| dc.contributor.advisor | 郭維裕 | zh_TW |
| dc.contributor.author (Authors) | 黃千珮 | zh_TW |
| dc.contributor.author (Authors) | Bussara Huang | en_US |
| dc.creator (作者) | 黃千珮 | zh_TW |
| dc.creator (作者) | Huang, Bussara | en_US |
| dc.date (日期) | 2025 | en_US |
| dc.date.accessioned | 3-Mar-2025 13:47:03 (UTC+8) | - |
| dc.date.available | 3-Mar-2025 13:47:03 (UTC+8) | - |
| dc.date.issued (上傳時間) | 3-Mar-2025 13:47:03 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0112ZB1031 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/155920 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 國際金融碩士學位學程 | zh_TW |
| dc.description (描述) | 112ZB1031 | zh_TW |
| dc.description.abstract (摘要) | 本研究探討泰國與台灣金融科技（Fintech）生態系統的比較發展，重點關注兩國在創新、採用及監管框架方面的獨特策略。金融科技已成為金融服務領域的變革力量，受人工智慧（AI）、區塊鏈、雲端運算及大數據等技術驅動。泰國與台灣皆為亞洲金融科技市場的重要參與者，但因監管環境、文化因素及技術採用程度不同，兩國在發展優先事項與挑戰上存在差異。
泰國的金融科技生態受到政府主導的政策影響，例如 PromptPay 及「泰國 4.0」政策，著重於普惠金融與無現金社會的推動。相較之下，台灣則聚焦於將 AI、區塊鏈及開放銀行等先進技術融入金融系統，並透過強健的監管框架確保數據隱私與網路安全。
本研究發現，泰國與台灣在行動銀行的普及應用及透過監管沙盒（Regulatory Sandboxes）推動創新等方面具有相似之處。然而，兩國的發展策略有所不同：泰國專注於服務農村地區的未被充分服務族群，而台灣則更強調以技術驅動創新與消費者信任。兩國在發展過程中皆面臨網路安全威脅、監管不一致性及文化對無現金支付的抗拒等挑戰，特別是在台灣的年長族群中更為明顯。
此外，本研究結合訪談在台泰國籍人士的觀點，探討外籍居民因嚴格的身份驗證程序而難以獲取金融服務的問題，凸顯了包容性金融解決方案的重要性。
研究結果顯示，泰國與台灣在金融科技的可持續發展上提供了互補的策略，並為其他市場帶來有價值的啟示。泰國展現了政府政策在推動普惠金融方面的影響力，而台灣則示範了先進技術與嚴謹監管框架在促進創新中的作用。通過應對共同挑戰，如網路安全風險及監管平衡問題，兩國可持續引領亞洲金融科技創新。本研究為政策制定者、金融機構及技術開發者提供了可行的建議，以推動金融科技產業的包容性與可持續發展。 | zh_TW |
| dc.description.abstract (摘要) | This research explores the comparative development of financial technology (fintech) ecosystems in Thailand and Taiwan, focusing on their unique approaches to innovation, adoption, and regulatory frameworks. Fintech has emerged as a transformative force in financial services, driven by technologies such as artificial intelligence (AI), blockchain, cloud computing, and big data. Both Thailand and Taiwan serve as dynamic markets for fintech in Asia, but their priorities and challenges differ due to varying regulatory environments, cultural factors, and technological adoption levels.
Thailand’s fintech landscape is shaped by government-led initiatives like PromptPay and the Thailand 4.0 policy, emphasizing financial inclusion and the transition to a cashless society. In contrast, Taiwan focuses on integrating advanced technologies such as AI, blockchain, and open banking into its financial systems, supported by robust regulatory frameworks prioritizing data privacy and cybersecurity.
The study identifies key similarities, including the widespread adoption of mobile banking and the use of regulatory sandboxes to foster innovation. Differences arise in their approaches: Thailand focuses on serving underserved populations in rural areas, while Taiwan emphasizes technology-driven innovation and consumer trust. Challenges include cybersecurity threats, regulatory inconsistencies, and cultural resistance to cashless solutions, particularly among older demographics in Taiwan.
This research also incorporates insights from interviews with Thai nationals residing in Taiwan, highlighting the barriers foreign residents face in accessing financial services due to stringent identity verification processes. These findings underscore the importance of inclusive banking solutions tailored to diverse user needs.
