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題名 金融科技浪潮下：本國銀行、金融科技公司與SWIFT在跨境匯款業務的競合關係
Co-opetition among Domestic Banks, FinTech Firms, and SWIFT in Cross-border Remittance Services under the FinTech Revolution
作者 何品逸
Ho, Pin-Yi
貢獻者 郭維裕
Kuo, Wei-Yu
何品逸
Ho, Pin-Yi
關鍵詞 金融科技
跨境匯款
SWIFT
競合關係
商業生態系統
FinTech
Cross-border Remittance
SWIFT
Co-opetition
Business Ecosystem
日期 2026
上傳時間 2-Feb-2026 12:13:34 (UTC+8)
摘要 本研究旨在探討金融科技浪潮下，傳統銀行、金融科技公司與 SWIFT 在跨境匯款市場中的互動關係，並以「競合關係（Co-opetition）」與「商業生態系統（Business Ecosystem）」為理論基礎，分析三者如何在競爭與合作之間尋求平衡，重塑跨境匯款的生態結構。研究採用單一個案研究法，以台灣 T 銀行為研究對象，透過深度訪談蒐集第一線資料，結合理論與實務觀察，剖析金融科技創新對傳統跨境匯款業務之影響與啟示。 研究結果指出，跨境匯款市場的變革並非單純的顛覆，而是一場生態重組的過程。SWIFT 逐步轉型為生態系統中的「協調者」，銀行則憑藉信任與合規優勢成為「資金守門人」與「服務整合者」，而金融科技業者則以靈活創新扮演「催化劑」角色，共同推動市場效率與透明度提升。訪談亦顯示，監管強度與市場飽和度是影響競合關係演變的關鍵因素。對銀行而言，未來的競爭力將取決於是否能有效整合外部創新能量，發展合作夥伴生態系；對監理機構而言，如何兼顧創新推動與風險控管，將成為政策設計的核心課題。 本研究的理論貢獻在於，將競合理論應用於受高度監管的金融市場，並提出監管環境對競合模式的關鍵影響。實務上，建議本國銀行應轉型為服務整合者，鞏固合規壁壘，並透過策略合作，在生態系統中保持競爭優勢。
This study explores the interactions among traditional banks, FinTech firms, and SWIFT within the cross-border remittance market under the wave of financial technology (FinTech) transformation. Drawing upon the theoretical frameworks of Co-opetition and Business Ecosystem, this research examines how these three players seek a balance between competition and cooperation, reshaping the structure of the cross-border payment ecosystem. Adopting a single-case study methodology, this study takes a Taiwanese commercial bank—referred to as T Bank—as the focal case. Through in-depth interviews, it collects first-hand insights from industry practitioners and integrates theoretical analysis with empirical observations to investigate the implications of FinTech innovations for traditional remittance operations. The findings reveal that the transformation of the cross-border remittance market is not a simple disruption but a process of ecosystemic reorganization. SWIFT is evolving into a coordinator within the ecosystem; banks, leveraging their trust and regulatory advantages, act as gatekeepers of capital and service integrators; while FinTech firms serve as catalysts driving efficiency and transparency. The interviews also indicate that regulatory intensity and market saturation are key factors influencing the evolution of co-opetitive relationships. For banks, future competitiveness will depend on their ability to integrate external innovation capabilities and develop partnership ecosystems. For regulators, the challenge lies in balancing innovation promotion with risk control when designing financial policies. Theoretically, this study contributes by applying co-opetition theory to a highly regulated financial market and highlighting the regulatory environment’s pivotal influence on co-opetitive dynamics. From a practical perspective, it suggests that domestic banks should transform into service integrators, strengthen compliance advantages, and leverage strategic collaborations to maintain competitiveness within the evolving financial ecosystem.
