德勤+2022數(shù)字與金融脈動(dòng)展望報(bào)告

國(guó)立政治大學(xué)商學(xué)院童融科技研究中心inT?ch國(guó)立政治大學(xué)商學(xué)院童融科技研究中心inT?chResearchCenterColleg*ofComm?rc?,NationalChangchlUnlv?r*ltyDeloitte.勤業(yè)眾信MAKINGANIMPACTTHATMATTERS*MAKINGANIMPACTTHATMATTERS*開展新局：2022數(shù)位與金融脈動(dòng)展望報(bào)告-資料共享、保險(xiǎn)科技與金融資安開展新局開展新局：2022數(shù)位與金融脈動(dòng)展望報(bào)告-資料共享、保險(xiǎn)科技與金融資安33目錄序言03國(guó)際金融科技之應(yīng)用與發(fā)展04臺(tái)灣金融業(yè)科技與政策發(fā)展現(xiàn)況21臺(tái)灣金融業(yè)的挑戰(zhàn)與困難30未來策略與政策建言37參考資料45致謝47政大研究團(tuán)隊(duì)47聯(lián)絡(luò)我們48序文近年金融科技發(fā)展快速，去年（2021）勤業(yè)眾信攜手國(guó)立政治大學(xué)金融科技研究中心發(fā)布《2021臺(tái)灣金融科技趨勢(shì)展望》，分別從DigitalBanking（數(shù)位銀行）'InsurTech（保險(xiǎn)科技）、AssetManagement（資產(chǎn)管理/投資管理）以及SupTech/RegTech（法遵科技）等領(lǐng)域研究，結(jié)合DeloitteGlobal的FutureofBank八大趨勢(shì)，綜觀國(guó)內(nèi)外金融科技發(fā)展比較與臺(tái)灣Fintech發(fā)展的挑戰(zhàn)，提出有關(guān)政府政策、監(jiān)理方向和管理策略之建言。在DeloitteFutureofBank八大趨勢(shì)中，臺(tái)灣金融機(jī)構(gòu)普遍以「提高數(shù)位化程度」'「降低數(shù)位網(wǎng)路風(fēng)險(xiǎn)與金融犯罪」、「強(qiáng)化數(shù)據(jù)整合與分析」及「有效採(cǎi)用數(shù)位與新興科技」等，作為主要發(fā)展的面向。在全球金融科技創(chuàng)新持續(xù)推進(jìn)的同時(shí)，適逢COVID-19疫情的影響，加速了數(shù)位轉(zhuǎn)型，服務(wù)與工作型態(tài)也隨之改變，從線下轉(zhuǎn)入線上或遠(yuǎn)端模式，而工作模式的變革同時(shí)使得駭客入侵的機(jī)會(huì)增加，進(jìn)而讓資安成為須立即面對(duì)的重要議題之一。為與國(guó)際市場(chǎng)接軌，金管會(huì)在去年底發(fā)布「金融機(jī)構(gòu)間資料共享指引」，主要內(nèi)容為提升金融業(yè)客戶便利性，以促進(jìn)新生態(tài)圈的建立；純網(wǎng)路保險(xiǎn)公司預(yù)計(jì)於今年（2022）8月開始申請(qǐng)，並推廣電子保險(xiǎn)存摺平臺(tái)，帶動(dòng)臺(tái)灣保險(xiǎn)科技的創(chuàng)新和便利；暨強(qiáng)化金融資安等措施。今年勤業(yè)眾信與政大再次合作《2022數(shù)位與金融脈動(dòng)展望報(bào)告-資料共享、保險(xiǎn)科技與金融資安》，研究報(bào)告主要針對(duì)金管會(huì)金融科技發(fā)展路徑圖中之現(xiàn)行重點(diǎn)發(fā)展進(jìn)行分析及建議，並供政府及業(yè)者參考，主題分別為：金融資料共享、純網(wǎng)保與保險(xiǎn)存摺平臺(tái)、金融資安。本研究報(bào)告透過回顧國(guó)內(nèi)外金融科技之發(fā)展，彙整金融科技的框架與各國(guó)在法令、業(yè)務(wù)、技術(shù)等不同構(gòu)面上的差異與進(jìn)程，並審視臺(tái)灣金融科技導(dǎo)入進(jìn)程，結(jié)合訪談金融機(jī)構(gòu)與第三方服務(wù)業(yè)者，了解臺(tái)灣在金融科技上的準(zhǔn)備進(jìn)度及所遇到的困難與挑戰(zhàn)，提供金融產(chǎn)業(yè)策略規(guī)劃的建議，在政策層面上給予相關(guān)金融監(jiān)理單位對(duì)於金融科技在監(jiān)理與治理方面之管理策略與建議，期待與金融產(chǎn)業(yè)各界攜手挹注Fintech能量。國(guó)立政治大學(xué)金融科技研究中心國(guó)立政治大學(xué)金融科技研究中心王儷玲主任金融服務(wù)產(chǎn)業(yè)負(fù)責(zé)人吳怡君會(huì)計(jì)師國(guó)際金融科技之應(yīng)用與發(fā)展開展新局開展新局：2022數(shù)位與金融脈動(dòng)展望報(bào)告-資料共享、保險(xiǎn)科技與金融資安33開展新局開展新局：2022數(shù)位與金融脈動(dòng)展望報(bào)告-資料共享'保險(xiǎn)科技與金融資安參考資料AlliedMarketResearch,(2020).OpenBankingMarketSizetoReach$43.15Billionby2026,at24.4%CAGR.[online]Availableat:/news-release/2020/04/13/2015104/0/en/Open-Banking-Market-Size-to-Reach-43-15-Billion-by-2026-at-24-4-CAGR.html[Accessed02Jun.2022]Pandy,S.,(2020).DevelopmentsinOpenBankingandAPIs:WhereDoestheU.S.Stand?.