| Summary: | 碩士 === 國立中山大學 === 管理學院高階經營碩士學程在職專班 === 107 === This study applied the diffusion of innovation theory to explore the impact and opportunities of financial technology innovation on banking industry. The historical data with regrad to the innovative product design, operation process, customer service, and business models of the targeting company are also collected and analysed to obtain the supporting evidence. Moreover, the research explores the possibility of cross-border alliance between financial institutes and IT companies in order to offer insights for commercial banks to make financial innovation decisions as well.
Based on the in-depth interview and secondary data analyses, the research finds and summarizes the risks and pressures, brought by the FinTech, faced by the traditional banks. Research findings, conversely, also reveal the co-opetition opportunities between banks and IT companies. The results obtained in this study will provide significant implications for advancing banks’ FinTech mindset and execution. Limitations and future directions are discussed as well.
Keywords: financial technology, diffusion of innovation theory, cross-border cooperation, coopetition
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