Bank 3.0 Digital Bank Bank 3.0 Digital Bank / / 2013 Bank 3.0 Why Banking Is No Longer Somewhere You Go, But Something You Do. (Brett King) IBM Bank 3.0 2014 Digital Bank Strategies to Launch or Become a Digital Bank (Chris Skinner) Bank 3.0 Digital Bank Bank 3.0 Digital Bank Bank3.0 (always-on) www.fisc.com.tw 17
Bank 3.0 Digital Bank (De-banked) (Social media) (Always Banking, Never at a bank.) ) Banco Sabadell Barclays Bank First Direct SWIFT ; Fidor Bank mbank Moven Simple M-Pesa The Currency Cloud Bitcoin Digital Bank (Social banking Social finance Social money Bank 3.0 Digital Bank ( ) 18 / No.83 / 2015.07
Bank 3.0 Digital Bank Internet of Things) ( ) ( ) Bank 3.0 Digital Bank (Omnichannel) (Omnicustomer) ( ) KYCC KYC (Know Your Customer) KYCC (Know Your Customer s Context) (IoT ( ) 86 103 86 5,181 103 6,055 17 17% (ATM) ATM 86 11,296 103 27,098 140% ( 1) www.fisc.com.tw 19
Bank 3.0 Digital Bank 1 ATM ATM 86 5,181 4.02% 11,296 8.0% 87 5,368 3.61% 12,633 11.8% 88 5,531 3.04% 13,683 8.3% 89 5,636 1.90% 14,894 8.9% 90 5,841 3.64% 15,951 7.1% 91 5,850 0.15% 16,787 5.2% 92 5,930 1.37% 19,097 13.8% 93 5,922-0.13% 21,449 12.3% 94 5,943 0.35% 24,212 12.9% 95 5,970 0.45% 24,783 2.4% 96 5,977 0.12% 25,121 1.4% 97 5,991 0.23% 25,560 1.7% 98 5,973-0.30% 25,399-0.6% 99 5,989 0.27% 25,702 1.2% 100 6,016 0.45% 25,660-0.2% 101 6,034 0.30% 26,608 3.7% 102 6,050 0.27% 26,832 0.8% 103 6,055 0.08% 27,098 1.0% ( ) 98 103 ATM ATM ( 1 ) ATM ATM ATM 55% ATM 32% ATM 20 / No.83 / 2015.07
Bank 3.0 Digital Bank 1 ATM ATM POS P2P O2O / 1. Bank 3.0 / 2013.10 / Brett King 2. / 2014.10 / Chris Skinner 3. (http://www.cbc.gov.tw/ct.asp?xit em=26178&ctnode=532&mp=1) 4. ATM (http://www. banking.gov.tw/ch/home.jsp?id=157& parentpath=0,4&mcustomize=bstatisti cs_view.jsp&serno=201105120001) www.fisc.com.tw 21