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W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm? (University of Hong Kong Faculty of Law Research Paper No. 2015/047). Bank for International Settlements & Committee on Payments and Market Infrastructures. (2022). Interlinking payment systems and the role of application programming interfaces: a framework for cross-border payments (CPMI Papers No. 205). Bank for International Settlements & World Bank. (2023). Making cross-border remittances work for financial inclusion. Retrieved from https://www.bis.org/fsi/publ/insights43.pdf Bank for International Settlements. (2021). Annual Economic Report 2021: Chapter III. Bank for International Settlements. (2022). Annual Economic Report 2022. Retrieved from https://www.bis.org/publ/arpdf/ar2022e.htm Bank for International Settlements. (2022). Promoting the harmonisation of APIs to enhance cross-border payments. Bank for International Settlements. (2023). DLT-Based Enhancement of Cross-Border Payment Efficiency. Bank of England. (n.d.). Cross-border payments. Retrieved from https://www.bankofengland.co.uk/payment-and-settlement/cross-border-payments Blockchain.com. (n.d.). Ripple explained. Retrieved July 9, 2025, from https://www.blockchain.com/learning-portal/tokens/ripple-explained BNP Paribas. (2019, November 20). Treasury Essentials: SWIFT's KYC Registry in 60 seconds. Retrieved from https://cashmanagement.bnpparibas.com/our-solutions/trends-vision/treasury-essentials-swifts-kyc-registry-60-seconds Brandenburger, A. M., & Nalebuff, B. J.（2020）。競合策略：商業運作的真實力量（黃婉華與馮勃翰譯）。台北市：商業周刊出版。（原著出版於 1996 年） Brinkmann, S., & Kvale, S. (2015). InterViews: Learning the craft of qualitative research interviewing (3rd ed.). Thousand Oaks, CA: Sage. Citi. (2023, September). Future of cross-border payments: Who will be moving $250 trillion in the next five years? (Citi GPS). Cong, L., Campello, M., & Dietrich, D. (2024). Regulatory Uncertainty and FinTech Innovation (FEB-RN Research Paper No. 15/2024). ECOS. (n.d.). What is RippleNet? Understanding its impact on global payments, blockchain and financial systems. Retrieved July 9, 2025, from https://ecos.am/en/blog/what-is-ripplenet-understanding-its-impact-on-global-payments-blockchain-and-financial-systems/ FXC Intelligence. (January 16, 2025). Value of total cross-border payments market worldwide in 2024, with a forecast for 2032 (in trillion U.S. dollars) [Graph]. In Statista. Retrieved January 25, 2026, from https://www.statista.com/statistics/1385187/cross-border-payments-value-worldwide-by-segment/ Financial Stability Board (FSB). (2020). Enhancing Cross-border Payments Stage 1 report to the G20. Retrieved from https://www.fsb.org/uploads/P090420-2.pdf Financial Stability Board (FSB). (2023). Enhancing cross-border payments: Building blocks of a global roadmap – Technical background report. Retrieved from https://www.fsb.org/wp-content/uploads/P090420-1.pdf Financial Stability Board (FSB). (2024). G20 Roadmap for Enhancing Cross-border Payments Consolidated progress report for 2024. FST. (2024). SWIFT launches instant AML & fraud check service, enabling round-the-clock validation. Retrieved from https://fst.net.au/financial-services-news/swift-launches-aml-fraud-check-service-enabling-round-the-clock-validation/ Fulco, M. (2019, December). Developing a fintech niche. The Taiwan Banker, (120). Retrieved from https://service.tabf.org.tw/TTB/Article/DetailEn?aID=351 Hong Kong Monetary Authority (HKMA). (2023). e-HKD Pilot Programme Phase 1 Report. Retrieved from https://www.hkma.gov.hk/media/eng/doc/key-information/press-release/2023/20231030e3a1.pdf Hornuf, L., Klus, M. F., Lohwasser, T. S., & Schwienbacher, A. (2021). How do banks interact with fintech startups? Small Business Economics, 57(3), 