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題名 以專利分析探討金融科技創新多樣性對金融機構績效的影響
Diversity in Fintech Innovation: Exploring the Impact on Financial Firm Performance Through Patent Analysis
作者 黃祺雯
Huang, Chi-Wen
貢獻者 張欣綠
Chang, Hsin-Lu
黃祺雯
Huang, Chi-Wen
關鍵詞 金融科技
金融科技創新
專利多樣性
財務績效
策略導向
策略配適
financial technology
FinTech innovation
patent diversity
financial firm performance
strategic orientation
strategic alignment
日期 2025
上傳時間 4-Aug-2025 14:26:00 (UTC+8)
摘要 本研究透過專利分析探討金融科技創新多樣性對金融機構績效的影響。研究分析專利多樣性的三個維度：分離度(技術創新程度)、多樣性(技術應用領域)及差異性(使用技術差異)，並探討企業的經營策略(防禦者、分析者、探索者)如何調節這些關係。基於2012年至2024年的資料，研究旨在檢視專利多樣性各維度對金融機構績效的影響，以及其與不同策略的互動關係。研究結果有助於了解金融企業如何優化其技術創新組合，為正在進行數位轉型的金融產業提供重要的見解。
This study examines how diversity in FinTech innovation affects the performance of financial institutions through patent analysis. The research analyzes three dimensions of patent diversity: separation (technology novelty), variety (technology application), and disparity (enabling technology), while investigating how firms' strategic orientations (defender, analyzer, or prospector) moderate these relationships. Based on data from 2012 to 2024, the study examines the varying impacts of each dimension of patent diversity on firm performance and their interaction with different strategic orientations. The findings contribute to understanding how financial institutions can optimize their technological innovation portfolios, providing valuable insights for organizations navigating digital transformation.
參考文獻 Arnaboldi, F., & Claeys, P. (2014). Banks and patents in the US. In Innovation in financial services: A dual ambiguity. Cambridge Scholars Publishing. https://hdl.handle.net/2434/241389 Appio, F. P., De Luca, L. M., Morgan, R., & Martini, A. (2019). Patent portfolio diversity and firm profitability: A question of specialization or diversification?. Journal of Business Research, 101, 255-267. https://doi.org/10.1016/j.jbusres.2019.04.020 Barney, J. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1), 99-120. https://doi.org/10.1177/014920639101700108 Burgelman, R. A. (1991). Intraorganizational ecology of strategy making and organizational adaptation: Theory and field research. Organization science, 2(3), 239-262. https://doi.org/10.1287/orsc.2.3.239 Bos, J. W., Kolari, J. W., & van Lamoen, R. C. (2013). Competition and innovation: Evidence from financial services. Journal of Banking & Finance, 37(5), 1590-1601. https://doi.org/10.1016/j.jbankfin.2012.12.015 Bunderson, J. S., & Sutcliffe, K. M. (2002). Comparing alternative conceptualizations of functional diversity in management teams: Process and performance effects. Academy of management journal, 45(5), 875-893. https://doi.org/10.2307/3069319 Bell, S. T., Villado, A. J., Lukasik, M. A., Belau, L., & Briggs, A. L. (2011). Getting specific about demographic diversity variable and team performance relationships: A meta-analysis. Journal of management, 37(3), 709-743. https://doi.org/10.1177/0149206310365001 Caner, T., Bruyaka, O., & Prescott, J. E. (2018). Flow signals: Evidence from patent and alliance portfolios in the US biopharmaceutical industry. Journal of Management Studies, 55(2), 232-264. https://doi.org/10.1111/joms.12217 Craja, P., Kim, A., & Lessmann, S. (2020). Deep learning for detecting financial statement fraud. Decision Support Systems, 139, 113421. https://doi.org/10.1016/j.dss.2020.113421 Cohen, W. M., & Levinthal, D. A. (1990). Absorptive capacity: A new perspective on learning and innovation. Administrative science quarterly, 35(1), 128-152. https://doi.org/10.2307/2393553 Chuluun, T., Prevost, A., & Upadhyay, A. (2017). Firm network structure and innovation. Journal of Corporate Finance, 44, 193-214. https://doi.org/10.1016/j.jcorpfin.2017.03.009 Chen, M. A., Wu, Q., & Yang, B. (2019). How Valuable Is FinTech Innovation?. The Review of Financial Studies, 32(5), 2062–2106. https://doi.org/10.1093/rfs/hhy130 DeSarbo, W. S., Anthony Di Benedetto, C., Song, M., & Sinha, I. (2005). Revisiting the Miles and Snow strategic framework: