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〵抓ꆄ輑猰䪮涮㾝⦐ꡠ꒳㉏겗100

㸞⣶⟱噠盘椚肆⟨剤ꣳⰗ字㕜 109䎃 7 剢

〵抓ꆄ輑猰䪮涮㾝⦐ꡠ꒳㉏겗100Questions: FinTech Development in Taiwan100

© 2020 㸞⣶⟱噠盘椚肆⟨剤ꣳⰗ⤚莅榰㡦岁䖒㻜넓 KPMG International Cooperative ("KPMG International") 湱ꡠ耢涸 KPMG 栬用䧭㆞堥圓笪騟Ⰹ⛓䧭㆞堥圓冸⚥螠字㕜岁䖒♴⛓肆⟨剤ꣳⰗ晝奚䨾剤⥃殆䨾剤奚ⵄ

Contents


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ꡠ倴劥ⴚ暟 About

箔饱 Introduction

KPMG 矦➝ About KPMG

莅㋲⡙ Part ic ipants

䲀讄䎸 Recommendat ions

⡲罏䎸 Edi tor 's preface

鎊 Foreword

椕 F i n Te c h涮㾝馸 Global F inTech Development Trends

〵抓 F i n Te c h涮㾝植屣 Current Development of F inTech in Taiwan

ⴚ暟ꅾ럊侮椚 Publication Highlights

100 겗Ⰹ㺂 Top 100 Questions

0 Ⱏず鎣锸陾겗 Topics of Joint Discussion

1 K Y C魨ⴕ뀿阮 KYC Ident i ty Authent icat ion

2 佅➰ Payment

3 须劥䋑㜥莅頿㺢盘椚 Capi ta l Markets and Wealth Management

4 頿竤稇귢莅♧菛䚍陾겗 F inancia l L i teracy and General Issues

5 㹐䨩莅 Customer Part ic ipat ion

6 湌椚猰䪮 Regulatory Technology

7 ⥃ꦖ猰䪮 Insurance Technology

8 兜䟃ꆄ輑 Inc lusive F inance

⟝ Appendix

1 0 0㉏겗籏邍程䒸 Index Table of Top 10 0 Quest ions


ꡠ倴劥ⴚ暟箔饱

KPMG 矦➝莅㋲⡙䲀讄䎸⡲罏䎸About

IntroductionAbout KPMG Participants

RecommendationsEditor's preface


箔饱 Introduction

椕ꆄ輑猰䪮䫏须䭰糵攨窄涮㾝❏㣖㖒⼦涸倞ⶾ⟱噠刿僽鴾鸠䄖饱猰䪮䌟⢵涸倞莇㉂噠垸䒭佖隶✫嶋顥罏涸欰崞㘗䢀〵抓ꆄ輑猰䪮欴噠㖈ꆄ盘剚涸佞⿻ぐ秹佟䏎㋲⡙涸⼿⸔♴姻㖈鷷姿蟠蔡䧭搭罜竸錚ぐ㕜ꆄ輑猰䪮涸涮㾝莅鋊垸〵抓㼿㿂饱姿ꥣ媯㥶⡦腋䘰鸠鵔걧馜♳䧭捀䧮㕜ꆄ輑猰䪮涮㾝⛓ꡠ꒳㉏겗剤ꙧ倴姽KPMG 㸞⣶⟱噠盘椚肆⟨剤ꣳⰗ⚥螠ꆄ輑猰䪮欴噠⤛鹎剚 CRIF ⚥螠䗚⥌䨾⟃⿻匌倰䘰箁笪窄䋑锅㖈 2019 䎃䏁Ⱏず鼝锞佟䏎湱ꡠ㋲⡙嶋顥罏ꆄ輑噠ꆄ輑猰䪮噠⟃⿻劍ꡠ䗱ꆄ輑猰䪮涮㾝涸㷸罏㼠㹻Ⱏず莊鳵չ〵抓ꆄ輑猰䪮 100⦐ꡠ꒳㉏겗պ锸㠢诔歋滞➃涸莅䙼罌⚛翹搋ⴀ〵抓ꆄ輑猰䪮涮㾝涸ꡠ꒳㉏겗剚䖕刿Ⱏず䕀管湱ꡠ须俲⚛ⴀⴚ䧭ⱁ劍劆腋鷴麕姽⟨㜡デ㖈欴㸽㷸ぐ歲涸鸒⸂ざ⡲♴鷷姿鍑对植剤㉏겗雊嶋顥罏〳⟃❧「ꆄ輑猰䪮ⶾ倞䌟⢵涸⤑䰦莅㸞涸剪雊〵抓ꆄ輑猰䪮涮㾝艁姿騈♳❏㣖椕馸

Global FinTech investment continues to develop vigorously, and startups in the Asia-Pacific region are rising rapidly. Technology-led new business models have changed the lifestyle of consumers. The development of FinTech in Taiwan is sprouting and growing with the open up of Financial Supervisory Commission, R.O.C. and government cooperation across all levels. However, looking at the development and scale of FinTech in various countries, Taiwan is still at the stage of initiation. How to catch up quickly has become a key issue of Taiwan FinTech development.

Given this identified issue, KPMG Advisory Services Co., Ltd., together with FinTech Industry Development Association(FIDA), CRIF China Credit Information Service, Ltd., and Eolembrain Co., Ltd., the Taiwan FinTech Top 100 issues forum in the end of 2019. The forum gathered interested stakeholders across public sectors, academics, f inancial institutions, and FinTechs to give thoughts and comments on FinTech development issues in Taiwan. We expect the publication of Taiwan FinTech Top 100 Issues stimulates cross-sector cooperation and bring solutions to identified issues. Ultimately, end-users and consumers may benefit from the convenience and secured services of FinTech innovation.

KPMG 〵抓䨾侸⡙ⶾ倞剪斊麌KPMG 〵抓䨾ⶰ㛂遤ꆄ輑剪欴噠⚺䭰剚鎙䌌


ꡠ倴劥ⴚ暟 | 7

KPMG 矦➝About KPMG

KPMG 〵抓䨾娜竤㢵䎃♶倬涸涮㾝莅䧭湡剤馄麕 120 ⡙㛂噠剚鎙䌌⿻⟱盘곃㉏瘞頾顑➃⿻馄麕 2,400 ⡙ず➋剪亙럊麒⿻〵⻍倞畾〵⚥〵⽂넞꧆❀㣐㙹䋑捀湡㕜Ⰹ剓Ⱘ鋊垸涸剚鎙䌌✲䨾⿻㼠噠镪鑉剪穉籽⛓♧KPMG 㸞⣶⟱噠盘椚肆⟨剤ꣳⰗKPMG 㸞⣶⟱噠盘椚肆⟨剤ꣳⰗ捀 KPMG 㖈〵抓鱨♴穉籽⛓♧Ⱖ劍幀置侸⡙涮㾝陾겗⼿⸔⟱噠鍑对侸⡙鱲㘗㔮㞯诔歋侮ざ㕜ꥹ须彂⚛莅㖈㖒䱺鮨䌟걆㼠噠㕰䲿⣘侸⡙涮㾝瘼殜⿻鱲㘗鋊ⷔ䩧鸤⟱噠斊麌倞腋⟃䧭捀〵抓欴噠剓剤影䏞涸侸⡙鱲㘗䲀䩛捀湡垦䲿⣘⺫䭍侸⡙鸒騟㹐䨩竤斊欴ㅷ莅剪涮㾝鋊ⷔ㹐䨩넓뀿瘼殜⟱噠斊麌垸䒭鏤鎙ⶾ倞猰䪮䥰欽瘞剪

KPMG Taiwan has experienced continuous growth in recent years, with over 120 certified public accountants and advisory executives, as well as over 2,400 general colleagues. KPMG Taiwan service bases are located in Taipei, Hsinchu, Taichung, Tainan, and Kaohsiung, and is currently one of the largest accounting firms and professional advisory service organizations.

KPMG Advisory Services Co., Ltd.KPMG Advisory Services Co., Ltd. is one of KPMG's subsidiary organizations under the jurisdiction of Taiwan. KPMG Advisory has been deeply involved in digital development issues for a long time, assisting enterprises to solve the dilemma of digital transformation. By integrating international resources and connecting with local areas, KPMG provides digital development strategies and transformation plans to create new momentum for business. KPMG Advisory aims at being the all-round leader of digital transformation in Taiwan, providing services including digital channel management, product and service strategic planning, customer experience strategy, enterprise operation model design, and innovative technology applications, etc.


莅㋲⡙Participants

CRIF ⚥螠䗚⥌䨾CRIF ⚥螠䗚⥌䨾捀〵抓剓㣐㉂噠镪鑉Ⱇ荈 2016 䎃㨥琎噲鱲㘗䧭捀ꆄ輑猰䪮噠罏ꤑ✫㔔䥰佞ꋓ遤嵠惐䧭捀䭸垦䚍涸 TSP噠罏⛓㢫刿㼬Ⰵչ䗚⥌猰䪮պ(CredTech) ⟃䌟䗚⥌欴噠⛓ⶾ倞CRIF ⚥螠䗚⥌䨾荞⸂倴䧭捀ꆄ輑噠罏涸剓⢕㣎⠶⛓㢫⛳䋞劆㖈⦐➃⟱噠莅ꆄ輑堥圓⛓䪐怵刿ꅾ銴涸⚥➝錬蒀⟃ⶾ倞猰䪮䩧鸤刿㢵ⶾ倞剪䧭捀〵抓䗚⥌걆㚖涸⯓뀝罏CRIF China Credit Information Service, Ltd.CRIF China Credit Information Service, Ltd. is the largest business consulting company in Taiwan. Since 2016, it has actively transformed into a FinTech operator. In addition to becoming an indicator of Third-party Service Provider (TSP) in response to the Open Banking wave, it has also introduced "CredTech" to drive up innovations in the credit information industry. CRIF China Credit Information Service, Ltd. is committed to becoming the best partner of financial service providers and also hopes to play a more important intermediary role between individuals, enterprises and financial institutions, create more innovative services with innovative technology, and become a pioneer in Taiwan's credit information field.

⚥螠ꆄ輑猰䪮欴噠⤛鹎剚 (FIDA / FinTech 欴⤛剚 )

⚥螠ꆄ輑猰䪮欴噠⤛鹎剚僽♧⦐⡙倴〵抓栬用麌⡲⚛剓Ⱘ䕧갠⸂涸ꆄ輑猰䪮ꬌ斊ⵄ穉籽䧭用㸻傌㖈倴⼿⸔〵抓涮㾝ꆄ輑猰䪮ⶾ倞欴噠ꤑ✫莅㕜ꥹꆄ輑猰䪮噠罏䧴穉籽❜崩㢫刿䪐怵剚㆞莅佟䏎堥圓♧⦐彘鸒➝⚛㼟欴噠须鎝ⴕ❧窍湱ꡠ佟䏎㋲⡙⚛⼿⸔剚㆞栽䖤ⶾ倞涮㾝噠儘銴涸䍲⸔湡⼿剚莅껻度倞⸈㗗岲㕜榰Ⱙㆁ讍⯘瘞㕜ꥹꆄ輑猰䪮⼿剚㖳箎穡耢湅⼿⸔꧱倰剚㆞✽⸔❜崩ず儘湡剚㆞➃侸♳⼪➃⺫䭍ꆄ輑猰䪮傂剤ꆄ輑湱ꡠ噠罏岁䖒歲㷸遯灇瑖堥圓⟃⿻笪騟醢鸤莅㈒噠罏瘞FinTech Industry Development Association (FIDA)FIDA is an independent and most influential FinTech nonprofit organization in Taiwan. It was established to assist Taiwan in the development of FinTech innovation industry. In addition to communicating with international FinTech companies and organizations, it also acts as communication interface of the members and governments, sharing industry information with relevant government units, and assisting the members in innovative business development. At present, FIDA has formed alliances with international FinTech associations in Hong Kong, Singapore, Thailand, Sweden and Kazakhstan to assist the members of both parties to exchange and give mutual supports. Meanwhile, currently, the number of FIDA members is over 1,000, including: FinTech, existing financial related institutions, legal profession, academic institutions as well as operators in the Internet, manufacturing and retailing industry.

匌倰䘰箁笪窄䋑锅⤚歋匌倰箁♳ Eastern Online穡ざ㕜ꥹ濼そ笪騟锅叆ⰗEmbrainⰟず侮ざ䋑㜥遤ꌼ灇瑖涸䪮遯莅须彂ざ⡲䧭用Ⱘ겮銼⫄窡涸笪窄䋑锅Ⱇ⚛圓眡✫侸⡙⻋涸䋑㜥须鎝製꧌䪮遯倴笪騟䎂荩♳䲿⣘腋黠儘涸䋑㜥灇瑖竤뀿莅䪮遯⚛颭✮鴾鸠⽰儘ⶾ倞涸㼠噠礶牟雊䋑㜥灇瑖〳庠ꆀ䚍刿矦㋲顥欽刿剤䨾⧩匌倰䘰箁湡乩剤 20蠝㻜そ䋑锅剚㆞⟃姽剚㆞须俲䏨捀㛇瀖䲿⣘㛚㻜〳ꬒ涸嶋顥罏ꆀ⻋⥌䜂넞佪桧莅刿矦㋲涸锅叆崩玑⚛礶焷涸ⴕ區须鎝窍✮⟱噠莅⦐➃僽䧮⦛䧭用涸剓㣐㸻傌EOLembrainEOLembrain is a collaboration between Eastern Online and the internationally renowned Internet research company Embrain to integrate marketing research technology and resources. This allows them to jointly establish a network marketing company that subverts the traditional network and builds a digital market information collection technology. It provides a well-rounded and timely market research experience, and endows the professionalism of "rapid, instant and innovative" to make the market research measurable and cost-effective. EOLembrain currently has 200,000 authentic survey members. Using this member database as the cornerstone, it provides solid and reliable consumer quantitative information, high efficiency, and a simple investigation process. Its accurate analysis of information for both companies and individuals is our biggest tenet of establishment.


ꡠ倴劥ⴚ暟 | 9

ꆄ輑猰䪮㖈〵抓䩞㨥蟠蔡湡ꆄ輑猰䪮欴噠⛳㼿劢剤僈焷涸⚺盘堥ꡠ㣐鿈⟨涸嶋顥罏⛳鼩♶僈澗⫄窡ꆄ輑噠莅ꆄ輑猰䪮噠涸䊴殯搭罜鏪㢵⚺崩㕜㹻㖈㼩ꆄ輑猰䪮涸嵠惐♴♶㼱鿪䬘ⴀ✫僈焷涸㕜㹻涮㾝佟瘼⢵佅䭰Ⱖ㕜Ⰹ涸ꆄ輑猰䪮涮㾝殗界ꆄ輑猰䪮韍䗚衽侸⡙竤憘畹飓ㆪ䨞罜倞⸈㗗刿⟱㕬麌欽琎噲涸佟瘼⢵䵻♴❏崎ꆄ輑猰䪮涸銽奚荈2016 䎃饱⤑⚺㼬〮꧌佟䏎ꆄ輑噠罏莅ꆄ輑猰䪮噠罏Ⱏず鎣锸翹搋ⴀ倞⸈㗗 100 ⦐ꆄ輑猰䪮ꡠ꒳㉏겗⛓䖕⤑ꆚ㼩㉏겗䲿ⴀ鍑对倰呪罜䪪♶ⵌ用⽰鍑岁涸㉏겗⛳㖈倞⸈㗗ꆄ輑猰䪮㎗䎃螠⚥⟃莊鳷랲㹐匡倰䒭⢵贫〮鍑岁⢪䖤Ⱖ㕜㹻꣖燘ꆄ輑猰䪮涸涮㾝㉏겗〳⟃♧♧鄄㼩鄄鍑对姽妄㖈 KPMG 㸞⣶⟱盘CRIF ⚥螠䗚⥌䨾⟃⿻匌倰䘰箁笪窄䋑锅涸⼿⸔♴䧮⦛꧌ざ✫佟䏎湱ꡠ㋲⡙⟃⿻ꆄ輑噠ꆄ輑猰䪮噠瘞噠歲㷸歲➿邍⦛Ⱏ 400 㢵➃妄Ⱏず莅鎣锸⚛翹搋✫䧮⦛㕜㹻ꆄ輑猰䪮涮㾝涸ꡠ꒳㉏겗ⱄ竤歋 KPMG㸞⣶⟱盘涸侮椚侮䖕ꆂ幢鸏❉ꡠ꒳㉏겗럊劢⢵刿劍䖊糒糵鸏垺涸欴㸽⼿⡲♧뢶⢵䍲⸔〵抓涮㾝䧮⦛荈䊹涸ꆄ輑猰䪮ⶾ倞欴噠雊〵抓涸侸⡙竤憘♶衆➃䖕

FinTech is just begin to sprout in Taiwan. At present, the FinTech industry has not yet had a clear competent authority, and most consumers have yet to understand the difference between the traditional financial industry and the FinTech industry. However, in the face of the wave of FinTech, many countries have drawn up explicit national development policies to support their domestic development of FinTech. After all, FinTech symbolizes the outpost of digital economic competitions, and Singapore has tried to use active policy to seize the hegemony of FinTech in Asia. Since 2016, it has led the convening of government, financial institutions and FinTech companies to propose 100 FinTech Problems to Solve for Singapore. They futher forward solutions to identified problem, and solve remaining problems by calling for FinTech Hackcelerators in the Singapore FinTech Festival, so that the treadstone of FinTech development is removed one after one.

With the support of KPMG Advisory Services Co., Ltd., CRIF China Credit Information Service, Ltd., and Eolembrain Co., Ltd., we gathered more than 400 professionals from governments, the financial industry, the FinTech industry, and other industry and academia representatives to participate in this discussion and focus on the key to the development of FinTech in our country. The problems will be sorted out and clarified by KPMG Advisory. In the future, we look forward to continuing such collaboration between industries and governments to develop our own FinTech innovation industry in Taiwan and keep Taiwan’s digital economy in pace with global trends.

⚥螠ꆄ輑猰䪮欴噠⤛鹎剚

椚✲ |嘥榰蓸FinTech Industry Development

Association

Director General | Joanna Yang

䲀讄䎸 Recommendations


〵抓涸ꆄ輑猰䪮㻜⸂佞門⚆歲Ⱖ㻜♶㺂㼭錐罜ꦑ衽ꆄ盘剚涸琎噲佞〵抓涸ꆄ輑猰䪮欴噠⛳ꦑ⛓㢵⯋涮㾝湱ꡠ涸欴噠䥰欽⛳♶倬涸䥰麌罜欰剤ꙧ倴姽CRIF ⚥螠䗚⥌䨾荈 2016 䎃㨥⽰琎噲鹎遤侸⡙鱲㘗莅 CRIF 籏Ⱇ涸Ⱏずざ⡲㼬Ⰵչ䗚⥌猰䪮պ(CredTech)ず儘⛳涮չAML/KYC ざ鋊㉏겗鍑对倰呪պչ⚥㼭⟱噠⥌欽괐ꦖ䎂〵 (MR.Report)պⰍ㣐ⶾ倞䥰欽剪ⵄ欽䓽㣐涸须俲䏨㣐侸亙穡ざ爢纈笪騟耫ꆀ⿻〥겳侸亙涸竸ざ鐱ⴕ⸈♳➃䊨兰䢵莅堥㐼㷸绢劍劆䲿⼮ꆄ輑湱ꡠ噠罏㖈鐱⠮⟱噠⥌欽괐ꦖ涸佪桧⿻姻焷䚍ꤑ✫䋞劆㔔䥰佞ꋓ遤嵠惐䧭捀䭸垦䚍涸TSP 噠罏⛓㢫刿劍䖊♳鶤Ⰽ㣐ⶾ倞剪⼿⸔ꆄ輑噠罏鍑对植遤 KYC 堥ⵖ㖈侮넓崩玑莅⡲噠佪桧♳涸汥럊⟃⿻鹎遤⚥㼭⟱噠䗚⥌儘须鎝♶駈涸ꨈ贖剓䖕䠮闒欴⤛剚嘥椚✲榰蓸KPMG 㸞⣶⟱盘飅斊麌⨀儫⟃⿻匌倰䘰箁笪窄䋑锅涸䫬䠦雊 CRIF ⚥螠䗚⥌䨾腋㣁Ⱏず莅շ〵抓ꆄ輑猰䪮涮㾝涸 100⦐ꡠ꒳㉏겗ո涸ⴀ晝㖈姽邪䗱劍劆诔衽劥剅涸ⴀ晝腋㣁䒸걆〵抓ⶾꆄ輑猰䪮涸倞私⯋

Taiwan's FinTech strength as placed in the global market is still fairly remarkable. Along with the successive open up of Financial Supervisory Commission, the FinTech development in Taiwan has been diversified and triggered relevant industrial applications. In view of this, CRIF China Credit Information Service, Ltd. has been actively undergoing digital transformation since 2016, and has cooperated with CRIF head office to introduce "CreditTech" (CredTech), and also develops "AML/KYC compliance solution", "Small and Medium-sized Enterprises Credit Risk Platform (MR.Report)" two innovative application services. CRIF expects to improve the efficiency and accuracy of corporate credit risk assessment for financial service providers by use of the powerful Big Data, the combination of social listening and the comprehensive score of alternative data, artificial intelligence and machine learning. In addition to becoming an indicator of Third-Party Service Providers (TSP) in line with the open banking wave, it also looks forward to providing solutions to the above two innovative services, assisting financial service providers in solving the critical points of the current KYC mechanism and operating efficiency in overall processes as well as the lack of information when conducting SMEs credit reporting.

Finally, we would like to thank Director General Rui-Fen Yang of FIDA, Wayne Lai from KPMG Advisory and Eolembrain Co., Ltd., for their support so that CRIF China Credit Information Service, Ltd. can participate in the compilation and publication ofշ100 Questions : FinTech Development in Taiwanո. We sincerely look forward to the publication of this book which brings in a new era of FinTech in Taiwan.

CRIF⚥螠䗚⥌䨾籏竤椚 |鿓凶謶CRIF China Credit Information

Service, Ltd.

