The Disruptive Innovation in FinTech and the Impacts on Platform Transformation of Financial Industry
|關鍵字:||金融科技生態系;獲利模式;平台經濟;價值創新;線上線下虛實整合;Fintech ecosystem;Profit model;Platform economy;Value innovation;Integration online to offline|
As the mobile technology hardware and software developing rapidly, the wave of digital finance launched the innovation of financial industry. The Fintech waves are indeed impacting and challenging the traditional finance. The purpose of this study was to explore the financial industry could transform to a new financial ecosystem through cross-border cooperation as well as the platform mode of integrating existing resource, develop both online and offline marketing jointly, are needed to research. This study uses Market, Institution and Technology model as the main framework of analysis, exploring the limitations and challenges the traditional finance faced in the three dimension of Market-Institution-Technology. The point is to discover the driving forces that transforming the existed advantages of traditional finance and to design a new fintech ecosystem by the transformation mechanism underline the thinking of platform economy. The financial industry meets the impacts of disintermediation from science and technology. It needs to construct financial infrastructure as the foundation to create a transformation platform through the combination of finance and technology. And trigger the interaction between two or many sides of the platform, with a new form of finance as the core. Drive the diffuse development between finance and associated industries and give a multiplier effect, forming a new financial ecosystem which marketing includes online and offline jointly. “Connecting Market-Institution-Technology together could generate the power that drives for changes.” Fintech is not simply the input of science or technologies, but the change of thoughts. Drive though the three reciprocal aspects of the changing of operation model, the reforming of institutions, the innovating of technologies and the financial industries renovate its values and the Entrepreneurial Spirit.