uncovering interrelationships between strategic types, capabilities, environmental uncertainty, and firm performance. Strategic management journal, 26(1), 47-74. https://doi.org/10.1002/smj.431 Garcia-Vega, M. (2006). Does technological diversification promote innovation?: An empirical analysis for European firms. Research policy, 35(2), 230-246. https://doi.org/10.1016/j.respol.2005.09.006 Guo, Z., & Dan, M. A. (2023). Catching the Fast Payments Trend: Optimal Designs and Leadership Strategies of Retail Payment and Settlement Systems. MIS Quarterly, 47(2), 669-704. https://doi.org/10.25300/MISQ/2022/16776 Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87, 537-580. https://doi.org/10.1007/s11573-017-0852-x Harrison, D. A., & Klein, K. J. (2007). What's the difference? Diversity constructs as separation, variety, or disparity in organizations. Academy of Management Review, 32(4), 1199-1228. https://doi.org/10.5465/amr.2007.26586096 Huo, D., Motohashi, K., & Gong, H. (2019). Team diversity as dissimilarity and variety in organizational innovation. Research Policy, 48(6), 1564-1572. https://doi.org/10.1016/j.respol.2019.03.020 Henderson, J. C., & Venkatraman, H. (1999). Strategic alignment: Leveraging information technology for transforming organizations. IBM systems journal, 38(2.3), 472-484. https://doi.org/10.1147/SJ.1999.5387096 He, Z. L., & Wong, P. K. (2004). Exploration vs. exploitation: An empirical test of the ambidexterity hypothesis. Organization science, 15(4), 481-494. https://doi.org/10.1287/orsc.1040.0078 Junni, P., Sarala, R. M., Taras, V. A. S., & Tarba, S. Y. (2013). Organizational ambidexterity and performance: A meta-analysis. Academy of Management Perspectives, 27(4), 299-312. https://doi.org/10.5465/amp.2012.0015 KPMG. (2021). Pulse of Fintech H2'20. https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2021/02/pulse-of-fintech-h2-2020.pdf Lin, B. W., Chen, C. J., & Wu, H. L. (2006). Patent portfolio diversity, technology strategy, and firm value. IEEE transactions on engineering management, 53(1), 17-26. https://doi.org/10.1109/TEM.2005.861813 Lin, B. W., Lee, Y., & Hung, S. C. (2006). R&D intensity and commercialization orientation effects on financial performance. Journal of business research, 59(6), 679-685. https://doi.org/10.1016/j.jbusres.2006.01.002 Levinthal, D. A., & March, J. G. (1993). The myopia of learning. Strategic management journal, 14(S2), 95-112. https://doi.org/10.1002/smj.4250141009 Lettl, C., Rost, K., & Von Wartburg, I. (2009). Why are some independent inventors ‘heroes’ and others ‘hobbyists’? The moderating role of technological diversity and specialization. Research Policy, 38(2), 243-254. https://doi.org/10.1016/j.respol.2008.12.004 Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46. https://doi.org/10.1016/j.bushor.2017.09.003 Lerner, J., Seru, A., Short, N., & Sun, Y. (2021). Financial innovation in the 21st century: Evidence from U.S. patents (No. w28980). National Bureau of Economic Research. https://doi.org/10.3386/w28980 Lavie, D., Stettner, U., & Tushman, M. L. (2010). Exploration and exploitation within and across organizations. Academy of Management annals, 4(1), 109-155. https://doi.org/10.1080/19416521003691287 Li, C., Wang, H., Jiang, S., & Gu, B. (2024). The Effect of AI-Enabled Credit Scoring on Financial Inclusion: Evidence from an Underserved Population of over One Million. MIS Quarterly, 48(4). https://doi.org/10.25300/MISQ/2024/18340 March, J. G. (1991). Exploration and exploitation in organizational learning. Organization science, 2(1), 71-87. https://doi.org/10.1287/orsc.2.1.71 Melville, N., Kraemer, K., & Gurbaxani, V. (2004). Information technology and organizational performance: An integrative model of IT business value. MIS quarterly, 283-322. https://www.jstor.org/stable/25148636 Miles, R. E., Snow, C. C., Meyer, A. D., & Coleman Jr, H. J. (1978). Organizational strategy, structure, and process. Academy of Management Review, 3(3), 546-562. https://doi.org/10.5465/amr.1978.4305755 