General Manager | Alice Kuo

䲀讄䎸 Recommendations


ꡠ倴劥ⴚ暟 | 11

After the pandemic, businesses are waiting for resumption. The global economic development has undergone significant changes in quality and quantity. Although governments in all countries have adopted measures, the pandemic has struck certain impact on enterprises. At this most difficult time for enterprises, it is also the best time to develop digital finance. For example, work from home drives up the demand for digital platform, remote communication and information integration tools, and brings in opportunities for startups; social distancing and reduced-travel increase the willingness of contactless payment and online banking services, and thus bringing business opportunities in payment, e-commerce and stay-at-home economy field; SMEs are more willing to try P2P lending platform for micro loan in the lack of working capital,. Enterprises inevitably will encounter challenges and difficulties during the development of digital finance whether it is the technology use and development strategies of internal enterprises or the construction planning and legal regulations of the external environment. Many current difficulties in developing FinTech are discussed in <100 Questions : FinTech Develpoment in Taiwan>. We found that these problems require efforts of all parties to solve them. Therefore, focusing on thoughts of officials, experts, scholars, operators and consumers, we will define and discuss possible solutions and solutions to the difficulties of FinTech development in Taiwan. Through the concerted efforts of ever party, it is expected to form a Taiwan FinTech team to release Taiwan's FinTech energy and seize the chance on industrial transformation. We are very grateful for the assistance provided by FinTech Industry Development Association , CRIF China Credit Information Service, Ltd., and Eolembrain Co., Ltd., for helping to make this publication comprehensive.

氋䞕麕䖕涰噠䖊欺椕竤憘遤捀莅涮㾝「ⵌ颶莅ꆀ涸僈곏隶⻋ꧪ搭ぐ㕜佟䏎秼秼ⴀ䩛䯍佹➠㼩⟱噠鸤䧭♧㹁遼乹㖈鸏⦐⟱噠剓葾㔮涸儘ⵠ⽿⛳僽涮㾝侸⡙ꆄ輑涸剓㥪儘堥⢿㥶黇畮䊨⡲㟞⸈✫⟱噠㼩倴侸⡙䎂〵黇畮鸒鎝须鎝侮ざ䊨Ⱘ涸宠捀ぐ珏倞ⶾ噠罏䌟⢵堥剚⥃䭰爢❜騅ꨆ⿻幾㼱㢫ⴀ䲿⼮嶋顥罏⢪欽ꬌ䱺鍸䒭佅➰笪騟ꋓ遤瘞侸⡙ꆄ輑剪⛓䠑격捀佅➰㉂⟃⿻㸕竤憘䌟⢵㉂堥⚥㼭⟱噠㖈緄㼱须ꆄ斊麌涸䞕屣♴⛳刿격䠑㎲鑑箁♳㼭겙⦶顡涸 P2P 䎂〵 ⟱噠㖈涮㾝侸⡙ꆄ輑涸麕玑⚥䗳搭剚黩麂䮋䨞莅㔮㞯♶锸僽Ⰹ鿈⟱噠涸䪮遯麌欽莅涮㾝瘼殜䧴僽㢫鿈橇㞯涸䒊縨鋊ⷔ莅岁䖒鋊眕門㢵殹涮㾝ꆄ輑猰䪮涸㔮ꨈ럊鿪㖈շ〵抓ꆄ輑猰䪮涮㾝 100 ⦐ꡠ꒳㉏겗ո⚥鄄䲿ⴀ鎣锸䧮⦛涮植鸏❉㉏겗ꬌ䤊♧䊹⛓⸂〳⟃갫ⵄ鍑对㢵倰ざ⡲Ⱏず鍑对㔔姽䋞劆诔歋㸽倰㼠㹻㷸罏噠罏⿻嶋顥罏涸Ⱏず翹搋♧饱㹁纏⚂䱳鎣〵抓湡ꆄ輑猰䪮涮㾝䨾荆㔮ꨈ涸〳腋鍑岁⿻㔔䥰⛓麥劍䖊鷴麕滞➃鸒⸂ざ⡲穉䧭ꆄ輑猰䪮涸〵抓䵩♳姽岚欴噠鱲㘗堥剚腋㼟〵抓涸ꆄ輑猰䪮腋ꆀ䗣䏁ꅼ佞⛳ꬌ䌢䠮闒⚥螠ꆄ輑猰䪮欴噠⤛鹎剚 CRIF ⚥螠䗚⥌䨾⟃⿻匌倰䘰箁笪窄䋑锅㖈ぐ倰涸㣐⸂⼿⸔雊姽ⴚ暟腋㣁갫ⵄⴀ晝Ⰹ㺂刿⸈㸤荬

KPMG 〵抓䨾侸⡙ⶾ倞剪斊麌 |飅⨀儫KPMG Taiwan

Head of Digital | Wayne Lai

⡲罏䎸Editor's preface


鎊椕莅〵抓

FinTech 涮㾝Foreword

Global and TaiwanFinTech

Development Trends


椕ꆄ輑猰䪮㖈竤娜 2018 䎃涸㣐ꆀ䫏须䖕2019 䎃涸䫏须籏겙➠搭笞䭰湱㼩넞墂⭽盘❜僒籏侸莅籏ꆄ겙❉䗏♴⡎僽⚥鋊垸涸❜僒侸ꆀ姻㖈䧭⛳僽鵜 10 䎃⢵椕 FinTech 䫏须ꆄ겙妄넞涸♧䎃⚛⟃佅➰湱ꡠ걆㚖捀䫏须⚺鯥♶ず倴䎙䎃涸鑨겗拰⡲ぐ㕜䫏须➃涸鐱⠮垦彋䲿⼮ⴀ䩛隶䖤刿捀阌䢆⟃㖒⼦⢵溏繡崎ㄤ姘崎㖒⼦涸䫏须ꆄ겙涼䭰糵䧭罜❏崎殜䗏幾㼱2019 䎃椕䫏须 FinTech Ⱇ❜僒 2,693 瘘䫏须ꆄ겙麨 1,357 ⭚繡⯋佅➰⿻湌盘➠搭僽椕ꆄ輑猰䪮剓攨涸걆㚖⭽盘湌盘猰䪮䫏须籏겙剤䨾♴⡎❜僒ꆀⶾ♴倞私ꏗ姽㢫♶欴猰䪮涸䫏须⸂麥⛳湱殹䓽⸺䪮遯㾵♳笪騟㸞⿻⼦㝆ꕖ鿪䒸㣐ꆀꡠ岤笪騟㸞刿僽㈔♧籏겙ㄤ❜僒侸涼䭰糵䧭涸걆㚖ꧪ搭剤⚥繡顬僒筝䓹涸㽷ㄤ㖒箔佟屛♶焷㹁䚍⡎僽 2020䎃椕ꆄ輑猰䪮䫏须兞➠⼧ⴕ坿錚佞ꋓ遤 (Open Banking) ⟃⿻ AI 湱ꡠ䪮遯䥰欽鷷恸䧭擿㼟剚僽䌟♴♧岚椕 FinTech 䫏须涸ꅾ銴갪湡ꅾ銴ꆄ輑猰䪮걆㚖涸䪮遯䥰麌傈恸䧭擿㣐㘗ꆄ輑⟱噠㼟䭰糵鷴麕ざ⢘䧴⢘飑⟃栽《ⶾ倞欴ㅷ⿻剪罜「ⵌ椕倞㘗朜氻嫬氻 (COVID-19) 䕧갠鹎♧姿⸈鸠⟱噠侸⡙鱲㘗㼬Ⰵ黇畮䪮遯莅猰䪮䥰欽㣐㘗䫏须➃饿姽⢘飑⿻䫏须鹎遤䋑㜥殆䓽寧䓳〥♧倰字滞捀✫⥃䭰爢❜騅ꨆ⿻幾㼱㢫ⴀ⛳㟞⸈✫⢪欽遤佅➰笪騟ꋓ遤瘞侸⡙ꆄ輑剪⛓䠑격

椕ꆄ輑猰䪮䫏须ꆄ겙笞䭰넞墂

6 Paytm — $1.7B, Noida, IndiaPayments / transactionsSeries G

7 eFront (France) — $1.3B, Paris, FranceInstitutional / B2BBuyout

8 Property Exchange Australia — $1.2B, Melbourne, AustraliaProptechM&A

9 Investment Technology Group — $1B, New York, USCapital marketsM&A

1 Worldpay — $42.5B, London, UKPayments / transactionsM&A

2 First Data — $22B, Atlanta, USInstitutional / B2BM&A

3 Dun & Bradstreet — $6.9B, Short Hills, USInstitutional / B2BBuyout

4 Assurance IQ — $3.5B, Bellevue, USInsurtechM&A

5 AliExchange — $2.1B, Tallinn, EstoniaCapital markets / cryptocurrencyM&A

10 SIA (Milan) — $894.8M, Milan, ItalyInstitutional / B2BBuyout

Top10 Global Fintech deals in 2019


鎊 | 15

After experiencing a lot of investments in FinTech in 2018, global FinTech investments in 2019 remained high although the total number of transactions and the total amount have declined slightly. However, the number of medium-sized transactions was growing, and the FinTech investment amount hit a second high in the past 10 years. Of which, payment related investments were the key driver of the FinTech investment growth in 2019. Different from the hype in the past few years, the investors' evaluation standards are on the rise. Hence, they have become more cautious to invest. Regional-wise, the amount of FinTech investments in America and Europe continued to grow, while in Asia it decreased slightly. In 2019, there were 2,693 transactions in global FinTech investments, and the investment amount reached USD 135.7 billion. Payments and regulatory technology are still the hottest issues of global FinTech field. Although the total investment amount of regulatory technology has declined, the transaction volume has reached a new record. In addition, investment in real estate technology is also quite strong. On the technical level, cybersecurity and blockchain have drawn a lot of attention, and cybersecurity is the only sector where the total amount and the number of transactions grow continually.

Despite the tension of US-China Trade War and geopolitical uncertainty, the prospects for global FinTech investment in 2020 are fairly promising. Gradually matured Open Banking and the application of AI-related technologies will be the critical drivers of global FinTech investment. Pivotal FinTech technology applications are getting mature, and large financial companies will continue to obtain innovative products and services through mergers or acquisitions. Under the impact of COVID-19, enterprises accelerate the digital transformation and introduce remote technology and various applications. Large investors take advantage of this to stay strong via M & A and investments. On the other hand, social distancing and reduced travelling trigger willingness to the use of digital financial services, such as mobile payment and online banking.

Global investments in FinTech remains a peak

Source: Pulse of Fintech 2019, Global Analysis of Investment in Fintech, KPMG International (data provided by PitchBook), as of 31 December, 2019.

椕 Fintech 䫏须❜僒ꆄ겙莅瘘侸Worldwide FinTech investment transaction value and the number of deals

Total investment activity (VC, PE and M&A) in fintech2014 - 2019


䏞麕♲㷎涸⡜럊䖕❏㣖㖒⼦ꆄ輑猰䪮䫏须籏겙㖈 2019 䎃䏁ⴀ植✫䓽⸺䔞⚥㕜ꤑ✫ P2P ⦶顡걆㚖「湌椚堥ꡠ涸⸂麥䲿⼮罜❉䗏♴䕧갠㖈佅➰걆㚖⡥亙걆㼬㖒⡙涸㣐㘗猰䪮Ⱇ糒糵㼠岤㖈仍㣐⚥㕜⟃㢫涸晝㕬輯迎ꆄ剪 2019 䎃劣㖈倞⸈㗗䲿❜✫侸⡙ꋓ遤㛂撑歍锞罜꿴鎝㖈⚥㕜⟃㢫㖒⼦ ( ⢿㥶呏䒄 ) 鹎遤㣐ꆀ䫏须⽫䏞涸ꆄ輑猰䪮䫏须ⶾ♴娜䎃倞넞歋倴㼿剤鏪㢵搂ꋓ遤䌙䨩䧴剤顡妵宠涸劢⢵㹐彂〳⟃涮㾝佅➰莅⦶顡僽Ⱖ剓攨걆㚖侮넓罜鎊❏㣖㖒⼦涸 FinTech 䫏须䞕屣㢵⯋鞮㺢㽍Ⱖ倞涸 FinTech Ⱇ㖈匌⽂❏㥶ꨎ䖕僱瘧菛涸䧭用GO-Jek 僽⽫㽳晝涸 Uber䖰麌鱒饱㹻鹎罜遥欰ⴀ♧禺涸剪⢿㥶 GO-BILLS 䍲⡹➰䌙㋲GO CLEAR 䍲⡹䩧䰿㹻酭䒊用荈䊹涸欰䢀㕖Ⱏ❧麌鱒Ⱇ Grab 㖈岲㕜䩧侁 Uber䩛堥ꐏ⺫Ⱇ Momo 㖈馊⽂鷷恸䄖饱〳⟃溏ⵌ⽫䏞⽫㽳馊⽂岲㕜鸏❉➃〡秋ⵄ륔㣐竤憘䧭饱굳涸匌⽂❏ FinTech话嵳䋑㜥姻「ⵌ椕䫏须罏涸漐䘰鸠䧭〥♧倰껻度倞⸈㗗〵抓ⴕⴽ涮ⴀ 8 䓹5 䓹3 䓹侸⡙ꋓ遤㛂撑⛳갸鎙剚僽❏㣖㖒⼦ FinTech ♴♧ꥣ媯涸涮㾝ꅾ럊蕰竤斊䧭⸆Ⱖ竤뀿㼟捀❏㣖㖒⼦䌟⢵刿㢵 FinTech 䫏须莅㉂堥

❏㣖㖒⼦涰蔅뢶佞鷷恸䄖饱

1 Paytm — $1.7B, Noida, IndiaPayments / transactionsSeries G

3 Lotte Insurance — $339M, Seoul, South KoreaInsurtechBuyout

2 Property Exchange Australia — $1.2B, Melbourne, AustraliaProptechM&A

6 Judo Capital — $279.6M, Southbank, AustraliaLendingBuyout

4 Vietnam Payment Solution — $300M, Hanoi, VietnamConsumer financePE growth

5 Ouyeel — $292.7M, Shanghai, ChinaInstitutional/B2BLate-stage VC

7 PolicyBazaar — $238M, Gurugram, IndiaPersonal financeSeries F

8 WTOIP Intl. — $224.8M, Guangzhou, ChinaCrowdfunding platformLate-stage VC

9 Blockchain Exchange Alliance — $200M, Seoul, South KoreaCryptocurrency/blockchainLate-stage VC

Edaili — $200M, Shanghai, ChinaInstitutional/B2BSeries D

10

Top 10 f intech deals in Asia Pacif ic in 2019


鎊 | 17

Source: Pulse of Fintech 2019, Global Analysis of Investment in Fintech, KPMG International (data provided by PitchBook), as of 31 December, 2019.

After the lows of the past three quarters, the total FinTech investment in the Asia-Pacific region showed a strong rebound at the end of 2019. However, FinTech investments in Mainland China were affected by the P2P lending monitored by the supervisory authority. Large technology companies that are leaders in the payment field continue to focus on expanding their territory in countries other than Mainland China. For example, Ant Financial filed the digital bank application in Singapore at the end of 2019, while Tencent made significant investments in venues (such as Argentina) other than Mainland China. India's FinTech investment has reached a new high. Since the number of applicants for bank accounts or loans is quite large, payments and lending are the most popular segment for FinTech deals in India.

Overall, FinTech investments in the Asia-Pacific region are diverse, especially in Southeast Asia where new FinTech startups have sprung up. GO-Jek is an Indonesian version of Uber. It has derived a series of transportation services, such as GO-BILLS (a payment system) and GO CLEAR (to help you clean your home) and built its own ecosystem. The transportation-sharing company Grab defeated Uber in Thailand, and the mobile wallet company Momo gradually rose in Vietnam. It can be seen that countries with a dense population in Southeast Asia, like India, Indonesia, Vietnam, and Thailand provide some of the most compelling evidence to date of the demographic dividend. The Blue Oceans of FinTech and economic growth in Southeast Asia are drawing investors' attention and posting a rapid growth rate. On the other hand, Hong Kong, Singapore, and Taiwan respectively licensed eight, five, and three local banks for digital banking, and is expected to be the next pivotal development of FinTech in the Asia-Pacific region. If the operation is successful, its experience will bring more FinTech investments and business opportunities to the Asia-Pacific region.

FinTech investments in the Asia-Pacific region rise

❏㣖 Fintech 䫏须❜僒ꆄ겙莅瘘侸Fintech investment transaction value and the number of deals in Asia Pacif ic

Total investment activity (VC, PE and M&A) in fintech in Asia Pacific2014– Q4 2019


㖈噠罏莅佟䏎涸⸗⸂⛓♴〵抓䎃遤佅➰涸⢪欽嫲⢿僈곏♳⼮䌟⢪欽㜥㚖䎃룲걽桧⿻嶋顥ꆄ겙涸㟞⸈笪騟ꋓ遤兰腋㹐剪椚頿堥㐼➃瘞倞剪⛳䎙⛖䧭捀ꆄ輑堥圓涸㛇劥ꂂ⪔鸏❉鿪곏鋅字滞㼩倴⤑ⵄ涸倞剪ꆄ輑猰䪮涸倞嚌䙂䱺「䏞鷷恸䲿넞㣐㘗ꆄ䱾鵜䎃刿僽⡲걽걽ぐ荈䧭用㹐䨩넓뀿侸亙ⴕ區瘞㼠顑㋲⡙❜ⴀ♶ꐫ䧭籑㋲佟䏎㖈 API 佞⦐须⥃隌阮ⵚ㘗➿䍤 (STO)瘞佟瘼⨞ⴀ논竁莅锅侮➛䎃秫笪ꋓ涸噠⛳湱殹⟂➃劍䖊䖕糵 5G 橇㞯䒊縨ⵌ⡙䖕噠罏〳䲿⣘刿㢵넞ㅷ颶⿻ⶾ倞涸剪侮넓⢵溏〵抓涸 FinTech 姻㖈鷷姿鹎⡎姿⠄莅Ⱖ➮㕜㹻涸涮㾝莅鋊垸湱嫲➠剤鹎姿瑠⢿㥶岁鋊涸논竁莅佞⦐须岁瑠剤岁鋊⡎ꨈ⟃㻜驏嶋顥罏♶濼㥶⡦⢪欽荈䊹涸奚ⵄ二䗱⦐须㢫崩噠罏幀䙲驴ⵌ秋箁涮㾝竁䩛竁艁㼬荞꧱倰鿪䫵䭰毠䣂〥♧⦐䮋䨞僽〵抓猰䪮腋ꆀ⨋ぢ炽넓緄⛘㣐㘗猰䪮鮿넓Ⱇ䌟涮㾝倞ⶾꆄ輑猰䪮Ⱇ鋊垸㼭⚂♶擿ꆄ輑岁鋊佦ⰶ劆㣐㘗ꆄ輑堥圓㢵莅倞ⶾꆄ輑猰䪮Ⱇざ⡲⢿㥶秫笪ꋓ㽠僽♧⦐ꆄ輑噠莅ꬌꆄ輑噠ざ⡲涸⢿㶩㼟ꆄ輑须彂䯄岤ⵌꆄ輑猰䪮欴噠涮㾝䩧鸤刿鞮㺢涸欰䢀㕖⛳〳㼩植剤涸ꆄ輑剪欴欰刿慨捙涸畹昰〵抓䧴鏪「ꣳ倴䋑㜥鋊垸莅ꆄ輑㕜ꥹ⻋玑䏞湡➠尝剤㣐㘗倞ⶾ FinTech 栬錬桊ⴀ植⡎刿ꅾ銴涸僽〵抓侮넓倞ⶾ橇㞯涸䒊用⟃⿻湱ꡠ➃䩞涸肬殆佟䏎㋲⡙蕰腋㢵⫙聃倞ⶾ噠罏䠑鋅䲿⣘葻㥪㊥涸倞ⶾ橇㞯㣐苠⨞ⴀ佖ꬠ莅佞䧴鏪〳⟃㛆귢刿㢵「㕜ꥹ䋑㜥濧湡涸倞ⶾ噠罏䌟〵抓侮넓 FinTech 涸欴噠涮㾝莅㉂堥♧䰿麕搂岁僈곏瑳灶涸㔮㞯䠮

〵抓姻鷷姿鹎⡎➠䖊瑳灶


鎊 | 19

Thanks to the efforts of part ic ipants and the Taiwanese government, the use of mobile payment in Taiwan increased significantly last year, driving up usage fields, age, frequency, and consumption amount; new services, such as web banking, smart customer service, and Robo-advisors have pretty much become essential to financial institutions. All of this shows that the general acceptance of new services and concepts in FinTech has risen. Large-scale financial holding companies were even more aggressive in establishing specialized units, such as customer experiencing and data analysis in recent years which brings efficiency and good performance. The Taiwanese government has loosened regulations and adjusted policies for API opening, personal data protection, and Security Token Offerings (STO). The opening of digital full bank this year is also very exciting. After the subsequent establishment of the 5G environment, participants can provide more high-quality and innovative services. Overall, FinTech in Taiwan is gradually advancing, but compared with the development and scale in other countries, there is still room for improvement.

Consumers do not know how to assert their rights as they worry about personal data breaches despite the loosening of laws and regulations. Because participants are also cautious to avoid personal data breaches, both consumers and participants remain doubtful. Taiwan has developed a strong heritage of hardware in the technology industry, which creates another challenge when facilitating FinTech since a large-scale software company is essential to lead its development. FinTech startups are often small-scale and unfamiliar with financial regulations, so they expect to work with large financial institutions. Digital full bank is an example of cooperation between the financial industry and non-financial industries, injecting financial resources into the FinTech industry, and intensifying competition within existing financial service providers.

Taiwan may be limited by the size of the market and the degree of financial internationalization. There are still no large-scale FinTech unicorns. However, it is more important to establish an overall environment for startups and cultivate relevant talents in Taiwan. If the government offers a friendly environment for startups based on their opinions and boldly makes reforms, perhaps it can train more startups that will draw worldwide attention in the international market and drive up FinTech development and business opportunities in Taiwan to make a breakthrough.

