從世界上最早的銀行於1171年誕生至今，金融業不曾經歷劇烈變動。金融科技是第一次金融上的破壞式創新，它利用科技降低成本，並轉換為價值回饋給顧客。這使得顧客從被動的服務接受者演變為享有主導權，也迫使台灣銀行業必須加速地朝向「更具策略性的創新」、「新興技術的採用」和「組織內部營運彈性的提高」發展，來確保他們可以在快速發展的金融生態系統中保持主導地位。
為了解決上述問題，本論文分為三大部分。第一部分先研究現階段台灣金融科技的發展樣態以及台灣銀行業針對金融科技的轉型狀況和問題；第二部分針對國外成功轉型的銀行案例做個案研究的深入探討，了解當時轉型的關鍵成功機制。第三部分則透過先前的國外銀行業轉型成功案例的研究，與台灣銀行業發展金融科技之現況和問題作比較，以利於清楚辨識出台灣銀行業與國外標竿企業的差異，進而彰顯出台灣銀行業發展金融科技的成功因素和關聯性，並提出建議與結論。

This thesis aims to solve the difficulty of facing FinTech for Taiwan banking industry, using qualitative research to study two successful cases in foreign banking industry in order to identify the key success factors of developing FinTech in Taiwan banking industry. The results show that, first, instead of competing and isolating other banks, the two benchmarks both develop great partnerships with their competitors so that they can all create seamless service for their customers, which drives customer value to the maximum. Second, they both also focus on maintaining high flexibility of operation to develop FinTech services. In conclusion, banks in Taiwan should cooperate more closely and maintain a relationship of both enemies and friends to accelerate overall innovation in Taiwan banking industry.

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