[online]FederalReserveBankofBoston.Availableat:DevelopmentsinOpenBankingandAPIs:WhereDoestheU.S.Stand?-FederalReserveBankofBoston()[Accessed02Jun.2022]TheFinancialBrand,(2020).U.S.FinancialInstitutionsNowLeadEuropeinOpenBanking(Here'sWhy).[online]Availableat:/102918/u-s-financial-institutions-now-lead-in-open-banking-api-token-mobile-app-screen-scrape/[Accessed02Jun.2022]AlliedMarketResearch,(2020).CompetitionandMarketsAuthority,(2016).Retailbankingmarketinvestigation.[online]Availableat:.uk/cma-cases/review-of-banking-for-small-and-medium-sized-businesses-smes-in-the-uk[Accessed02Jun.2022]OpenBankingLimited,[online]Availableat:https://www..uk/insights/[Accessed02Jun.2022]Capgemini&BNPParibas,(2020).WorldPaymentReport2018.[online]Availableat:/news/press-releases/world-payments-report-2018/[Accessed02Jun.2022]OECD,(2019).EnhancingAccesstoandSharingofData.[online]Availableat:/digital/ieconomy/enhancing-access-to-and-sharing-of-data.pdf[Accessed02Jun.2022]Rogier,B.,(2019).EstablishingaDurableEnvironmentforDigitalFinancialServices:ElicitingDesignPrinciplesfortheFinancialEcosystemtoDevelopRobustAPIsforOpenBanking.IBM,(2016).EvolutionoftheAPIeconomyAdoptingnewbusinessmodelstodrivefutureinnovation.[online]Availableat:https:///downloads/cas/XG8RYO63[Accessed02Jun.2022]資策會(huì)產(chǎn)業(yè)情報(bào)研究所,(2019).開放銀行發(fā)展簡(jiǎn)報(bào)EBA,(2017).OpenBanking:advancingcustomer-centricity.[online]Availableat:https://www.abe-eba.eu/media/azure/production/1355/eba_open_banking_advancing_customer-centricity_march_2017.pdf[Accessed02Jun.2022]OpenBankingLimited,OpenDataSpecificationsversionv2.4.0.[online]Availableat:https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/[Accessed02Jun.2022]OpenBankingLimited,AccountandTransactionAPIProfile-v3.1.6.[online]Availableat:https://openbankinguk.github.io/read-write-api-site3/v3.1.6/profiles/account-and-transaction-api-profile.html[Accessed02Jun.2022]Vegelius,A.(2020).PSD2StrongCustomerAuthentication(SCA)andPCIMulti-factorAuthentication(MFA)compliance.AdvantioAvailableat:/blog/psd2-strong-customer-authentication-sca-and-pci-multi-factor-authentication-mfa-compliance[Accessed02Jun.2022]OpenBankingLimited,OpenBankingStandard.[online]Availableat:.uk/[Accessed02Jun.2022]EU,(2015).Paymentservicesintheinternalmarket,amendingDirectives2002/65/EC,2009/110/ECand2013/36/EUandRegulation(EU)No1093/2010,andrepealingDirective2007/64/EC.Availableat:https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CEL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