O’reilly Iii, C. A., & Tushman, M. L. (2008). Ambidexterity as a dynamic capability: Resolving the innovator's dilemma. Research in organizational behavior, 28, 185-206. https://doi.org/10.1016/j.riob.2008.06.002 PwC. (2017). Global FinTech Report 2017: Redrawing the lines: FinTech's growing influence on Financial Services. Paul, S., Adhikari, A., & Bose, I. (2022). White knight in dark days? Supply chain finance firms, blockchain, and the COVID-19 pandemic. Information & Management, 59(6), 103661. https://doi.org/10.1016/j.im.2022.103661 Quintana-García, C., & Benavides-Velasco, C. A. (2008). Innovative competence, exploration and exploitation: The influence of technological diversification. Research Policy, 37(3), 492-507. https://doi.org/10.1016/j.respol.2007.12.002 Ravishankar, M. N. (2021). Social innovations and the fight against poverty: An analysis of India's first prosocial P2P lending platform. Information Systems Journal, 31(5), 745-766. https://doi.org/10.1111/isj.12340 Ramasubbu, N., Bharadwaj, A., & Tayi, G. K. (2015). Software process diversity. Mis Quarterly, 39(4), 787-807. https://www.jstor.org/stable/26628652 Sabherwal, R., & Chan, Y. E. (2001). Alignment between business and IS strategies: A study of prospectors, analyzers, and defenders. Information systems research, 12(1), 11-33. https://doi.org/10.1287/isre.12.1.11.9714 Senyo, P. K., Gozman, D., Karanasios, S., Dacre, N., & Baba, M. (2023). Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech. Information Systems Journal, 33(1), 154-184. https://doi.org/10.1111/isj.12403 Sirmon, D. G., Hitt, M. A., Ireland, R. D., & Gilbert, B. A. (2011). Resource orchestration to create competitive advantage: Breadth, depth, and life cycle effects. Journal of management, 37(5), 1390-1412. https://doi.org/10.1177/0149206310385695 Schreieck, M., Huang, Y., Kupfer, A., & Krcmar, H. (2024). The Effect of Digital Platform Strategies on Firm Value in the Banking Industry. Journal of Management Information Systems, 41(2), 394-421. https://doi.org/10.1080/07421222.2024.2340825 Suzuki, J., & Kodama, F. (2004). Technological diversity of persistent innovators in Japan: Two case studies of large Japanese firms. Research policy, 33(3), 531-549. https://doi.org/10.1016/j.respol.2003.10.005 Sabherwal, R., & Sabherwal, S. (2007). How do knowledge management announcements affect firm value? A study of firms pursuing different business strategies. IEEE Transactions on Engineering Management, 54(3), 409-422. https://doi.org/10.1109/TEM.2007.900785 Sabherwal, R., Sabherwal, S., Havakhor, T., & Steelman, Z. (2019). How does strategic alignment affect firm performance? The roles of information technology investment and environmental uncertainty. MIS quarterly, 43(2), 453-474. https://www.jstor.org/stable/26847872 Teece, D. J., Pisano, G., & Shuen, A. (1997). Dynamic capabilities and strategic management. Strategic management journal, 18(7), 509-533. https://doi.org/10.1002/(SICI)1097-0266(199708)18:7<509::AID-SMJ882>3.0.CO;2-Z Wang, G., Chen, G., Zhao, H., Zhang, F., Yang, S., & Lu, T. (2021). Leveraging Multisource Heterogeneous Data for Financial Risk Prediction: A Novel Hybrid-Strategy-Based Self-Adaptive Method. MIS Quarterly, 45(4), 1949-1998. https://doi.org/10.25300/MISQ/2021/16118 Yang, Y., Qin, Y., Fan, Y., & Zhang, Z. (2023). Unlocking the Power of Voice for Financial Risk Prediction: A Theory-Driven Deep Learning Design Approach. Mis Quarterly, 47(1), 63-96. https://doi.org/10.25300/MISQ/2022/17062 Zhu, K., Malhotra, S., & Li, Y. (2022). Technological diversity of patent applications and decision pendency. Research Policy, 51(1), 104364. https://doi.org/10.1016/j.respol.2021.104364
描述 碩士
國立政治大學
資訊管理學系
112356014
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0112356014
資料類型 thesis
dc.contributor.advisor 張欣綠zh_TW
dc.contributor.advisor Chang, Hsin-Luen_US
dc.contributor.author (Authors) 黃祺雯zh_TW
dc.contributor.author (Authors) Huang, Chi-Wenen_US
dc.creator (作者) 黃祺雯zh_TW
dc.creator (作者) Huang, Chi-Wenen_US
