Page 95 - the taiwan banker 2024.08(176)
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我們將日益見到銀行和金融服務融入顧客體驗當中，嵌入式金融也將繼續在區域和全球保持快速成長軌道。
˒ڭܵһԳٙɓߧdԨ৷܄˒ڭ 南 Southeast Asia Commercial Joint Stock
वଟe׀༐ܓձʹɸቖਯዚึf（本文 Bank（SeABank）的獨立非執行董事，領
作者為一位國際銀行家，在澳洲、亞洲 導亞洲一家商業銀行進行風險轉型，包括
和 歐 洲 擁有20多年的專業經驗。他是越 檢討信用卡業務策略；譯者為楊芙宜）
analysis and fraud detection, among other customers can use rideshare and food delivery
uses. Caution is still needed, and the way AI services without having to engage with their
is used may entail ethical implications, but we financial institution. We will increasingly see
may eventually see full automation of some banking and financial services embedded into
advisory services. customer experiences. Embedded finance will
also continue on a rapid growth trajectory,
Embedded Finance both regionally and globally.
The above trends should be noted
Embedded finance has been defined with some caution as technologies, ethical
as the integration of banking and financial considerations, the regulatory environment,
services into non-financial services such as and customer needs continue to evolve.
online shopping platforms – for example, On that note, banks that build an effective
Shopee, a common shopping platform in card business strategy into their digital
Taiwan and a number of other countries transformation agenda are more likely than not
regionally. Another example of embedded to experience better alignment with customers
finance is Uber (and Grab, a similar service over time, and increased customer retention,
operating in Southeast Asia), whereby loyalty and cross-selling opportunities.
2024.8 台灣銀行家 95
1 5% JOEE