The study concludes that Thailand and Taiwan provide complementary strategies for sustainable fintech development, offering valuable lessons for other markets. Thailand demonstrates the power of government policies in driving financial inclusion, while Taiwan exemplifies the role of advanced technologies and strong regulatory frameworks in fostering innovation. By addressing shared challenges such as cybersecurity risks and regulatory balancing, both countries can continue to lead fintech innovation in Asia. This research provides actionable insights for policymakers, financial institutions, and technology developers to promote inclusive and sustainable growth in the fintech sector. | en_US |
| dc.description.tableofcontents | Chapter I Introduction 1 – 6
•Background and Rationale for the Study 1 – 3
•Research Objectives and Questions 3 – 4
•Overview of the fintech landscape in Thailand and Taiwan 5
Chapter II Literature Review 7 – 17
•Definition and Evolution of Fintech 7 – 10
•Global Fintech Trends 11 – 15
•Comparative Analysis of Fintech Ecosystem in Thailand and Taiwan 16
Chapter III Fintech Ecosystem Analysis 18 – 26
•Thailand 19 – 21
•Taiwan 22 – 24
•Comparison: Thailand vs. Taiwan 25
Chapter IV Comparative Analysis 27 – 38
•Comparative Analysis of Fintech Development in Thailand and Taiwan 27 – 33
•Strengths and Weaknesses of Fintech Ecosystems 34 – 35
•Opportunities and Challenges for Fintech Adoption and Growth 36
•Policy Implications and Recommendations 37
•Factors That Drive the Difference Between Thailand and Taiwan 38 – 39
•User Experience of Thai Nationals in Taiwan 40
Chapter V Conclusion 42 – 48
•Summary of Key Findings 42 – 43
•Contributions to Knowledge 44
•Limitations of the Study and Avenues for Future Research 45
•Answers to Research Questions 46 – 47
•Remarks 48
Reference 49 – 50 | zh_TW |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0112ZB1031 | en_US |
| dc.subject (關鍵詞) | 金融科技應用 | zh_TW |
| dc.subject (關鍵詞) | 跨境金融服務 | zh_TW |
| dc.subject (關鍵詞) | 數位銀行 | zh_TW |
| dc.subject (關鍵詞) | 普惠金融 | zh_TW |
| dc.subject (關鍵詞) | 銀行科技 | zh_TW |
| dc.subject (關鍵詞) | 比較分析 | zh_TW |
| dc.subject (關鍵詞) | 用戶體驗 | zh_TW |
| dc.subject (關鍵詞) | 行動支付 | zh_TW |
| dc.subject (關鍵詞) | 金融可及性 | zh_TW |
| dc.subject (關鍵詞) | 文化對金融科技的影響 | zh_TW |
| dc.subject (關鍵詞) | 數位貨幣 | zh_TW |
| dc.subject (關鍵詞) | 跨文化銀行業務 | zh_TW |
| dc.subject (關鍵詞) | 金融服務創新 | zh_TW |
| dc.subject (關鍵詞) | 金融科技挑戰 | zh_TW |
| dc.subject (關鍵詞) | 銀行業數位轉型 | zh_TW |
| dc.subject (關鍵詞) | 國際支付 | zh_TW |
| dc.subject (關鍵詞) | Fintech Applications | en_US |
| dc.subject (關鍵詞) | Cross-border Financial Services | en_US |
| dc.subject (關鍵詞) | Digital Banking | en_US |
| dc.subject (關鍵詞) | Financial Inclusion | en_US |
| dc.subject (關鍵詞) | Banking Technology, | en_US |
| dc.subject (關鍵詞) | Comparative Analysis | en_US |
| dc.subject (關鍵詞) | User Experience | en_US |
| dc.subject (關鍵詞) | Mobile Payments | en_US |
| dc.subject (關鍵詞) | Financial Accessibility | en_US |
| dc.subject (關鍵詞) | Cultural Impact on Fintech | en_US |
| dc.subject (關鍵詞) | Digital Currency | en_US |
| dc.subject (關鍵詞) | Cross-Cultural Banking | en_US |
| dc.subject (關鍵詞) | Financial Services Innovation | en_US |
| dc.subject (關鍵詞) | Digital Transformation in Banking | en_US |
| dc.subject (關鍵詞) | International Payments | en_US |
| dc.subject (關鍵詞) | Fintech Challenges | en_US |
| dc.title (題名) | 台灣與泰國之金融科技發展比較分析：機會、挑戰與永續成長 | zh_TW |
| dc.title (題名) | A Comparative Analysis of Fintech Development in Thailand and Taiwan: Opportunities, Challenges, and Lessons for Sustainable Growth | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? Georgetown Journal of International Law, 47, 1271-1319.