Taiwan is gradually advancing but still needs to make a breakthrough


FinTech涮㾝걆㚖湱殹㢵⯋呏亙⚆歲竤憘锸㠢ⴕ겳㼟 FinTechⴕ겳捀佅➰⥃ꦖ㶸顡硁须䫏须盘椚⟃⿻侸亙ⴕ區瘞Ⱉ㣐걆㚖劥ⴚ暟㔔䥰〵抓涮㾝植屣㖈姽㛇燊♳鹎遤锅侮ⴕⴽ䲿ⴀKYC魨ⴕ뀿阮佅➰须劥䋑㜥莅頿㺢盘椚頿竤稇귢莅♧菛䚍陾겗㹐䨩莅湌盘猰䪮⥃ꦖ猰䪮兜䟃ꆄ輑⟃⿻㖈ぐぢ㢵妄鄄䲿ⴀ涸Ⱏず鎣锸陾겗籏Ⱏ⛰㣐ぢ⡲捀姽妄ꡠ꒳㉏겗涸鎣锸ぢ

• Ⱏず鎣锸陾겗僽ぐぢ鄄㢵妄䲿ⴀ鎣锸涸㉏겗 僽や剤ꆄ輑猰䪮⿻⦐➃须俲⥃隌涸㼠顑⚺盘堥ꡠ⦐➃须俲涸奚ⵄ纏莅湱ꡠ噠佞鿪僽嶋顥罏⿻噠罏Ⱏずꡠ䗱涸陾겗葻㥪涸㹐䨩넓뀿僽劢⢵䧭⸆涸ꡠ꒳嶋顥罏劍䖊佟䏎⿻噠罏鷴麕佟瘼ㄤ䪮遯䲿⣘刿矦⤑䘰鸠涸魨ⴕ뀿阮倰䒭⿻须鎝剪䎂〵噠罏僽䋞劆佟䏎鷴麕ぐ䒭괐ꦖⴕ秹盘椚窍✮ⶾ倞噠佞刿㥪涸涮㾝橇㞯莅䔞䚍瑠⚛䒊用꧱倰佟瘼彘鸒䎂〵

• KYC 魨ⴕ뀿阮莅湌盘猰䪮⨋ぢ魨ⴕ뀿阮莅湌盘僽⚺盘堥ꡠ剓㖈䠑涸괐ꦖ䱾盘 ⦐须涸奚ⵄ僽や僈焷衆㻜顑⟤娝㿂㥶⡦⼦ⴕ钢阮玑䎸⛓侸⡙⻋莅须俲禺窡侮ざ⤑ ⵄ䚍佟䏎㥶⡦⼿⸔⚥㼭㘗噠罏㼬Ⰵ湌盘猰䪮䗚⥌⿻괐ꦖ须俲䏨涸䒊縨莅⚮䱺⢪欽

• 佅➰莅⥃ꦖ猰䪮僽䥰欽㜥兞眕㕠㣐莅字滞欰崞剓湱ꡠ顦ⴗ 㥶⡦鹎遤佅➰䊨Ⱘ莅禺窡涸侮ざ莅⥃䭰畹昰佞遤佅➰涸须㸞괐ꦖ䱾盘莅⤑ⵄ䚍 ⛓涸《䰎岁鋊㼩⥃ꦖ猰䪮䧴㉂ㅷ涸佞僽や剤湱ꡠ佟瘼⼿⸔⥃ꦖ騗欴噠涸须俲 ⚮䱺⿻侮ざ

• 须劥䋑㜥莅頿㺢盘椚兜䟃ꆄ輑僽䱳鎣硁须莅⦶顡瘞湱ꡠ陾겗 椚頿堥㐼➃涸괐ꦖ䱾盘⿻鋊眕ⵖ䏞倞㘗䢀涸硁须倰䒭銴ㆭ❉湱ꡠ岁鋊涸ꂂざ㥶⡦佖㊥䓳停纈涸ꆄ輑剪橇㞯佟䏎㥶⡦⼿⸔倞ⶾ⟱噠倞㘗䢀剪涸斊麌䧭

• 頿竤稇귢莅♧菛䚍陾겗㹐䨩莅僽䟝✫鍑字滞㼩ꆄ輑猰䪮钢濼玑䏞⟃⿻㻜ꥹ넓뀿♳ 涸汥럊 䖰來肬ㄤ䋑㜥ず儘鹎遤ꆄ輑濼陏⥌欽盘椚涸湱ꡠ䲀䑞 Open APIOpen

BankingTSP噠罏⛓涸盘椚괐䱾顑⟤娝㿂陾겗增鋕莅㹐䨩涸䱺鍸럊 佖㊥㹐䨩넓뀿㥶⡦렽⺑⼿⸔倞ⶾ噠罏莅字滞湱✽❜崩钢陏

ⴚ暟ꅾ럊侮椚 Publication Highlights


ⴚ暟ꅾ럊侮椚 | 21

F inTech's development f ie ld is qui te d iverse . According to the Wor ld Economic Forum classification, FinTech is classified into six major fields: payment, insurance, deposit and loan, financing, investment management, and data analysis. In accordance with the current situation of FinTech development in Taiwan, this publication adjusts the base and proposes 9 topics, including Topics of Joint Discussion, KYC (Know Your Customer), Identity Authentication, Payment, Capital Markets and Wealth Management, Financial Literacy and General Issues, Customer Participation, Regulatory Technology, Insurance Technology, and Inclusive Finance as key issues of this discussion.

• KYC Identity Authentication and Regulatory Technology are biased towards identity

verification and regulation, which are the risk control and the most concerned portion to

the regulatory authority

The highlight is whether the rights of personal data are clearly implemented, how to clarify responsibilities, the digitization of certification procedures, and the convenience of data system integration; how the government will assist small and medium-sized enterprises in construction and introducing regulatory technology, credit information, and risk database with real-time streaming process.

• Topics of joint discussion are issues that have been repeatedly discussed

The highlights include whether there is a special regulatory authority for the protection of FinTech and personal data, the rights and obligations of personal data, and the opening of related businesses, which are all issues of common concern to consumers and the participants. A good customer experiencing is the key to future success, and consumers expect the government and participants provide easier and faster identity verification methods and information service platforms through policies and technologies. The participants hope that the government will open up a better development environment and a flexible space for innovative business through various types of risk management, and establish policy communication platform for both parties.

• Payment and Insurance Technology are applied to a wide range of application scenarios,

which are the most relevant to people's lives.

The highlight is how to integrate payment tools and systems, maintain the competitiveness, and strike a balance between the security risk control and convenience of the opened mobile payment; whether regulations are opened to insurance technology or insurance products ties up with relevant policies to boost cross-industry information streaming and integration.

• Financial Literacy and General Issues as well as Customer Participation are to realize the

public's awareness of FinTech and the pain points in their experience.

The highlights are the promotion of f inancial knowledge and credit management from education, management, risk control, and attribution issues among Open API, Open Banking, and TSP operators. They also include a comprehensive review and customer contact points to improve customer experiencing as well as how to assist startups in their communication with the public.

• Capital Markets, Wealth Management, and Inclusive Finance discuss related issues such

as financing and lending.

The highlights are the risk control and standardization of Robo-Advisors, new-style financing methods, what relevant laws and regulations are needed, how to improve the financial service environment for vulnerable groups, and how the government assists startups and new-type services in growth.


⛰㣐ぢ겝蒀禺窡莅㕬爚 Color system and icons for each issue

0 1 2 3 4 5 6 7 8

1 KYC 魨⟨뀿阮KYC Identity Authentication 2 佅➰Payment

3 须劥䋑㜥莅頿㺢盘椚Capital Markets and Wealth Management

4 頿竤稇귢莅♧菛䚍陾겗Financial Literacy and General Issues

5 㹐䨩莅Customer participation

6 湌椚猰䪮Regulatory Technology 7 ⥃ꦖ猰䪮Insurance Technology 8 兜䟃ꆄ輑 Inclusive Finance

0 Ⱏず鎣锸陾겗Topics of Joint Discussion


Topics of joint discussion are issues that have been raised and discussed many times in this forum, with a total of 6 topics. The highlights include whether there is a special regulatory authority for the protection of FinTech and personal data, the rights and obligations of personal data, and the opening of related businesses, which are issues of common concern to consumers and participants. A good customer experiencing is the key to future success, and consumers expect the government and participants to provide easier and faster identity verification methods and information service platforms through policies and technologies. The participants hope that the government will open up a better development environment and flexible space for innovative businesses through various types of risk management and establish a policy communication platform for both parties.

Ⱏず鎣锸陾겗僽㖈劥妄锸㠢⚥㢵妄鄄䲿ⴀ鎣锸涸㉏겗Ⱏ剤 6 겗ꅾ럊⺫䭍 : 僽や剤ꆄ輑猰䪮⿻⦐➃须俲⥃隌涸㼠顑⚺盘堥ꡠ⦐➃须俲涸奚ⵄ纏莅湱ꡠ噠佞鿪僽嶋顥罏⿻噠罏Ⱏずꡠ䗱涸陾겗葻㥪涸㹐䨩넓뀿僽劢⢵䧭⸆涸ꡠ꒳嶋顥罏劍䖊佟䏎⿻噠罏鷴麕佟瘼ㄤ䪮遯䲿⣘刿矦⤑䘰鸠涸魨ⴕ뀿阮倰䒭⿻须鎝剪䎂〵噠罏僽䋞劆佟䏎鷴麕ぐ䒭괐ꦖⴕ秹盘椚窍✮ⶾ倞噠佞刿㥪涸涮㾝橇㞯莅䔞䚍瑠⚛䒊用꧱倰佟瘼彘鸒䎂〵

0 Ⱏず鎣锸陾겗Topics of Joint Discussion


0

01Q u e s t i o n

ꆄ輑猰䪮噠涸⚺盘堥ꡠ㼿劢僈㹁蕰腋僈焷⚺盘堥ꡠ刿〳⸈鸠䲀湱ꡠꂂ㤛涮㾝䲃倷⟃⿻䗳銴涸盘椚⾲

湡⼿⸔硁须⛓ꆄ輑猰䪮涮㾝湱殹㢵⯋㥶纈滞须➿䍤硁须P2P(Peer-to-Peer) ⦶顡瘞鿪僽倞莇盘麥⡎湡剤肆奚纈滞须⿻껷妄➿䍤涮遤 (Initial Coin Offering, ICO)歋ꆄ輑湌漛盘椚㨽㆞剚二⟤⚺盘堥ꡠⰦ➮噠䧴䪮遯㼿搂そ焷奚顑㋲⡙僒鸤䧭字滞莅噠罏涸錚劆ㄤ二䗱䒊陾〳⟃罌⚺崩㕜㹻⡲岁㥶薊㕜⟃ FCA(Financial Conduct Authority) 捀䨾剤ꆄ輑湱ꡠ欴噠⛓⚺盘堥ꡠ갼䋒湱ꡠ盘椚鳷岁⟃⤛鹎欴噠㖈⚺盘堥ꡠ涸湌漛莅盘椚♴腋㣁갫ⵄ涮㾝♶⫦〳⟃䲿넞ꆄ輑猰䪮噠罏涸剪ㅷ颶刿〳㟞⸈字滞㼩倴ꆄ輑猰䪮瘞ⶾ倞剪涸⥌⟤䠮

Perspectives

02Q u e s t i o n

佟䏎㥶⡦侮ざ㸽倰莅字涸⸂ꆀ鷴麕ⶾ倞㷱⻋㐼⸈鸠㐼瘞鰊㼬须彂䪜嗃刿㢵⯋涸ꆄ輑猰䪮ⶾ倞噠罏䧭 ?

湡歋ꆄ輑湌漛盘椚㨽㆞剚〵抓ꆄ輑剪噠耢ざ籏剚须鎝䊨噠瘼鹎剚䨾Ⱏず䲀涸ꆄ輑猰䪮ⶾ倞⸈鸠㐼չꆄ輑猰䪮ⶾ倞㛇㖒 FinTechBaseպ䲿⣘ꆄ輑猰䪮倞ⶾ✲噠♧畀䒭鰊㼬须彂⟃⿻ꆄ輑欴噠莅騗㚖噠罏ざ⡲Ⱏⶾ⛓侸⡙莅㻜넓橇㞯䋞劆诔歋佟䏎䲿⣘鿈ⴕ斊麌须ꆄ⟃⿻ぐ갪橇眏涸㸤㊥䲿넞倞ⶾⰗ欰㶸涸堥剚䒊陾⚺盘堥ꡠ䥰⟃刿⮛应涸哭⟝刿佞涸须呔㻤叆䲿넞湱ꡠ갸皿莅酢⸔⢵렽⺑倞ⶾ噠罏莅㷱⻋⚛〳⦶ꖏ㕜㢫㣐㘗㷱⻋⚥䗱⛓鏤縨⿻剪⡲捀劢⢵⮛⻋⛓罌䩧鸤葻㥪涸ⶾ噠橇㞯莅瑠鼚⯝〵抓涸ꆄ輑猰䪮➃䩞㢫崩

Perspectives


Ⱏず鎣锸陾겗 | 25

The regulatory authority of the FinTech industry has not yet been clarified. If it can be clarified, relevant supporting measures and necessary management principles can be promoted more rapidly.

Perspectives

At present, the development of FinTech to assist fundraising is quite diverse, including crowdfunding, token fundraising and P2P lending. However, currently only equity crowdfunding and ICO (Initial Coin Offering) are ruled by the Financial Supervisory Commission, R.O.C., while all other channels lack a confirmed authority. This will create doubt and hesitation among both users and corporate clients. Further referral to the practices of mainstream countries is suggested. For example, the FCA (Financial Conduct Authority) is the regulatory authority for all financial-related industries in the UK and promulgates relevant management laws to promote the smooth development of industries under the supervision and management of said authority, which can not only improve FinTech service quality but also can increase the public's trust in innovative services such as FinTech.

01Q u e s t i o n

02Q u e s t i o n

How can the government integrate their power with the people to support more diverse financial technology innovation companies through innovation incubators, accelerators, and other counseling resources?

Perspectives

The FinTechBase, the FinTech innovation accelerator currently promoted by the Financial Supervisory Commission, Taiwan Financial Services Roundtable, and the Inst itute for Information Industry, provides one-stop counseling resources for FinTech startups, as well as cooperation between the financial industry and cross-domain players in the digital and physical environment. It is hoped that the government provides part of the working capital and complete links to boost the survival chances of startups. It is recommended that the regulatory authority should encourage startups to participate in the incubation by the provision of better conditions, more open qualification review, as well as more budget and subsidies. The establishment of foreign incubation centers and services should be the reference for future optimization. Create a good entrepreneurial environment to avoid the FinTech talent outflow in Taiwan.


0

劢⢵字滞〳⢪侸⡙魨ⴕ阮䘰鸠䱺崡佟䏎鿈湱ꡠ噠莅须俲僽や⛳䥰ず儘䲀㕜鸒遤⛓侸⡙钢阮堥ⵖ窡♧⡲噠倰䒭ㄤ钢阮䊨Ⱘ⚛麌欽荛ꆄ輑猰䪮剪⟃幾㼱ぐ㹻噠罏ぐ荈捀佟

佟䏎➛䎃갸鎙䲀ⴀ涸倞晝侸⡙魨ⴕ阮ꤑ㼟꽙撑⨴⥃⽓瘞阮⟝鹎遤穡ざ㢫劢⢵字滞⢪欽♧䓹侸⡙魨ⴕ阮⽰〳崡䱺Ⱇ鿈剪⿻须俲銴⢪欽魨ⴕ阮鳵椚涸噠⢿㥶㜡玅歍锞峸顦莅酢⸔瘞鿪〳㖈箁♳鳵椚溁♴鋷荈鳵椚涸儘雊佟䏎㋲⡙搂秶⻋⚂䲿⼮⡲噠佪桧䒊陾⛳䥰鑪ず儘䲀㕜鸒遤⛓侸⡙钢阮堥ⵖ㥶侸⡙魨ⴕ阮⡲捀侸⡙呍魨⛓㛇燊雊嶋顥罏劢⢵㖈歍锞䧴⢪欽湱ꡠꆄ輑猰䪮剪儘⫦♧䓹⽓晚⽰〳㸤䧭⡲䲿⼮⤑ⵄ䚍

Perspectives

〵抓涸⦐➃须俲⥃隌岁娜竤㢵妄⥜佖莅锅侮字滞㼩倴荈䊹涸奚ⵄ♶欩✫鍑⚺盘堥ꡠ㥶⡦㔔䥰⚛鹎遤䲀䑞莅來肬

植➛爢剚㣐滞㼩倴⦐➃须俲涸⥃隌䠑陏䫬걧⚺盘堥ꡠ鵜䎃⢵⛳ꆚ㼩⦐➃须俲⥃隌岁鹎遤㢵妄⥜佖⸈♳㔔䥰姘湅♧菛须俲⥃隌鋊眕 (General Data Protection Regulation, GDPR)ⵖ䏞䲀遤⦐须⥃隌涸鋊眕刿馸醳꧹⿻㓂阌⟱噠⛳㟞⸈湱ꡠ盘椚鋊眕莅䧭劥鹎遤㔔䥰幀䙲麬鋊荆넞겙縫妵莅ⴡ顑⡎㔔鄄鼍䘎奚䬩穪⢪欽奚〳伟䌟奚瘞奚ⵄ涸鋊眕♶駈㼬荞字滞㼩荈䊹涸奚ⵄ⡂䥢ꬌ䥢♶濼鑪㥶⡦姻焷⢪欽⦐须岁銴尝涮欰䴦㣟㽠鰋鰋佞麕䧴罏♶濼㥶⡦宠⸔⛳〳腋鸤䧭麕䏞鍑ꅼ岁鋊㼬荞噠罏莅⚺盘堥ꡠ氕倴䥰➰昰陾呪⟝⚺盘堥ꡠ鑪㥶⡦㔔䥰⚛鹎遤䲀䑞铞僈莅來肬⟃䲿⼮字滞㼩⦐须岁涸钢濼

Perspectives

03Q u e s t i o n

04Q u e s t i o n



03Q u e s t i o n

04Q u e s t i o n

In the future, the public can use the government-issued digital ID to quickly access relevant government businesses and information. Perhaps it is also necessary to promote a nationwide digital authentication mechanism, confirm a unified operating method and authentication tools, and apply it to FinTech services, so as to reduce the number of individual companies using their own certificates or authentication methods.

Perspectives

In addition to combining driver 's licenses, health insurance cards, and identify cards, the government expects to launch a new version of the digital ID card this year. In the future, the public can use a digital ID card to contact public services and information. Businesses that need to use ID cards, such as tax filing, applying for subsidies and grants, can all be processed online, saving time for on-site processing and allowing the government to become paperless, thus improving operational efficiency. At the same time, it should also promote the national digital authentication mechanism, such as using digital ID cards as the basis of verification, so that consumers can apply for or use related FinTech services in the future via one digital ID card to improve convenience.

Taiwan's personal data protection law has undergone many revisions and adjustments, and because of this, the people are unfamiliar with their rights. How can the regulatory authorities help promote and educate them?

Perspectives

Nowadays, the public's awareness of the protection of personal data is on the rise. In recent years, the regulatory authority has also revised the Personal Data Act several times. In addition, in accordance with the implementation of the EU's GDPR (General Data Protection Regulation) system, the regulations on the Personal Data Act have become more complicated and rigorous. Enterprises are also increasing expenses on personal data management to avoid high fines and criminal liability. However, the right to be forgotten, the right to refuse to use, the right to portability and other rights are insufficiently regulated. Hence, people don't have a concrete understanding of their own rights, and they don't know how to comply with the Personal Data Act properly. If there is no loss, they easily let it go or don't know how to ask for help. It may also cause excessive interpretation of regulations, resulting in continuous disputes between the client and the regulatory authority. How should the competent authority carry out promotion, explanation, and education to raise the public's awareness of the Personal Data Act?


0

嶋顥罏须俲奚佞ꋓ遤湱ꡠ䲃倷盘椚㼿劢用岁湡➠歋ꆄ輑噠罏㋲ぢ鎎㹁鋊㥶⡦焷⥃溫姻麨䧭⤛鹎须俲涸荈歋崩鸒㼤ꅾ嶋顥罏䠑䘋

佞ꋓ遤 (Open Banking) 僽䭸ꆄ輑噠罏莅痧♲倰剪噠罏 (Third-party Service Providers, TSP) ざ⡲鷴麕佞䥰欽玑䒭➝ (Open Application Programming Interface, Open API)㼟ꆄ輑堥圓⾲剤涸侸亙须俲䲿⣘窍 TSP 噠罏⚮䱺⟃䲿⣘刿㢵剪⡎湡嶋顥罏须俲奚㼿劢僈俒用岁湱ꡠ㨽㢫鋊⛓䨾须俲➠歋ꆄ輑噠罏⚺㼬㋲ぢ鎎㹁鋊㥶姽⨞岁♶⫦搂岁⡜ꆄ輑猰䪮噠罏䨾荆嶋顥罏须俲奚鄄⫄窡ꆄ輑噠罏䪾䭰涸植屣〳腋鸤䧭嶋顥罏搂岁⣜Ⱖ荈⚺䠑䘋荈歋獵鱲崩鸒莅⢪欽嶋顥罏须俲涸奚ⵄ

Perspectives

㼩ぐ䒭倞莇猰䪮陾겗佟䏎僽や〳⟃莅字倞ⶾ噠罏䒊用♧⦐㔿㹁涸彘鸒䎂〵䧴盘麥雊꧱倰Ⱏず鎣锸㉏겗莅鍑对倰䒭雊岁ⵖ鋊眕莅ⶾ倞涮㾝《䖤䎂邂 ?

⟃佅➰捀⢿♶锸僽魨ⴕ뀿阮䧴僽ꆄ輑䌙䨩⥌欽⽓瘞须鎝涼嶍⿻㣐ꆀ须鎝⫄黃莅⦐➃ꦡ猙㥶⡦⨞㥪须㸞莅盘䱾㉏겗僽噠罏莅嶋顥罏Ⱏず㼩涸♧㣐䮋䨞ꡠ倴倞莇猰䪮⛓⦐须⥃隌鐧꿋莅峤ꐏ眕瘞㸞䚍陾겗涸毠䣂僽や腋䒊圓♧⦐彘鸒䎂〵雊佟䏎ぐ鿈剚㼠㹻㷸罏倞ⶾ噠罏瘞涼腋䲿ⴀ㉏겗莅鍑对倰䒭雊须鎝刿⸈鷴僈莅崩鸒㖈ぐ倰宠곃䣂莅ⶾ倞⡲岁⚥《䖤♧⦐䎂邂럊雊岁鋊ⵖ㹁莅盘椚鋊眕♧饱騈♳麨ⵌ♶剚ꣳⵖ倞猰䪮涸涮㾝⿶腋眕须㸞㉏겗涸꧱飷湡垦

Perspectives

05Q u e s t i o n

06Q u e s t i o n



Consumer data rights and management of open banking related measures have not yet been legislated. At present, financial institutions still dominate and stipulate regulations. How can we ensure that the free flow of data is truly promoted and the will of consumers is respected?