1505-1526. HSBC. (2025). ISO 20022 - The new language of payments. Retrieved from https://www.gbm.hsbc.com/en-gb/campaigns/iso20022 IBM. (2024, July). Cost of a Data Breach 2024. Retrieved from https://www.ibm.com/reports/data-breach International Fund for Agricultural Development. (2024). Promoting financial inclusion through digitalization of remittances. (Global Partnership for Financial Inclusion). International Monetary Fund & World Bank. (2023). IMF and World Bank approach to cross-border payments technical assistance (Policy Paper No. PPEA2023062). International Monetary Fund. (2020). The Cost of Remittances: Evidence from the Global Remittances Database. Retrieved from https://www.imf.org/en/Publications/WP/Issues/2020/09/25/The-Cost-of-Remittances-Evidence-from-the-Global-Remittances-Database-49787 International Monetary Fund. (2023). Estimating the Impact of CBDCs on Cross-Border Flows: Scenario Analysis Covering the Intensive Margin (IMF FinTech Notes). International Monetary Fund. (2025). Estimating the impact of digital money on cross-border flows: Scenario analysis covering the intensive margin (Fintech Note No. FTNEA/2025/002). Washington, DC: IMF. Kirby, P. (2025). How AI is transforming cross-border payments through compliance automation and processing efficiency. Medium. Kpodar, K., & Imam, P. A. (2022). How do transaction costs influence remittances? (IMF Working Paper, WP/22/218). KPMG Taiwan. (2024). 2024 臺灣銀行業報告。上網日期：2026年1月23日，檢自：https://assets.kpmg.com/content/dam/kpmg/tw/pdf/2024/07/taiwan-banking-report-2024.pdf KPMG. (2025). 2025 臺灣銀行業報告。上網日期：2026年1月23日，檢自：https://kpmg.com/tw/zh/home/insights/2025/07/taiwan-banking-report-2025.html Liu, Y., & Fernando, F. (2020). Pressures on correspondent banking: Impact, drivers, and responses. In Law & Financial Stability (Chapter 16, pp. 263–268). Washington, DC: International Monetary Fund. McKinsey & Company. (2023). The 2023 McKinsey Global Payments Report: On the cusp of the next payments era. (McKinsey Global Banking Practice). McKinsey & Company. (2023). How banks can win back lower-value cross-border payments business. Retrieved July 9, 2025, from https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters/how-banks-can-win-back-lower-value-cross-border-payments-business Metibemu, O. C. (2025). Financial risk management in digital-only banks: Addressing fraud and cybersecurity threats in a cashless economy. Asian Journal of Research in Computer Science, 18(3), 434-455. Moore, J. F. (1993). Predators and prey: A new ecology of competition. Harvard Business Review, 71(3), 75–86. Nakamoto, S. (2008). Bitcoin: A Peer-to-Peer Electronic Cash System. Retrieved from https://bitcoin.org/bitcoin.pdf Nilsson, T., Bouther, R., Van Acoleyen, M., & Cohen, L. (2022, February 8). SWIFT gpi data indicate drivers of fast cross-border payments. Bank for International Settlements. Nium. (n.d.). Nium API developer documentation. Retrieved July 9, 2025, from https://mpdocs.nium.com/ Oliver Wyman, & J.P. Morgan. (2021). Unlocking $120 billion value in cross-border payments: How banks can leverage central bank digital currencies for corporates. Rahman, M., Liu, X., & Tien, Y. (2024). Regulations and fintech: A comparative study. Journal of Risk and Financial Management, 17(8), 324. Shan, J., & Lin, Y. (2024, April 15). From follower to leader: Taiwan’s financial sector accelerates digital transformation. IMD Finance. Retrieved from https://www.imd.org/beta-ibyimd/finance/from-follower-to-leader-taiwans-financial-sector-accelerates-digital-transformation/ SWIFT, & Citi. (2018). SWIFT gpi: Towards frictionless cross-border payments [White paper]. SWIFT SCRL. SWIFT, & EuroFinance. (2017, October 4). The future of payments: a corporate treasury perspective [Survey report]. