近幾年來，全球積極地發展所謂的金融科技，而在這當中以金融服務為根本的銀行與具有科技技術的科技新創分別都在其中扮演著舉足輕重的角色，其對台灣在發展金融科技而言可說是缺一不可，也因此，彼此間的關係同時成為國內金融科技領域發展不可忽視的要點。其中對於與民眾息息相關的投資理財，國內眾多業者也紛紛投如「理財機器人」的自動化投資理財服務，故本研究會以理財機器人服務為研究標的，來探討銀行與科技新創在這當中的關係。
而隨著該領域快速地發展，對於這當中的現有銀行及科技新創，在學術上學者將其以金融科技及科技金融來定義，因此本研究會分別對「金融科技公司」與「科技金融公司」兩者的定義進行的描述，且透過文獻來了解理財機器人如何運用科技技術來執行投資服務，而相較於傳統，理財機器人在投資中能提供怎樣的價值。
本研究主要透過Pisano（1991）提出之生醫製藥研發的產業價值鏈為分析架構，並針對美國金管會提出的投資流程價值鏈以台灣的情況作調整後，透過比較個案研究的方法，從訪談中了解Ｒ銀行與Ｆ公司開發理財機器人如何運用至傳統投資服務，並比較雙方的服務在投資流程價值鏈上貢獻。
本研究發現Ｒ銀行及Ｆ公司在這當中可說是相輔相成的，Ｒ銀行主要希望透過技術來提高理專的價值；而Ｆ公司則是希望提高投資人的效率。在流程上，Ｒ銀行有大量的資訊，但缺乏適合的技術來分析計算；Ｆ公司具有關鍵技術，但缺乏能夠提供投資人運作的場景，雙方都需要第三方的合作。因此本研究從旁探討Teece（1986）提出的互補性資產在價值鏈中的重要性。
而國內銀行與科技新創在目前發展中會以相互合作的模式運作著，一方提供訊息一方提供技術與場景，在現今處於萌芽階段，台灣業者需要的是專業分工、合作擴大市場規模及場景。

In recent years, the world has actively developed financial technology. Banks with financial services as the foundation and startups with technology are playing a pivotal role. It is indispensable for Taiwan to develop financial technology. Therefore, the relationship between each other has become a key point in the development of domestic financial technology. Among them, for investment and wealth management closely related to the people, many domestic companies have also focus on automatic investment and wealth management services, such as “Robo-advisor”. Therefore, this research will focus on robo-advisor services. Explore the relationship between banking and technological innovation.
With the rapid development of the field, for banks and startups, academic scholars define it with “Fintech firms”and “Techfin firms”. Therefore, this research will describe the definitions of “Fintech” and “Techfin”. Through the literature to understand how robo-advisor use technology to implement investment services, and compared to traditional. What value can robo-advisors provide in investment?
This research mainly uses the value chain of biotechnology research and development proposed by Pisano (1991) as an analytical framework. And modify the investment process value chain proposed by the Finra according to the situation in Taiwan. We use the Comparative Case Study. From the interviews, we learned how Bank R and Company F developed robo-advisor combined with traditional investment services, and compared the contributions of both services in the investment process value chain.
This research found that Bank R and Company F can be said to complement each other. Bank R mainly hopes to increase the value of Financial Advisor through technology. The company F is hoping to improve the efficiency of investors in the process. R Bank has a lot of information, but lacks the right technology to analyze. Company F has key technologies but lacks an environment. Therefore, both parties need cooperation from third parties. This research explores the importance of complementary assets proposed by Teece (1986) in the value chain.
In the current situation in Taiwan, banks and startups will operate in a cooperative mode. One party provides information and one party provides technology and environment. Thereby expanding the market size.

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