過去金融與科技是沒有相互競爭各自分開經營的領域，但隨資訊科技日益發達，全球邁向Bank3.0、Bank4.0與FinTech時代的來臨，因而產生許多非金融業者利用科技技術來結合金融理財設計出創新平台與服務，各種大眾理財服務平台紛紛崛起，成為銀行業財富管理事業的潛在競爭者。在朝向虛實整合流程的目標發展下，著重強調以科技技術來改善金融服務的效率，銀行不再只是一個地方，而是一種行為，科技互動技術將與金融產品客製化服務結合成為銀行的創新金融科技服務的營運重心。

臺灣高資產客戶數與資產成長快速，加上快速邁入高齡社會，高端客戶經營、家庭整合理財與財富傳承的需求愈高。因此當傳統財富管理顧問不懂得因應客戶的需求及消費者行為的變化時，就有可能面臨被市場淘汰的風險，當全球銀行業都再努力學習邁向金融科技與積極創新時，臺灣國內銀行財富管理事業勢必也需要藉助金融科技輔助來促使更加瞭解客戶，協助客戶更靈活的資產配置與財富規劃。

本研究主要透過個案研究來瞭解國內傳統本土銀行的財富管理業務部門，當全球銀行業都快速發展數位金融科技下面臨到的衝擊與挑戰，以及開始進行的銀行轉型與金融科技結合等策略，依據資料蒐集分析、歸納比較、深度訪談內部經理人與往來高資產客戶及個人經歷對主題加以整理與分析。

本研究根據個案做出三個不同角度層面（銀行面、專業理財顧問面與高資產客戶面）進行結論分析，財富管理服務並不是一種標準化和制式化的服務，財富管理最重要目的是在於幫助客戶財富累積、財富保護、財富增殖與財富傳承，需要藉助的是資訊設備研發更新、大數據平台應用、風險控管與資訊安全等科技技術作為理財諮詢工具輔助，為顧客創造更多附加價值。

SUMMARY

As the globe marching forward to the era of Bank 3.0, Bank 4.0 and FinTech, many inventors who do not work in finance industries are beginning to utilize scientific technology to create new platforms to offer financial and managerial services. The booming of various public wealth management platform has created potential rivals for fortune management businesses. Under the trend of integration between physical and virtue realities and the marriage between scientific technologies and financial services, the definition of banking industries can no longer be limited to banks but instead it is now a behavior, and scientific technology will combine customized financial service to become a new powerful industry in the finance and banking sectors. This research seeks to understand how banking sectors in Taiwan handle the challenges coming from rapid and global development of digital financial technologies through case studies. In our discoveries, we have found that many banks are planning to introduce the latest financial technologies and integrate those technologies to the existing banking system in order to cope with the growing requests of financial technologies among clients.

INTRODUCTION

With the development of information technology, mobile devices such as smartphones are becoming a necessity in our daily lives and Taiwan financial management and monitoring committee has declared year 2015 as the first year of “Finance 3.0”and the harbinger of state policies promoting financial community and a digitalized invest environment with more possibilities to virtue market routes. Among those policies, the “Financial Technology 3.0”, which deregulated financial institutions’ transformation to investors, received the most attention. Many investors have shown increasing interest an demand in financial tools of different types. Clearly, financial technologies of high quality has become one important considerations for investors and banks must be ready to provide the best personal fortune management service with the latest technologies and proper marriage between technologies and financial services.

MATERIALS AND METHODS

This study went through data collection and summarization, as well as in-depth interview with managers and VIP clients of major banks to study the fortune management departments in major banks in Taiwan and what’s their counter strategies against the current trend of financial technologies. This study also adopted some of the personal experience of the composer of this research where it is relevant.

RESULTS AND DISCUSSION

Facing the powerful and never-ending waves of digitalization, the bank in our case study has proposed and executed following counter strategies: To clearly define functions of branches and subsidiaries, to redefine the value and role of headquarters and branches, to provide up-to-date digital services, to improve the function of big data analysis system, to improve internet technologies and information security, to better risk evaluation and control, to introduce the KYC (Know Your Customer) system, to use big data to identify new clients, to provide training programs to produce qualified leaders in information technologies, and to recruit more qualified financial managers. Although the main revenues for most of banks come from financial services, but amid competitions from people outside the finance sector, many banks need to look for other added values and understanding of clients at individual level to build closer ties with customers through added value. Clients typically expect conveniences, speed, and participation from banking services and using both computerized information and suggestions from professional managers can help clients quickly understand the financial plans they need. In addition, clients also value strong protection over the information of their assets and other financial information.

CONCLUSION

Fortune management is not a standardized service but instead of personal one, for each individual fortune bares different risk characters and unique demand in resource allocation. Digital technology, while can satisfy the need of systemization and automated plan matching, but it cannot yet completely replace the role of human advisors. If we examine the effect of 2016 Brexit referendum, computerized consultants could not perform preferences and immediate risk warning, and the following effects after the “leave” decision such as the plummet of British Pound, the postpone of USD interest rise, the increase of risk in RMB fluctuations and other impacts on global economy cannot be pre-installed into a computer program. The core competiveness for fortune management business still comes from the analysis quality and resource allocation ability of a financial product, the stabilization of bank’s core competitive advantages, the overall upgrade of computer technologies and combinations between existing internal advantages and external technological assistances. Digital technologies, while indeed are important tools for better marketing and higher level of customer satisfaction, they do not serve the entire purpose of build a solid and accurate financial plan.

一、中文部分
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二、電子媒體部分
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四、網站部分
1.中國信託 https://www.ctbcbank.com/
2.中華民國銀行商業同業公會全國聯合會 http://www.ba.org.tw
3.玉山銀行 https://www.esunbank.com.tw/bank/personal
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5.金融監督管理委員會銀行局 http://www.banking.gov.tw
6.國泰世華銀行 https://www.cathaybk.com.tw/
7.富邦銀行 https://ebank.taipeifubon.com.tw
8.資策會產業情報研究所 https://mic.iii.org.tw
9.臺灣證券交易所 http://www.twse.com.tw
10.MBA智庫百科 http://wiki.mbalib.com
11.Statista GmBH http://www.statista.com