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (n.d.). About SWIFT. Retrieved from https://www.swift.com/about-us SWIFT. (n.d.). Swift FIN Traffic & Figures. Retrieved from https://www.swift.com/about-us/discover-swift/fin-traffic-figures SWIFT. (n.d.). Swift history. Retrieved from https://www.swift.com/about-us/history SWIFT. (n.d.). Transaction Screening. Retrieved from https://www.swift.com/risk-and-compliance SWIFT. (2023, March). Swift gpi newsflash Q1 2023 [Newsletter]. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (2023, June 6). Swift explores blockchain interoperability to remove friction from tokenised asset settlement [Press release]. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (2023, August 31). Swift unlocks potential of tokenisation with successful blockchain experiments [Press release]. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (2023). Small payments. Big opportunity. SWIFT. (2023). SWIFT Annual Review 2023. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (2023). SWIFT gpi: The standard in global payments. Retrieved from https://www.swift.com/our-solutions/swift-gpi SWIFT. (2024, March). Connecting digital islands: Swift CBDC sandbox project – Phase 2 results report. Society for Worldwide Interbank Financial Telecommunication. SWIFT. (2024, November 14). Risk and compliance. Retrieved from https://www.swift.com/risk-and-compliance SWIFT. (2025, August 14). ISO 20022 for Financial Institutions: Focus on payments instructions. Retrieved from https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions SWIFT. (2025b). Availability statistics. Retrieved from https://www.swift.com/myswift/availability-statistics Tansley, A. G. (1935). The use and abuse of vegetational terms and concepts. Ecology, 16(3), 284–307. The Business Research Company. (2024). Remittance global market report 2024 – market size, trends, and global forecast 2024–2033. The Financial Technology Report. (2024, March 15). Nium integrates with SWIFT for real-time cross-border payments. Retrieved July 9, 2025, from https://thefinancialtechnologyreport.com/nium-integrates-with-swift-for-real-time-cross-border-payments/ Trust Wallet. (n.d.). XRP vs XLM: Deep dive into cross-border payments. Retrieved July 9, 2025, from https://trustwallet.com/blog/defi/xrp-vs-xlm-deep-dive-into-cross-border-payments/ Wise. (n.d.). How can I convert money. Retrieved from https://wise.com/help/articles/2596980/how-can-i-convert-money World Bank. (2023). Remittance Prices Worldwide Quarterly (Issue 45). Retrieved from https://remittanceprices.worldbank.org/sites/default/files/rpw_main_report_and_annex_q123.pdf World Economic Forum (WEF). (2020). The Future of Financial Infrastructure: An Ambitious Look at How Blockchain Can Reshape Financial Services. Yin, R. K. (2018). Case study research and applications: Design and methods (6th ed.). Thousand Oaks, CA: Sage.
描述 碩士
國立政治大學
國際金融碩士學位學程
113ZB1008
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0113ZB1008
資料類型 thesis
dc.contributor.advisor 郭維裕zh_TW
dc.contributor.advisor Kuo, Wei-Yuen_US
dc.contributor.author (Authors) 何品逸zh_TW
dc.contributor.author (Authors) Ho, Pin-Yien_US
dc.creator (作者) 何品逸zh_TW
dc.creator (作者) Ho, Pin-Yien_US
dc.date (日期) 2026en_US
dc.date.accessioned 2-Feb-2026 12:13:34 (UTC+8)-
dc.date.available 2-Feb-2026 12:13:34 (UTC+8)-
dc.date.issued (上傳時間) 2-Feb-2026 12:13:34 (UTC+8)-
dc.identifier (Other Identifiers) G0113ZB1008en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/161366-
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) 113ZB1008zh_TW