dc.date (日期) 2025en_US
dc.date.accessioned 4-Aug-2025 14:26:00 (UTC+8)-
dc.date.available 4-Aug-2025 14:26:00 (UTC+8)-
dc.date.issued (上傳時間) 4-Aug-2025 14:26:00 (UTC+8)-
dc.identifier (Other Identifiers) G0112356014en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/158570-
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) 112356014zh_TW
dc.description.abstract (摘要) 本研究透過專利分析探討金融科技創新多樣性對金融機構績效的影響。研究分析專利多樣性的三個維度：分離度(技術創新程度)、多樣性(技術應用領域)及差異性(使用技術差異)，並探討企業的經營策略(防禦者、分析者、探索者)如何調節這些關係。基於2012年至2024年的資料，研究旨在檢視專利多樣性各維度對金融機構績效的影響，以及其與不同策略的互動關係。研究結果有助於了解金融企業如何優化其技術創新組合，為正在進行數位轉型的金融產業提供重要的見解。zh_TW
dc.description.abstract (摘要) This study examines how diversity in FinTech innovation affects the performance of financial institutions through patent analysis. The research analyzes three dimensions of patent diversity: separation (technology novelty), variety (technology application), and disparity (enabling technology), while investigating how firms' strategic orientations (defender, analyzer, or prospector) moderate these relationships. Based on data from 2012 to 2024, the study examines the varying impacts of each dimension of patent diversity on firm performance and their interaction with different strategic orientations. The findings contribute to understanding how financial institutions can optimize their technological innovation portfolios, providing valuable insights for organizations navigating digital transformation.en_US
dc.description.tableofcontents CHAPTER 1. INTRODUCTION 8 CHAPTER 2. LITERATURE REVIEW 12 2.1 Fintech 12 2.2 Patent Diversity 16 2.3 Strategy - IT Alignment 24 CHAPTER 3. RESEARCH FRAMEWORK 27 3.1 Patent Separation - Technology Novelty 28 3.2 Patent Variety - Technology Application 29 3.3 Patent Disparity - Enabling Technology 30 3.4 The Moderating Effect of Defender Strategy on Patent Diversity 31 3.5 The Moderating Effect of Analyzer Strategy on Patent Diversity 32 3.6 The Moderating Effect of Prospector Strategy on Patent Diversity 33 CHAPTER 4. RESEARCH METHODOLOGY 35 4.1 Data Collection 35 4.2 Measurement 36 4.2.1 Dependent Variable: Financial Performance 36 4.2.2 Independent Variables: Patent Diversity Dimensions 36 4.2.3 Moderating Variable: Strategic Orientation 37 4.2.4 Control Variables 38 CHAPTER 5. DATA ANALYSIS 39 5.1 Main Effect Analysis Results 41 5.2 Moderating Effect Analysis 41 5.2.1 Moderating Effect of Defender Strategy 41 5.2.2 Moderating Effect of Analyzer Strategy 42 5.2.3 Moderating Effect of Prospector Strategy 43 5.3 Summary 44 CHAPTER 6. DISCUSSION 47 6.1 Revisiting Separation: Nonlinear Specification and Results 48 6.2 Interpreting the Curvilinear Effect of Separation 50 6.3 Implication 52 CHAPTER 7. CONCLUSION 54 REFERENCES 56zh_TW
dc.format.extent 846909 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0112356014en_US
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 金融科技創新zh_TW
dc.subject (關鍵詞) 專利多樣性zh_TW
dc.subject (關鍵詞) 財務績效zh_TW
dc.subject (關鍵詞) 策略導向zh_TW
dc.subject (關鍵詞) 策略配適zh_TW
dc.subject (關鍵詞) financial technologyen_US
dc.subject (關鍵詞) FinTech innovationen_US
dc.subject (關鍵詞) patent diversityen_US
dc.subject (關鍵詞) financial firm performanceen_US
dc.subject (關鍵詞) strategic orientationen_US
dc.subject (關鍵詞) strategic alignmenten_US
dc.title (題名) 以專利分析探討金融科技創新多樣性對金融機構績效的影響zh_TW
dc.title (題名) Diversity in Fintech Innovation: Exploring the Impact on Financial Firm Performance Through Patent Analysisen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Arnaboldi, F., & Claeys, P. (2014). Banks and patents in the US. In Innovation in financial services: A dual ambiguity. Cambridge Scholars Publishing. https://hdl.handle.net/2434/241389 Appio, F. P., De Luca, L. M., Morgan, R., & Martini, A. (2019). Patent portfolio diversity and firm profitability: A question of specialization or diversification?. Journal of Business Research, 101, 255-267. https://doi.org/10.1016/j.jbusres.2019.04.020 Barney, J. