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未來商家將使用個人生物識別來確定你是誰。顧客的眼睛、臉部、指紋、行為和習慣都將作為他們的證件和數位身分。
ږፄ߅ҦვБٙڦุ̔͜ਕ˚ूෂ ϓᐏлঐɢڗಂɨf
୕ვБ˓ʕྮ՟ᚥ܄̹̕ଟdீཀҷഛᚥ ΪϤdܔͭձڭवɓࡈڦ̔͜੶ʷ
܄༟ࣘ༶͜dуԸІڦ̔͜ପۜԷνऊ ഄଫdՈϞᆽᅰЗʷͦᅺdஷ੬݊ɓ
൬ݺਗٙᅰኽd˸کฆሜՉପۜၾʹɸ ვБᅰЗᔷۨʔ̙אॹٙʱf؇
ቖਯՉ˼ପۜdԷνዄڭ൲ಛeπಛପۜ ASEANήਜٙɓԬᜑᒈැܼ̍j
ձڭᎈf
ӺɰʊูήᜑͪdԟԬ࿔чч 數位身分識別
ኹᅰЗʷၾᇠ࿔ሜุਕ˸ձ܄˒ᅰኽ
ɓߧٙვБd̙ঐึᘱᚃݴ̰ᚥ܄dϾி Դ͜16Зᅰ೯̔БᗆйᇁPANٙ
In more developed markets, well-defined keeping up. This is particularly relevant to
card strategies increasingly tie in with banks’ younger and millennial customers that, as a
digital transformation agendas, resulting in group, are particularly sensitive to a bank’s
improved customer experiences. At the same digital offerings.
time, for a number of reasons (including existing Card businesses of fintech banks have
infrastructure that is costly to transform and been increasingly taking customer market-share
organizational culture that is mismatched to from traditional banks by improving their use
customer needs), the cost pressures that can be of customer data, i.e. data derived from card
brought to bear from newer and fintech banks offerings (such as spending activities), in order
can have a real impact on traditional banks’ to fine-tune their products and to cross-sell
ability to retain customers. Newer banking other products such as secured lending, deposit
sector-entrants, such as fintech banks, remain products and insurance.
nimble and are generally better able to adapt Research has also clearly shown that those
to the needs of their customers, whereas banks that are slow to embrace digitalization
traditional banks often have greater difficulty and adapt their businesses to align with
2024.8 台灣銀行家 91
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