金融數位化對銀行業財富管理業務的影響及探討-以Y銀行為例
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2020
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Brett King提出「未來銀行不再是一個地方，而是一種行為」。現今，金融監督管理委員會積極推動「數位化金融3.0」計劃，以因應現今人們大量使用物聯網、社群、Internet bank及行動支付，未來數位能力將是金融業的核心競爭力。
台灣金融業過去的主要獲利來源為利息淨收入，近年來存、放款利差漸縮小，銀行紛紛轉向財富管理業務，以拓展收入來源，財富管理業務已為為各家銀行必爭之地。銀行近年來靠著提供新創服務、多元化的活動及商品，在財管業務交出「獲利及業績」的亮麗表現。在金控的架構下，銀行可以跨產業交叉行銷，這也使得銀行提供的服務及商品更多樣化，能夠提供消費者一次購足所有金融商品的便利性，國內財管市場也因此發展的更迅速。面對數位金融、金融科技及互聯網的競爭下，各銀行若要在Bank 3.0的時代確保競爭優勢，一定要更加積極提升及調整。
本論文採取質性研究方式，選擇在台灣數位金融財富管理獲得肯定之個案銀行（以下簡稱Ｙ銀行）進行研究，訪談個案銀行高階經理人，分析個案銀行在面臨數位金融浪潮下，金融數位化對銀行業財管業務所產生的影響及可能面臨的機會與挑戰。
Brett King mentioned that "Banking Is No Longer Somewhere You Go But Something You Do" in Bank 3.0. Nowadays, the Financial Supervisory Commission is actively promoting the "FinTech 3.0" plan to cope with the large number of people using the Internet of Things (IoT), the social medias, online banking and mobile payments today. The FinTech capabilities will be the core competitiveness of the financial industry very soon. In the past, the main profit for Taiwan ’s financial industry was net interest income. However, the revenue gap between deposits and loans has gradually narrowed recently. Banks aimed their business to wealth management to expand their profits. The wealth management business grows and has become a competitive market to all the banks. Banks have created an outstanding profit and performance by provision of innovative services, diversified promotion activities and commodities in the past of years. The domestic financial market has developed by cross-sell and provide various of services and commodities. This is to providing consumers with the convenience one stop shopping services under huge financial holding companies. To ensure their competitive advantage in the Bank 3.0 era, banks must upgrade themselves actively while facing the challenges from digital banking, FinTech and the IoT. This study adopts a qualitative research approach, selected case (referred to as Y Banks) which has been recognized in the field of digital wealth management in Taiwan. The study analysis impacts of FinTech to wealth management business and the opportunities and challenges to the case when innovation of digitalization comes.
Brett King mentioned that "Banking Is No Longer Somewhere You Go But Something You Do" in Bank 3.0. Nowadays, the Financial Supervisory Commission is actively promoting the "FinTech 3.0" plan to cope with the large number of people using the Internet of Things (IoT), the social medias, online banking and mobile payments today. The FinTech capabilities will be the core competitiveness of the financial industry very soon. In the past, the main profit for Taiwan ’s financial industry was net interest income. However, the revenue gap between deposits and loans has gradually narrowed recently. Banks aimed their business to wealth management to expand their profits. The wealth management business grows and has become a competitive market to all the banks. Banks have created an outstanding profit and performance by provision of innovative services, diversified promotion activities and commodities in the past of years. The domestic financial market has developed by cross-sell and provide various of services and commodities. This is to providing consumers with the convenience one stop shopping services under huge financial holding companies. To ensure their competitive advantage in the Bank 3.0 era, banks must upgrade themselves actively while facing the challenges from digital banking, FinTech and the IoT. This study adopts a qualitative research approach, selected case (referred to as Y Banks) which has been recognized in the field of digital wealth management in Taiwan. The study analysis impacts of FinTech to wealth management business and the opportunities and challenges to the case when innovation of digitalization comes.
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數位金融, 財富管理, Bank 3.0, FinTech, Wealth management, Bank 3.0