Perspectives

Open Banking refers to the cooperation between financial providers and TSPs (Third-party Service Providers) to provide the original data of financial institutions through the Open Application Programming Interface (Open API) to provide more services. However, at present, the consumer data right has not been legislated explicitly, and the information required in the relevant outsourcing rules is still dictated by financial providers; this approach not only cannot reduce the situation where the consumer data right is dominated by traditional financial industries, but it also results in consumers being unable to freely transfer, circulate, and use consumer data in accordance with their own will.

Facing various emerging technology issues, c a n t h e gove rn m e n t e s t a b l i s h a f i xe d communication platform or channel with private entrepreneurs to allow discussion of problems and solutions, so as to achieve a balance between legal regulations and innovative development?

Perspectives

Taking the payment process as an example, whether it be identity verification, financial account, or credit card information, there invloves a large amount of information transmission and private content. How to defend information security and risk control is a major challenge to participants and consumers. Regarding security concerns of emerging technologies, such as personal asset protection, fraud and money laundering prevention, can we build a communication platform that allows government ministries, experts and scholars, new entrepreneurs, etc. to ask questions and provide solutions? Make information circulation more transparent to achieve a balance in the needs, concerns and innovations of all parties, and to keep up with the development of laws and regulations. This will create a system that does not restrict new technology development and defends the information security to reach a win-win situation.

05Q u e s t i o n

06Q u e s t i o n


KYC (Know Your Customer) is the procedure for the enterprise to verify the customer 's identity and process customer due diligence. At present, many issues such as risk control, customer behavior analysis, and personal data protection are derived. There are 13 issues in this topic. The key issues include the consumers' personal data protection, the discussion about personal data flows, which party should account for the risk, whether there is a dedicated authority to take responsibility, whether the government or a unified agency is responsible for integration and digitalization of verification procedures, the need for data integration systems increasing to improve convenience, and the management and regulations for new technologies applied to identity verification.

KYC(Know Your Customer)钢陏⡹涸㹐䨩僽⟱噠焷钢㹐䨩魨ⴕ涸玑䎸鹎遤㹐䨩魨ⴕ湈耷㻤叆植㖈⛳㢵遥⠽괐ꦖ䱾盘㹐䨩遤捀ⴕ區⦐须⥃隌瘞陾겗劥ぢⰟ剤 13 겗㉏겗ꅾ럊⺫䭍 : 嶋顥罏涸⦐须⥃隌⦐须崩ぢ陾겗괐ꦖ顑⟤㥶⡦娝㿂僽や剤㼠㿂⚺盘堥ꡠⴀ頾顑钢阮玑䎸⛓侸⡙⻋莅须俲侮ざ禺窡⛓宠䲿⼮僽や歋佟䏎䧴窡♧堥圓頾顑侮ざ䲿⼮⤑ⵄ䏞倞䪮遯麌欽倴魨ⴕ뀿阮涸盘椚莅鋊眕

1 KYC 魨ⴕ뀿阮KYC Identity Authentication


1

嶋顥罏鳵椚ꆄ輑剪儘ぐ㹻噠罏涸魨ⴕ뀿阮堥ⵖ罳儘⚂♶窡♧僽や〳歋佟䏎窡♧鹎遤须俲侮ざ⿻뀿阮涸堥ⵖ䲀䑞 ? ⢿㥶䒸欽侸⡙魨ⴕ阮⢪嶋顥罏♶䗳盘椚麕㢵䤊阮䧴㺙焺䲿⼮⤑ⵄ䚍

嫦㹻ꆄ輑噠罏鿪剤荈䊹涸 KYC(Know Your Customer)佟瘼ꤑ✫⚺盘堥ꡠ涸銴宠⟃㢫䨾䗚䲿涸须俲⛳♶湈湱ず嶋顥罏蕰僽莅♶ずꆄ輑噠罏鳵椚噠鿪䗳갭ꅾ倞鹎遤鏽ⱁ♳⫄须俲瘞玑䎸湱殹顥⸂顥儘僽や腋歋佟䏎㋲⡙⚺㼬鎎㹁窡♧涸 KYC 须俲呔䒭⿻뀿阮堥ⵖ⢿㥶麌欽侸⡙魨ⴕ阮鹎遤뀿阮鼚⯝㹐䨩罳顥ⱔ儘鹎遤歍锞玑䎸䲿⼮⢪欽⤑ⵄ䚍

Perspectives

植遤 KYC 䨾湱ꡠ뀿阮䊨Ⱘ魨ⴕ阮僈俒⟝⿻增뀿崩玑㥶⡦㖈㸞莅嶋顥罏⤑ⵄ⛓《䖤䎂邂

植遤 KYC 䨾湱ꡠ뀿阮䊨Ⱘ魨ⴕ阮僈俒⟝⿻增뀿崩玑涼䖰痘ざ湱ꡠ岁䖒⿻鋊㹁⛓錬䏞ⴀ涮⟃괐ꦖ䱾盘涸㸞捀⮛⯓罌ꆀꬌ⣜嶋顥罏⢪欽竤뀿錬䏞䙼罌搂岁곃⢪欽⤑ⵄ䚍㼬荞嶋顥罏㖈歍锞剪儘䌢剤姿끐籗榹䩧仠嶋顥罏涸耫갉ⴀ植⚺盘堥ꡠ莅噠罏鿪䥰鑪䙼罌㥶⡦㖈㸞莅嶋顥罏⤑ⵄ⛓《䖤䎂邂ⵖ䏞僽や剤锅侮瑠剤搂Ⱖ➮刿剤佪桧涸䊨Ⱘ⢵佖㊥嶋顥罏㖈 KYC儘涸넓뀿崩冱䏞

Perspectives

07Q u e s t i o n

08Q u e s t i o n


KYC魨⟨뀿阮 | 33

When consumers handle financial services, the identity verification mechanism of each business operator is time-consuming and not universal. Can the government promote the mechanism of data integration and verification in a unified manner? For example, fully implementing digital ID cards so that consumers do not have to manage too many passwords?

Perspectives

Each financial institution has its own KYC (Know Your Customer) policy. In addition to the requirements from the regulatory authority, the other required information is also similar. If consumers are dealing with businesses from different financial institutions, they must go through tedious re-registeration procedures such as uploading information. Perhaps this can be led by a government unit to stipulate an unified KYC data format and verification mechanism. For example, implementing the use of digital ID cards for authentication, which avoids the time-consuming application process and improves overall convenience.

How does the relevant verification tools, identity documents, and inspection process required by the current KYC strike a balance between safety and convenience for consumers?

Perspectives

The relevant verification tools, identity documents, and inspection processes required by the current KYC are all based on compliance with Taiwan's relevant laws and regulations which takes safety and risk control as the first consideration. They are not designed based on consumer experience and do not take convenience into account. Both the regulatory authority and participants should think about how to strike a balance between safety and convenience for consumers. Whether there is room for adjustment or whether there are other more efficient tools to improve the smoothness of consumers' KYC experience.

07Q u e s t i o n

08Q u e s t i o n


1

佟䏎僽や〳⟃䓽⻋嶋顥罏涸⦐➃须俲䱍䳣奚诔歋鷴僈⻋涸堥ⵖ〳⟃雊嶋顥罏叆鑉⦐➃须俲涸崩ぢ

⟃慍崎涸嶋顥罏须俲奚 (Consumer Data Right) 捀⢿嶋顥罏乩剤⚛〳䱾ⵖ盘椚荈䊹涸⦐➃侸亙⚛銴宠贖椚须俲涸噠罏䗳갭鸒濼嶋顥罏剤ꡠ⦐须涸贖椚麌欽朜屣⡎〵抓嶋顥罏捀✫歍锞䧴⢪欽剪㼟⦐➃须俲䲿⣘窍ꆄ輑剪噠罏䖕⽿搂䖰䖤濼荈䊹䱇奚涸须俲剚崩ぢ⡦贖剤铪溏麕⟃⿻剤铪Ⱘ剤奚⸂⢪欽莅贖椚鸏瘘须俲佟䏎僽や腋剤♧⦐鷴僈涸堥ⵖ雊嶋顥罏叆鑉⦐➃须俲涸崩ぢ雊嶋顥罏僈焷濼麥⦐➃须俲鄄⢪欽ⵌ⡦贖䒊陾〳⟃罌㕜㢫呪⢿鹎遤⥜岁锅侮鼚⯝噠罏欽♧〣չ䊺ず䠑䱇奚⢪欽պ⢵巒覈鿈

Perspectives

佟䏎㋲⡙僽や䥰䧭用㼠顑涸⦐➃须俲⥃隌⚺盘堥ꡠ鹎遤湱ꡠ騗鿈噠涸侮ざ⿻盘椚麨ⵌ佟瘼涸♧荞䚍⟃⿻幾㼱须彂嵠顥

湡〵抓涸⦐➃须俲盘椚僽歋ぐ湡涸✲噠⚺盘堥ꡠ⦐ⴽ盘ⵖ㥶ꆄ輑须俲娝ꆄ輑湌漛盘椚㨽㆞剚⟱噠须俲娝竤憘鿈须俲娝鿈⨴⥃须俲娝遺欰犷ⵄ鿈⡎ꦑ衽ꆄ輑猰䪮䌟⢵倞㘗䢀涸㉂噠垸䒭騗걆㚖剪䠂⢵䠂兜麒鸤䧭字滞蕰涮欰騗걆㚖涸⦐须昰陾儘♶濼麥銴䪪ㆭ⦐⚺盘堥ꡠ頾顑涸䞕屣⦐➃须俲♶僽岁䖒㾵鼩嶍⿻须鎝㸞垦彋鋊呔钢阮⢪欽⟃⿻莅欴噠➝䱺瘞陾겗㔔姽佟䏎㋲⡙僽や䥰䧭用㼠顑涸⦐须⥃隌⚺盘堥ꡠ鹎遤湱ꡠ騗鿈噠涸侮ざ⿻盘椚麨ⵌ佟瘼涸♧荞䚍⟃⿻幾㼱须彂嵠顥

Perspectives

09Q u e s t i o n

10Q u e s t i o n



Does the government have a transparent mechanism for consumers to check the flow of personal data?

Perspectives

In order to apply or use services, consumers provide information to financial service providers. However, they have no way of knowing where their authorized data will flow, who has seen it, and who has the right to use and process this data. Perhaps the government can have a transparent mechanism for consumers to inquire about the flow of personal data, and continue to let consumers know where personal data are used. This will help services avoid using the phrase "has agreed to authroize the use" to cover all aspects of personal data.

Should a government establish a personal data protect ion authori ty to integrate and manage related cross-departmental businesses to achieve policy consistency and reduce resource waste?

Perspectives

At present, the management of personal data in Taiwan is individually controlled by several national bodies. For example, the f inancial information is control led by the Financial Supervisory Commission, the enterprise information by the Ministry of Economic Affairs, the labor information by the Ministry of Labor, and the health insurance information by the Ministry of Health and Welfare. However, as financial technology brings a new type of business model, cross-disciplinary services are becoming more and more common. Because of this, the public does not necessarily know which authority figures to hold responsible when faced with certain cross-disciplinary personal data disputes. Personal data is not only a legal issue, but is also related to information security, standard specifications, certifications, use and interfacing with industries, etc. Therefore, the government should establish a dedicated personal data protection authority to integrate and manage related cross-sector businesses in order to achieve overall consistency and reduce resource waste.

09Q u e s t i o n

10Q u e s t i o n


1

11Q u e s t i o n

12Q u e s t i o n

ꧪ搭⚺盘堥ꡠ䊺剤鋊㹁蕰嶋顥罏邍僈䬩穪糒糵䱺ⵌ遤ꌼ鎝䜂噠罏䥰用⽰⨢姺⡎㻜ꥹ♳麕䏞遤ꌼ涸䞕屣➠䌢剚涮欰僽や剤刿㸤㊥涸⨞岁

嶋顥罏⢪欽䧴鏽ⱁ剪儘䌢剚麂ⵌ竡竁䒭ず䠑涸Ⱏず遤ꌼ哭妵搂岁鼇乵䚍涸鿈ⴕ涸窍✮⦐须⢪欽奚蕰♶⺠鼇չず䠑պ搂岁糒糵䧴㸤䧭崩玑涸⡲岁⟂嶋顥罏䠮ⵌ♶莞剪⿶䧴罏㸤䧭湱ꡠ鏽ⱁ剪䖕䱺ⵌ䑞デ䲀ꌼ鑨矦鎝㶩鿟⟝䩧仠ꧪ搭⚺盘堥ꡠ䊺剤鋊㹁蕰嶋顥罏邍僈䬩穪糒糵䱺ⵌ遤ꌼ鎝䜂噠罏䥰用⽰⨢姺⡎㻜ꥹ♳麕䏞遤ꌼ涸䞕屣➠䌢剚涮欰⚺盘堥ꡠ㼩倴姽珏䓽鶗ず䠑䲀ꌼ⿻⢪欽⦐须涸遤ꌼ倰岁僽や腋䲿ⴀ刿㸤㊥涸⡲岁⸈♳䲿⣘ꆄ輑剪涸倞ⶾ噠罏侸ꆀ⛳♶倬㟞⸈僽や⛳䥰㼟姽倞莇噠罏♧⢘秝Ⰵ盘椚

Perspectives

㛇倴侮넓䋑㜥涸괐ꦖ䱾盘僽や〳⟃佞栽䖤钢阮䱇奚涸ꆄ輑猰䪮噠罏叆鑉嶋顥罏殆㶸倴ꆄ輑耢ざ䗚⥌⚥䗱涸须俲⟃⿻⥌欽鐱瘞私ꏗ

歋倴湡ꆄ輑耢ざ䗚⥌⚥䗱涸嶋顥罏须俲⿻⥌欽鐱瘞私ꏗ⚺銴䲿⣘窍ꆄ輑堥圓嶋顥罏䧴〳歍锞叆鑉ⵌ㼱鿈⟨须俲⡎Ⰹ㺂♶㸤侮罜⚂崩玑籗榹♶⤑㛇倴侮넓䋑㜥괐ꦖ䱾盘剤䖰✲湱ꡠ噠㽠䥰鑪銴鹎遤㼩瘞涸⥌欽㻤叆罜湡涸ꆄ輑猰䪮噠罏⽿㔔搂岁《䖤须俲鸤䧭괐ꦖ䱾盘♶駈僽や〳歋⚺盘堥ꡠ鹎遤ꆄ輑猰䪮噠罏涸须呔㻤呍佞ꆄ輑耢ざ䗚⥌⚥䗱须俲窍嶋顥罏⟃⿻栽䖤钢阮䱇奚涸ꆄ輑猰䪮噠罏䲿⣘⽰儘叆鑉欩荛䲿ꄁ瘞刿㢵剪⸆腋

Perspectives



11Q u e s t i o n

12Q u e s t i o n

A f t e r t h e f i n a n c i a l o p e r a t o r o b t a i n s personal data, it often brings in excessive marketing. Can the regulatory authority propose a better approach?

Perspectives

When consumers use the service or register, they will often encounter the common terms of consent. They are forced to agree with the use of personal data, or else they cannot continue or complete the process which is quite annoying to consumers. Which is why, after completing the relevant registration services, you will always receive notifications of advertisements, marketing calls, SMS marketing and emails. Although the regulatory authority has stipulated that if consumers indicate that they refuse to continue to receive marketing messages, the operators should immediately stop. In reality, the excessive marketing often continues to occur. The regulatory authority could put forward a more complete approach to such compulsory marketing methods and the use of personal data. Also, with the number of FinTech startups that provide financial services also increasing, should these FinTech startups also follow the same regulations?

Based on overall market risk control, is it possible to open authentication and authorization for FinTech companies to inquire about the information and credit rating records that consumers have left in the Joint Credit Information Center?

Perspectives

Since consumer information and credit rating records of the Joint Credit Information Center are usually only provided to financial institutions, and while consumers may apply for a small amount of information, the content is incomplete and the process is cumbersome and inconvenient. Based on the overall market risk control, if you are engaged in a certain business, you should conduct relevant credit review. However, the current FinTech participants are unable to obtain information, resulting in insufficient risk control. Is it possible for the regulatory authority to carry out the qualification review for FinTech participants and open the comprehensive information of the Joint Credit Information Center to consumers and FinTech participants through certification and authorization to provide more services and functions, such as instant inquiry and even reminders?


1

噠罏⢪欽涸䪮遯♶倬䲀ⴀ倞㼩倴ぐ珏ⶾ倞䪮遯涸涮㾝⚺盘堥ꡠ僽や腋剤⽰儘⚂㼩䥰涸鋊眕䧴盘椚鳵岁 ?

KYC 뀿阮䊺捀嶋顥罏《䖤ꆄ輑剪涸䗳銴麕玑⛳僽湱ꡠ噠罏✫鍑嶋顥罏涸ꅾ銴盘麥捀✫幾㼱魨ⴕ뀿阮崩玑涸♶⤑噠罏⢪欽涸䪮遯♶倬䲀ⴀ倞竤歋ぐ珏倞䪮遯⢵䲿⼮ KYC 涸⡲噠佪桧⡎湡⚛ꬌ嫦珏䪮遯麌欽涸剪鿪剤㸤侮鋊眕⚺盘堥ꡠ㼩倴鋊眕䧴盘椚鳵岁僽や腋騈♳倞䪮遯涸涮㾝蕰佟䏎搂岁⽰儘窍✮䒸㼬⿻⼿⸔〳腋剚幾㼱噠罏䫏须倞䪮遯涸䠑격

Perspectives

湡涸ぐ㹻ꆄ輑堥圓须俲䏨尝剤⚮耢佟䏎㥶⡦鍑对字滞隶刿⦐➃须俲儘涸♶⤑⟃⿻噠罏须俲劢腋⿻儘刿倞涸瑠璭劍㉏겗

㣐鿈ⴕ嶋顥罏ず儘僽㢵㹻ꆄ輑堥圓涸㹐䨩殹剤隶刿须俲涸宠儘⢿㥶㾀⡞㖒㖧鸮窄鑨㨺そ瘞䗳갭ⵌ嫦㹻♶ず涸ꆄ輑堥圓⨞须俲刿倞㽠皿刿佖涸须俲僽湱ず갪湡莅Ⰹ㺂⛳腋♧㹻♧㹻鹎遤隶刿鸏㼩곃㹐⢵铞僽噲捀籗榹ⱔ♶⤑涸麕玑蕰嶋顥罏尝剤刿倞须俲涸䠑격噠罏⛳搂岁䓽鶗刿倞腋♧湬⢪欽莍须俲欴欰须俲涸瑠璭劍㔔姽佟䏎僽や剤鳵岁腋㣁鍑对鸏⦐㼩꧱倰鿪䖎㔮仠涸陾겗雊隶刿须俲涸麕玑刿⸈䘰鸠⤑ⵄ

Perspectives

13Q u e s t i o n

14Q u e s t i o n



T h e te c h n o l o gy u s e d by t h e i n d u s t r y i s c o n s t a n t l y b e i n g u p d a te d . C a n t h e regulatory authority have corresponding regulations or management methods for the development of various innovat ive technologies?

Perspectives

KYC verification has been a necessary process for consumers to obtain financial services, and it is also an important channel for relevant financial operators to understand consumers. In order to reduce the inconvenience of the identity verification process, new technologies are released constantly for providers to enhance the efficiency of KYC's operations. However, at present, not every technology application service has complete regulations. Can the competent authority keep up with the development of new technologies with regard to regulations or management methods? If the government fails to provide immediate guidance and assistance, it may reduce the willingness of the participants to invest in new technologies.

At present, the databases of various financial institutions are not connected in series. How does the government solve the public's inconvenience when changing their personal data as well as regarding the problem of the period in which the participants' information is not updated in time?

Perspectives

Most consumers are customers of multiple financial institutions at the same time, and when there is a need to change their personal data, such as residential address, contact number and name, they must go to each different financial institution to update their information. Even if the changed information is the same item and content, this tedious process is the only way to make changes in each financial institution. If consumers do not have the desire to update the data, and the participants cannot force the update, they can only use the old data, resulting in a data-lacking window. Is there any way for the government to solve this issue that is bothering both sides and make the process of changing information faster and more convenient?

13Q u e s t i o n

14Q u e s t i o n


1

㼩倴 KYC籗榹涸姿끐㹐䨩䌢剚剤♶罣撖涸耫갉噠罏僽や䥰㊥湈莅㹐䨩涸顑⟤⟃㟞⸈嶋顥罏㼩倴 KYC뀿阮麕玑涸⥌⟤

嶋顥罏㖈歍锞䨩䧴僽飑顠ꆄ輑㉂ㅷ涸麕玑殹⚥䗳갭蔅顥鏪㢵涸儘莅ꆄ輑剪噠罏焷钢 KYCⰉ㺂㛂遤麕玑湱殹籗榹㺂僒⢪嶋顥罏♶罣撖欩荛♶격㛂遤湱ꡠ䩛糵⡎㖈岁⟂鋊㹁⛓♴KYC 뀿阮䊺捀嶋顥罏《䖤ꆄ輑剪涸䗳銴麕玑⛳僽噠罏✫鍑嶋顥罏涸ꅾ銴盘麥噠罏僽や䥰㊥湈彘鸒⛓顑⟤莅嶋顥罏⯏ⴕ彘鸒⚛《䖤⥌⟤雊Ⱖ✫鍑 KYC 뀿阮涸ꅾ銴䚍㥶姽ꤑ✫⡜噠罏劥魨涸괐ꦖず儘⛳僽⥃隌嶋顥罏涸奚渤⡜湁欽鐧꿋⛓괐ꦖ

Perspectives

ⵄ欽➃茁䧴䭸秙鳺陏涸魨ⴕ뀿阮䪮遯鷷恸䧭擿⡎⛳ⴀ植月⦐➃ꦡ猙毠䣂湡岁鋊⿻⚺盘堥ꡠ僽や㼩倴姽䪮遯麌欽㹁ⴀ僈焷涸鋊眕

ⵄ欽➃茁䧴䭸秙鳺陏涸魨ⴕ뀿阮䪮遯鷷恸䧭擿䲿⣘噲㣐⤑ⵄ䚍⿻䥰欽悴⸂莅㉂堥⢪佟䏎⿻噠罏㨥䲿⣘⟃欰暟暶䗚捀㛇燊涸剪䧴鏪Ⱖ剤⸔倴笞隌爢剚獘䎸䲿⼮Ⱇ㸞䲿⣘⤑䰦佪桧涸欰崞⡎⚺盘堥ꡠ㼩姽䪮遯麌欽莅⦐须月⛓涸鋊眕䥰罌ꆀ嫲⢿⾲ざ椚奚邂䪮遯䌟⢵涸ⵄ䒧⚛䥰鋕䥰欽걆㚖ⵖ㹆⭽䘰⨞ⴀ僈焷鋊眕⟃⿻二⟤湌漛耷顑⟃ⵄ噠罏黾䗅涮㾝⢿㥶姘湅㽠亼㖈劢⢵ 5 䎃Ⰹ冾儘犝姺ⰗⰟ㜥ざ⢪欽➃茁鳺陏䪮遯劍劆诔姽窍✮用岁➃㆞駈㣁涸儘灇亼⚛鎎㹁岁哭鋊眕

Perspectives

15Q u e s t i o n

16Q u e s t i o n



Regarding the cumbersome steps of KYC, customers are often impatient . Should service providers fulfill the responsibility of communicating with customers to increase consumers' trust in the KYC verification process?

