在這個動蕩的世界中，政府積極推動台灣的新南向戰略和政策，以尋求突破並加強台灣和全球各地區之自由貿易協定，增進相互了解與合作、穩步發展雙向交流與加強全面的深入合作經貿關係。目前以東協國家為主的亞太東協市場，持有金融帳戶相較全球覆蓋率偏低，台灣銀行金融業開赴東協經營之成長空間甚大。加諸東協諸國與台灣的經濟與區域經濟貿易發展相互至關重要，在全球中美貿易戰下台商加速撤出中國地區，轉進入東協區域及政府重點政策推進下，未來五年將是我國銀行金融業進軍東協，廣建佈局新南向策略政策目標市場之黃金關鍵時期。

因台灣與東南亞各國或其他新南向區域國家雖屬同一區域，但不論在政治主體、經貿發展、風土民情、法規章程，以及銀行金融業規模和監管體系差異很大。且台灣銀行金融業者與國際傳統跨國金融集團相較，規模尚且不足，進入東南亞市場與其他潛力發展區域的時間點晚又缺乏先機，對全球銀行金融產業策略發展亦較為缺乏整體系統性研究與分析。有鑑於此，本次論文研究將探討銀行金融業如何將數位轉型經驗投射轉進東協國家，引進金融創新科技將為其投資環境帶來什麼改變及影響。

Under the turbulence of the world, the government actively promotes Taiwan ’s new southbound strategy and policy in order to seek breakthroughs, strengthen Taiwan and the global, regional and free trade agreements, enhance mutual understanding and cooperation, steadily develop two-way exchanges, and strengthen comprehensive and in-depth cooperative economic and trade relations. . At present, the Asia-Pacific ASEAN market, which is dominated by ASEAN countries, has a relatively low coverage of financial accounts compared with the global coverage. There is great room for growth in the operation of the banking industry in Taiwan to ASEAN. The economic and regional economic and trade developments of the ASEAN countries and Taiwan are very important for each other. Under the global Sino-US trade war, Taiwanese businessmen have accelerated their withdrawal from the Chinese region and moved into the ASEAN region and the government ’s key policies. The next five years It will be a golden period for China's banking and financial industry to enter the Association of Southeast Asian Nations and broadly construct the new southbound strategic policy target market.

Although Taiwan and Southeast Asian countries or other countries in the new southward region belong to the same region, they are quite different in terms of political subjects, economic and trade development, customs, customs and regulations, as well as the scale of the banking and financial industry and the supervision system. Compared with the international traditional multinational financial groups, the scale of Taiwan ’s banking financial industry is still inadequate. There is a lack of opportunities to enter the Southeast Asian market and other potential development areas late, and there is also a lack of overall systematic research on the development of global banking financial industry strategies. analysis. In view of this, this thesis research will explore how the banking financial industry can transfer digital transformation experience to ASEAN countries, and the introduction of financial innovation and technology will bring about changes and impacts on its investment environment.



Keywords: Fintech, New Southbound, Digital Finance, FinTech, Blockchain, Multiple Payments, Artificial Intelligence AI

目 錄



論文審定書......................................................i
謝 辭.................................................................ii
摘 要.................................................................iii
Abstract ..........................................................iv
目 錄.................................................................v
圖 次.................................................................vi
表 次.................................................................vii
第一章 緒論....................................................P1
第一節 研究背景及動機.......................................P1
第二節 研究目的.............................................P3
第三節 研究範圍與限制.......................................P3
第四節 研究流程............................................P4
第二章 文獻探討.............. ..................................P5
第一節 東南亞金融發展......................................P5
第二節 金融科技掘起........................................P11
第三節 區塊鏈..............................................P17
第四節 銀行業發展概況......................................P26
第三章 研究方法.................................................P34
第一節 個案研究............................................P34
第二節 深度訪談............................................P35
第四章 國內銀行在東南亞之數位轉型之策略分析....................P38
第一節 資料分析......................................P38
第五章 結論與建議.............................................P46
第一節 分析結果............................................P46
第二節 研究建議............................................P50
參考文獻........................................................P52
一、中文部份：..................................................P52
二、英文部份：..................................................P53
三、網站部份：..................................................P55
附錄一、深度訪談逐字稿～對象 J .................................P56
附錄二、深度訪談逐字稿～對象 C..................................P65






