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研究生： 劉芯蕊
Liu, Michelle
論文名稱： 全球市場數位銀行轉型策略回應之研究
Research on the Strategic Responses to the Digital Banking Transformation in the Global Market
指導教授： 李傳楷
Lee, Chuan-Kai
口試委員: 陳寶蓮
Chen, Bao-Lian
陳寶蓮
Chen, Bao-Lian
學位類別： 碩士
Master
系所名稱： 科技管理學院 - 國際專業管理碩士班
International Master of Business Administration(IMBA)
論文出版年： 2019
畢業學年度： 107
語文別： 英文
論文頁數： 32
中文關鍵詞： 數位銀行 、數位變革 、開放銀行 、應用編程介面 、策略回應
外文關鍵詞： Digital banking, Digital disruption, Open Banking, APIs, Strategy Response
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    ABSTRACT
    The technology development in the Financial Technology (“FinTech”) triggers the technology innovation and digital disruption in the financial services sector, particularly in the banking industry. New business models, products and services are becoming prevalent, and the global banking landscape has been significantly transformed. Besides, an increasing number of FinTech companies and startups have offered customers a wide range of financial services that were once almost exclusively dominated by the banks. The future of banking is full of opportunities and challenges.
    This qualitative research and comparative case study have been conducted to figure out how digital disruption and technology innovation is reshaping the way that financial services are constructed and to analyze how global outstanding digital banks respond to the digital transformation strategically. Based on the P.E.S.T. model, three technological critical success factors have been chosen to identify different types of transformation strategy in the banking industry. The P.E.S.T. model has been building around the different macro-environment in the three countries (the US, Singapore, and China). The results of this paper show that except the macro environment backgrounds, the technology developments in mobile networking, social platforms, and data analytics on the cloud played as the driving forces which significantly determine strategy success. Further, the research provides critical thinking on how open banking platform with APIs will help incumbents to attract and retain customers, especially for the increasingly digitally savvy customers by integrating data-sharing and seamlessly connection.
    Key words: Digital banking, Digital disruption, Open banking, APIs, Strategy response

    TABLE OF CONTENTS Chapter One Introduction 1 1.1Research Background 1 1.2 Motivation and questions 1 1.3 Research Methodology 2 Chapter Two Literature Review 3 2.1 The evolution of banking and challenges 3 2.2 Digital disruption in the banking industry 6 2.2.1 Three Critical Driving Factors 7 2.2.2 Opportunities and Challenges 9 2.3 API based Open banking 10 Chapter Three Methodology 12 Chapter Four Research Finding 14 4.1 The United States of America 14 4.2 Singapore 18 4.3 The People’s Republic of China 21 Chapter Five Discussion 23 5.1 Comparison of three Banks and Markets 24 5.2 The relationship between incumbent and new entrants 26 Chapter Six Conclusions and Limitations 28 References and Sources 30

    References and Sources

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