economist.com/leaders/2019/05/02/techs-raid-on-thebanksGoh, B., & Yang, Y. (2020, March 10). Alibaba`s Alipay to open app to more services to take on Meituan(para 2-6), Reuters. Retrieved 26 June 2021, Retrieved from https://www.reuters.com/article/us-china-ant-financialidUSKBN20X0TU Dintrans, P., Anand, A., onnuveetil, M., Acharya, A., & Chardukian, A. (2016). 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(2019). When PSD2 Opens More Doors: The Risks of Open Banking (para 1-5). Retrieved 26 June 2021, from https://www.trendmicro.com/en_us/research/19/i/when-psd2-opens-more-doors-the-risks-of-open-banking.htmlEuropean Commission. (n.d.). Payment services(para 1-3). Retrieved 26 June 2021, from https://ec.europa.eu/newsroom/fisma/items/658958Hines, P. (2018, Mar). APIs IN BANKING: UNLOCKING BUSINESS VALUE WITH BANKING AS A PLATFORM (BAAP) (p 3-26). Celent Research. Retrieved 26 June 2021, from https://www.fidor.com/documents/analystreports/celent-apis-in-banking-unlocking-business-value-with-baap.PDFCity Global Perspective & Solutions (GPS). (2018). The Bank of the Future(p.40-42). Retrieved 4 August 2021, fromhttps://www.citi.com/commercialbank/insights/assets/docs/2018/The-Bank-ofthe-Future/39/#zoom=zAnt Group (n.d.)- Digital Daily Life(para 1-3). Retrieved 26 June 2021, from https://www.antgroup.com/en/digital-lifeBottomline (n.d.) About us(para 1-6). 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Case study as a research method(p 1-5). Jurnal Kemanusiaan, 5(1), 1-3. Retrieved fromhttps://jurnalkemanusiaan.utm.my/index.php/kemanusiaan/issue/view/44Wise (n.d.) The Story of Wise(para 1-3). Retrieved 27 June 2021, from https://wise.com/gb/about/our-storyAnt Group (n.d.) - Company Profile (para 1-7). Retrieved 27 June 2021, from https://www.antgroup.com/en/about/introductionFidor (n.d.) Digital Banking Solutions by Fidor(para 1-3). Retrieved 27 June 2021, from https://www.fidor.com/solutionsJBFG. (n.d.). History. Retrieved 4 August 2021, fromhttps://www.jbfg.com/eng/groupevacuation/history/contentsid/151/index.doWise (n.d.). A 7x cheaper multi-currency account (para 1-5). Retrieved 27 June 2021, from https://wise.com/gb/multi-currency-account/Wise (n.d.). Wise Card - Borderless( para 1-4). Retrieved 27 June 2021, from https://wise.com/gb/borderless/cardWise (n.d.). Business Account from Wise - UK Bank Account Alternative.(para 1-3). Retrieved 27 June 2021, from https://wise.com/gb/business/Wise (n.d.). Wise for Banks. (para 1-5). Retrieved 27 June 2021, from https://wise.com/gb/business/banksBusinesswise (2021, Jan). TransferWise and Visa Announce Global Partnership Following Successful Collaboration on Cloud Technology. (para 1-8). Retrieved 28 June 2021, fromhttps://www.businesswire.com/news/home/20210126006164/en/TransferWise-and-Visa-Announce-Global-Partnership-Following-Successful-Collaboration-on-Cloud-TechnologyPatel, B., TransferWise and Mastercard expand their global partnership. (para 1-10). Mastercard Retrieved 27 June 2021, from https://www.mastercard.com/news/ap/en/newsroom/pressreleases/en/2020/august/transferwise-and-mastercard-expand-their-globalpartnership/Wise (n.d.). Pricing and Coverage | Wise Business. (para 1-5). Retrieved 27 June 2021, from https://wise.com/gb/business/pricing-and-coverageWise. Wise for banks APIansfers. (para 1-8). 