| dc.contributor.advisor | 周行一 | zh_TW |
| dc.contributor.advisor | Chow, Hsing-Yi | en_US |
| dc.contributor.author (Authors) | 蔡安妍 | zh_TW |
| dc.contributor.author (Authors) | Tsai, An-Yan | en_US |
| dc.creator (作者) | 蔡安妍 | zh_TW |
| dc.creator (作者) | Tsai, An-Yan | en_US |
| dc.date (日期) | 2021 | en_US |
| dc.date.accessioned | 2-Sep-2021 16:30:44 (UTC+8) | - |
| dc.date.available | 2-Sep-2021 16:30:44 (UTC+8) | - |
| dc.date.issued (上傳時間) | 2-Sep-2021 16:30:44 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0108933023 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/136901 | - |
| 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) | 108933023 | zh_TW |
| dc.description.abstract (摘要) | Since 2016, the banking industry has started digital transformation and embedded fintech techniques into products and services. Some experts believe that Taiwan is overbanking. Therefore, banks are striving to develop their uniqueness and competitive advantages, hoping to make the business profitable and sustainable. Meanwhile, the Financial Supervisory Commission released related regulations to ensure the stability of the market.In January 2021, the first Internet-only bank Rakuten International Commercial Bank officially opened. Why did its key shareholders Rakuten Inc. and IBF Financial Holdings decide to open a brand-new bank rather than doing business from the existing banks and confident to reach break-even within 3 years? Is Rakuten Bank`s successful experience in Japan able to duplicate to a new market? What would be the challenges for its development?This case study is figuring out the development and opportunity of the Internet-only banks in Taiwan by analyzing the banking industry, regulations, Rakuten Bank’s business model, and potential threats. Eventually, providing a holistic view for people who’s not familiar yet interested to know the story. | en_US |
| dc.description.tableofcontents | 1. Chapter 1: Introduction and Motivation 11.1. Research Purpose and Motivation 11.2. Research Questions and Limitations 11.3. Research Method 11.4. Research Structure 22. Chapter 2: Case Background Review 32.1. General Company Description 32.2. Company Chronology 32.3. Company Preparation 52.4. Definitions of Internet-only Bank 52.5. Definitions of the Online Bank and the Digital Saving Account 63. Chapter 3: External Analysis and Identification of Opportunities and Threats 73.1. Environmental Analysis 73.1.1. Technology 73.1.2. Regulation 83.1.3. ESG 103.2. Industry Analysis 103.2.1. Industry Development Overview 113.2.2. Industry Structure 143.2.3. Industry Development Trend 153.3. Customer Analysis 173.3.1. Target Customer 173.3.2. The Incentives to the Customer 183.3.3. The Unsatisfied Needs of the Customers 193.4. Competitor Analysis 193.4.1. Existing Competitors 203.4.2. Potential Competitors 214. Chapter 4: Internal Analysis and Assessment of Strengths and Weaknesses 254.1. Strategy Structure 254.1.1. Strategic Partners 254.1.2. Current Strategy 254.2. Financial Performance Analysis 284.2.1. Financial Goals 304.3. Organization and Management Policy Analysis 304.3.1. Business Philosophy 314.3.2. Organizational Structure 314.3.3. Shareholder’s Structure 324.3.4. Marketing Policy 334.3.5. Human Resource Policy 334.4. Information System Strategy 345. Chapter 5: Comprehensive Analysis for the Success of Rakuten Bank in Japan 355.1. Fundamental Strategy Analysis 355.2. Competitive Strategy Analysis 365.3. Operational Strategy Analysis 385.3.1. Marketing Strategy 385.3.2. Acquisition Strategy 385.3.3. Service Strategy 395.3.4. Information Strategy 396. Chapter 6: What Happens to O-Bank, the First Virtual Bank in Taiwan 406.1. Company Background 406.2. Company Current Status 406.3. Conclusion 427. Chapter 7: Proposed Actions for Rakuten International Commercial Bank and Conclusion 437.1. Identification of Key Points for the Proposed Actions 437.2. Determination of Strategic Direction 447.3. Theoretical Basis 447.4. Conclusion and Expected Contributions 448. Reference 469. Appendix 499.1. Rakuten Bank JP Balance Sheet 499.2. Rakuten Bank JP Income Statement 539.3. Rakuten Bank JP Cash Flow Statement 57 | zh_TW |
| dc.format.extent | 1839015 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0108933023 | en_US |
| dc.subject (關鍵詞) | 純網銀 | zh_TW |
| dc.subject (關鍵詞) | 數位交易 | zh_TW |
| dc.subject (關鍵詞) | 樂天國際商業銀行 | zh_TW |
| dc.subject (關鍵詞) | 數位存款帳戶 | zh_TW |
| dc.subject (關鍵詞) | 金融科技 | zh_TW |
| dc.subject (關鍵詞) | 開放銀行 | zh_TW |
| dc.subject (關鍵詞) | 生態系統 | zh_TW |
| dc.subject (關鍵詞) | 電子支付機構 | zh_TW |
| dc.subject (關鍵詞) | Internet-only Bank | en_US |
| dc.subject (關鍵詞) | Digital Transformation | en_US |
| dc.subject (關鍵詞) | Rakuten International Commercial Bank | en_US |
| dc.subject (關鍵詞) | Digital Savings Account | en_US |
| dc.subject (關鍵詞) | Fintech | en_US |
| dc.subject (關鍵詞) | Open Banking | en_US |
| dc.subject (關鍵詞) | Ecosystem | en_US |
| dc.subject (關鍵詞) | Electronic Payment Institutions | en_US |
| dc.title (題名) | 個案分析：純網銀在台灣的發展與機會 –以樂天國際商業銀行為例 | zh_TW |
| dc.title (題名) | Case Study: The Development and Opportunities of the Internet-Only Bank in Taiwan – Take Rakuten International Commercial Bank as an Example | en_US |
| dc.type (資料類型) | thesis | en_US |
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| dc.identifier.doi (DOI) | 10.6814/NCCU202101222 | en_US |