Perspectives

The process for account application or f inancial product purchase is often lengthy for consumers, and even requires communication with financial operators to confirm the KYC content. The execution process may be quite cumbersome, making consumers impatient or unwilling to perform related formalities. However, in accordance with regulations, KYC verification is a necessary process for consumers to obtain financial services, and it is also an important channel for service providers to understand consumers. Therefore, participants must fully communicate with consumers and gain trust to let them understand the importance of KYC verification. In this way, in addition to reducing the risks of the participants themselves, they are also protecting the rights of consumers, reducing the risk of misappropriation and fraud and fulfilling communication responsibilities.

While face and f ingerprint identity veri f icat ion technology is gradual ly maturing, there are doubts about Personal Data Protection Act breaches. Do the current regulations and authorities set clear specifications for the use of this technology?

Perspectives

With face or fingerprint recognition gradually maturing and providing greater convenience, application potential , and business opportunities, the government or participants can begin to provide biometric-based services, which may help maintain social order, improve public security, and provide more efficiency. However, the authority should consider the proportionality between the application of this technology and the infringement of the Personal Data Protection Act, reasonably weigh the advantages and disadvantages, and make clear specifications and take oversight duties accordingly so that participants can follow and develop. For example, the European Union plans to temporarily ban the use of face recognition technology in public places in the next five years, hoping to give legislators enough time to develop laws and regulations.

15Q u e s t i o n

16Q u e s t i o n


1

KYC 䲿⣘鏪㢵㻤叆俒⟝㥶⡦诔歋佞湱ꡠ须俲䏨⼿⸔嶋顥罏幾㼱彋⪔湱ꡠ须俲涸玑䎸 ?

嶋顥罏鹎遤 KYC 儘ꤑ갭砞縭鏪㢵俒⟝㢫⛳갭䲿⣘湱ꡠ阮僈须俲⡲捀㻤叆⢿㥶꧱阮⟝⿻⥌欽阮僈⡎植遤ⵖ䏞♴ꬌ⫄窡ꆄ輑堥圓搂岁锅ꠗ⥌欽湱ꡠ须俲䏨㼬荞嶋顥罏蕰銴⢪欽ꆄ輑猰䪮噠罏涸剪䗳갭荈遤歍锞须俲䖕ⱄ䲿⣘㥶卓♶僽笪騟停纈⢪欽罏腋鷴麕鿟⟝䖃⢵䧴鋷荈䖃湱ꡠ㋲⡙歍锞湱殹罳儘顥⸂⡎蕰劢䲿⣘湱ꡠ须俲㼩噠罏䨾䪭「⛓괐ꦖ⛳湱㼩㟞⸈㔔姽僽や剤刿㥪涸鳵岁〳⟃⼿⸔嶋顥罏幾㼱彋⪔ KYC 䨾湱ꡠ须俲涸玑䎸ず儘⛳〳⡜侮넓ꆄ輑䋑㜥괐ꦖ

Perspectives

⼦㝆ꕖ䓽锅⼣そ䚍⿻⚥䗱⻋暶蒀涸䪮遯麌欽莅 KYC 涸㻤叆礶牟剤䨾遼瑳㼩倴湱ꡠ欴ㅷ䧴剪鑪㥶⡦衆㻜 KYC

⼦㝆ꕖ䪮遯鷴麕ⴕ侕䒭䌙劥䪮遯⟃겳⡂럊㼩럊⫄鱒倰䒭㼟须鎝鷴麕ぐ眏럊鹎遤⫄鱒❜䳖뀿阮⿻⮭㶸Ⱘ剤䲿⣘⸈㺙ꨈ⟃鄄甔佖须鎝Ⱇ鷴僈〳ꦑ儘叆鑉瘞暶䚍⟃⿻搂䓽ⵖ⛓⚥䗱堥圓♶僒「暶㹁㕜㹻⟱噠䧴穉籽䨾䱍䱾䓽锅⼣そ䚍⿻⚥䗱⻋瘞暶蒀鵜䎃⢵㔔⚺盘堥ꡠ⸈䓽峤ꐏⵖ⸂麥KYC ꤑ✫⫄窡涸焷钢㹐䨩魨ⴕ⟃㢫刿剤㹐䨩㻤叆⿻괐ꦖ䱾盘涸䠑巒⢿㥶㼩ꅾ銴佟屛竤憘➃暟魨ⴕ焷钢㥶姽㼩倴⼦㝆ꕖ湱ꡠ涸欴ㅷ䧴剪莅植遤 KYC 礶牟剤䨾遼瑳涸䞕屣⛓♴⚺盘堥ꡠ鑪㥶⡦衆㻜 KYC佟瘼鼚⯝欴欰湌盘怪峯

Perspectives

17Q u e s t i o n

18Q u e s t i o n



How to he lp consumers reduce the procedures for preparing re levant information required by KYC?

Perspectives

When conducting KYC, consumers must not only sign many documents, but also need to provide relevant certification materials for review, such as two forms of identification and credit certificates. However, under the current system, non-traditional financial institutions cannot access credit-related databases, meaning that consumers who want to use the services of FinTech participants must apply for the materials and provide them to FinTech participants. If you are not an Internet user, you can only apply by email or make on-site application, and then provide it to the startups, which is quite laborious. However, if no relevant information is provided, the risk to the startups will also increase. Perhaps there is a better way to help consumers reduce the procedures for preparing relevant information required by KYC and reduce the overall financial market risk at the same time.

Blockchain emphasizes anonymity and t h e u s e o f d e c e n t ra l i ze d te c h n o l o gy, which confl icts with the spirit of KYC's review. how should KYC policies for block-cha in re la ted products o r se rv i ces be implemented?

Perspectives

Blockchain technology uses a distributed ledger technology to transmit, exchange, verify, and store information through a peer-to-peer transmission method. It has encryption features, is difficult to be tampered with, and has open information that can be accessed at any time. The mandatory central agency is not easily controlled by a specific country, enterprise or organization. In recent years, the authorities have strengthened the prevention of money laundering. In addition to traditional confirmation of customer identity, KYC also has the ability for customer review and risk control, such as important political and economic figures Identity confirmation. In such a situation where the relevant products or services of the blockchain conflict with the current KYC spirit, how should the regulatory authority implement the KYC policy to avoid regulatory loopholes?

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18Q u e s t i o n


㥶⡦雊䲿⣘ꆄ輑剪涸湱ꡠ噠罏腋㣁⽰儘⚂剤佪涸䱍䳣㹐䨩须俲殯涸䞕屣⟃⤑剤佪涸䱾ⵖ괐ꦖ ?

⟃⦐➃⦶顡捀⢿殹㹐䨩涸鼩妵腋⸂ⴀ植㉏겗儘ꆄ輑堥圓䗳갭竤麕♧媯劢鼩妵儘瘞焷㹁搂岁鼩妵䖕ⱄ鹎Ⰵ䖕糵⪶佐玑䎸㥶卓腋雊䲿⣘ꆄ輑剪涸湱ꡠ噠罏腋㣁⽰儘⚂剤佪涸䱍䳣㹐䨩须俲殯涸䞕屣㼟〳⟃刿剤佪涸䱾ⵖ괐ꦖ歋鄄✲䖕䖤濼须鎝佖捀⚺䲿䖤ⵌ须鎝⢿㥶薊㕜姘湅瘞䱰佞ꋓ遤须俲岁⿻䎂〵慍崎⨞✫嶋顥罏须俲奚䲀ꆄ輑⥌腋彂⿻Ⱖ➮欴噠侸⡙❜䳖䎂〵 (Data61)鷴麕⽰儘须俲佞❜䳖⛓堥ⵖ〳⟃䖤濼须俲涸殯䞕䕎

Perspectives

How can the relevant providers of financial services be able to immediately and effectively grasp the changes in customer information in order to effectively control risks?

Perspectives

Taking personal borrowing as an example, when there is a problem with the customer 's solvency, the financial institution must go through a period of non-repayment and wait until it is determined that the payment cannot be made before entering the subsequent collection procedure. If the relevant financial service providers can get real-time customer data updates, they will be able to control risks more effectively. That is, the information is learned in advance instead of being informed passively. For example, the United Kingdom and the European Union have adopted the open banking data protection and platform; the Australian Government announced the introduction of a consumer data right (CDR) in Australia and promoted the personal details exchange platform (Data61) for finance, telecommunications, energy, and other industries. Through the mechanism of real-time open data exchange, financial service providers can learn about the data change situation.

19Q u e s t i o n

19Q u e s t i o n


This topic is mainly for discussion about non-cash payments, as well as related businesses, platforms, and regulatory issues, with a total of 10 issues. The key issues include how to integrate payment tools and maintain competition in order to improve the efficiency of use, the trade-off between risk control and convenience of open mobile payment, the use of security responsibilities, as well as whether the government has more measures to encourage small and medium-sized enterprises and consumers to use mobile payments.

劥ぢ⚺銴鎣锸ꡠ倴ꬌ植ꆄ倰䒭鹎遤涸佅➰⟃⿻湱ꡠ噠罏䎂〵岁鋊陾겗Ⱏ剤 10겗㉏겗ꅾ럊⺫䭍 :㥶⡦鹎遤佅➰䊨Ⱘ莅禺窡涸侮ざ莅⥃䭰畹昰⟃䲿⼮⢪欽佪桧佞遤佅➰涸괐ꦖ䱾盘莅⤑ⵄ䚍⛓涸《䰎⟃⿻⢪欽♳涸须㸞顑⟤佟䏎僽や剤刿㢵䲃倷⢵렽⺑⚥㼭㘗㉂㹻⿻嶋顥罏⢪欽遤佅➰

2 佅➰Payment


2

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21Q u e s t i o n

㕜Ⰹ㶩佅➰禺窡滞㢵⚂剤騗禺窡獵鱲Ⱏ鸒垦彋侮ざ⟃⿻㕜ꥹ䱺鮨瘞㉏겗鸤䧭嶋顥罏鼇乵莅⢪欽♳涸㔮ꨈ⚺盘堥ꡠ㥶⡦鍑对汥럊⟃麨ⵌ溫姻兜⿻⻋

㕜Ⰹ佅➰禺窡滞㢵䌢欽ぐ珏⤛ꌼ⿻⮛䟃⢵仍㣐䋑⡥桧䧴㟞⸈ざ⡲涸ꋓ遤莅㉂㹻劍劆腋⡥亙걆㼬㖒⡙㽠䋑㜥植朜⢵铞㶩佅➰涸兜⿻䚍➠剤鹎姿瑠ꧪ鵜䎃鷷恸㟞⸈⡎侮넓⢪欽嫲⢿➠♶㣁넞Ⱖ妄湡㶩佅➰㼿劢剤Ⱏ鸒涸垦彋䧴侮ざ䎂〵ぐ㹻禺窡⢪欽倰䒭♶ず⛳搂岁騗禺窡獵鱲妵갪鸤䧭嶋顥罏鼇乵莅⢪欽♳涸㔮ꨈ⯕銴椚鍑♶ず禺窡⛓涸䊴殯⿻乽⡲㽠銴蔅顥鏪㢵䗱⸂劢⢵鑪䱰欽⡦珏Ⱏ鸒垦彋侮ざぐ㹻禺窡⚛ず儘莅㕜ꥹ䱺鮨雊嶋顥罏莅㉂㹻⤑倴⢪欽䲿⼮⢪欽넓뀿莅䠑격麨ⵌ溫姻涸兜⿻⻋

Perspectives

鿈ⴕ㕜㹻㨥㼩倴侸⡙岁㹁顊䍤琎噲鹎遤鑑뀿⿻䲀䑞〵抓⚺盘堥ꡠ劢⢵僽や剤겳⡂涸佟瘼彋⪔⟃䲿傍㔔䥰

鿈ⴕ㕜㹻涸遤佅➰涮㾝⚂兜⿻㼩倴䲀侸⡙顊䍤䒊用琽㔿涸㛇燊⢿㥶⚥㕜➃字ꋓ遤갸鎙䲀ⴀ㸽倰胝剅Ⱘ岁⮉䚍涸侸⡙➃字䍤䋞劆腋瘞ꆀ剐➿崩鸒涸岁㹁植䍤Ⱖ㼩侸⡙➃字䍤涸湡垦⺫䭍⡲捀ꆄ輑堥圓涸幢皿㈒禺窡涸䥰欽⣘㕜ꥹꆄ輑騗㞯佅➰莅妵䋞劆诔歋侸⡙➃字䍤⸈䓽➃字䍤崩鸒䚍㟞⸈➃字䍤㖈㕜ꥹ涸䕧갠⸂欩荛갸⯓㼩䫒Ⱖ➮涸ꬌ㸽倰侸⡙顊䍤㼩鿈ⴕ㕜㹻琎噲䲀䑞侸⡙顊䍤⚥㣜ꋓ遤劢⢵僽や剤겳⡂涸顊䍤莅頿佟佟瘼彋⪔⟃䲿傍㔔䥰

Perspectives


佅➰ | 47

20Q u e s t i o n

21Q u e s t i o n

H ow c a n p ay m e n t s y s te m s i n Ta i wa n s o l v e t h e p r o b l e m s o f c r o s s - s y s t e m transfer, common standard integration, and international integration among many domestic electronic payment systems to achieve mass-adoption?

Perspectives

There are many payment systems in Taiwan, and various promotions are often used to increase market share or increase the cooperation of banks and merchants to occupy a leading position. As far as the current market situation is concerned: First, while it has been gradually increasing in recent years, the popularity of electronic payment is not high enough, whether it is the manufacturer or consumer side. Second, at present, there is no common standard or a large integrated platform for electronic payment. Different ways are adopted by different participants. Hence, the transfer of money across the system cannot be made, which makes it difficult for consumers to use it. It takes a lot of effort to understand the differences and operations between each system. In the future, what common standards should be adopted to integrate various systems and be in line with international standards at the same time, so that consumers and merchants can facilitate cross-border use, enhance the user experience and willingness to join, and achieve mass-adoption?

Some countries are actively promoting digital fiat currency. Will Taiwan have similar policy preparations in the future to respond early?

Perspectives

Mobile payment development in some countries is comprehensive and popular, which is a solid foundation for promoting digital currencies. For example, the People's Bank of China is expected to launch an official endorsement and forensic digital RMB, hoping to replace the equal amount of fiat currency in circulation. Its goals for digital RMB include application of clearing and retail system in financial institutions and international financial cross-border payment and remittances. It is hoped that digital RMB will strengthen the RMB circulation and the influence internationally and even confront other unofficial digital currencies in advance. Facing the PBOC's promotion of digital fiat currencies, will the Central Bank of Taiwan have similar monetary and fiscal policy preparations in the future to respond early?


2

㼩倴㶩佅➰涸岁鋊⚺盘堥ꡠ植遤⚺銴⣜亙շ㶩佅➰堥圓盘椚哭⢿ո鹎遤盘椚鑪哭⢿㓂呔鋊㹁✫ぐ겳㘗❜僒涸ꆄ겙ꣳⵖ⢿㥶嫦剢⮭⧩佐➰♳ꣳ瘞ꧪ搭腋⸈䓽㼩❜僒괐ꦖ涸䱾盘⡎湱㼩⛳曼暨✫佅➰涸⤑ⵄ䚍罜㼩倴Ⰽ罏鑪㥶⡦《䰎莅䭭䯨僽湡荆涸♧㣐ꨈ겗鿈ⴕ嶋顥罏㼩倴㼭겙❜僒격䠑㢵䪭二♧❉괐ꦖ⢵䳖《佅➰⤑ⵄ䚍钢捀蕰僽ꆄ겙㼭⚂㖈괐ꦖ〳䪭「涸眕㕠Ⰹ佟䏎䧴噠罏䥰鑪湈ꆀ佞剪♶⫦腋䲿⼮❜僒佪桧⛳腋㟞⸈⢪欽罏넓뀿ず儘䒸刿㢵㹐䨩

Perspectives

ꦑ衽騗㕜䳖䧴騗㞯佅➰涸宠涮㾝佟瘼涸佞莅괐ꦖ䱾盘䙦랃⨞ⵌ刿㥪

ꦑ衽猰䪮涮㾝莅椕⻋涸馸假麉䳖莅騗㞯佅➰涸宠⛳馊⢵馊㣐㔔姽䒸噠罏㨥䲀ⴀ箁♳䧴䩛堥 APP 䳖涸剪搭罜噠罏鑪㥶⡦鹎遤倞莇猰䪮涸䥰欽㖈䲿⣘嶋顥罏葻㥪⢪欽넓뀿涸ず儘⿶腋麨ⵌ괐ꦖ涸䱾盘⤑僽♧㣐陾겗⢿㥶䳖莅騗㞯佅➰剓㣐涸毠䣂⤑僽〳腋剤㖒♴⯛涸峤ꐏⵖ陾겗欴欰⚺盘堥ꡠ湡佟瘼➠殆㖈ꆄ輑噠暶鏪竤斊湱ꡠ噠⢵⡜峤ꐏ괐ꦖ莅⚺崩㕜㹻佟瘼饥ぢ렽⺑ꆄ輑猰䪮倞ⶾ噠罏鹎遤⛓倰䒭㣐♶湱ず鸏鿈⟨㥶⡦腋剤䙼罌⚛䲿ⴀ佅䭰ぐ珏竤憘崞涸ꆄ輑猰䪮佟瘼

Perspectives

鿈ⴕ嶋顥罏격䠑㢵䪭二♧❉괐ꦖ⢵䳖《佅➰⤑ⵄ䚍⚺盘堥ꡠ㼩倴괐ꦖ䱾盘莅佅➰⤑ⵄ䚍⛓涸《䰎鑪㥶⡦䭭䯨

22Q u e s t i o n

23Q u e s t i o n


佅➰ | 49

Some consumers are willing to take more risks in exchange for payment convenience. H ow s h o u l d t h e re g u l a to r y a u t h o ri t y strike a balance between risk control and payment convenience?

Perspectives

The current regulations on electronic payment are mainly based on the "The Act Governing Electronic Payment Institutions", which strictly stipulates the amount limits for various types of transactions (monthly stored value, upper limit of payment etc.). Although it can strengthen the control of transaction risks, it also relatively sacrifices the convenience of payment, and the choice between the two is currently a major problem. Some consumers are willing to take more risks in exchange for payment convenience for small transactions, so they believe that if the amount is small and the risk is within the tolerance range, the government or participants should open the service up as much as possible, which can not only improve transaction efficiency, but also increase user experience and attract more customers.

With the development of cross-border foreign exchange or cross-border payment, how can opening-up policies and risk control be improved?

Perspectives

With the development of technology and the trend of globalization, the demand for cross-border foreign exchange and cross-border payment is also increasing. Therefore, participants are attracted to release online foreign exchange service or foreign exchange APPs for mobile phones. However, it is a major issue for participants to provide consumers with a good user experience by applying emerging technologies and achieve risk control at the same time. For example, the biggest doubt about foreign exchange and cross-border payment is that there may be underground money laundering issues. The current policy of the regulatory authority is still only reserved for financial services franchises to reduce the risk of money laundering which is quite different from encouraging FinTech startups to develop toward mainstream countries. How can we think about this part comprehensively and propose fintech policies that support various economic activities?

22Q u e s t i o n

23Q u e s t i o n


2

䋑♳涸佅➰噠罏馊⢵馊㢵㥶⡦⼿⸔嶋顥罏㖈⢪欽㜥兞殹⚥⟃剓剤佪桧涸倰䒭䪪ⵌ剓黠ざ涸佅➰䊨Ⱘ

植㖈㕜Ⰹ䋑㜥♳佅➰噠罏滞㢵⛳♶倬剤倞⸈Ⰵ涸畹昰罏䲀ⴀぐ䒭⮛䟃莅崞䋞劆腋䒸嶋顥罏⢪欽㼩倴嶋顥罏⢵铞㼩滞㢵畹昰罏涰㹻昰뒊涸朜䢀㥪贖僽〳⟃ꆚ㼩♶ず㜥㚖嶋顥垸䒭鼇乵㼩荈䊹剤ⵄ涸佅➰䊨Ⱘ⡎⛳㔔捀Ⱖ⢪欽倰岁䧴넓뀿♳䎙⛖搂暶ⴽ瑳ⴀ⛓贖ず儘㣖㢵鼇乵⛳㺂僒雊嶋顥罏䠮ⵌ滚蔅举✥㖈➰妵殹♴銴䘰鸠䪽乵⢪欽ㆭ⦐佅➰䊨Ⱘ〳腋㼬荞ꐫ㣟⮛䟃䧴緄⛘佪桧涸朜屣⿶䧴罏銴䲿蔅儘礶⸂鹎遤嫲鯱灇瑖僽や腋剤倰岁⼿⸔嶋顥罏㖈♶ず涸⢪欽㜥兞⚥䘰鸠䮋鼇ⴀ剓黠ざ殹♴⢪欽涸佅➰䊨Ⱘヤ

Perspectives

㣐겙佅➰⿻㼭겙佅➰僽や剤ꣳ㹁ꆄ겙⛓垦彋ꆚ㼩♶ず噠Ⰹ㺂⿻⢪欽걽桧⚺盘堥ꡠ㥶⡦鹎遤䊴殯䚍괐ꦖ䱾盘

㣐겙佅➰禺窡⚺銴贖椚莅ꆄ輑䋑㜥崞剤ꡠ⛓佅➰⢿㥶莅顊䍤䋑㜥阮ⵚ䋑㜥䧴㢫䋑㜥❜僒剤ꡠ⛓佅➰㼭겙㈒佅➰禺窡⚺銴贖椚竤憘넓禺⚥⦐➃䧴⟱噠鿈㈒❜僒⛓⭆妵佐➰鑪겳禺窡贖椚涸❜僒珏겳籗㢵ꆄ겙鯱㼭⡎⚺盘堥ꡠ⚛搂㼩㣐겙佅➰䧴㼭겙佅➰ꣳ㹁♧㹁ꆄ겙垦彋㼩倴侮넓佅➰괐ꦖ罜鎊㣐겙佅➰殹搭嫲㼭겙佅➰넞㼭겙佅➰ꧪ搭ꆄ겙㼭⚂괐ꦖ䚍鯱⡜⽿僽字滞⢪欽剓걽籗嶍⿻剓㢵⦐须涸倰䒭植遤⚺盘堥ꡠ㢵⟃噠嶍⿻Ⰹ㺂⢵鹎遤괐ꦖ䱾盘⡎僽湱ず僽佅➰⼧蠝⯋涸❜僒莅♧⼪⯋涸❜僒괐ꦖ곏搭♶ず⚺盘堥ꡠ㥶⡦鹎遤䊴殯䚍괐ꦖ䱾盘

Perspectives

24Q u e s t i o n

25Q u e s t i o n


佅➰ | 51

T h e r e a r e m o r e a n d m o r e p a y m e n t providers in markets; how can we find the most suitable payment tool for consumers in the most efficient way?

