A Study On Digital Finance and Visions Of Banking Industry

• Main Authors: I-Ju Chen, 陳怡如
• Other Authors: Tsai-Lien Yeh
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/78273042726465102639

碩士 === 銘傳大學 === 財務金融學系碩士在職專班 === 103 === The domestic financial market has liberalized, internationalized, securitized and computerized. The financial environment is becoming increasingly complicated.With the development and application ofup-to-date finance-related information and technology, banking management has changed.In this highly competitive environment, only banks whichare able to grasp the trend and use the latest information technology can obtain a competitive advantage. They thusachieve the desired performance and profits through their exclusive products and services and customer-oriented diversion. With the rise of the Internet and e-commerce, in terms of bank developing, electronic banking, corporate banking, online banking, gradually use advanced information and technology equipment to replace traditional bank cashier’s basic business services. This isa win-win situationof convenience and cost savings. In recent years, due to the change of mass consumption habits, online shopping has become mainstream.Online transactions via a third-party result in a new business, such as fund sales, P2P and network loan. Banks should play an active role in this cash flow. The study tried to get into froma management perspective andfound that in this digital financial generation, the banking industry should develop the spirit of occasionally-forced management which consists ofoccasion, opportunity, wisdom, vision. With the innovation of information technology, if one looks for chances of successthrough bank transition ( BANK 3.0).It is recommended that one can begin from different industry alliances, cash flowand customized service. One can thus owncross-industry, cross-border, cross-real and virtualabilities so as to avoid being engulfed by the flood of the digital age.