Cathay United Bank. (n.d.). Download Cathay United Bank's CUBE App. Retrieved from https://www.cathaybk.com.tw/cathaybk/promo/event/ebanking/product/appdownloadEN/index.html
CB Insights. (2021). State Of Fintech Report: Investment & Sector Trends To Watch. Retrieved from https://www.cbinsights.com/research/report/fintech-trends-q4-2020/
Chandler MHM. (2022). Fintech 2022 - Thailand: Chambers Global Practice Guides. Retrieved from https://www.chandlermhm.com/content/files/pdf/publications/Chambers%20Global%20Practice%20Guides%20-%20Fintech%202022%20-%20Thailand.pdf
Conventus Law. (n.d.). Thailand: A Comparison Study of Fintech Regulations in Asia Pacific. Retrieved from https://conventuslaw.com/report/thailand-a-comparison-studies-of-fintech-regulations-in-asia-pacific-a-series/
Deloitte. (2020). Beyond COVID-19: New Opportunities for Fintech Companies. Retrieved from https://www2.deloitte.com/content/dam/Deloitte/us/Documents/financial-services/us-beyond-covid-19-new-opportunities-for-fintech-companies.pdf
Financial Stability Board. (2019). FinTech and Market Structure in Financial Services: Market Developments and Potential Financial Stability Implications. Retrieved from https://www.fsb.org/wp-content/uploads/P140219.pdf
FinTechSpace. (n.d.). Taiwan’s Fintech Development Roadmap Analysis. Retrieved from https://www.fintechspace.com.tw/en/industrial_research/taiwans-fintech-development-roadmap-analysis/
Gai, K., Qiu, M., & Sun, X. (2018). A Survey on FinTech. Journal of Network and Computer Applications, 103, 262-273.
Global Legal Insights. (n.d.). Fintech Laws and Regulations: Taiwan. Retrieved from https://www.globallegalinsights.com/practice-areas/fintech-laws-and-regulations/taiwan
Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), 537-580.
Kasikorn Bank. (n.d.). K PLUS Account Activity Instructions. Retrieved from https://www.kasikornbank.com/en/kplus/instruction/account-activity
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, Business Models, Investment Decisions, and Challenges. Business Horizons, 61(1), 35-46.
Philippon, T. (2016). The FinTech Opportunity. National Bureau of Economic Research Working Paper Series, No. 22476.
Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69-76.
PwC. (2019). Global FinTech Report 2019. Retrieved from https://www.pwc.com/gx/en/industries/financial-services/assets/pwc-global-fintech-report-2019.pdf
Reuters. (2024, July 19). Thailand plans new financial business law to attract funds, official says. Retrieved from https://www.reuters.com/markets/asia/thailand-plans-new-financial-business-law-attract-funds-official-says-2024-07-19/
Santosdiaz, R. (2024, September 13). Taiwan’s Fintech Push: Harnessing Innovation and expanding global ties. The Fintech Times. https://thefintechtimes.com/fintech-landscape-of-taiwan-in-2024/?utm.com
Santosdiaz, R. (2024a, August 6). Examining Thailand’s Fintech Landscape. The Fintech Times. https://thefintechtimes.com/fintech-landscape-of-thailand/?utm.com
Schueffel, P. (2016). Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4), 32-54.
Siam Commercial Bank. (n.d.). How to transfer money with SCB Easy. Retrieved from https://www.scb.co.th/en/personal-banking/digital-banking/scb-easy/how-to/transfer.html
Thakor, A. V. (2020). Fintech and Banking: What Do We Know? Journal of Financial Intermediation, 41, 100833.
U.S. Department of Commerce, International Trade Administration. (n.d.). Taiwan Fintech Regulatory Development. Retrieved from https://www.trade.gov/market-intelligence/taiwan-fintech-regulatory-development
Varga, D. (2017). Fintech, the New Era of Financial Services. Vezetéstudomány - Budapest Management Review, 48(11), 22-32.
World Economic Forum. (2015). The Future of Financial Services: How Disruptive Innovations Are Reshaping the Way Financial Services Are Structured, Provisioned and Consumed. Retrieved from http://www3.weforum.org/docs/WEF_The_future__of_financial_services.pdf
Zavolokina, L., Dolata, M., & Schwabe, G. (2016). The FinTech Phenomenon: Antecedents of Financial Innovation Perceived by the Popular Press. Financial Innovation, 2(1), 16. | zh_TW |
