Page 10 - 銀行家雜誌第82期

ɛيਖ਼ஞ

ٙ（Organic）dഒʔঐ⅗ߴ
пڗdɛʑe̹ఙe༟ৃeࠬ
છeʫᇆeج፭ഃேࠅѩፅ೯
࢝˲Ո዆᜗՘ሜ׌dί࿁׵ɽ

௔ɿБ݊щணໄٙীሞd˸ʿ
ڦ̔͜ഃऊږପۜᇞٙሜ዆d
ѩΫᓥᅰοٙীሞdܼ̍˼೯
ତၽვίணໄ4࢕ɽ௔ʱБʘ
ܝd׳ಛᐼඎᒔˢʔɪ຅ڋ̥
Ϟ1࢕ɪऎʱБࣛԸ੻εf
ၽ
̤̮dڦ̔͜ڐ఻ϋԸ̔၇ ᝄ ږ
છ
ᜊεədШ݊Ϟࣖ̔ᅰۍ͊Ν ౤ Զ
ӉϓڗdவԬᅰοdɰଘਗѐ ၽᝄږછ׵8˜31˚ᑘБʹટ࿬܁ႫՊᓿdѐ࣮༐͍όટ౛໨ԫڗɓᔖf

࣮༐࿁׵޴ᗫุਕٙჯঘ˙
Σdί˼޶Ըdʔࠅɓբᓒɽ Ъd຅ϋd˼Ҫၣ༩ATMЪ ϋϼֳٙԴնชfၝᝈѐ࣮༐
ଡ଼ᔌ৬࢙א݊౤Զ೙ଠတͦٙ Ցί਷ʫვБุΤΐۃ߫f್ ٙᄵዝdɽ̒͛ૹேί̮ਠვ
ਠۜdΫᓥՑࣖू൙Пdᜫ༟ ϾίሔՑFinTechࣛdԨ͊Ϊ Б؂ਕdܼ̍ࠌॲߒᐼБeɰ
๕ٙ༶͜੻Ց௰εٙࣖूdʑ މІʉʊϞɓֵ֛ٙ̌eዝᇖ ܙཀ̋ࣅɽɿБdШމ̨ᝄɛ
݊ࠠᓃdவɰ࢝ତ˼຾ᐄږፄ Ͼɽჼɽ׳d˼ˀϾٜԊd ਂԫٙୋɓ΅ʈЪd˼३Ⴍj
ุሸྼeਕྼٙɓࠦf ږፄዚ࿴ٙ೯࢝݊˜ආစ׌ ˜ఱ݊਷ᐄԫุf™

уԴ݊ሔՑࣛɨ௰ᆠژٙ Evolutionary™ҷᜊdഒڢ˜ࠧ ί̮ਠʮ̡ዝᇖεϋdѐ࣮
FinTechd׼׼݊ၖʕ৷˓ٙѐ ն׌ Revolutionary™ٙҷᜊd ༐ชա௰ଉՍٙdఱ݊ࣖଟٙ
࣮༐Ԩ͊ɽჼɽ׳f̮ޢ̙ঐ จբഹ͊ԸၽვίપਗFinTech ৛Ӌʿ࿁ɛٙʮ̻dவɰ݊຅
ʔٝ༸dϘί1993ϋdѐ࣮ ʔึᙍආdʥึΫᓥਿ͉ࠦd ϋ˼౛਷ᐄึਓ˴։ࣛd௰Ҏ
༐ఱ݊ୋɓࡈකணৌਕʈ೻ၾ ɓӉӉሸྼۃආf ૐঐءɝ਷ᐄԫุٙ˖ʷҷ
ږፄ௴อሙ೻ٙɽኪ઺બd̙ ࠧdࠠܔʮਕɛࡰٙϓఱชၾ
Ⴍމ̨ᝄኪஔޢሔFinTechٙ֐ ءɝ਷ᐄԫุ˖ʷҷࠧ యᘌfʘܝ˼຅ɺვᐼ຾ଣe
ख़dܼ̍ί̨ᝄᔕᙇBank ၽვ໨ԫڗeΊᔮږ໨ԫڗd
3.0‘ΤഹٙۃIBMਓᐼdତމ ѐ࣮༐݊য༐ٙਿຖࢯd˼ ேʔҙҪவ၇ၚग़d੭ɝ˼ה

̨อვБ˴౛ᅰЗږፄٙਓᐼ ίɪ΂ʘࣛd೯ڌٙ˜ݳঞʘ ຾ᐄٙ਷ᐄeʮٰԫุዚ࿴f
࢑ɓ˻d͍݊˼ٙሞ˖ܸኬኪ ɢ™ชԊd˿ɛΙ൥ଉՍd ౤Ց਷ᐄึਓ˴։ࣛಂdѐ
͛f ˜ݳঞʘɢ™̈І׵໋຾‘ ࣮༐ɰʔҙชᑽϼڗ֜dಀ຅
10ϋۃ̈౛ၽვ໨ԫڗࣛd ݂ԫdɰˀ݈ə˼੭ჯၽᝄږ ཀਓტౠٙ؍ڦ່ٙڦ΂ၾ˕
ၣ༩ATMһ݊ѐ࣮༐ٙ˾ڌ છவࡈ100Ĉ਷ᐄږછeϵ ܵf

10 ̨ᝄვБ࢕2016.10˜໮