本研究聚焦於金融科技新創企業推出服務創新之觀點，探討三項研究問題：第一，企業如何建構生態系統實現服務創新？第二，人工智慧如何提升生態系統之價值？第三，企業運用哪些能力據以建構生態系統？本研究針對這些問題的研究發現，可填補過往文獻之不足。
本研究採取多重個案研究法，透過三個層次選擇以純網路銀行新創企業為研究對象，以及兩個層次設計多重個案研究內容，進行跨個案之分析、比較與歸納，提出本研究之研究發現及命題。
本研究發現金融科技新創企業服務創新之生態系統是透過六項流程所建構，包括：先洞察客戶需求與科技驅動能力後提出服務創新；依服務創新再整合需要之能力；善用已存在生態系統再催生出純網路銀行之生態系統；先採用利基策略再採用基石策略；先採取策略聯盟再形成生態系統；先建構個別服務層級生態系統再發展企業層級生態系統。本研究也發現生態系統建構涉及了七跨整合及三跨科技整合，即跨領域、跨產業、跨組織、跨部門、跨科技、跨服務及跨層級之七跨整合，以及跨營運科技、資訊科技及通訊科技之三跨科技整合。至於導入人工智慧應用於服務創新之生態系統建構流程，本研究發現人工智慧提供賦能、協作、取代與擴增等四項功能，顛覆了原有之服務流程及能力，並改變了服務創新之原有三跨科技組合及生態系統成員組合，創造了安全、可靠、效率及智慧等四項金融科技服務之核心價值。最後，本研究發現新創企業運用動態能力驅動創新、科技、整合、組織設計及流程等能力建構生態系統，且五項能力彼此會交互影響和不斷增強，所建構之生態系統，能持續推出服務創新，創造價值。
本研究發現有四項實務意涵：第一，新創企業之能力相對有限，也比較沒有組織結構慣性、資源僵化及流程僵化等問題，新創企業宜充分發揮其速度及彈性等特質，可參考生態系統建構之六項流程，推動服務創新；第二，新創企業宜充分認知生態系統建構之動態性及複雜性、科技驅動服務創新之普遍性，可參考七跨整合及三跨科技整合，逐一檢視需要之整合，據以建構生態系統，推動服務創新；第三，新創企業宜積極導入人工智慧應用，運用人工智慧重新架構服務流程及能力（包括原有三跨科技組合及生態系統成員組合），重新建構安全、可靠、效率及智慧之服務創新與價值創造；第四，新創企業可參考運用五項能力建構生態系統之實務，驅動服務創新，創造價值。
本研究發現具有四項理論意涵：第一，提出生態系統建構之六項流程論述；第二，提出生態系統建構之七跨整合及三跨科技整合論述；第三，提出人工智慧於生態系統之四項功能及四項價值創造論述；第四，提出運用五項能力建構生態系統之綜合觀點論述。

The research focuses on the perspectives of fintech startups in launching service innovations, exploring three research questions: First, how do companies form ecosystems to achieve service innovations? Second, how does artificial intelligence enhance the value of ecosystems? Third, what capabilities do companies utilize to form ecosystems? The findings of the research address these questions and fill in gaps in previous literature.
This study adopts a multiple case study approach, selecting an online banking startup as a research subject through three levels and designing multiple case studies across two levels. Drawing on the results of cross-case analysis, comparison, and summarization, this study provides the research findings and offers propositions for future research.
This study found that the ecosystem for service innovations in fintech startups is formed through six processes: first, understanding customer needs and technological capabilities to propose service innovations; second, integrating the necessary capabilities based on service innovations; third, leveraging existing ecosystems to create an online banking ecosystem; fourth, adopting a niche strategy followed by a cornerstone strategy; fifth, forming strategic alliances before the formation of an ecosystem; and sixth, building individual service-level ecosystems before developing an enterprise-level ecosystem. The study also found that ecosystem formation involves seven cross-integrations and three cross-technology integrations: the ecosystem formation for service innovations in fintech startups includes: cross-domain, cross-industry, cross-organization, cross-department, cross-technology, cross-service, cross-level and cross-operational technology, information technology, and communication technology. This study also found that the application of artificial intelligence (AI) to the ecosystem formation process of service innovations provides four functions: empowerment, collaboration, replacement, and augmentation. This disrupts existing service processes and capabilities and changes the original cross-technology combination and ecosystem member composition of service innovations, creating four core values of fintech services: security, reliability, efficiency, and intelligence. Finally, this study found that startups use dynamic capabilities to drive innovation capabilities, technology capabilities, integration capabilities, organizational design and processes capabilities to form ecosystems. These five capabilities interact and continuously strengthen each other, enabling the formed ecosystem to continuously launch service innovations and create value.