Perspectives

At present, there are many payment providers in the domestic market, as well as new competitors who are constantly giving special offers and holding activities, hoping to attract consumers. For consumers, facing the competition among payment providers, the advantage is that they can choose the payment tool that is beneficial to them for different scenarios and consumption patterns. However, because there are almost no special highlights in its usage or experience, and too many choices at the same time make consumers feel overwhelmed. Because consumers need to choose which payment tool to use immediately when paying, it may lead to missed offers or inefficiency. Perhaps spend time and energy in advance to conduct a comparative study: Is there a way to help consumers quickly select the payment tool that is most suitable for use in different application scenarios?

Is there a standard for large and small payment amounts? How does the regulatory authority conduct differential risk control for different business contexts and frequency of use?

Perspectives

The large payment system mainly deals with payments related to financial market activities, such as payments related to transactions in the money market, securities market, or foreign exchange market. The retail payment system mainly deals with the receipts and payments of retail transactions in the economic system for individuals or corporations. There are many types of transactions in the small payment system, but the regulatory authority does not have standards for large or small payments. As for the overall payment risk, large payment has a higher risk than small payment. Although small payments have a low risk, it is the most used and involves the most personal data. The risk of transaction with $100,000 is obviously different from the transaction with $100. How does the regulatory authority conduct differential risk control?

24Q u e s t i o n

25Q u e s t i o n


2

遤佅➰涸涮㾝⚺銴㖈倴佅➰㜥兞涸ⶾ鸤僽や䥰㢵렽⺑⟱噠䧴㉂㹻䲿⣘刿㢵涸嶋顥⢪欽㜥兞㼩倴佟瘼䚍崞⛳䥰鑪銴剤僈焷涸劍鋊ⷔ

遤佅➰涸兜⿻♧㣐ꡠ꒳ꅾ럊㖈倴⢪欽㜥兞僽や駈㣁鸏䎙䎃㖈佟䏎莅佅➰噠罏涸⸗⸂♴䊺鷷恸佖㊥⢿㥶佟䏎䌟걧䲿⣘Ⱇ鿈ぐ갪鋊顥玅妵瘞字欰噠顥欽⛓粿秝ぐ㣐馄㉂颪㜥鸮ꓳ㉂䏅❜鸒䊨Ⱘ瘞鿪〳⢪欽遤佅➰罜〥♧倰⛳㟞⸈⮛䟃⟃렽⺑嶋顥罏⢪欽⺫䭍㉂㕖鱲㘗⮛䟃⤛ꌼ㔐꺈䫔䫼瘞崞䲀遤⡎岤䠑佟瘼㹒㼬佪卓僽や駈㣁蕰㼟갸皿麕倴꧌⚥㖈儘佪䚍瀊涸♧妄䚍崞❠搂岁䒸字滞귢䧭遤佅➰涸嶋顥绢䢫䒊陾⚺盘堥ꡠ䥰鋊ⷔ劍佟瘼⟃㛆귢嶋顥罏⢪欽遤佅➰렽⺑⟱噠⿻㉂㹻䲿⣘刿㢵涸嶋顥⢪欽㜥兞⢵麨ⵌ䲿⼮遤佅➰涸溫姻兜⿻

Perspectives

蕰麂ⵌ搂岁⢪欽㶩佅➰涸字滞䧴僽暶婌朜屣儘 ( 㣔担⨢搂笪騟 )Ⱖ佅➰涸宠⿻奚ⵄ鑪僽や剚「䕧갠

湡佟䏎렽⺑涮㾝㶩佅➰⸗⸂䲿넞⢪欽嫲⢿⡎⻍姘⚥㕜繡㕜⸈䊝瘞㶩佅➰嫲⢿涮㾝䧭擿涸㖒⼦罜㨥用岁鋊㹁♶䖤䬩佐植ꆄ殹剪佪桧䲿⼮ⵌ♧㹁ꥣ媯⛓䖕字滞剚㨥㖈䠑荈䊹涸⦐➃须俲㸞罜鱲㔐⢪欽植ꆄ佅➰佟䏎佟瘼⛳갭⨞侮넓䚍涸罌ꆀ蕰僽尝剤腋⸂䧴♶격⢪欽㶩佅➰涸字滞尝剤䩛堥䧴笪騟涸䓳停纈Ⱖ佅➰涸宠⿻奚ⵄ僽や剚「䕧갠殹㕜㹻涸佅➰禺窡넞䏞侸⡙⻋䖕㥶卓麂ⵌ暶婌朜屣 ( 㣔担⨢搂笪騟 )禺窡搂岁麌⡲儘ꆄ輑넓禺僽や㔔姽涝泗ꧪ搭〵抓鼩劢涮㾝ⵌ姽㖒姿⡎㖈䲿넞遤佅➰嫲⢿涸ず儘⛳䥰䲿傍䙼罌姽럊陾겗

Perspectives

26Q u e s t i o n

27Q u e s t i o n


佅➰ | 53

The development of mobile payment mainly lies in the creation of payment scenarios, s h o u l d e n t e rp r i s e s o r m e r c h a n t s b e encouraged to provide more consumption usage scenarios? For policy activities, there should also be a clear long-term plan.

Perspectives

The key to the full popularization of mobile payment is whether the usage scenarios are enough. In recent years, the government and payment providers made great efforts on mobile payment. For example, the government has taken the lead in allowing the public to pay fees and taxes by mobile payment, followed by supermarkets, convenience store chains and transportation. On the other hand, special offers, including business transformation, preferential promotions, rewards and other activities are used to promote mobile payment, but it needs to pay attention to whether the effect of promotion is sufficient, and if the budget is too concentrated on one-time activities with short timeliness which does not attract the public to develop mobile payment habits. It is recommended that the regulatory authority should plan long-term policies to train consumers to use mobile payment and encourage enterprises or merchants to provide more consumer use scenarios to achieve mass-adoption of mobile payment.

If consumers cannot use electronic payments or there are special circumstances (natural disasters, power outages, no Internet connection), will their payment needs and rights be affected?

Perspectives

At present, the government encourages the development of electronic payments and strives to increase the use ratio. However, in regions with mature electronic payment development, such as Northern Europe, Mainland China, and California, the government has begun to legislate to refrain from rejecting cash. When the service efficiency is improved to a certain stage, the public will start to care about their personal data protection and switch back to using cash payment. The government must also consider a more holisitic view. If certain vulnerable groups are unable or unwilling to use electronic payment, dont have mobile phones or internet, will their payment right and ability be affected? When the country 's payment system is fully digitized, if it encounters special conditions (natural disasters, power outages, no Internet), or the system fails to operate, will the country be paralyzed? Although Taiwan has not yet reached this point, it should consider this issue while increasing the proportion of mobile payments.

26Q u e s t i o n

27Q u e s t i o n


2

ꤑ✫䌢鋅涸獆玅⮛䟃⟃⿻酢⸔佟瘼⟃㢫⚺盘堥ꡠ僽や鼩剤Ⱖ➮涸䲃倷腋䲿⼮⢪欽遤佅➰嫲⢿

〵抓剤⛰䧭⟃♳僽⚥㼭⟱噠刿剤륔㣐涸㖒♴竤憘纈鿈ⴕ伱㉂劢䱺「䧴⢪欽遤佅➰涸〳腋⾲㔔䖎㢵⺫䭍噠罏㼩倞猰䪮㷸绢鯱⥃㸛㢵粿䎂〵䩛糵顥佅➰䎂〵滞㢵♶擿䜫乽⡲崩玑橇㞯酤縨㉏겗 ( 鏤⪔䧭劥堥〵䠮䥰♶葻尝剤笪騟 )鿪⢪Ⱖ䧭劥㟞⸈罜⚂⢪欽遤佅➰䖕斊噠须俲鷴僈䏞䲿넞〳腋㼬荞玅䧭劥㟞⸈湡⚺盘堥ꡠ⟃獆玅⮛䟃⿻酢顦佟瘼鹎遤䲀䑞⡎㼩倴斊佐♶ⵌ粿玅壋涸噠罏钸㔔♶㣐⚺盘堥ꡠ僽や鼩剤Ⱖ➮涸䲃倷腋䲿⼮⢪欽遤佅➰嫲⢿⢿㥶ꯓ㕜ꆚ㼩麨♧㹁鋊垸⡎♶䲿⣘㶩佅➰涸㉂㹻鹎遤鄪縫⟃⿻字滞⢪欽遤佅➰嶋顥ꆄ겙〳䫔䫼䨾䖤玅瘞鿪〳⟃⡲捀䲿⼮⢪欽遤佅➰涸罌

Perspectives

嶋顥罏⢪欽㶩佅➰儘䗳갭䲿⣘鏪㢵⦐➃须俲僽や〳⟃鷴麕♶ず涸盘䱾䲃倷⢵ꣳⵖ须俲製꧌涸眕㕠⿻儘佪䚍

嶋顥罏⢪欽㶩佅➰ꧪ搭⤑ⵄ⡎䲿僽䗳갭⯓䲿⣘鏪㢵⦐➃须俲㥶耢窄须鎝ꋓ遤䌙䨩莅⥌欽⽓须鎝瘞窍佅➰噠罏鸏⤑剚鸤䧭嶋顥罏⢪欽♳涸毠䣂㔔捀尝剤盘麥濼麥噠罏㼩倴鸏❉须俲涸⢪欽倰䒭莅崩ぢ捀⡦❠♶焷㹁䱇奚䖕噠罏剚⥃㶸鸏瘘须俲㢵⛉蕰㼟⢵须俲崩ⴀ顑⟤鑪娝㿂倴铪鹎罜〳腋怵隶䧭刿㓂ꅾ⛓须㸞㉏겗㔔姽蕰腋ꆚ㼩佅➰䲿⣘⛓⦐➃须俲涸製꧌眕㕠莅儘佪䚍鹎遤鋊眕⢿㥶鋊㹁㸤䧭嶋顥䖕♧媯儘Ⰹ䗳갭銴䓽ⵖⵅꤑ䧴鏪腋䲿⼮嶋顥罏涸⢪欽䠑격

Perspectives

28Q u e s t i o n

29Q u e s t i o n


佅➰ | 55

In addition to the common tax preference and subsidy policies, does the regulatory authority have other measures to boost the proportion of mobile payment?

Perspectives

More than 90% of enterprises in Taiwan are small and medium-sized enterprises, and there are also huge underground economic groups. There are many possible reasons why some types of vendors do not accept or use mobile payment, including the conservative attitudes toward new technologies, extra platform fees, numerous payment platforms, unfamiliar operating procedures, and device problems (POS equipment cost, poor machine sensing and no Internet), all of which increase costs. In addition, mobile payment boosts the transparency of operating information which also increases the tax costs. At present, the authority promotes mobile payment with tax preference and subsidies, but it is not very attractive to those participants whose revenue does not meet the tax payable threshold. There are other measures, such as South Korea's punishment for businesses that reach a certain size but do not provide electronic payments, and the consumption amount of mobile payment can be deducted from income tax, to be taken as a reference for enhancing the use of mobile payment.

Consumers must provide a lot of personal data when using electronic payments. Is it possible to limit the scope and timeliness of data collection through different control measures?

Perspectives

Although it is convenient for consumers to use electronic payments, the premise is that they must provide a lot of data first, such as personal contact information, bank account and credit card information etc., to the payment service providers, which will create doubts for consumers. This is because there is no channel to know how the participants use these data and its transaction flows, nor how long the authorized operators will keep this data. If in the future, there is a data leak, who should be held responsible for this security problem? Therefore, if the collection scope and timeliness of the personal data provided by the payment can be regulated, such as stipulating that it must be forcibly deleted after a period of time after consumption, the consumer's willingness to use it may increase .

28Q u e s t i o n

29Q u e s t i o n


It mainly discusses the issues of different business models and regulatory technology when new technologies are applied to capital markets to raise funds and wealth management. There are 11 issues on this topic. The highlights of the topic include the risk control issues of Robo-Advisors and the establishment of a regulatory system, relevant laws and regulations for various new financing methods, and the future development of capital markets and wealth management.

⚺銴䱳鎣殹倞䪮遯䥰欽㖈须劥䋑㜥硁꧌须ꆄ⿻頿㺢盘椚儘剚欴❉齡❉♶ず涸㉂噠垸䒭⟃⿻岁鋊湌椚涸㉏겗䱳鎣劥ぢ剤 11 겗㉏겗ꅾ럊⺫䭍 : 椚頿堥㐼➃涸괐ꦖ䱾盘陾겗⿻鋊眕ⵖ䏞⛓鏤用ぐ䒭倞㘗䢀涸硁须倰䒭銴ㆭ❉湱ꡠ岁鋊涸ꂂざ须劥䋑㜥莅頿㺢盘椚劢⢵涸涮㾝㉏겗

3 须劥䋑㜥莅頿㺢盘椚Capital Markets and Wealth Management


3

劢⢵僽や剚佞刿㢵⯋涸ꆄ輑㉂ㅷ㟞⸈堥㐼➃椚頿涸䫏须㢵⯋䚍⟃⤑䒸刿㢵涸嶋顥罏⢪欽

湡堥㐼➃椚頿⛓麌欽➠⟃ ETF (Exchange Traded Fund)⟃⿻㛇ꆄ欴ㅷ捀⚺崩⡎莅Ⱖ➮㕜㹻䧭擿䋑㜥剤㢵珏♶ず겳㘗涸欴ㅷ〳⣘鼇乵湱嫲〵抓 ETF 欴ㅷ⣘䥰侸ꆀ⚛劢㥶Ⱖ➮㕜㹻鞮㺢Ⱖ妄〵抓湡须欴盘椚䋑㜥⛓须欴鋊垸㕜ꥹ⻋莅㉂ㅷ㢵垺䚍⿻䧭擿䏞⛳➠剤䧭瑠㔔堥㐼➃椚頿涸㉂噠垸䒭麨ⵌ竤憘鋊垸䩞腋剤僈곏竤斊佪渤䒊陾⚺盘堥ꡠ논竁湱ꡠ岁鋊⟃㟞⸈堥㐼➃椚頿⢪欽㾵噠罏⛳䥰䒸鹎䧴鏤鎙Ⱘ䫏须䒸⸂⛓欴ㅷ穉ざ㟞⸈字滞⢪欽堥㐼➃椚頿⛓䠑격

Perspectives

植遤涸椚頿㉂ㅷ剤鏪㢵㼠噠哭俒⿻ꣳⵖ湱ꡠ㜡邍䧴须鎝⛳鯱醳꧹ꨈ䥢㥶⡦腋鷴麕ꆄ輑猰䪮鹎遤⼿⸔矦⻋⟃麨兜䟃ꆄ輑⛓湡涸

植遤涸頿㺢盘椚㉂ㅷ⢿㥶飑顠㛇ꆄ⥃ꦖ瘞欴ㅷⰦⰉ㺂⥃ꥻ奚ⵄ纏ꣳⵖ㣐鿈ⴕ鿪僽岁䖒⿻ꆄ輑㼠噠哭俒♧菛字滞ꨈ⟃椚鍑ず儘䋑♳椚頿须鎝㣖㢵字滞製꧌✫⛳♶鋅䖤䥢❠♶濼Ⱖ姻焷莅や噠罏僽や腋诔歋ꆄ輑猰䪮䊨Ⱘ涸⼿⸔欽幏곏僒䥢涸俒㶶铞僈䧴僽欽㕬邍铞僈⼿⸔㹐䨩鹎遤ⴕ區醳꧹涸ꆄ輑㉂ㅷ⟃䲿넞字滞䱺鍸頿㺢盘椚涸䠑격⡜⢪欽壋罜♶僽ꣳ倴湱ꡠ胝兞⿻넞须欴ꥣ秹䩞腋⢪欽⟃麨兜䟃ꆄ輑⛓湡涸

Perspectives

30Q u e s t i o n

31Q u e s t i o n


59须劥䋑㜥莅頿㺢盘椚 |

Will more financial commodities be opened up to increase the investment diversity of Robo-Advisors?

Perspectives

At present, Robo-Advisors are mainly applied to Exchange Traded Funds (ETF) and funds. Unlike other countries that provide many different types of products, Taiwan's ETF product supply is not as abundant. Second, there is still room for growth in Taiwan's current asset management market in terms of the asset size, internationalization, product diversity, and maturity. The obvious operating benefits of Robo-Advisors will emerge only when the business model reaches economic scale. It is recommended that the regulatory authority loosens relevant regulations to increase the application of Robo-Advisors. Participants should also introduce or design an attractive product portfolio to increase investments provided by Robo-Advisors.

The current financial management products are regulated by professional provisions and restrictions, and the related reports or information are also quite complicated. How can FinTech be used to help simplify these for the purpose of inclusive finance?

Perspectives

Most of the current wealth management commodities, such as the purchase of funds, insurance and other products, are subject to legal and financial professional provisions, which are difficult for the general public to understand. At the same time, there are various sources of information about wealth management in the market, and people may not understand it or know whether it is correct. Perhaps participants can help customers illustrate and analyze complex financial commodities through FinTech tools, using simple and easy-to-understand text descriptions, or graphic explanations, so as to increase the public's willingness to access wealth management and lower the threshold of use, to achieve inclusive financing.

30Q u e s t i o n

31Q u e s t i o n


3

嫦⦐䫏须➃涸괐ꦖ㿂䚍⿻䗾「䏞♶ず劢⢵阮ⵚ㘗➿䍤涮遤 (STO) 涸湌椚垦彋僽や〳⟃佞㻫렽⺑刿㢵䫏须➃莅

呏亙ꆄ輑湌漛盘椚㨽㆞剚倴 2019 䎃Ⱇ䋒涸շ阮ⵚ㘗➿䍤涮遤 (Security Token Offering, STO) 湱ꡠ鋊眕ո铞僈㔔阮ⵚ㘗➿䍤Ⱘ剤䫏须䚍⿻崩䚍佦㼟 STO 捀阮ⵚ❜僒岁⛓剤⭆阮ⵚ⚛鋊ⷔ䱰ⴕ秹盘椚2020 䎃 1 剢阮ⵚ壜墵顠颪⚥䗱⛳㼩阮ⵚ㉂竤斊荈遤顠颪Ⱘ阮ⵚ䚍颶⛓贡亼鸒顊噠亼㹁ぐぢ涸鑬稣鋊眕⚺盘堥ꡠ湡罌ꆀ贡亼鸒顊㿂䪮遯わꆀ⿻괐ꦖ玑䏞鯱넞⛓欴ㅷ佦⫦ꣳ㼠噠䫏须➃㨥䖤莅钢飑⿻❜僒⚛ꣳ倴䫏须♲⼧蠝⯋⚂㼩㋲♧❜僒䎂〵「椚⛓须籏겙䏞❠鏤剤♳ꣳ⟃䱾盘侮넓괐ꦖ搭罜嫦⦐䫏须➃涸괐ꦖ㿂䚍⿻䗾「䏞♶ず劢⢵涸䫏须ꣳ겙僽や〳呏亙䫏须➃涸 KYC朜屣鹎遤䔞䚍锅侮罜ꬌ㔿㹁

Perspectives

贡亼顊䍤⡲捀倞莇硁须䊨Ⱘ〳腋荆黩甦鐧꿋⿻❜僒禾秼瘞㉏겗⚺盘堥ꡠ莅噠罏剤ㆭ❉䲃倷⟃笞隌䫏须➃奚渤

贡亼顊䍤⡲捀倞莇硁须䊨ⰨⰦ麌⡲垸䒭ꤑ嶍⿻ꆄ輑阮ⵚ䋑㜥ⵖ䏞㢫麌欽⛓⼦㝆ꕖ䪮遯❠嶍⿻醳꧹涸须鎝䪮遯㼠噠濼陏㥶⡦雊♧菛䫏须㣐滞⯏ⴕ澗鍑Ⱖ麌⡲⾲椚噠垸䒭⿻湱ꡠ괐ꦖ罜♶僽ツ植须鎝♶㼩瘞涸朜䢀姽㢫㔔猰䪮涮㾝鸠䏞黇넞倴岁鋊ⵖ㹁鸠䏞㥶涮欰贡亼顊䍤黩甦䧴䫏须➃涸昰陾✲⟝⚺盘堥ꡠ岁鋊莅噠罏剚䱰遤ㆭ❉䲃倷⟃⼿⸔䫏须➃笞隌Ⱖ奚渤⺫䭍ꆚ㼩䫏须➃涸鑉㉏䧴䞕剤搂䒊用莅䫏须➃彘鸒耢粯涸盘麥Ⱇ奚⸂涸➝Ⰵ玑䏞㼟僽贡亼顊䍤涮㾝涸ꡠ꒳

Perspectives

32Q u e s t i o n

33Q u e s t i o n



Each investor has different risk attributes and dif ferent tolerance levels. Can the supervision standards of STO be eased in the future to encourage more investors to participate?

