Observing The pathway of FinTech in Domestic Banks Base on The Core Business of Banks

• Main Authors: Chang, Tso-Wei, 張作維
• Other Authors: Yang, Chyan
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/bn649k

碩士 === 國立交通大學 === 管理學院經營管理學程 === 106 === Banking industry has evolved hundreds of years. Nowadays, banks lead as a decisive and irreplaceable role in international economy as well as business operation. However, with the thriving of Internet and Artificial Intelligence (AI), the traditional operation of banks encounters great challenges. According to this research, the development of financial technology (FinTech) in our country is far behind that of Asian countries. To further understand the development of FinTech in domestic banks, here list the main objectives of this research as below： 1. The origin and historical development of banks. 2. The core businesses of banks. 3. The impacts of FinTech toward domestic banks and its operation model. 4. The current status of domestic banks as well as its development. 5. The introduction of the latest operation model in international market. 6. Providing directions and suggestions to domestic banks in developing FinTech. By exploring the origin of banks, the development of Fin-tech, the core business in domestic banks and the latest FinTech applied in international market, we summarize the current status of FinTech development in domestic banks and provide directions and suggestions for future FinTech development in the conclusion. The conclusions of this research： 1. Domestic banks can put more emphasis on applying FinTech to its core businesses. 2. Technology companies and banks can collaborate and offset each other to create synergy as well as a win-win situation. 3. The government can loosen relative laws to create an optimum environment for developing FinTech. Keywords：FinTech, Banking industry, Banks, Bank 3.0, First-mover advantage.