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Retrieved 27 June 2021, fromhttps://www.businesswire.com/news/home/20191202005182/en/Klarna-Selects-AWS-as-Its-Preferred-Cloud-ProviderAnt Group, (n.d.). Company Profile(para 1-7). Retrieved 4 Aug 2021, from https://www.antgroup.com/en/about/introductionAlibaba, (2005, Feb). Alibaba.com Launches Online Payment Solution in China (p 1-2). Retrieved 4 Aug 2021, fromhttps://www.alibabagroup.com/en/news/press_pdf/p050202.pdfAlipay (2021, Feb), Third-party Merchant QR Code Payment(para 1-4). Retrieved 4 Aug 2021, fromhttps://global.alipay.com/docs/ac/3rdpartryqrcodenew/introAlibaba (2021), Fiscal Year 2020 Annual Report (p 38), Retrieved 4 Aug 2021, from https://doc.irasia.com/listco/hk/alibabagroup/annual/2020/ar2020.pdfAlipay (n.d.). help detail (para 2), Retrieved 4 Aug 2021, from https://help.alipay.com/lab/help_detail.htm?help_id=212450&keyword=%B7%FE%CE%F1%B7%D1Alipay, (n.d.). Documentation(para 1-5). Retrieved 4 Aug 2021, from https://global.alipay.com/docs/Alibaba Cloud, (n.d.). Alipay: Financial-Grade Database for Online Payment -Alibaba Cloud Case Study(para 1-4). Retrieved 4 Aug 2021, fromhttps://www.alibabacloud.com/tc/customers/alipayiBanknet, (2021, Jan). CBW Bank Financial Reports, Retrieved 4 Aug 2021,fromhttps://www.ibanknet.com/scripts/callreports/viewreport.aspx?ibnid=usa_71859&per=20201231&rpt=RIE&typ=htmlCBW bank, (n.d.). Online Banking Features (para 1-5). Retrieved 27 June 2021, from https://secure.cbwbank.comJB Financial Group, (n.d.). Introduction. Retrieved 28 June 2021, from https://www.jbfg.com/eng/group-evacuation/obank/contentsid/155/index.doBonchek, M. & Choudary, S.P. (2013) Three Elements of a Successful Platform Strategy (para 1-12), Harvard Business Review. Retrieved 4 Aug 2021, from https://hbr.org/2013/01/three-elements-of-a-successful-platformLanteri, A., Esposito, M., & Tsu, T. (2021). From Fintechs to banking as a service: global trends banks cannot ignore (para 13-18). LSE Business Review. Retrieved 4 August 2021, from https://blogs.lse.ac.uk/businessreview/2021/01/19/from-Fintechs-to-bankingas-a-service-global-trends-banks-cannot-ignore/FBFG (n.d.). Business cases (para 5-6). Retrieved 5 August 2021, from https://www.jbfg.com/eng/group-evacuation/business/contentsid/156/index.do 描述 碩士
國立政治大學
資訊管理學系
107356026資料來源 http://thesis.lib.nccu.edu.tw/record/#G0107356026 資料類型 thesis dc.contributor.advisor 尚孝純 zh_TW dc.contributor.advisor Shang, Shari en_US dc.contributor.author (Authors) 林品瑞 zh_TW dc.contributor.author (Authors) Lin, Pin-Jui en_US dc.creator (作者) 林品瑞 zh_TW dc.creator (作者) Lin, Pin-Jui en_US dc.date (日期) 2021 en_US dc.date.accessioned 2-Sep-2021 15:47:30 (UTC+8) - dc.date.available 2-Sep-2021 15:47:30 (UTC+8) - dc.date.issued (上傳時間) 2-Sep-2021 15:47:30 (UTC+8) - dc.identifier (Other Identifiers) G0107356026 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136839 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 資訊管理學系 zh_TW dc.description (描述) 107356026 zh_TW dc.description.abstract (摘要) 銀行將其資源開放給第三方服務提供商，成為服務媒合中心與金融科技推動者，創造了銀行即服務 (BaaS)模式，利用銀行和金融科技公司的優勢，為所有參與者創造價值。傳統上銀行獨佔金融服務，但科技給金融實務帶來劇變。金融科技公司也開始提供金融服務，從而創造了銀服務若銀行模式 (SaaB)。隨著技術不斷革新現有銀行業務，銀行和金融科技公司正在通過應用程式介面(Application Programming Interface,(API)構建平台並共享資源。從而使得這兩種模式的比較成為一個有趣的研究議題。本研究首先定義了BaaS 和SaaB，並選取了6 個具有代表性的案例，每個模式分別選取3個案例進行內容分析。這項研究通過技術和商業角度比較了同一模型的案例，並基於平台的可訪問性、平台的吸引力和生態系統內共同創造的價值來比較兩種模型。這項工作展示了銀行克服老舊系統帶來的挑戰的幾種策略。本研究發現，銀行和金融科技公司在構建平台、開放API、形成生態系統、為所有參與者創造價值方面具有相似之處。但它們扮演著不同的角色。這兩種模式下的企業都是服務交付中心，但有了銀行牌照，銀行就成了金融科技的推動者、監督者和數位轉型加速器。相對的，沒有銀行執照銀行就不能從事金融服務，這使得它們很難向不同的國家擴張。金融科技公司的可訪問性更高，可以更好地吸引客戶並與他人合作。銀行提供量身定制的金融解決方案，因此客戶可以無縫地採用類似的解決方案，從而更容易被取代。相反，金融科技公司受到服務供應商使用多平台問題的影響較小。這項研究表明，傳統的銀行業務已經發生了翻天覆地的變化。銀行與金融科技公司合作，為客戶提供高效、安全的服務，從而降低運營成本。本研究還指出了影響企業經營的關鍵問題，如不同服務的同質性和監管問題。 