今日台灣金融環境雖礙於法規與諸多因素發展不如他國，但仍是以一定地步調成長，不論公股或私部門銀行皆致力於金融科技(Fintech)的發展，以消費者體驗為核心不斷塑造金融服務價值。
台灣是亞洲區最具活力的創業生態系統之一，世界排名第六，在製造與零售領有強大ICT基礎設施與訓練有素的專業人士，在了解大陸商業模式以及日益演進的科技監管制度、人均消費習性、通路結合新興支付的應用…這些因素都支持的台灣成為亞洲Fintech中心 ; 而近年來台灣各通路漸漸採用新興支付等FinTech相關應用服務，對金融業而言是絕對樂見其收單行不斷擴增，同時對其營收帶來正向影響。
本研究以複回歸模型來探討各類總體經濟因素、金融科技、相關產業的發展與重大事件對於本國金控業股價之影響。基於Fintech新興支付應用的特性，選擇了零售通路營業額年增率作為探討的變數之一。
並也把總體經濟因素納入變數來探討，檢視本國重要經濟指標的變化是否跟金融控股業股價、與逐漸融於民眾生活的金融科技有所相關，所採用的變數包括 : 國內CCI物價水準、名目平均每人民間消費PCE台幣、產業名目GDP。
本研究之統計模型顯示 : 零售通路營業額年增率在實證上對股價趨勢並無影響。至於國內物價水準與GDP對股價有正向影響，而台灣人均消費無影響。 國內外政經因素方面，川普上任與金融圈醜聞揭露皆對股價有負向影響，而金控業應用Fintech服務不如預期、並無正向顯著地影響股價。

So far, the development of finance in Taiwan lags behind other countries for the sake of many factors such as regulations and compliance. However, not only the private but the public financial holdings are committed to the development of financial technology (Fintech), in an effort to focus on consumer experience and creating value into financial services. The Financial Holdings all grow at a certain rate in spite of the bank law regulation and other restrictions.
Taiwan absolutely has one of the most vibrant entrepreneurial ecosystems, including the financial related business, in Asia, and ranked 6th . With strong ICT infrastructure and well-trained professionals in manufacturing and retailing, understanding of China’s industry business model, technology regulatory system, consumer habits... All these factors support Taiwan to become Fintech center in Asia.
In this study, we use regression model to explore the impact of various economic factors, financial technology, related industries and major events on the stock price in Taiwan’s Financial Holding. Based on the characteristics of Fintech payment techniques, the annual growth rate of retail is taken into consideration as a variable.
The other macroeconomic variables are domestic CCI (Consumer Confidence Index) price level, the average consumption per person and GDP.
The final empirical model shows: annual growth rate of retail and average consumption per person has no effect on the stock price trend, as for the domestic price level as well as Gross Domestic Product have a positive impact on the stock price.
The elections for Trump, financial scandal and the application of Fintech into services have negative impact on stock price.

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