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標題: 投資顧問機器人及監管科技運用在財富管理業務的分析與探討
How Robo-Adviser and Regulatory Technology Develop in Wealth Management
作者: 蘇恒賢
Hen-Hsien Su
Yung-Kuan Chan
關鍵字: 金融科技;監管科技;投資顧問機器人;FinTech;RegTech;robot-advisor
Project: 台灣管理學刊, Volume 19, Issue 1, Page(s) 1-16
2008年全球金融海嘯後,在高科技業領軍下,銀行的角色開始「去中介化」,諸多創新金融服務結合資訊科技,使得金融服務變得更有效率,此種商業模式統稱為「金融科技」(financial technology, FinTech)。近年來許多金融機構收購科技公司,大規模結合科技技術來提供金融服務,除加速金融科技的快速發展外,並急速擴大金融科技的經濟規模,促使諸多金融業務從實體分行轉向數位化的網路世界發展。這主要歸功於網路交易加密技術日漸成熟、大數據分析及區塊鏈等技術,所帶來的許多金融創新服務,成功地降低小規模經濟的金融交易成本。從一開始的網路交易系統、各項行動支付工具、小型企業借貸平台等,到如今無人銀行的設立,都是以一般大眾的金融服務為主,尚未成為以富裕階層為主的財富管理業務主流。因此,本研究透過質性資料蒐集、彙整與分析,深入瞭解人工智能(artificial intelligence, AI)投資顧問機器人(robo-adviser)與監管科技(regulatory technology, RegTech)的運用發展,特別針對財富管理業務進行分析與探討,其結論可提供金融科技產業發展參考。

Ever since the Global Financial Crisis in 2008, the role of banks has "de-intermediated" because financial technology (FinTech) companies have started using innovative IT solutions in various financial services replacing the conventional banking business. The new business model combining Technology and Finance is commonly referred to as "FinTech". In the recent years, banks have transformed into financial institutions that acquire financial technology companies in order to develop their own financial technology services. This has stimulated the development and greatly expanded the economic scale of FinTechs. As a result, financial institutions have shifted to focus on the development of digital banking rather than operating physical bank branches. Additionally, the enhancement of new FinTech services such as internet transaction encryption technology, big data analysis, and blockchain has successfully reduced the transaction costs for smaller clients. Current services such as online trading system, mobile payment application and tools, small business lending platform, and self-service banks serve more to the general public rather than the High Net Worth clients. Therefore, through qualitative data collection and aggregate, this paper aims to focus on how artificial intelligence (AI), robo-advisor, and Regulatory technology (RegTech) develop in wealth management services. Research findings and conclusion would be a reference to the development of financial technology industry.
Appears in Collections:臺灣管理學刊 第19卷 第01期

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