zh_TW dc.description.abstract (摘要) Making available their resources to third-party service providers, banks are becoming service delivery centers and Fintech enablers, creating the banking as a service (BaaS) model that leverages the advantages of both banks and Fintech companies and creates value for all participants. Fintech companies provide financial services that used to be exclusively provided by banks, thereby creating service as a bank (SaaB) model. As technology continues to revolutionize existing banking practices, banks and Fintech companies are building platforms and sharing their resources through Application Programming Interfaces (APIs),hence making the comparison of the two models an interesting research issue. This study first defines BaaS and SaaB and selects six representative cases, three for each model, respectively, for content analysis. This work compared the cases of the same model via technical and business dimensions and compared the two models based on the accessibility of platforms, the attractiveness of the platforms, and the value co-created within the ecosystems.This work shows several strategies that banks can employ to overcome the challenges posed by their legacy systems. This study finds that banks and Fintech companies are similar in that they both build platforms, open their APIs, form ecosystems, and create value for all participants. However, they play different roles. Businesses in both models act as service delivery centers, but with banking licenses, banks serve as Fintech enablers, supervisors, and digital transformation accelerators. Without banking licenses, banks cannot perform financial services, making it difficult for them to expand to different countries. Fintech companies have higher accessibility, with which they can better attract customers and cooperate withothers. Banks provide tailored financial solutions, so customers can seamlessly adopt similar solutions. On the contrary, Fintech companies are less influenced by multihoming problems.This study shows that traditional banking practices have been drastically revolutionized. Banks cooperate with Fintech companies to provide customers efficient, safe services, thereby reducing operation costs. This study also points out the crucial issues influencing businesses’ operation, such as homogeneity among different services and regulatory issues. en_US dc.description.tableofcontents Table of ContentsAcknowledgements I摘要 IIAbstract IIIList of tables IVList of figures IVTable of contents VChapter 1: Introduction 11.1 Research Background 11.2 Research Motivation 11.3 Research Objective 2Chapter 2: Literature Review 32.1 Banks and Banking Services 32.2 Banking as a Service 42.3 Service as a Bank 52.4 Technical Concerns 62.4.1 Data Flow 62.4.2 Application Regulations 72.4.3 Operation 9Chapter 3: Research Design 123.1 Research Approach 123.2 Data Selection 133.3 Data Analysis 15Chapter 4: Case Analysis 164.1 Analyzed Result 164.1.1 Wise 164.1.2 Klarna 194.1.3 Ant Group 234.1.4 CBW Bank 264.1.5 Fidor Bank 284.1.6 JB Financial Group 304.2 Cross-case Analysis 324.2.1 Business Dimension 324.2.2 Technical Dimension 384.3 The Influence of SaaB and BaaS 40Chapter 5: Conclusion 425.1 Summary 425.2 Contribution 435.3 Limitation and Future Research 44Reference 45 zh_TW dc.format.extent 1079565 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0107356026 en_US dc.subject (關鍵詞) 銀行即服務 zh_TW dc.subject (關鍵詞) 服務若銀行模式 zh_TW dc.subject (關鍵詞) 銀行 zh_TW dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 平台化 zh_TW dc.subject (關鍵詞) API zh_TW dc.subject (關鍵詞) Banking-as-a-service en_US dc.subject (關鍵詞) Service-as-a-bank en_US dc.subject (關鍵詞) banks en_US dc.subject (關鍵詞) Fintech en_US dc.subject (關鍵詞) Platformization en_US dc.subject (關鍵詞) API en_US dc.title (題名) 從技術與企業角度比較銀行即服務模式(BaaS)與服務若銀行模式(SaaB) zh_TW dc.title (題名) A Comparison between BaaS and SaaB on Technical and Business Dimensions en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) The Economist (2019, May), Tech’s raid on the banks Retrieved 26 June 2021, from https://www.economist.com/leaders/2019/05/02/techs-raid-on-thebanksGoh, B., & Yang, Y. 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