This study reveals four implications for practices: First, startups, with their relatively limited capabilities and fewer issues such as organizational inertia, resource rigidity, and process inflexibility, should fully leverage their speed and flexibility. They can refer to the six processes of ecosystem formation to drive service innovations. Second, startups should fully recognize the dynamic and complex nature of ecosystem formation and the universality of technology-driven service innovations. They can refer to seven-cross integration and three-cross technology integration, examining the necessary integrations one by one to form an ecosystem and drive service innovations. Third, startups should actively adopt artificial intelligence applications, using AI to restructure service processes and capabilities (including existing three-cross technology combinations and ecosystem member combinations), reconfiguring secure, reliable, efficient, and intelligent service innovations and value creation. Fourth, startups can refer to the practices of using five capabilities to form an ecosystem, driving service innovations and creating value.
This study reveals four theoretical implications: First, it proposes a six-step process for ecosystem formation; second, it proposes a seven-cross integration and a three-cross technological integration approach for ecosystem formation; third, it proposes four functions and four value creation aspects of artificial intelligence in ecosystems; and fourth, it proposes a comprehensive perspective on constructing ecosystems using five capabilities.

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永豐銀行（無日期），國銀首發永豐多幣簽帳金融卡暢行全球，永豐銀行官方網站新聞中心。擷取於 2026 年 2 月 22 日，https://bank.sinopac.com/sinopacbt/about/news-center/news/content/20210901.html
交通部觀光署（無日期），國人出國統計，交通部觀光署觀光統計資料庫。擷取於 2026 年 2月 23 日，https://stat.taiwan.net.tw
兆豐保險（2025），兆豐保險攜手將來銀行、中華電信 讓旅平險投保更便利，兆豐保險官方網站新聞稿，https://www.cki.com.tw/Article/Detail/123
李靜宜（2021），組織改造前先實現2大科技基礎，剖析玉山數位轉型戰略真正的關鍵，iThome新聞，https://www.ithome.com.tw/news/144020
李靚慧（2025），電信老將轉戰純網銀 郭水義︰將來銀拚3年虧轉盈，自由時報，https://stock.ltn.com.tw/article/yvfxnuztdnhc
金融監督管理委員會（2018a），金融監督管理委員會赴日韓考察純網路銀行發展現況報告摘要，金融監督管理委員會官方網站〉公告資訊〉重大政策〉純網路銀行專區。擷取於2026 年 4 月 3 日，https://www.fsc.gov.tw/websitedowndoc?file=chfsc/201807121348480.pdf&filedisplay=%E5%A0%B1%E5%91%8A%E6%91%98%E8%A6%811070712.pdf
金融監督管理委員會（2018b），開放純網路銀行設立之可行性研究，金融監督管理委員會官方網站〉公告資訊〉重大政策〉純網路銀行專區。擷取於 2026 年 4 月 3 日，https://www.fsc.gov.tw/websitedowndoc?file=chfsc/201807241704100.pdf&filedisplay=%E9%96%8B%E6%94%BE%E7%B4%94%E7%B6%B2%E8%B7%AF%E9%8A%80%E8%A1%8C%E8%A8%AD%E7%AB%8B%E4%B9%8B%E5%8F%AF%E8%A1%8C%E6%80%A7%E7%A0%94%E7%A9%B6-%E5%A0%B1%E5%91%8A%E6%91%98%E8%A6%81-0720.pdf
金融監督管理委員會（2018c），開放設立純網路銀行之政策說明，金融監督管理委員會官方網站〉公告資訊〉新聞稿。擷取於 2026 年 4 月 3 日，https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201804260002&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News