Perspectives

According to the "Security Token Offering (STO) Relevant Regulations" announced by the Financial Supervisory Commission in 2019, STO is identified as securities for its features of investment and liquidity and falls in the regulated activities of securities and exchange laws. In January 2020, TPEx has been authorized by the competent authorities to formulate the "Taipei Exchange Rules Governing the Operation by Securities Firms of the Business of Proprietary Trading of Security Tokens" and other related regulations. The regulatory authority currently considers virtual currency to be a product with a high technical content and a high degree of risk, so currently only professional investors are allowed to invest STO fund-raising projects. Each fund-raising project for a natural person cannot exceed NT$300,000. There is an upper limit to control the overall risk. However, each investor has different risk attributes and tolerance levels. Rather than a fixed investment limit, can the future limit be flexibly adjusted according to the investor's KYC status?

As an emerging financing tool, virtual currency may face problems such as theft, fraud, and transaction disputes. What measures does the regulatory authority have to protect investors' rights and interests?

Perspectives

As an emerging financing tool, virtual currency, in addition to its financial and securities market systems, the blockchain technology used also involves complex information technology expertise. How can we let the general public fully understand its operating principles, business models and related risks, rather than showing information asymmetry? In addition, the development of technology is much faster than the creation of regulations. In the event of virtual currency theft or disputes with investors, will the regulations of the authority and participants adopt those measures to assist investors in safeguarding their rights and interests, including inquiries about investors or is there a channel to establish communication with investors? The degree of public power on intervening in the development of virtual currency will be the key point.

32Q u e s t i o n

33Q u e s t i o n


3

㥶⡦鷴麕岁鋊佞⿻ꆄ輑猰䪮涸㼬Ⰵ⢪须劥䋑㜥涸猰䪮䥰欽⿻侮넓橇㞯Ⱘ⪔㕜ꥹ畹昰⸂

㔔〵抓㿂幏焈⛓㼭㘗须劥䋑㜥㖈괐ꦖ䱾盘涸佟瘼♴䋑㜥岁鋊鯱⨋ぢ⥃隌䫏须➃⟃荞剤鏪㢵琎噲㘗涸䫏须㉂ㅷ搂岁鹎Ⰵ〵抓⡎僽捀✫鷆宠须劥䋑㜥涸㕜ꥹ秹畹昰⸂⟃⿻ꆄ輑猰䪮涸㼬Ⰵ麌欽僽や銴鹎♧姿䱳鎣岁鋊涸〳腋䚍⟃䒸㼬〵抓须劥䋑㜥莅㕜ꥹ䱺鮨 ? 罜〵抓湡⛳鯱緄⛘䒸䫏须涸㕜ꥹ䚍垦涸䒊陾䱰《刿佞涸䢀䏞⢵佞䋑㜥⚂䙼罌㥶⡦鷴麕㼬Ⰵꆄ輑猰䪮涸麌欽⸈䓽䲀ꆄ輑猰䪮Ⱇ⿻ⶾ倞猰䪮涸涮㾝

Perspectives

〵抓须劥䋑㜥⨋ぢ炽넓欴噠僽や♶ⵄ倴倞ⶾ⿻ꆄ輑猰䪮噠罏硁须⛳ꨈ䒸䒸㕜㢫㣐㘗噠罏⢵〵♳䋑

〵抓⟃⫄窡醢鸤⿻顬僒ⴀ〡饱㹻ꦑ衽䋑㜥隶⻋鷷恸鱲㘗䧭㼠噠➿䊨⿻㶩醢鸤炽넓欴噠㖈须劥䋑㜥♳⡥✫鵜Ⱉ䧭嫲⢿㔔姽䋑㜥䫏须➃莅䋑㜥垦涸⚺崩鿪僽灇瑖炽넓欴噠㥶卓銴雊须劥䋑㜥騈♳ꆄ輑猰䪮涮㾝馸㟞⸈劢⢵畹昰⸂⚺盘堥ꡠ䥰鑪銴䙼罌僽や⟃刿佞䢀䏞⥜姻շⰗ岁ոշ阮⽷❜僒岁ո瘞♳䋑壜鋊雊倞ⶾ⿻ꆄ輑猰䪮噠罏刿ⵄ倴硁须欩荛䒸㕜㢫㣐㘗噠罏⢵〵♳䋑倞ⶾ⿻ꆄ輑猰䪮噠罏涸倞猰䪮倞涸斊麌垸䒭䗳갭銴㖈须劥䋑㜥腋《䖤剓㣐涸劢⢵⭆⧩䩞僽剤畹昰⸂涸须劥䋑㜥

Perspectives

34Q u e s t i o n

35Q u e s t i o n



How can the techonology application and overall environment of the capital market be competitive internationally?

Perspectives

Taiwan's capital market remains shallow as regulations tend to protect investors under the risk control policy, so that active commodity investments cannot enter Taiwan. But in order to pursue the international competitiveness of the capital market and the sustainable development of F inTech, perhaps i t is necessary to further explore the possibi l i ty of regulations to guide Taiwan's capital market into international integration. Taiwan currently lacks an international target for attracting investment. It is recommended to adopt a more open attitude to strengthen the development of FinTech companies and FinTech innovations.

Taiwan's capital market is biased towards hardware industries and not conducive towards financing FinTech startups and companies. Is it difficult to attract large foreign companies to list in Taiwan?

Perspectives

Taiwan's capital market started with traditional manufacturing and export trading. As the market changed, it gradually transformed into professional OEM and electronic manufacturing. The hardware industry accounts for nearly 60% of the capital market. Therefore, mainstream market investors and market targets are those devoting research to the hardware industry. If the capital market is to keep up with the development trend of FinTech and boost the future competitiveness, the regulatory authority should consider whether to amend the Company Act, Securities and Exchange Act and regulations on securities listings for FinTech startups and FinTech companies financing. The operating model and new technology of startups and FinTech companies must have the greatest future value in the capital market to be competitive.

34Q u e s t i o n

35Q u e s t i o n


3

馊⢵馊㢵字滞격䠑㎲鑑⢪欽椚頿堥㐼➃涸剪劢⢵蕰佞荈♴㋲⸆腋剤搂⟤⡦ꂂ㤛䲃倷腋㣁⥃隌䫏须➃奚渤

湡〵抓涸椚頿堥㐼➃僽麌欽怵皿岁鷴麕㣐侸亙⿻鎙ꆀ垸㘗ⴕ區捀㹐䨩涸괐ꦖ瘞秹ꂂ縨䫏须穉ざ⟃⿻㖈♧㹁哭⟝♴䲿⣘须欴ⱄ䎂邂剪♧菛⛳珖捀䫏须곃㉏剪荈⻋蕰劢⢵仍㣐ⵌ奚❜窍 AI 堥㐼➃鹎遤荈♴㋲㻜植椚頿荈⻋湡垦殹麂ⵌ䋑㜥殯䌢岚䧴僽怵皿岁ꐫ铐儘㥶⡦鼚⯝㖈阮ⵚ❜僒䋑㜥噲畮朜屣♴㔔荈♴㋲堥ⵖ鸤䧭䫏须➃涸䴦㣟⚺盘堥ꡠ僽や剤⟤⡦ꂂ㤛䲃倷䧴鋊眕腋㣁✲殹♴✲䖕涸⥃隌䫏须➃奚渤湡涸瘞湱ꡠ岁⟂僽や駈㣁⥃ꥻ

Perspectives

㥶⡦剤佪䲀䑞껷妄➿䍤涮遤 (ICO) ⟃⿻阮ⵚ㘗➿䍤涮遤 (STO)雊倞ⶾ噠罏剤刿㢵⯋涸须盘麥

껷妄➿䍤涮遤 (Initial Coin Offering, ICO) 僽䭸⟱噠鷴麕涮遤չ⟃⼦㝆ꕖ䪮遯捀㛇燊պ⛓㼠㿂贡亼➿䍤⢵ぢ暶㹁䧴♶暶㹁涸Ⱇ滞꧌岁㹁顊䍤䧴僽贡亼顊䍤⛓须遤捀⡎㔔♧菛 ICO 须♶「佟䏎湌盘乩剤⼦㝆ꑙ䪮遯莅之㻨涯淼剅⽰〳涮遤㼬荞鐧꿋괐ꦖꬌ䌢넞倴僽涮㾝ⴀ阮ⵚ㘗➿䍤涮遤 (Security Token Offering, STO)STO⢪欽涸䪮遯莅 ICO湱ず⡎僽䗳갭莅须欴䧴奚渤竁㹁⢿㥶植ꆄ肆⟨㔿㹁佐渤须欴♶欴㣐㸻㉂ㅷ瘞㔔姽 STO 「ⵌぐ㕜阮ⵚ⚺盘堥ꡠ涸鏪〳莅鋊眕〳⟃㼟 STO 鋕捀刿⸈痘ざ岁䖒鋊眕涸 ICO鸏Ⰽ罏鿪瑳灶✫⫄窡ꆄ輑涸须ꥻ燘鷴麕⸈㺙顊䍤莅兰腋ざ秉涸倰䒭꧌须ꆄ䧭捀倞㘗涸须盘麥㔔䥰鸏❉倞㘗须盘麥䒊陾佟䏎ꅾ倞增鋕⟱噠硁须⛓岁鋊⸈Ⰵꆄ輑猰䪮涮㾝涸湱ꡠ佟瘼⼿⸔倞莇硁须ꆄ輑猰䪮䊨Ⱘ㖈〵抓涸涮㾝

Perspectives

36Q u e s t i o n

37Q u e s t i o n



M o re a n d m o re p e o p l e a re w i l l i n g to try the services of Robo-Advisors. If the automatic order p lacement funct ion is created in the future, wil l there be any supporting measures to protect the rights and interests of investors?

Perspectives

Currently, Robo-Advisors in Taiwan use algorithms, big data, and quantitative model analysis to configure investment portfolios based on customers' risk levels and provide asset rebalancing services under certain conditions. This is commonly known as an automated investment advisor. In the future, if AI robots have the power to conduct automated investments and achieve the goal of financial automation, will authorities have any supporting measures or regulations that can protect the rights and interests of investors to avoid investment losses under the extreme conditions of the securities trading market when facing abnormal market fluctuations or algorithm errors? Currently, do relevant laws and regulations protect investors thoroughly?

How can we effectively promote the initial token offering (ICO) and the security token offering (STO), so that new entrepreneurs have more diversified funding channels?

Perspectives

ICO (Initial Coin Offering) refers to the fund-raising behavior of enterprises to raise fiat money or virtual money from a specific or non-specific public by issuing exclusive virtual tokens "based on blockchain technology". However, general ICO fundraising does not need to be regulated by institutions and governments, it only needs to have blockchain technology and write white papers, which leads to a very high risk of fraud. Therefore, STO (Security Token Offering) has been developed. STO uses the same technology as ICO, but the security token must be bound to assets or equity, such as cash, shares, fixed income assets, real estate and commodities. Therefore, STO must be approved and regulated by the securities authorities of various countries. STO can be regarded as an ICO that is more in line with legal regulations. Both of ICO and STO have broken through the fundraising barriers of traditional fundraising and become a new type of funding channels through cryptocurrencies and smart contracts. In response to these new fundraising channels, it is recommended that the government review the corporate fundraising regulations and add relevant FinTech development policies to assist in the development of fundraising tools in Taiwan.

36Q u e s t i o n

37Q u e s t i o n


3

堥㐼➃椚頿胝䖕怵皿岁䨾ꦡわ涸괐ꦖ鑪㥶⡦鐱⠮僽や剤湱ꡠ䭸垦䧴侸亙〳⟃刿僈焷涸雊⢪欽罏鹎遤嫲鯱

怵皿岁捀堥㐼➃椚頿涸剪禺窡呍䗱♶ず怵皿岁䱰欽⛓垸㘗䨾欴欰涸须欴ꂂ縨䫏须䒊陾莅籑佪邍植涼〳腋♶ず⚺盘堥ꡠ銴宠噠罏Ⰹ鿈䗳갭䒊用怵皿岁涸湌盘堥ⵖ⺫わ鹎遤劍ⴲ㻤呍⟃⿻㹁劍㻤呍搭罜植遤⚛搂㼟怵皿岁괐ꦖ僈焷䳷ꪫ⿻ⵄ倴⢪欽罏鐱⠮⛓䭸垦⚺盘堥ꡠ僽や䥰翵锞㼠㹻㕰♧饱鳺陏湱ꡠ괐ꦖ鷴麕湌椚猰䪮涸鹎姿增鋕噠罏怵皿岁⛓䫏须❜僒遤捀僽や殯䌢隶⻋⚛䒊用⽰儘鸮箁湌椚堥ⵖ䭰糵ꡠ岤䋑㜥괐ꦖ

Perspectives

㼩倴⢿㥶껷妄❜僒䎂〵涮遤 (IEO) 瘞湱ꡠ倞莇硁须倰岁佟䏎涸佞涸佟瘼僽や䥰鑪刿僈焷⟃⥃隌字滞奚渤莅렽⺑噠罏涮㾝

껷妄❜僒䎂〵涮遤 (Initail Exchange Offering, IEO)僽䭸倞ⶾⰗ㖈⸈㺙顊䍤❜僒䎂〵涸䍲⸔♴ⴀ㈒Ⱖ⸈㺙➿䍤⟃鹎遤輑须涸遤捀IEO 歋❜僒䎂〵胝剅涮遤倞ⶾⰗ鷴麕❜僒䎂〵雊㣐滞鹎遤顠颪騥麕ぢ㣐滞须涸麕玑湬䱺䪾➿䍤佞㖈❜僒䨾♳鹎遤ꌼ㈒❜僒Ⱖ劥颶莅 ICO湱ず⡎㼟䨾剤銴罌ꆀ涸괐ꦖ㔔稇鿈鱲獵窍❜僒䨾〳⟃椚鍑䧭❜僒䨾欽Ⱖ荈魨涸㻤呍ⵖ䏞⢵➿剐湌盘湡⚺盘堥ꡠ⫦㼩倴鸏❉侸㶶须欴❜僒䨾涸峤ꐏ (Anti Money Laundering, AML)鿈ⴕ鹎遤⥜岁秝盘2019 䎃Ⱇ䋒涸շ阮ⵚ㘗➿䍤涮遤 (Security Token Offering, STO) 湱ꡠ鋊眕ո殹⚥⛳搂鹎♧姿铞僈 IEO湱ꡠ佟瘼䒊陾佟䏎㼩倴佞 IEO䋑㜥佟瘼䥰刿⸈僈焷

Perspectives

38Q u e s t i o n

39Q u e s t i o n



How to expose and evaluate the risks behind Robo-advisor algorithms?

Perspectives

The algorithm is the core of the Robo-advising service system, meaning that the asset allocation, investment advice and performance may vary with models used by different algorithms. At present, the regulatory authority requires that participants must establish an algorithm monitoring mechanism, including initial and regular reviews. However, the risks of algorithms and assessment indicators are not exposed. Perhaps the regualtory authority should hire a team of experts to identify related risks and check whether the investment transaction behavior of the operator's algorithm changes abnormally via advanced technological supervision and establish a real-time supervision mechanism to continuously pay attention to market risks.

Should the government's pol icy on the opening of the initial exchange offering (IEO) market be clearer?

Perspectives

IEO (Initial Exchange Offering) is a fundraising event operated directly by cryptocurrency exchanges for financing. IEO is conducted on the platform of a cryptocurrency exchange. Startups allow the public to buy and sell through the trading platform, skipping the process of raising funds from the public, and directly have token exchanges on the trading platform. It is essentially the same as ICO, but all the risk factors that need to be considered are transferred to the exchange. It can be understood that the exchange uses its own monitoring system to replace supervision. Since the agreement reached by both parties will not be announced, there are still regulatory concerns about the stability of the exchange and the brand reputation. At present, the competent authority only revises and manages the "Anti-Money Laundering (AML)" part of these digital asset exchanges, and there is no further explanation for IEO related policies in the "Security Token Offering (STO) Related Specifications" announced in 2019. It is suggested that the government should be clear about the policy regarding opening the IEO market.

38Q u e s t i o n

39Q u e s t i o n


㥶⡦鷴麕 Open API 涸须鎝ⴕ❧㼟侸亙涸⚺㼬奚鼩窍嶋顥罏䲿⼮阮ⵚ䧴頿㺢盘椚䨩佪桧

Open API涸礶牟㖈倴须鎝ⴕ❧诔姽䲀ꆄ輑噠ꆄ輑猰䪮噠⿻ꬌꆄ輑Ⱇ⛓ざ⡲莅畹昰⛳㼟侸亙涸⚺㼬奚鼩窍嶋顥罏嶋顥罏〳⟃栽䖤刿㢵⯋涸騗ꆄ輑剪TSP噠罏溁♴侸亙湱ꡠ䧭劥ꆄ輑噠罏僽䱺鍸刿㢵㹐彂Ⱏず麨ⵌ♲飷涸㽷罜佞ꋓ遤 (Open Banking) 湡佞ⵌ痧♧ꥣ媯涸㉂ㅷ须鎝叆鑉痧✳痧♲ꥣ媯涸㹐䨩须鎝❜僒须鎝嶍⿻㾵鯱䑞⺫䭍㹐䨩须俲涸䒊用湱ꡠ䗚⥌㻤呍堥ⵖ涸鏤鎙➠剤䖊⚺盘堥ꡠ僈焷Ⱇ䋒鋊眕㔔植遤涸阮ⵚ䨩崩玑籗榹⿶罳儘㸤阮ⵚ䨩鼩銴ⱄꋓ遤䨩蕰劢⢵腋㣁鷴麕 Open API 涸侸亙⚮䱺⢿㥶鸮穡Ⱖꆄ輑堥圓䊺䨩阮僈䧴⦐➃须俲❜僒僈稣頿⸂阮僈瘞须鎝㼟〳⟃䲿⼮䨩佪桧

Perspectives

How can the eff ic iency of securit ies or wealth management account opening be improved through Open API information sharing in order to return the leading power of data to consumers?

Perspectives

The spirit of Open APIs (Open Application Programming Interface) lies in information sharing, thereby promoting cooperation and competition between financial, FinTech and non-financial companies. It also returns the dominance of data to consumers who can get more diverse cross-financial services. Third-party service providers (TSPs) can save data-related costs while financial service providers can win more customers to achieve a win-win situation. Open Banking is currently only open to the first stage of product information query. The second and third stages of customer information and transaction information involve a wide range of aspects, including the establishment of customer information and the design of the relevant credit review mechanism. The specifications still need to be announced by the regulatory authority. Because the current securities account opening process is cumbersome and time-consuming, you must open a bank account after opening a securities account. If you can use the Open API data connection in the future, such as linking the certification of the financial institution's opened account or the consumer's personal data, transaction details, financial statement and other information, it will improve the efficiency of account opening.

40Q u e s t i o n

40Q u e s t i o n


Financial literacy is the concept and risk control of financial issues in education, individuals, participants, and government units. They should all think together about how to improve financial literacy. This topic has 11 issues in total. The key issues include whether the government and participants should promote financial knowledge and credit management at the same time from education and the market, the implementation of laws, the rights and obligations of the people, the development of FinTech companies, management, risk control, and attribution of issues among Open API, Open Banking and TSP operators.

頿竤稇귢僽㼩頿竤陾겗嚌䙂ㄤ괐ꦖ涸钢濼莅盘椚⺫わ來肬⦐➃噠罏佟䏎㋲⡙鿪䥰♧饱䙼罌㥶⡦䲿⼮劥ぢⰟ剤 11 겗㉏겗ꅾ럊⺫䭍 : 佟䏎莅噠罏䥰䖰來肬⿻䋑㜥ず儘鹎遤ꆄ輑濼陏⥌欽盘椚涸湱ꡠ䲀䑞岁䖒涸㛂遤莅鋊眕䕧갠字滞涸奚ⵄ纏⟃⿻ꆄ輑猰䪮噠罏涸涮㾝Open APIOpen BankingTSP噠罏⛓涸盘椚괐䱾顑⟤娝㿂陾겗⛳㖈姽ぢ♧ず鎣锸

4 頿竤稇귢莅♧菛䚍陾겗Financial Literacy and General Issues


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佟䏎㋲⡙㥶⡦䓽⻋⥌欽盘椚涸盘ⵖ莅來肬䲀䑞⟃衆㻜〵抓字滞㼩倴⥌欽盘椚涸钢濼莅⢪欽

〵抓吥㕨ꡠ倴ꆄ輑濼陏涸䲀䑞來肬㢵⨋ぢ姻焷椚頿錚䙂ꆄ輑鐧꿋涸姺瘞鯱緄⛘⥌欽盘椚來肬⟃荛倴嶋顥罏♶椚鍑⥌欽鐱瘞僽➊랃㥶⡦〳⟃隶㥪⟃⿻⥌欽♶葻㼩Ⱖ䌟⢵涸䕧갠ꐫ铐涸⦐➃⥌欽盘椚錚䙂〳腋㼬荞⥌欽灶欴䕧갠劢⢵⢪欽ꆄ輑剪涸奚渤⢿㥶殹䎃涸⽓⫈괐凐雊字滞騈ꋓ遤Ⰽ侁⥡⫊佟䏎㋲⡙㥶⡦䓽⻋⥌欽盘椚涸盘ⵖ莅來肬䲀䑞⟃衆㻜〵抓字滞㼩倴⥌欽盘椚涸钢濼莅⢪欽

Perspectives

䒊陾ꆄ輑⿻來肬涸⚺盘堥ꡠ䥰㼟ꆄ輑㉂ㅷ濼陏涸䲀䑞衆㻜倴ぐꥣ媯來肬铭玑鼚⯝欴欰ꆄ輑遤捀⨋䊴⿻㼩ꆄ輑猰䪮涸⥌⟤䏞♶㣁⛓䞕䕎

鵜䎃⢵ꆄ輑猰䪮䘰鸠涮㾝ぐ䒭倞莇ꆄ輑剪莅㉂ㅷ♶倬ⴀ植⢪䖤ꆄ輑俒湨㉏겗刿⸈㓂ꅾ殹ꆄ輑㉂ㅷ濼陏䲀䑞劢腋⯏ⴕ衆㻜倴吥㕨來肬儘㼟㼬荞嶋顥罏鹎Ⰵ爢剚䖕㼩ꆄ輑椚頿濼陏♶駈㼩ꆄ輑猰䪮⥌⟤♶㣁ꨈ⟃麨ⵌ兜䟃ꆄ輑涸湡垦ꤑ✫ꆄ輑⿻來肬⚺盘堥ꡠ䥰䭰糵⸈䓽吥㕨ꆄ輑濼陏涸䲀䑞來肬㢫⛳䒊陾Ⰵ铭笧來勞䧴鹎遤钢濼增㹁⣜♶ず㾵秹窍莅湱㼩䥰涸ꆄ輑濼陏來肬䧭用㼠涸ꆄ輑來肬灇瑖涮㾝㋲⡙字噠罏⛳剤顑⟤⼿⸔䲀䑞欽刿涯鑨刿顦鵜字滞涸倰䒭鹎遤ꆄ輑濼陏來肬

Perspectives


頿竤稇귢⿻♧菛䚍㉏겗 | 71

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How can the awareness of credit management in Taiwan be strengthened and implemented into the education system in order to raise awareness for credit management?

