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題名 金融 AI 雲 以台灣證券業為例
Financial AI Cloud Take Taiwan's securities industry as an example.
作者 吳文舜
WU, WEN-SHUEN
貢獻者 蔡瑞煌<br>周行一
Rua-Huan Tsaih<br>Edward Chow
吳文舜
WEN-SHUEN WU
關鍵詞 人工智慧
雲服務
金融 AI 雲
AI-enabled services
AI tech-stack model
FinAIC
FinTech
Artificial intelligence
cloud
financial AI cloud
AI-enabled services
AI tech-stack model
financial industry
日期 2024
上傳時間 1-Mar-2024 14:10:23 (UTC+8)
摘要 人工智能（Artificial intelligence，簡稱AI）時代來臨，許多產業都出現產業AI化以及AI產業化。在金融領域裡，雖然也出現產業AI化的現象，但卻鮮少有以金融產業為目標客戶（Target Audience）的金融AI雲服務（Finance AI Cloud，簡稱FinAIC）。本研究以台灣新創金融科技公司的定位為出發點，提出以AI技術堆疊框架（AI Tech-Stack Model）為基礎架構的FinAIC服務，並設計開發出AI加值之金融服務，提供給四大類型金融產業用戶：大型金融機構（Large Financial Institutions，簡稱LFIs）、中小型金融機構（Small and Medium-sized Financial Institutions，簡稱SMFIs）、獨立軟體供應商（Independent software vendors，簡稱ISVs）與第三方服務業者（Third-party Service Providers，簡稱TSPs）。 本研究透過三大實驗，驗證FinAIC具備五項整合優勢。實驗一以LFIs & SMFIs現有AI服務導入FinAIC，驗證FinAIC具備軟硬體整合優勢。實驗二以ISVs 導入FinAIC，驗證FinAIC具備易用性優勢、數據管理整合優勢、及軟硬體整合優勢。實驗三以TSPs運用FinAIC新增AI服務，驗證FinAIC具備模型與數據參數整合優勢、資源交換分享優勢、軟硬體整合優勢。 本研究之貢獻有三：（1）提出FinAIC框架，並模擬四種類型 LFIs、SMFIs、ISVs、TSPs參與者的生態系共生應用情境；（2）依據FinAIC框架與生態系共生情境，透過三大實驗，驗證FinAIC具備五項整合優勢；（3）提出FinAIC如何滿足金融監管八大規範，並在法規推動、聯合查核、數據落地、資訊安全議題與FinTech新創發展五種面向有助於金融監管，以及發展成為證券期貨業ITOM雲服務與探討平台形成可能性。
With the advent of the era of artificial intelligence (AI), many industries have opened to industrialized AI and AI industrialization. However, there are rare financial AI industrialization (FinAIInd) services provided through the financial AI cloud (FinAIC) that exclusively cater to the financial community. Through three major experiments, this study verified that FinAIC has five integration advantages. Experiment 1 imported the existing AI services of LFIs & SMFIs into FinAIC to verify that FinAIC has the advantages of software and hardware integration. Experiment 2 uses ISVs to import FinAIC to verify that FinAIC has the advantages of ease of use, data management integration, and software and hardware integration. Experiment 3 uses TSPs to use FinAIC to add new AI services, verifying that FinAIC has the advantages of model and data parameter integration, resource exchange and sharing advantages, and software and hardware integration advantages. The contributions of this study are threefold: (1) Propose the FinAIC framework and simulate the ecosystem symbiosis application scenarios of four types of LFIs, SMFIs, ISVs, and TSPs participants; (2) Through three major Experiments verifyed that FinAIC has five integration advantages; (3) Propose how FinAIC meets the eight major norms of financial supervision and contribute to financial supervision in five aspects: regulatory promotion, joint verification, data implementation, information security issues and FinTech innovation and development. As well as developing into an ITOM cloud service for the securities and futures industry and exploring the possibility of forming a platform.
