智能理財的崛起對傳統理財顧問的影響 Robo Advisors' Impact on Traditional Financial Advisors

Date
2020
Authors
鄭若彤
Cheng, Jo-Tung
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Abstract
金融業瞬息萬變,席捲全球的金融科技已全面影響金融產業的生態,隨著網路應用科技日新月異以及行動智慧裝置的普及,已經改變人們在投資、支付、金融服務的模式,在西元2008年在金融海嘯的背景下,投資人對金融業者失去信心與信任感,藉由非屬金融業科技的崛起、技術、雲端平台及數據分析等數位化趨勢,其創新程度亦對傳統金融業者產生巨大的影響。若不是高資產客戶,很難取得專業資產配置的建議和服務,近年來金融環境、投資環境多變,不過,隨著現今金融科技快速發展,尤其在智能投資領域,因為主管機關政策的開放,讓資產管理業者能夠以更普惠金融的方式,提供更專業的資產配置、動態調整投資組合的金融服務,讓一般投資大眾也可以享受與高資產客戶相同的專業尊榮服務,達到普惠金融之目的,但是否會被訴求較低成本、高品質的機器人理財取代未被滿足的市場進而為高淨值顧客服務並進而規劃投資組合?。由於自動化顧問「高效率、低成本」的特性,其發展潛力很高,預估到 2023年,全球自動化服務的資產管理規模可望達到 2.55 兆美元,顯示此商機龐大。 本研究主要探討傳統金融業該如何轉型?機器人理財的演進與發展過程並分析機器人理財的競爭優勢與發展機會,從業務模式、產品到轉型,金融業者如何在兼顧法規、消費者保護與的前提下,尋求數位的創新?自從爆發全球金融危機後已十多年,金融業持續感受到金融環境的監管並定期要求其修改其商業模式以符合相關法規規定。在這種監理環境下,數據取得的重要性已是金融業者承做財富管理的命脈,如欲維持其競爭力,必須有能力迅速去理解市場的風險並抓住改變機會,以在整體局勢中取得領先優勢。
The financial industry is changing rapidly. Due to the popularity of internet technology and smart devices, FINTECH has widely affected the financial industry . Because of those reasons, the way how people invest, pay and financial services also has been changed. According to financial crisis in 2008, most of investor lost their trusts and faith in financial industry. Some of non-financial technology, such as cloud platform, and data mining has been rised at the same time, their innovation also cause significant changes to traditional financial industry. Due to Robo-Advisor has high efficiency and low costs characteristic, it shows that which has a huge business opportunity and high potential. The asset of global automation service is going to reach two point fifty-five trillion dollars after 2023. Financial industry is changing rapidly, due to internet technology and smart devices has been popularized, FINTECH has affected the financial industry world widely. Because of those reasons, the way how people invest, pay and financial services also has been changed. According to financial crisis in 2008, most of investor lost their trusts and faith in financial industry. Some of non-financial technology, such as cloud platform, and data mining has been rised at the same time, their innovation also cause significant changes to traditional financial industry.
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Keywords
金融科技, 金融服務, 數位化, 傳統理財顧問, 機器人理財, Financial technology, Financial services, Digitalization, Traditional financial advisors, Robotic financial management
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