dc.description.abstract (摘要) 本研究旨在探討金融科技浪潮下，傳統銀行、金融科技公司與 SWIFT 在跨境匯款市場中的互動關係，並以「競合關係（Co-opetition）」與「商業生態系統（Business Ecosystem）」為理論基礎，分析三者如何在競爭與合作之間尋求平衡，重塑跨境匯款的生態結構。研究採用單一個案研究法，以台灣 T 銀行為研究對象，透過深度訪談蒐集第一線資料，結合理論與實務觀察，剖析金融科技創新對傳統跨境匯款業務之影響與啟示。 研究結果指出，跨境匯款市場的變革並非單純的顛覆，而是一場生態重組的過程。SWIFT 逐步轉型為生態系統中的「協調者」，銀行則憑藉信任與合規優勢成為「資金守門人」與「服務整合者」，而金融科技業者則以靈活創新扮演「催化劑」角色，共同推動市場效率與透明度提升。訪談亦顯示，監管強度與市場飽和度是影響競合關係演變的關鍵因素。對銀行而言，未來的競爭力將取決於是否能有效整合外部創新能量，發展合作夥伴生態系；對監理機構而言，如何兼顧創新推動與風險控管，將成為政策設計的核心課題。 本研究的理論貢獻在於，將競合理論應用於受高度監管的金融市場，並提出監管環境對競合模式的關鍵影響。實務上，建議本國銀行應轉型為服務整合者，鞏固合規壁壘，並透過策略合作，在生態系統中保持競爭優勢。zh_TW
dc.description.abstract (摘要) This study explores the interactions among traditional banks, FinTech firms, and SWIFT within the cross-border remittance market under the wave of financial technology (FinTech) transformation. Drawing upon the theoretical frameworks of Co-opetition and Business Ecosystem, this research examines how these three players seek a balance between competition and cooperation, reshaping the structure of the cross-border payment ecosystem. Adopting a single-case study methodology, this study takes a Taiwanese commercial bank—referred to as T Bank—as the focal case. Through in-depth interviews, it collects first-hand insights from industry practitioners and integrates theoretical analysis with empirical observations to investigate the implications of FinTech innovations for traditional remittance operations. The findings reveal that the transformation of the cross-border remittance market is not a simple disruption but a process of ecosystemic reorganization. SWIFT is evolving into a coordinator within the ecosystem; banks, leveraging their trust and regulatory advantages, act as gatekeepers of capital and service integrators; while FinTech firms serve as catalysts driving efficiency and transparency. The interviews also indicate that regulatory intensity and market saturation are key factors influencing the evolution of co-opetitive relationships. For banks, future competitiveness will depend on their ability to integrate external innovation capabilities and develop partnership ecosystems. For regulators, the challenge lies in balancing innovation promotion with risk control when designing financial policies. Theoretically, this study contributes by applying co-opetition theory to a highly regulated financial market and highlighting the regulatory environment’s pivotal influence on co-opetitive dynamics. From a practical perspective, it suggests that domestic banks should transform into service integrators, strengthen compliance advantages, and leverage strategic collaborations to maintain competitiveness within the evolving financial ecosystem.en_US
dc.description.tableofcontents 謝辭 2 中文摘要 3 英文摘要 4 目次 5 表次 7 圖次 8 第一章 緒論 9 第一節 問題背景 9 第二節 問題形成 10 第三節 研究動機 11 第四節 研究方法 12 第二章 文獻回顧 14 第一節 跨境匯款的定義、傳統模式與流程 14 第二節 金融科技在跨境匯款的發展與應用 18 第三節 SWIFT的演進與其在跨境匯款中所扮演的角色 21 第四節 本國（台灣）銀行在跨境匯款中的角色與挑戰 24 第五節 競合關係（CO-OPETITION）理論與生態系統理論 26 第三章 金融科技對跨境匯款的影響與創新模式 29 第一節 新興金融科技匯款模式的類型與特點 29 第二節 金融科技如何提升匯款效率與降低成本 34 第三節 金融科技帶來的挑戰與風險 38 第四章 SWIFT面對金融科技投入跨境匯款的競爭與新型態支付技術的挑戰 41 第一節 SWIFT GPI 所帶來的創新 41 第二節 SWIFT 對於新興技術（區塊鏈、CBDC）的探索與合作 45 第三節 SWIFT 維持其生態系統核心地位的挑戰與優勢 48 第五章 質性研究發現：Ｔ銀行從業人員對跨境匯款市場競合關係之觀點分析 53 第一節 本國銀行現有的跨境匯款服務與市場現況 53 第二節 訪談對象與大綱 55 第三節 訪談結果 58 第四節 訪談結果分析 64 第六章 結論 73 第一節 研究總結 73 第二節 學術與實務政策啟發 76 第三節 研究限制與未來延伸 77 參考文獻 79zh_TW
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0113ZB1008en_US
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 跨境匯款zh_TW
dc.subject (關鍵詞) SWIFTzh_TW
dc.subject (關鍵詞) 競合關係zh_TW
dc.subject (關鍵詞) 商業生態系統zh_TW
dc.subject (關鍵詞) FinTechen_US
dc.subject (關鍵詞) Cross-border Remittanceen_US
dc.subject (關鍵詞) SWIFTen_US
dc.subject (關鍵詞) Co-opetitionen_US
dc.subject (關鍵詞) Business Ecosystemen_US
dc.title (題名) 金融科技浪潮下：本國銀行、金融科技公司與SWIFT在跨境匯款業務的競合關係zh_TW
dc.title (題名) Co-opetition among Domestic Banks, FinTech Firms, and SWIFT in Cross-border Remittance Services under the FinTech Revolutionen_US
dc.type (資料類型) thesisen_US
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