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描述 博士
國立政治大學
資訊管理學系
108356505
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108356505
資料類型 thesis
dc.contributor.advisor 蔡瑞煌<br>周行一zh_TW
dc.contributor.advisor Rua-Huan Tsaih<br>Edward Chowen_US
dc.contributor.author (Authors) 吳文舜zh_TW
dc.contributor.author (Authors) WEN-SHUEN WUen_US
dc.creator (作者) 吳文舜zh_TW
dc.creator (作者) WU, WEN-SHUENen_US
dc.date (日期) 2024en_US
dc.date.accessioned 1-Mar-2024 14:10:23 (UTC+8)-
dc.date.available 1-Mar-2024 14:10:23 (UTC+8)-
dc.date.issued (上傳時間) 1-Mar-2024 14:10:23 (UTC+8)-
dc.identifier (Other Identifiers) G0108356505en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/150256-
dc.description (描述) 博士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) 108356505zh_TW
dc.description.abstract (摘要) 人工智能（Artificial intelligence，簡稱AI）時代來臨，許多產業都出現產業AI化以及AI產業化。在金融領域裡，雖然也出現產業AI化的現象，但卻鮮少有以金融產業為目標客戶（Target Audience）的金融AI雲服務（Finance AI Cloud，簡稱FinAIC）。本研究以台灣新創金融科技公司的定位為出發點，提出以AI技術堆疊框架（AI Tech-Stack Model）為基礎架構的FinAIC服務，並設計開發出AI加值之金融服務，提供給四大類型金融產業用戶：大型金融機構（Large Financial Institutions，簡稱LFIs）、中小型金融機構（Small and Medium-sized Financial Institutions，簡稱SMFIs）、獨立軟體供應商（Independent software vendors，簡稱ISVs）與第三方服務業者（Third-party Service Providers，簡稱TSPs）。 本研究透過三大實驗，驗證FinAIC具備五項整合優勢。實驗一以LFIs & SMFIs現有AI服務導入FinAIC，驗證FinAIC具備軟硬體整合優勢。實驗二以ISVs 導入FinAIC，驗證FinAIC具備易用性優勢、數據管理整合優勢、及軟硬體整合優勢。實驗三以TSPs運用FinAIC新增AI服務，驗證FinAIC具備模型與數據參數整合優勢、資源交換分享優勢、軟硬體整合優勢。 本研究之貢獻有三：（1）提出FinAIC框架，並模擬四種類型 LFIs、SMFIs、ISVs、TSPs參與者的生態系共生應用情境；（2）依據FinAIC框架與生態系共生情境，透過三大實驗，驗證FinAIC具備五項整合優勢；（3）提出FinAIC如何滿足金融監管八大規範，並在法規推動、聯合查核、數據落地、資訊安全議題與FinTech新創發展五種面向有助於金融監管，以及發展成為證券期貨業ITOM雲服務與探討平台形成可能性。zh_TW
dc.description.abstract (摘要) With the advent of the era of artificial intelligence (AI), many industries have opened to industrialized AI and AI industrialization. However, there are rare financial AI industrialization (FinAIInd) services provided through the financial AI cloud (FinAIC) that exclusively cater to the financial community. Through three major experiments, this study verified that FinAIC has five integration advantages. Experiment 1 imported the existing AI services of LFIs & SMFIs into FinAIC to verify that FinAIC has the advantages of software and hardware integration. Experiment 2 uses ISVs to import FinAIC to verify that FinAIC has the advantages of ease of use, data management integration, and software and hardware integration. Experiment 3 uses TSPs to use FinAIC to add new AI services, verifying that FinAIC has the advantages of model and data parameter integration, resource exchange and sharing advantages, and software and hardware integration advantages. The contributions of this study are threefold: (1) Propose the FinAIC framework and simulate the ecosystem symbiosis application scenarios of four types of LFIs, SMFIs, ISVs, and TSPs participants; (2) Through three major Experiments verifyed that FinAIC has five integration advantages; (3) Propose how FinAIC meets the eight major norms of financial supervision and contribute to financial supervision in five aspects: regulatory promotion, joint verification, data implementation, information security issues and FinTech innovation and development. As well as developing into an ITOM cloud service for the securities and futures industry and exploring the possibility of forming a platform.en_US
dc.description.tableofcontents 第一章 緒論 1 第一節 研究背景 1 第二節 研究動機 4 第三節 預期研究貢獻 11 第四節 研究方法與章節安排 12 第二章 文獻探討 14 第一節 雲計算與AI相關文獻 14 第二節 AIaaS與AI Stack 15 第三節 The AI Tech-Stack Model 17 第四節 開放式創新、動態能耐與生態系 20 第三章 金融AI雲FinAIC 22 第一節 FinAIC框架 22 第二節 FinAIC參與者與應用情境 31 第三節 FinAIC整合優勢 41 第四節 FinAIC如何滿足金融監管 43 第四章 PoC實驗背景和訪談專家背景 51 第一節 LFIs & SMFIs現有AI服務導入FinAIC實驗背景 53 第二節 數據ISVs 導入FinAIC實驗背景 59 第三節 TSPs運用FinAIC新增AI服務實驗背景 63 第四節 專家訪談設計 66 第五章 PoC實驗結果與專家訪談 67 第一節 LFIs & SMFIs 現有AI服務導入FinAIC實驗結果 68 第二節 數據ISVs 導入FinAIC實驗結果 75 第三節 TSPs運用FinAIC新增AI服務實驗結果 85 第四節 專家訪談結果 88 第六章 討論與建議 92 第一節 本研究實務意涵與理論貢獻 92 第二節 FinAIC生態系形成的論述路徑 94 第三節FinAIC生態系對實務界的延伸價值 99 第四節 FinAIC平台形成可能性探討 104 第五節 研究限制與後續研究建議 106 參考文獻 109zh_TW
dc.format.extent 6229108 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108356505en_US
dc.subject (關鍵詞) 人工智慧zh_TW
dc.subject (關鍵詞) 雲服務zh_TW
dc.subject (關鍵詞) 金融 AI 雲zh_TW
dc.subject (關鍵詞) AI-enabled serviceszh_TW
dc.subject (關鍵詞) AI tech-stack modelzh_TW
dc.subject (關鍵詞) FinAICzh_TW
dc.subject (關鍵詞) FinTechzh_TW
dc.subject (關鍵詞) Artificial intelligenceen_US
dc.subject (關鍵詞) clouden_US
dc.subject (關鍵詞) financial AI clouden_US
dc.subject (關鍵詞) AI-enabled servicesen_US
dc.subject (關鍵詞) AI tech-stack modelen_US
dc.subject (關鍵詞) financial industryen_US
dc.title (題名) 金融 AI 雲 以台灣證券業為例zh_TW
dc.title (題名) Financial AI Cloud Take Taiwan's securities industry as an example.en_US
dc.type (資料類型) thesisen_US
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