V

















圖 次



圖 1-1 ........................................................P1
圖 1-2 ........................................................P4
圖 2-1 ........................................................P5
圖 2-2 ........................................................P6
圖 2-3 ........................................................P7
圖 2-4 ........................................................P8
圖 2-5 .........................................................P9
圖 2-6 .........................................................P19
圖 2-7 .........................................................P20
圖 2-8 .........................................................P22
圖 2-9 .........................................................P23
圖 2-10 ........................................................P25
圖 4-1 .........................................................P41




































VI












表 次

表 2-1 .......................................................P13
表 2-2 .......................................................P15
表 2-3 .......................................................P16
表 2-4 .......................................................P16
表 2-5 .......................................................P17
表 2-6 .......................................................P18
表 2-7 .......................................................P21
表 2-8 .......................................................P26
表 3-1 .......................................................P37
表 4-1 .......................................................P44

參考文獻
中文部份：
1.台灣經濟研究月刊（2019.11）「金融科技在東南亞引爆的商機與野心」
2.Brett King(2015)在其著作《銀行轉型未來式－BANK 3.0》
3.尤彥傑(2017)論文，金融科技對我國金融管制之衝擊與挑戰
4.李沃牆(2017)，「台灣金融業發展金融科技的現況、挑戰及因應策略」，亞洲金融季報春季號
5.2019年 12 月 07 日商業周刊
6.存款保險資訊季刊第32卷第3期
7. 108 年 6 月 20 日「央行理監事會後記者會參考資料」
8.台灣金融服務業聯合總會(2019)
9.台灣銀行家雜誌第90期106.06 / 鄭貞茂
10. 吳朝平(2012)，「第三方線上支付業務的洗錢風險及反洗錢監管研究」，南方金融，第 10 期，第 30-33 頁。
11. 李智仁(2013)，「第三方支付的中國經驗觀察」，萬國法律，第 191 期，第 6 頁。
12. 謝佳君(2016)，台灣發展電子支付之探討-以銀行業為例，台灣科技大學財務金融研究所碩士論文。
13. 萬幼筠、曾韵、張孟傑(2017)，「區塊鏈的發展、應用與管理建議」，內部稽核，第99期，第4-8頁。
14. 今周刊,梁任瑋1142期


二、英文部份：
1.《CB Insights》：〈Southeast Asia Is Historically Underbanked. Fintechs Are Finally Seizing The Opportunity.〉
2.《Business Insider》：〈Southeast Asia is the best market for fintech〉
3.《KPMG》：〈Fintech: Opening the door to the unbanked and underbanked in Southeast Asia〉
4.《Medium》：〈All eyes on Southeast Asia for FinTech growth in 2019〉
5.ASEAN (2018)，ASEAN Investment Report 2018 - Foreign Direct Investment and the Digital Economy in ASEAN.
6.The Economist Intelligence Unit (2018)， Fintech in ASEAN: Unlock the opportunity.
7.United Overseas Bank Limited. Co. (2017)，State of Fintech in ASEAN.
8.The Future of Financial Services How Disruptive Innovations Are Reshaping the Way
9.Financial Services Are Structured，Provisioned and Consumed
10. Arner, D.W.; Barberis, J.N.; Buckley, RP (2016),"The Evolution of FinTech: A New Post-Crisis Paradigm?" SSRN Electronic Journal, Jan.
11.World Economic Forum. (2015). The Future of Financial Services -- How disruptive innovations are reshaping the way financial. Geneva: World Economic Forum.
12.World Economic Forum. (2015). The Future of FinTech -- A Paradigm Shift in Small Business Finance. Geneva: World Economic Forum.
13. Taylor, S. J., & Bogdan, R. (1984), Introduction to Qualitative Research Methods,New York: John Wiley & Sons.
14. ( Blockchain. Investopedia. [19 March 2016].. Based on the Bitcoin protocol, the blockchain database is shared by all nodes participating in a system.)
15. (So what is FinTech?. National Digital Research Centre. March 2014 [26 November 2014].)
16.IMF Launches Private Blockchain-Based ‘Crypto’ After Bashing Bitcoin. News BTC，2019/4/13
17.IMF and World Bank Launch the “Learning Coin”, Backed by Knowledge, Not Monetary Value? Bitcoin Exchange Guide，2019/4/14