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1), 99-120. https://doi.org/10.1177/014920639101700108 Burgelman, R. A. (1991). Intraorganizational ecology of strategy making and organizational adaptation: Theory and field research. Organization science, 2(3), 239-262. https://doi.org/10.1287/orsc.2.3.239 Bos, J. W., Kolari, J. W., & van Lamoen, R. C. (2013). Competition and innovation: Evidence from financial services. Journal of Banking & Finance, 37(5), 1590-1601. https://doi.org/10.1016/j.jbankfin.2012.12.015 Bunderson, J. S., & Sutcliffe, K. M. (2002). Comparing alternative conceptualizations of functional diversity in management teams: Process and performance effects. Academy of management journal, 45(5), 875-893. https://doi.org/10.2307/3069319 Bell, S. T., Villado, A. J., Lukasik, M. A., Belau, L., & Briggs, A. L. (2011). Getting specific about demographic diversity variable and team performance relationships: A meta-analysis. Journal of management, 37(3), 709-743. https://doi.org/10.1177/0149206310365001 Caner, T., Bruyaka, O., & Prescott, J. E. (2018). Flow signals: Evidence from patent and alliance portfolios in the US biopharmaceutical industry. Journal of Management Studies, 55(2), 232-264. https://doi.org/10.1111/joms.12217 Craja, P., Kim, A., & Lessmann, S. (2020). Deep learning for detecting financial statement fraud. Decision Support Systems, 139, 113421. https://doi.org/10.1016/j.dss.2020.113421 Cohen, W. M., & Levinthal, D. A. (1990). Absorptive capacity: A new perspective on learning and innovation. Administrative science quarterly, 35(1), 128-152. https://doi.org/10.2307/2393553 Chuluun, T., Prevost, A., & Upadhyay, A. (2017). Firm network structure and innovation. Journal of Corporate Finance, 44, 193-214. https://doi.org/10.1016/j.jcorpfin.2017.03.009 Chen, M. A., Wu, Q., & Yang, B. (2019). How Valuable Is FinTech Innovation?. The Review of Financial Studies, 32(5), 2062–2106. https://doi.org/10.1093/rfs/hhy130 DeSarbo, W. S., Anthony Di Benedetto, C., Song, M., & Sinha, I. (2005). Revisiting the Miles and Snow strategic framework: uncovering interrelationships between strategic types, capabilities, environmental uncertainty, and firm performance. Strategic management journal, 26(1), 47-74. https://doi.org/10.1002/smj.431 Garcia-Vega, M. (2006). Does technological diversification promote innovation?: An empirical analysis for European firms. Research policy, 35(2), 230-246. https://doi.org/10.1016/j.respol.2005.09.006 Guo, Z., & Dan, M. A. (2023). Catching the Fast Payments Trend: Optimal Designs and Leadership Strategies of Retail Payment and Settlement Systems. MIS Quarterly, 47(2), 669-704. https://doi.org/10.25300/MISQ/2022/16776 Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87, 537-580. https://doi.org/10.1007/s11573-017-0852-x Harrison, D. A., & Klein, K. J. (2007). What's the difference? Diversity constructs as separation, variety, or disparity in organizations. Academy of Management Review, 32(4), 1199-1228. https://doi.org/10.5465/amr.2007.26586096 Huo, D., Motohashi, K., & Gong, H. (2019). Team diversity as dissimilarity and variety in organizational innovation. Research Policy, 48(6), 1564-1572. https://doi.org/10.1016/j.respol.2019.03.020 Henderson, J. C., & Venkatraman, H. (1999). Strategic alignment: Leveraging information technology for transforming organizations. IBM systems journal, 38(2.3), 472-484. https://doi.org/10.1147/SJ.1999.5387096 He, Z. L., & Wong, P. K. (2004). Exploration vs. exploitation: An empirical test of the ambidexterity hypothesis. Organization science, 15(4), 481-494. https://doi.org/10.1287/orsc.1040.0078 Junni, P., Sarala, R. M., Taras, V. A. S., & Tarba, S. Y. (2013). Organizational ambidexterity and performance: A meta-analysis. Academy of Management Perspectives, 27(4), 299-312. https://doi.org/10.5465/amp.2012.0015 KPMG. (2021). Pulse of Fintech H2'20. https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2021/02/pulse-of-fintech-h2-2020.pdf Lin, B. W., Chen, C. J., & Wu, H. L. (2006). Patent portfolio diversity, technology strategy, and firm value. 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