金融監督管理委員會（2019），金管會公布純網路銀行許可設立名單，金融監督管理委員會官方網站〉公開資訊〉新聞稿。擷取於 2026 年 4 月 3 日，https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201907300001&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News
金融監督管理委員會（2023），金融機構辦理快速身分識別機制安全控管作業指引，金融監督管理委員會官方網站〉政府資訊公開。擷取於 2026 年 7 月 9 日，https://www.fsc.gov.tw/websitedowndoc?file=chfsc/202304261346200.pdf&filedisplay=%E9%87%91%E8%9E%8D%E6%A9%9F%E6%A7%8B%E8%BE%A6%E7%90%86%E5%BF%AB%E9%80%9F%E8%BA%AB%E5%88%86%E8%AD%98%E5%88%A5%E6%A9%9F%E5%88%B6%E5%AE%89%E5%85%A8%E6%8E%A7%E7%AE%A1%E4%BD%9C%E6%A5%AD%E6%8C%87%E5%BC%95%E7%B8%BD%E8%AA%AA%E6%98%8E%E5%8F%8A%E9%80%90%E9%BB%9E%E8%AA%AA%E6%98%8E.pdf
林建甫（2025），去中心化支付浪潮重塑全球金融秩序 穩定幣的跨境金融革命：制度挑戰與區域契機，財金資訊季刊，第 115 期。擷取於 2026 年 2 月 2 日，https://www.fisc.com.tw/Download/115_01.pdf
星展銀行（無日期a），多幣簽帳金融卡全攻略，星展銀行台灣官方網站。擷取於 2026 年 2月 21 日，https://www.dbs.com.tw/personal-zh/deposits/what-is-debitcards
星展銀行（無日期b），星展銀行（台灣）簽帳金融卡全新亮相，星展銀行台灣官方網站。擷取於 2026 年 2 月 21 日，https://www.dbs.com/newsroom/20230711_DBS_Taiwan_debit_card_integration
財團法人人工智慧科技基金會（2023），玉山銀行：科技賦能首要前提，AI 模型的可信任是關鍵，財團法人人工智慧科技基金會知勢Know！EDGE觀點產業案例。擷取於 2025 年 7 月 11 日，https://edge.aif.tw/2023-aireport-esunbank/
國泰金融控股股份有限公司（2017），國泰金融控股股份有限公司105年年報，公開資訊觀測站。擷取於 2026 年 7 月 11 日，https://doc.twse.com.tw/pdf/2016_2882_20170616F04_20260711_140357.pdf
陳乃樞（2021），數位轉型三大模式，共構金融生態圈，財金資訊股份有限公司官方網站知識專區，財金資訊季刊第99期。擷取於 2025 年 8 月 17 日，https://www.fisc.com.tw/Upload/ec11fae2-91f9-405f-8ded-24949edfb833/TC/9907.pdf
將來銀行（無日期），開啟你的將來，將來銀行官方網站線上開戶。擷取於 2025 年 3 月 22日，https://www.nextbank.com.tw/app
將來銀行（無日期），常見問題 保險，將來銀行官方網站。擷取於 2026 年 2 月 3 日，https://www.nextbank.com.tw/faq/4fea1577f100000004f025f9c0a87032
將來銀行（2022a），將來銀行首創「帳號自由選」 開啟數位金融自主權新浪潮可選帳號組合近百億組 黃金號碼搶先挑，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 22 日，https://static.nextbank.com.tw/static/ofw/nextbank/bulletin/20220324162821756482.pdf?_gl=1*lb0dvv*_gcl_au*NTk0NzIxNDQzLjE3NDI2MjQ2MTc.
將來銀行（2022b），純網銀首家！將來銀行「將將保」端3大亮點 革新國人網路投保創新體驗 市場首見新商品及服務、投保流程 RPA、普惠金融 將來銀行網保暖心又有感，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 22 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news16
將來銀行（2022c），將來銀行股東生態圈再報喜！攜手全支付擴大服務場景，將來銀行官方網站新聞中心。擷取於 2026 年 5 月 28 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news10
將來銀行（2023a），將來銀行線上房貸強利搶市！前500名享三大神級優惠，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 22 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/NEWS23
將來銀行（2023b），將來銀行攜手泰安產險 全台首見網路投保車險「一鍵完成」，以創新有感升級金融服務體驗 將來銀行創新解決金融痛點，將來銀行官方網站新聞中心。擷取於2025 年 7 月 18 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/News25
將來銀行（2023c），北市房貸戶月均還5.2萬 新北、竹縣增5千 將來銀助你省房貸，將來銀行官方網站新聞中心。擷取於 2026 年 4 月 6 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news27
將來銀行（2024a），轉增貸幾乎0成本！將來銀行房貸即日起揮軍台中，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 22 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news40
將來銀行（2024b），將來銀行開辦財富管理業務 祭「0手續費、0信管費」超殺優惠，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 30 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news43
將來銀行（2024c），將來銀行攜手中華電信挺年輕人 好禮雙享價值高達4,100元，將來銀行官方網站新聞中心。擷取於 2025 年 7 月 20 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news50
