隨著金融科技的快速發展，開放銀行(Open Banking)於英國首度問世，起初是由於英國國內的銀行業了無生氣，英國政府決定以強制的方式來解決銀行停滯不前的競爭力，後來也有越來越多的國家跟著效仿，像是本文會討論到的澳洲、香港及新加坡皆是發展速度較快的國家，但其發展背景、施行方式與監管態度皆有所不同，其中規範方法大致可分為強制與自律，本文透過分析這些國家發展開放銀行的狀況，比較其中監管層面的不同，進而窺探開放銀行在台灣的展望，並期望能提出建議，給予往後研究參考方向。

With the rapid development of financial technology, Open Bank was first published in the UK, At first, due to the lack of vitality in the domestic banking industry in the UK, the British government decided to use compulsory methods to solve the stagnant competitiveness of banks. Since then, more and more countries have followed suit. For example, Australia, Hong Kong and Singapore, which will be discussed in this article, are all countries with relatively rapid development. However, their development background, implementation methods and regulatory attitudes are all different, and the normative methods can be roughly divided into mandatory and self-discipline.This article analyzes the development of open banks in these countries. Compare the differences in supervision, and then look into the outlook of the Open Bank in Taiwan, and look forward to making recommendations and giving future research reference directions.

論文審定書........................................................................................................................i
摘要...................................................................................................................................ii
Abstract............................................................................................................................iii
目錄..................................................................................................................................iv
圖目錄..............................................................................................................................vi
表目錄..............................................................................................................................vi
第一章 緒論...............................................................................................................1
第一節 研究背景...............................................................................................1
第二節 研究目的及動機...................................................................................2
第三節 研究方法...............................................................................................3
第四節 研究架構...............................................................................................4
第五節 研究限制...............................................................................................5
第二章 開放銀行背景介紹及文獻探討...................................................................6
第一節 開放銀行的起源...................................................................................6
第二節 開放銀行的特色...................................................................................8
第三節 開放銀行的發展性.............................................................................12
第四節 開放銀行的文獻探討.........................................................................13
第三章 國際開放銀行現況.....................................................................................16
第一節 國際開放銀行監管態度.....................................................................16
第二節 強制規範模式.....................................................................................18
第三節 自律規範模式.....................................................................................23
第四節 小結.....................................................................................................28
第四章 台灣開放銀行現況及未來發展分析.........................................................30
第一節 銀行在台灣之現況.............................................................................30
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第二節開放銀行在台灣之監理法規與分析.................................................31
第五章 結論與建議.................................................................................................37
第一節 結論.....................................................................................................37
第二節 建議.....................................................................................................38
文獻探討 .....................................................................................................................41

中文文獻(依姓名筆劃排序)
1. 王志誠、廖乃慶、許光承、張宇脩 (2017)。互聯網金融之監理機制
2. 布雷特·金(Brett King) (2017)。Bank3.0：銀行轉型未來式
3. 邱莉婷 (2011)。我國金融服務業發展之回顧與展望，國家發展委員會經濟研究
4. 唐祖蔭、陳世杰、劉奕吟譯 (2018)。FinTech金融科技聖經
5. 徐敬翔 (2017)。金融科技發展現況之比較研究
6. 許杏宜 (2016)。P2P網路借貸的法律與未來，會計研究月刊
7. 黃台心、江典霖(2014)。我國銀行業市場競爭度與金融創新之關聯，中央銀行季刊
8. 臧正運 (2019)。從國際發展趨勢論我國推動開放銀行應有之思考，金融聯合徵信雜誌第34期
9. 劉景中 (2011)。銀行集中度及效率對市場競爭度的影響：台灣實證研究，台灣大學經濟論文叢刊
10. 顧振豪 (2016)。完備資料開放與自主管理機制，建構數位國家發展基礎
英文文獻(依字母排序)
1. Arner & Douglas W. & Janos Barberais & Ross P. Buckley (2016). FinTech， RegTech and the Reconceptualization of Financial Regulation
2. Aubrey Hawes & Tushar Chitra (2016). Keeping up with the Fin Techs: A banker's strategy for digital trans formation
3. Bruno Campenon (2016). Fintech and the future of securities services
4. Chris Dunne (2016). Opportunities and challenges for payments innovation
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5. de Meijer & Brown Carlo & Alastair (2014). Transaction banking in the cloud: Towards a new business model
6. Hong Kong Monetary Authority (2018). Open API Framework for the Hong Kong Banking Sector
7. Jeong-Min Ryu & Yong-Mo Seo & Han-Jin Cho (2016). A Study on Business Model of Fintech - Focus on the Business model canvas
8. Julian Skan et al. (2014). The Boom in Global Fintech Investment: A New Growth Opportunity for London
9. Margaret Weichert (2017). The future of payments: How Fin Tech players are accelerating customer-driven innovation in financial services
10. Open API Framework for the Hong Kong Banking Sector (2018).
11. Peter Gomber & Jascha-Alexander Koch & Michael Siering (2017). Digital Finance and Fin Tech: current research and future research directions
12. PwC Global FinTech Report (2016).
13. Robert Gach & Maria Gotsch (2014). The Rise of Fintech: New York's Opportunity for Tech Leadership
14. UK Open Banking APIs Performance Analysis (2018).
15. The Association of Banks in Singapore (2016). ABS-MAS Financial World: Finance-as-a-Service API Playbook.
16. World Economic Forum (2015).
17. World Payment Report (2018).
網路資料(依字母及筆劃排序)
1. iThome https://www.ithome.com.tw/
2. Medium https://medium.com/
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3. Think Fintech http://www.thinkfintech.tw/
4. ZANDERS https://zanders.eu/en/
5. 台灣金管會 https://www.fsc.gov.tw/ch/index.jsp
6. 政大金融科技研究中心http://openbanking.org.tw/
7. 科技法律研究所 https://stli.iii.org.tw/index.aspx
8. 科技橘報 https://buzzorange.com/techorange/
9. 香港金融管理局 https://www.hkma.gov.hk/chi
10. 財金資訊股份有限公司 https://www.fisc.com.tw/TC/Default.aspx
11. 國家政策研究基金會https://www.npf.org.tw/
12. 資策會產業情報研究所 https://mic.iii.org.tw/
13. 數位時代 https://www.bnext.com.tw/