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研究生： 張育瑋
Chang, Yu-Wei
論文名稱： 純網路銀行收益策略之個案研究
A Study of the Revenue Strategy of Internet-only Banks
指導教授： 尚孝純
Shang, Shiaw-Chun
口試委員: 吳雅鈴
Wu, Ya-Ling
杜雨儒
Tu, Yu-Ju
學位類別： 碩士
Master
系所名稱： 商學院 - 資訊管理學系
Department of Management Information System
論文出版年： 2020
畢業學年度： 108
語文別： 英文
論文頁數： 73
中文關鍵詞： 純網路銀行 、金融科技 、收益策略
外文關鍵詞： Internet-only bank, Fintech, Revenue Strategy
DOI URL： http://doi.org/10.6814/NCCU202001595
相關次數： 點閱：243  下載：1 
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    • 純網路銀行透過網路與行動服務提供所有金融服務，且沒有設置任何營業據點。這類型的銀行正在蓬勃發展，從而掀起了新的數位金融浪潮。為了促使傳統銀行加快其金融創新，台灣於2019年頒發了三張純網路銀的牌照，建立純網路銀行需要投資大量資金，投資者願意出資的原因很多，但是目前收益策略尚未明確，且國外還是有許多純網路銀行為虧損階段。本研究採用內容分析法和多重個案研究，旨在歸納出純網路銀行的收益策略，並透過訪談金融業專家來驗證收益策略的完整性與適用性，最終歸納出五種純網路銀行的收益策略。預期本研究結果將對純網路銀行的營運盈利提供深入的見解。

    Internet-only banks provide all of their financial services using internet or mobile services without establishing physical customer interface locations. This style of banking is booming, promulgating a new wave of digital financing. To prompt traditional banks to accelerate their financial innovation, Taiwan issued three internet banking licenses in 2019. Establishing internet banks requires vast amounts of investment capital, and there are many reasons why investors choose to get on board. However, the revenue strategy has not yet been clarified, the target demographic remains mysterious. This research adopts content analysis and multiple-case study to investigate this phenomenon in-depth and aim to summarize the revenue strategy of Internet-only banks. We verify the revenue strategy’s integrity and applicability by interviewing experts in the financial industry. The results sum up five strategies for Internet-only banks and are expected to provide insights into the establishment and operation of profitable internet-only banks.

    ACKNOWLEDGMENT I
    ABSTRACT II
    摘要 III
    LIST OF TABLE VII
    LIST OF FIGURE VII
    CHAPTER 1: INTRODUCTION 1
    1.1 RESEARCH BACKGROUND AND MOTIVATION 1
    1.2 RESEARCH QUESTION AND PURPOSE 2
    CHAPTER 2: LITERATURE REVIEW 3
    2.1 INTERNET-ONLY BANK 3
    2.1.1 Definitions of Internet-only bank 3
    2.1.2 Worldwide development 4
    2.1.3 Business structure 5
    2.2 DIGITAL BANK 7
    2.2.1 Definitions of the Digital Bank 7
    2.2.2 Comparison of Internet-only bank 8
    2.3 DEVELOPMENT STATUS OF INTERNET-ONLY BANKS WORLDWIDE 9
    2.3.1 Japan 9
    2.3.2 South Korea 11
    2.3.3 China 12
    2.3.4 Europe and the US 13
    CHAPTER 3: RESEARCH METHODOLOGY 15
    3.1 RESEARCH APPROACH AND PROCESS 15
    3.2 DATA COLLECTION 17
    3.2.1 Select Criteria 17
    3.2.2 Case Description 17
    CHAPTER 4: RESEARCH RESULTS 22
    4.1 RESULTS OF CONTENT ANALYSIS OF SELECTED CASES 22
    4.1.1 WeBank 22
    4.1.2 MYBank 25
    4.1.3 Rakuten Bank 27
    4.1.4 SBI Sumishin Net Bank 30
    4.1.5 Revolut 31
    4.1.6 N26 34
    4.1.7 Fidor 37
    4.2 REVENUE STRATEGIES OF INTERNET- ONLY BANKS 39
    4.2.1 Intermediary Platform 39
    4.2.2 Ecosystem-enabled Services 41
    4.2.3 Tech-enabled Services 42
    4.3 INTERNET-ONLY BANKS IN TAIWAN 43
    4.3.1 Line Bank 43
    4.3.2 Rakuten Bank 46
    4.3.3 Next Bank 47
    4.4 EXPERT INTERVIEW 50
    4.5 SUMMARY AND COMPARISON OF REVENUE STRATEGIES 58
    CHAPTER 5: CONCLUSION 60
    5.1 SUMMARY AND CONCLUSION 60
    5.2 EXPECTED CONTRIBUTIONS AND LIMITATIONS 61
    REFERENCE 62
    APPENDIX A 65
    APPENDIX B 66
    APPENDIX C 67
    APPENDIX D 68
    APPENDIX E 69
    APPENDIX F 70
    APPENDIX G 71
    APPENDIX H 72
    APPENDIX I 73

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