將來銀行（2024d），將來銀行「阻詐行動網」以AI技術偵測可疑帳戶 打造金融安全生，將來銀行官方網站新聞中心。擷取於 2025 年 7 月 13 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news55
將來銀行（2024e），享0元手續及信管費超殺優惠 將來銀行財管開業首月客戶光速破萬 股市波動加劇 大批將將粉善用將來銀行交易成本0負擔 定期定額降低投資焦慮，將來銀行官方網站新聞中心。擷取於 2026 年 1 月 17 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/NEWS45
將來銀行（2024f），純網銀首家！將來銀行攜手元富證券 推證券「分戶帳」功能，將來銀行官方網站新聞中心。擷取於 2026 年 1 月 17 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news62
將來銀行（2024g），將來銀行主打「外匯3好」搶市 首家提供多種外幣純網銀登場，將來銀行官方網站新聞中心。擷取於 2026 年 2 月 3 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news68
將來銀行（2024h），將來銀行祭信貸開辦費 0 元 每 10 萬元超低月付 1133 元起，將來銀行官方網站新聞中心。擷取於 2026 年 5 月 21 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news63
將來銀行（2024i），首家支援「TWQR」純網銀 將來支付享超商最高 100% 回饋，將來銀行官方網站新聞中心。擷取於 2026 年 5 月 28 日，
https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news42
將來銀行（2025a），台幣進入匯強息低期 高收族瘋辦信貸 將來銀行推ＭyData，將來銀行官方網站新聞中心。擷取於 2025 年 7 月 11 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news84
將來銀行（2025b），將來銀行信貸升級三部曲「自動核貸」、四部曲「免視訊智慧對保」，將來銀行官方網站新聞中心。擷取於 2025 年 7 月 24 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news85
將來銀行（2025c），搶頭香！將來銀行攜手中華電信推APP一站申辦國際漫遊及旅平險，將來銀行官方網站新聞中心。擷取於 2025 年 3 月 22 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news70
將來銀行（2025d），純網銀首家！將來銀攜手票交所聯通十大券商出入金帳戶 投資金享活存1.5％「60倍利」 再抽台積電投資金，將來銀行官方網站新聞中心。擷取於 2026 年 1月 20 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news71
將來銀行（2025e），將來銀行上架境外基金 全線上申購境內外商品再享0手續費跨區域、多主題投資成主流 將來銀行攜手富達投信 提供最適投資解，將來銀行官方網站新聞中心。擷取於 2026 年 1 月 20 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news86
將來銀行（2025f），純網銀首發 將來銀行推美股碎股免千元投資方案 零碎化實踐普惠金融 創新「一站式」定期定額可天天投 人人皆有機會財務自由，將來銀行官方網站新聞中心。擷取於 2026 年 1 月 17 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news99
將來銀行（2026a），將來銀行 2025 年存、放款淨增額為前年 1.7 倍、1.5 倍，將來銀行官方網站新聞中心。擷取於 2026 年 2 月 8 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news102
將來銀行（2026b），將來銀行攜手羽球天后戴資穎　宣告「勇敢跨步」開啟將來，將來銀行官方網站新聞中心。擷取於 2026 年 3 月 28 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news107
將來銀行（2026c），將來商業銀行114年年報，公開資訊觀測站。擷取於 2026 年 5 月 21日，https://doc.twse.com.tw/pdf/2025_6039_20260527F04_20260521_144846.pdf
將來銀行（2026d），將來銀行邁入「信貸五部曲」 攜手中華電信推信用小白優惠方案，將來銀行官方網站新聞中心。擷取於 2026 年 5 月 21 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news106
將來銀行（2026e），將來銀行攜手摩根大通首創全數位小額「跨境匯入新臺幣快捷收款」，將來銀行官方網站新聞中心。擷取於 2026 年 7 月 1 日，https://www.nextbank.com.tw/announcement/4b262cbb0600000005db69481a78b4a4/news117
連線銀行（2024b），純網銀首家外匯指定銀行LINE Bank理財服務正式揭開序幕，連線銀行官方網站最新消息頁面，https://corp.linebank.com.tw/news/5ef42ee8-2de6-4482-99e2-f2332f0c787d
項家麟（2025），星展創新解方！解決企業與個人跨境支付痛點，經濟日報，https://money.udn.com/money/story/5636/8952239
匯豐銀行（無日期），匯豐環球Visa金融卡，匯豐台灣官方網站中文版面。擷取於 2026 年 2 月 21 日，https://www.hsbc.com.tw/accounts/products/everyday-global
數位發展部（無日期a），關於平台，數位發展部政府資料開放平台官網。擷取於 2026 年 2月 8 日，https://data.gov.tw/about
數位發展部（無日期b），關於「個人化資料自主運用（MyData）」，數位發展部關於MyData。擷取於 2025 年 7 月 11 日，https://MyData.nat.gov.tw/about_us
蘇思云（2025），從電信轉戰金融 郭水義揭將來銀行創新科技布局，中央社，https://www.cna.com.tw/news/afe/202506150029.aspx