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研究生： 孔康迪
Konstantin Krone
論文名稱： 數位化銀行策略之比較分析
A Comparative Analysis of Digital Banking Strategy
指導教授： 尚孝純
Shang, Shari
口試委員: 何富年
Ho, Foo-Nin
彭志宏
Peng, Chih-Hung
學位類別： 碩士
Master
系所名稱： 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年： 2021
畢業學年度： 109
語文別： 英文
論文頁數： 61
中文關鍵詞： 數位銀行 、金融科技 、現任的 、創新策略 、成功因素
外文關鍵詞： Digital Banking, FinTech, Incumbent, Innovation Strategy, Success Factor
DOI URL： http://doi.org/10.6814/NCCU202101071
相關次數： 點閱：87  下載：0 
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    • This thesis explores the topic of digital banking strategies with focus on Digital Native Enterprises and traditional banks. It compares innovation strategies, success factors, and elaborates on their similarities and differences. Existing literature on the topic is examined in the literature review to identify typical innovation strategies and critical success factors. Based on that, a comparison framework is developed, it consists of the following six dimensions: customer centricity, corporate structure, innovation, compliance, corporate culture, and resources. Also, key challenges of both types of companies are taken into account. In the next step, a comparative case study is conducted using the self-developed framework. The digital banks Fidor Bank AG from Germany and Richart (belongs to the Taiwanese Taishin International Bank) serve as exemplary cases. Subsequently, both cases are applied to the comparison framework. The comparison sheds light on specific similarities, differences, challenges, and critical success factors. Finally, managerial implications are suggested for Digital Native Enterprises as well as traditional banks that are enhancing their digital banking innovation efforts.

    1. Introduction 1
    1.1. Research Background 1
    1.2. Research Motivation 1
    1.3. Research Objectives 2
    1.4. Research Process 3
    2. Literature Review 4
    2.1. Digital Native Enterprises 4
    2.1.1. Success Factors of Digital Native Enterprises 5
    2.1.2. Digital Native Banking 6
    2.2. Innovation Strategies of Digital Native Enterprises 10
    2.2.1. Innovation Strategies of FinTech Companies 10
    2.2.2. Barriers of Innovation 13
    2.3. Impact of Technological Development on Incumbents 14
    2.3.1. External Influences on Incumbent Strategies 15
    2.3.2. Internal Influences on Incumbent Strategies 15
    2.4. Innovation Strategies of Incumbents 17
    2.4.1. Self-developed Innovation 18
    2.4.2. Cooperation, Acceleration, and Acquisition 20
    2.4.3. Barriers of Innovation 22
    2.5. Success Factors and Risks of Digital Banking 23
    2.5.1. Success Factors 23
    2.5.2. Risks of Digital Banking 26
    2.5.3. Regulatory Environment 28
    2.5.4. Developments in the Digital Banking Industry 30
    3. Research Design 32
    3.1. Research Approach 32
    3.2. Data Collection 32
    3.3. Data Analysis 34
    4. Research Results 35
    4.1. First Case: Richart 35
    4.1.1. Case Introduction 35
    4.1.2. Traditional Practice 35
    4.1.3. Innovative Services 36
    4.1.4. Challenges and Success Factors 37
    4.2. Second Case: Fidor Bank AG 41
    4.2.1. Case Introduction 41
    4.2.2. Innovative Services 41
    4.2.3. Challenges and Success Factors 44
    4.3. Case Comparison 48
    4.3.1. Comparison of Challenges and Success Factors 48
    4.3.2. Operational Differences between Innovation Strategies 52
    5. Conclusion 53
    5.1. Summary 53
    5.2. Implications 54
    5.3. Limitations 55
    6. References 56
    7. Appendix 61

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