Perspectives

The promotion and education of financial knowledge on Taiwanese campuses tend to focus on correct financial management concepts and the prevention of financial fraud. The lack of credit management education causes consumers to not understand the concept of credit rating, how to rebuild it, and the impact of bad credit score. Wrong personal credit management concepts may lead to bankruptcy and affect the rights and interests of using financial services in the future, such as a credit card debt storm, which creates huge losses for the public and the bank. Government units should continue to promote the education of credit management in order to strengthen the public's awareness and understanding.

The promotion of financial commodities k n ow l e d ge n e e d s to b e i m p l e m e n te d by the regulatory authorit iy of f inance and education in all levels of education courses to avoid deviations in f inancial behavior and insufficient trust in financial technology.

Perspectives

In recent years, the rapid development of FinTech and the emergence of various technology services and commodities has highlighted the financial literacy problem. If the promotion of financial commodity knowledge is not fully implemented in campus education, it will result in insufficient knowledge of finance and financial management after entering society, and users will have insufficient trust in financial technology, making it difficult to achieve the goal of inclusive financing. In addition to the relevant financial and education authorities, the promotion and education of financial knowledge on campus should be continuously strengthened. It is also recommended to comprehensively include curriculum textbooks or conduct certain cognitive inspections, provide corresponding financial knowledge education at different levels, and establish a special financial education research development unit. Startups in the market also have a responsibility to promote education and provide financial knowledge education in a more accessible way.


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佟䏎腋や剤刿㢵⤑ⵄ涸㾝爚瑠⣘倞ⶾ噠罏㾝爚✽⢪嶋顥罏〳⟃幀Ⰵ✫鍑湱ꡠ䥰欽䪮遯⿻擿䜫欰崞⢪欽㜥㚖

鏪㢵倞ⶾⰗ剤㥪涸ⶾ䠑䟝岁莅倞㘗䢀涸剪⡎蕲搂堥剚莅嶋顥罏䱺鍸莅㾝爚佟䏎僽や腋剤♧⦐劍涸瑠⣘倞ⶾ噠罏㾝錒⸈䓽莅嶋顥罏✽䒊陾〳⟃湏럊湱ꡠ㜥㖒须彂佞噠罏鏤縨넓뀿鏤倷㾝爚荈䊹涸ⶾ䠑涮䟝莅斊麌垸䒭䩧鸤♧䏠✽䒭涸 FinTech 넓뀿긭⢪嶋顥罏〳⟃幀Ⰵ✫鍑湱ꡠ䥰欽䪮遯⿻擿䜫欰崞⢪欽㜥㚖ꤑ✫㻜넓㾝爚⛳〳⟃㹁劍⨞倞ⶾⰗ涸䕀侮矦➝须俲㹁劍Ⱇ䋒倴笪騟⼿⸔㟞⸈⟱噠刕⯕䏞

Perspectives

ꦑ衽 Open API 涸鷷姿佞TSP 噠罏涸盘椚垦彋僽や〳⣜嶍Ⰵ噠괐ꦖ鎎㹁♶ず涸ⴕ秹盘椚鋊眕

ꦑ衽⚺盘堥ꡠ㼩倴 Open API 涸鷷姿佞㼩倴 TSP 噠罏劢⢵涸宠⟃⿻涮㾝䚍⛳馊⢵馊㣐ꆄ輑堥圓莅 TSP 噠罏剚剤刿㢵涸ざ⡲垸䒭ⴀ植ꤑ✫䊺Ⱇ䋒涸湱ꡠ荈䖒鋊眕垦彋⟃⿻䥰黾㸛✲갪⟃㢫ꦑ衽♶ずꥣ媯涸佞㼩湱ꡠ噠罏涸銴宠㼟鷷恸䲿넞捀렽⺑噠罏䫏Ⰵ䋑㜥雊须彂♶駈涸㼭㘗 TSP噠罏⛳腋䲿⣘ꆄ輑猰䪮ⶾ倞涸〳腋僽や〳⟃罌䣂呏亙嶍Ⰵ涸噠Ⰹ㺂괐ꦖ넞⡜玑䏞鎎㹁♶ず涸ⴕ秹盘椚鋊眕

Perspectives



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Can the government provide a more convenient display space for startups to show and strengthen interaction with consumers so that they can have a deeper understanding of related application technologies?

Perspectives

Many startups have creative ideas and new-type services, but they have no opportunity to interact with consumers. Can the government provide a long-term space for startups to strengthen interaction with a new generation of consumers? It is recommended to check relevant venue resources, to open the right for participants to set up experience facilities, display their creative ideas and operating models and create an interactive FinTech experience hall, so that consumers can have a deeper understanding of related application technologies and become familiar with its usage. In addition to physical display, it is recommended to regularly collect brief profile information about startups and publish them on the Internet to help increase corporate exposure.

With the opening of the Open API, can the management standards of TSP operators be adjusted according to the business and the risk involved with it?

Perspectives

With the gradual opening of the Open API(Open Application Programming Interface) by the regulatory authorities, the future demand for Third-party Service Providers (TSP) is also driven up and there will be more cooperation models between financial institutions and TSPs. In addition to the published self-regulatory norms, standards, and matters to be complied with, the requirements for relevant providers will gradually increase. In order to encourage providers to enter the market and allow small TSPs with insufficient resources to have the possibility of FinTech innovation, different levels of management regulations should be considered for different business contents and their respective risk levels.


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TSP 噠罏莅ꆄ輑堥圓⛓涸ざ⡲垸䒭莅顑⟤娝㿂㥶⡦ⷔⴕ僽や剚䕧갠ꆄ輑堥圓涮㾝佞ꋓ遤 (Open Banking) 涸䠑격

湡⚺盘堥ꡠ⨞岁⫙ぢ⯓Ⱇ䋒 TSP 噠罏涸黻鼇⾲ⱄ⟃겳⡂㨽㢫⡲噠涸嚌䙂歋ꆄ輑堥圓荈遤㼦䪪湱ꡠ噠罏ざ⡲㔔姽ꆄ輑堥圓銴捀荈䊹䨾䪪涸噠罏頾顑罜 TSP 噠罏䥰黾㸛湱ꡠ荈䖒鋊眕垦彋⟃⿻岤䠑✲갪蕰涮欰㹐䨩须俲㸞㢫峾⿻昰陾顑⟤娝㿂㉏겗㕜㢫⨞岁僽⯓歋ꆄ輑堥圓奚ぢ嶋顥罏頾顑ⱄ鎣锸䖕糵顑⟤娝㿂莅宠⮉⡎姽⡲岁や痘ざ〵抓➠剤䖊鎣锸㖈鼩尝剤僈焷涸鋊眕⛓♴僽や剚䕧갠ꆄ輑堥圓涮㾝佞ꋓ遤 (Open Banking) 涸䠑격⚺盘堥ꡠ䥰㢵⸈䙼罌

Perspectives

Open API涸佞⤑ⵄ䚍莅⦐➃须俲岁涸㸞⥃隌銴㥶⡦奚邂须鎝堾騗㢵䎂〵莅噠罏⚺盘堥ꡠ僽や剤腋⸂䧴罏堥ⵖ䪪ⴀ㉏겗呏彂⿻䖕糵顑⟤ꆂ幢

㕜㢫 Open API 剤僈焷涸岁䖒佞鋊㹁⿻㸤侮涸⦐须⥃隌⡲捀ꂂ㤛䲃倷⢿㥶姘湅佞ꋓ遤须俲岁♴涸➰妵剪䭸爚岁 (The second Payment Services Directive, PSD2) ⟃⿻♧菛须俲⥃隌鋊眕 (General Data Protection Regulation, GDPR)罜㕜Ⰹ湡 Open API 僽歋ꆄ輑噠罏荈격䚍佞须鎝⚛尝剤岁⟂⣜亙䓽ⵖ鹎遤⦐➃须俲⥃隌岁⛳鼩剤⥜姻瑠㔔姽㖈 Open API涸佞⤑ⵄ䚍莅⦐➃须俲⥃隌岁涸⥃ꥻ⛓⚺盘堥ꡠ鑪㥶⡦奚邂㼩〵抓剤ⵄ涸涮㾝垸䒭 ? 劢⢵Open API痧✳♲ꥣ媯涸佞䖕嶋顥罏〳⟃❧「ⵌ刿㸤侮刿䘰鸠涸ꆄ輑剪湱㼩涸㖈䖕〵莅须鎝⚮䱺涸錬蒀⿻ⴕ❧涸侸亙⛳剚㟞⸈殹 API 须鎝騗㢵䎂〵莅噠罏儘⚺盘堥ꡠ僽や剤腋⸂䧴罏堥ⵖ䪪ⴀ㉏겗呏彂⿻䖕糵顑⟤ꆂ幢

Perspectives

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How can we divide the cooperation mode and responsibility between TSP operators and f inancial institutions? Wil l it affect the willingness of financial institutions to develop Open Banking?

Perspectives

At present, the regulatory authority first publishes the selection principles of TSPs, and then financial institutions will find relevant providers to cooperate with, similar to the concept of outsourcing operations. Therefore, financial institutions should be liable for their providers, and TSPs should abide by relevant self-regulatory norms, standards, and precautions. In the event of a customer's security breach and the attribution of disputed liability, the practice in foreign countries is that solely the financial institution is responsible to the consumer, and will then discuss the subsequent liability attribution and compensation. Whether this practice will work in Taiwan remains to be discussed. In the absence of clear regulations, the regulatory authority should think more about whether it will affect the willingness of financial institutions to develop Open Banking.

How can we strike a balance between the convenience of Open APIs and the security protection of the Personal Data Act? With information across so many platforms and participants, how can the regulatory authority identify the source of the problem and clarify the subsequent responsibility?

Perspectives

There are clear regulations and complete personal data protections as supporting measures for Open APIs in foreign countries, such as the EU's PSD2 (Payment Service Directive) and GDPR (General Data Protection Regulation). At present, Open APIs are voluntarily opened by financial institutions in Taiwan, and there is no legal basis to enforce it. There is still room for amendments to the protection of Personal Data Act. How should the authorities decide which model is beneficial to Taiwan's development? After the opening of the second and third stage of the Open API, consumers can enjoy more complete and faster financial services, and the relative participants involved in information integration can share more and more data. When API information spans so many platforms and participants, once a problem occurs, does the regulatory authority have the ability or mechanism to identify its root cause and clarify the subsequent responsibility?

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鵜劍䫏须贡亼顊䍤欴ㅷ涸倞耂♶倬ⴀ植Ⱖ嶍⿻峤ꐏ屛❜僒㻜そⵖ⿻嶋顥罏⥃隌瘞門㢵陾겗佟䏎㋲⡙涸湱ꡠ湌盘堥ⵖ捀⡦ ?

鵜⢵椕贡亼顊䍤涸湱ꡠ欴ㅷ♶倬䲀ⴀぐ㕜秼秼㼩Ⱖ⡲ⴀ㹁纏ꆂ幢⿻ⵖ㹁刿僈焷涸湌盘呥卺⚥㣜ꋓ遤邍爚㔔Ⱖ⭆呔岚ⷜ捙⚂搂⚥䗱⻋涸涮遤罏⥌⟤堥ⵖ➠♶㸤㊥尝剤⟤⡦⥃ꥻ堥ⵖ莅ⵖ䏞䚍㸞䱖涮㾝荛➛➠♶Ⱘ顊䍤⸆腋⫦捀♧珏贡亼㉂ㅷ♶黠ざ⡲捀佅➰䊨Ⱘ⟃⿻莅植㻜ꆄ輑䋑㜥穡ざꤑ姽⛓㢫贡亼顊䍤嶍⿻峤ꐏ屛❜僒㻜そⵖ⿻嶋顥罏⥃隌瘞門㢵陾겗湌盘ꨈ䏞鯱넞䒊陾佟䏎湱ꡠ㋲⡙䥰䑞秝ぐ㕜⡲岁⭽鸠灇亼ⴀ僈焷⚂黠ざ〵抓ꆄ輑䋑㜥涮㾝涸贡亼顊䍤湌盘堥ⵖ

Perspectives

⚺盘堥ꡠ㥶⡦䲿⼮侮넓字滞⛓ꆄ輑濼陏宐彋⟃⿻ꆄ輑莅桧

垦彋兜晋Ⱇ (Standard & Poor's) 㖈 2015 䎃涮邍✫椕ꆄ輑濼陏宐彋锅叆㜡デ⚥䭸ⴀ❏崎㖒⼦剤㔋ⴕ⛓♲涸䧭䎃➃鯱♶Ⱘ⪔ꆄ輑濼陏罜〵抓涸ꆄ輑陏㶶桧⫦ 37⫦殜넞倴椕䎂㖳涸33〳⟃溏ⴀꧪ搭〵抓爢剚㛇燊來肬兜⿻⡎㢵侸字滞➠贖倴ꆄ輑濼陏宐彋♶駈朜䢀㽍Ⱖ僽㷸欰䎃罏㣟噠罏⾲⡞字瘞䓳停纈刿⸈䓽蕰字滞㼩㛇劥涸ꆄ輑濼陏钢濼♶駈ꤑ搂岁剤佪⥃ꥻ荈䊹奚渤㢫㓂ꅾ罏欩荛䒸涮爢剚㉏겗⢿㥶鷎⠅ꆄ椚頿鐧꿋遤捀陪錏鿪⧩䖤⚺盘堥ꡠꅾ鋕ꤑ✫⾲剤涸ꆄ輑濼陏⟃㢫ꦑ衽ꆄ輑㉂ㅷ莅剪㢵⯋⛳䥰秝Ⰵ峤ꐏⵖ贡亼顊䍤笃蒀ꆄ輑⿻ꆄ輑猰䪮湱ꡠ倞莇陾겗

Perspectives



Recent news about invest ing in virtual currency products is constantly emerging, w h i c h i nvo l ve s i s s u e s s u c h a s m o n ey laundering prevention, transaction real-name system, and consumer protection. What is the relevant regulatory mechanism of government units?

Perspectives

How can the regulatory authority improve the financial l iteracy level and financial participation rate of the entire population?

Recently, products related to global virtual currencies have been constantly emerging, and countries around the world have clarified virtual currencies and introduced a clearer regulatory framework. The central bank said that due to its fierce price fluctuations and decentralized issuers, the trust mechanism is sti l l not perfect, there is no guarantee mechanism and institutional arrangements, and the development still has no monetary function. It is only a virtual commodity, not suitable as a payment tool and not integrate with realistic financial market. In addit ion, virtual currency involves many issues, such as money laundering prevention, real-name system and consumer protection, so it is difficult to supervise. It is recommended that relevant government units should adopt the practices of various countries and develop a virtual currency supervision mechanism suitable for the development of Taiwan's financial market.

Perspectives

According to the 2015 Global Financial Literacy Survey (S&P Global FinLit Survey), three-quarters of Asian adults in Asia are less knowledgeable about finance. Taiwan's financial literacy rate is only 37%, slightly higher than the global average of 33%. It can be seen that despite the popularization of basic social education in Taiwan, most people are still in a state of insufficient financial literacy. Especially vulnerable social groups, such as students, the elderly, the unemployed, aboriginals, etc. need to be strengthened. If the public has insufficient knowledge of basic financial concepts, in addition to the inability to effectively protect their rights and interests, seriously it may even cause social problems, such as pension planning and fraud awareness which deserves the attention of the competent authorities. In addition to the existing financial knowledge, with the diversification of financial products and services, it should also include emerging issues related to money laundering prevention, virtual currency, Green Finance and FinTech.

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ꆄ輑猰䪮涸ⶾ倞涮㾝䌢馄ⴀ植剤岁䖒⛓鋊眕植遤岁鋊僽や腋㢵⟃佞렽⺑ⶾ倞⛓錬䏞鹎遤ⵖ㹁

ꆄ輑猰䪮䌟⢵涸ⶾ倞斊麌垸䒭〳腋♶㖈植剤岁䖒鋊眕殹⚥䧴僽嶍⿻岁䖒垸祎㖒䌟罜〵抓㿂倴䧭俒岁넓禺岁堥ꡠ㼩倴鍑ꅼ岁鋊㹁纏鯱捀㓂阌銴岁⟂尝剤鋊㹁〳⟃⨞涸噠罏剚剤䨾곃䗻䌢䧭捀䋑㜥ⶾ倞涸꣖⸂䒊陾ꆄ輑⚺盘堥ꡠ莅岁䖒⚺盘堥ꡠ㼩倴植遤岁鋊涸ⵖ㹁⟃⿻岁䖒垸祎㖒䌟涸鍑ꅼ䥰ⱄ㢵⨞䠑鋅❜䳖⚛䖰佞錬䏞鹎遤ⵖ㹁ず儘⛳銴⸈䓽岁➃㆞涸ꆄ輑猰䪮濼陏涸來肬⟃렽⺑ⶾ倞涮㾝

Perspectives

⚺盘堥ꡠ劍䖊秫笪ꋓ⸈Ⰵⵞ慨植剤ꆄ輑䋑㜥⡎㼩倴劢⢵〳腋涸湌盘陾겗僽や䊺⨞㥪湱ꡠꂂ㤛䲃倷 ?

〵抓湡ꋓ遤㹻侸滞㢵⚂噠畹昰慨捙♧菛字滞㼩倴秫笪ꋓ涸宠鯱♶僈곏⚂⚺盘堥ꡠ㼩倴㻜넓鸒騟㢵剤ꣳⵖ噠眕㕠⛳搂暶婌⼦ⴽꧪ搭秫笪ꋓ㖈斊麌䧭劥乩剤⮛〳㼟ⵄ情㔐꺈字滞⡎㼩倴昰《㹐彂ㄤ栽ⵄ㖳僽♶㼭䮋䨞歋倴秫笪ꋓ涸劥颶➠莅⫄窡ꋓ遤㣐荞湱ず⡎㔔㸤鷴麕笪騟䧴侸⡙盘麥䲿⣘剪䨾⟃㖈괐ꦖ盘椚♳殜剤䊴殯㽍Ⱖ僽崩䚍须㸞岁黾⿻峤ꐏⵖ괐ꦖ㼩秫笪ꋓ涸竤斊刿捀ꅾ銴⚺盘堥ꡠ僽や銴⸈䓽湱ꡠ湌盘堥ⵖ ? 㖈⫄窡ꋓ遤莅秫笪ꋓ涸湱✽畹昰⛓♴ꆄ輑堥圓〳腋荆⸈鸠鱲㘗幾㼱㻜넓ⴕ遤湱ꡠ⛓➃⸂须彂锅侮⿻鎯箻鱲㘗㉏겗ꋓ遤噠罏莅⚺盘堥ꡠ⛳鿪䥰⿻傍䙼罌㔔䥰ꂂ㤛䲃倷

Perspectives



49Q u e s t i o n

50Q u e s t i o n

The development of FinTech innovations often exceeds the norms of existing laws. Can the current regulations be formulated w i t h t h e o p e n i n g - u p p e r s p e c t i v e o f encouraging innovation?

Perspectives

The innovative operation model brought by FinTech may not be in the existing legal regulations or involve legal ambiguity. Taiwan belongs to a statutory law system. If it is not stipulated in the law, it cannot be done. Therefore, the judiciary has a strict definition of the interpretation of regulations which often blocks market innovation. Financial authorities and legal authorities should make more exchanges of opinions on the formulation of current regulations and the interpretation of vague areas of the law and formulate them with opening-up perspective of encouraging innovation. At the same time, they should also strengthen the education of judicial personnel in FinTech knowledge.

The regulatory authority expects digital full bank to join in stimulating the existing financial market. Have the relevant corresponding measures been taken for possible future regulatory issues?

Perspectives

The number of banks in Taiwan currently are diverse and the business competition remains fierce. General public's demand for digital full bank is less and the regulatory authorities have more restrictions on physical channels and there are no differences regarding business scope. Although cost advantage of digital full bank brings in profits that can be shared with the public, it is not a small challenge to win customers and make profit. The nature of digital full bank is still roughly the same as that of traditional banks. However, because the services are completely provided through the Internet or digital channels, there are slight differences in risk management, especially liquidity, security, legal compliance and money laundering prevention risks, which are quite important to the operation of digital full bank. Does the competent authority need to strengthen supervision? Under the competitions between traditional banks and digital full bank, traditional banks may face the problems of accelerating transformation, reducing physical branches, related human resources adjustment and training for transformation. Both traditional banks and competent authorities should also consider the corresponding measures as soon as possible.


51Q u e s t i o n

51Q u e s t i o n

兰腋ざ秉莅♧菛⫄窡㤏秉♶ず僽や剤僈焷岁⟂钢〳兰腋ざ秉⿻⼦㝆ꕖ⥜佖鎹ꏗ须俲⛓佪⸂ ?

兰腋ざ秉僽鷴麕⼦㝆ꕖ䪮遯㼟ざ秉涸鍸涮哭⟝⿻㛂遤哭⟝玑䒭⻋♶⡎溁痧♲倰钢阮⚂♶〳甔佖㣐䌴⸈鸠㛂遤崩玑⿻眏溁䧭劥⛳㔔兰腋ざ秉莅♧菛⫄窡㤏秉♶ず䊺㼟꧱倰ず䠑涸㤏秉Ⰹ㺂鱲⻋䧭玑䒭焺荈㛂遤鹎罜遥欰ⴀ鏪㢵岁䖒陾겗⢿㥶㻨Ⰵ兰腋ざ秉涸玑䒭焺僽や駈㣁僈焷罜䧭捀岁䖒♳涸㤏秉Ⰹ㺂瑖界剤尝剤岁䖒佪⸂殹兰腋ざ秉㻜ꥹ㛂遤儘鸤䧭ざ秉꧱倰⟃㢫涸痧♲罏剤䨾䴦㹳儘鑪歋铪⢵頾顑兰腋ざ秉涸玑䒭之㻨罏僽や剤顑⟤瘞㉏겗㻜♳➠劢剤♧㤛㼠㿂岁鋊⢵僈焷鋊眕⚥㕜薊㕜⿻繡㕜鿈ⴕ䊝佟䏎涼剤䲀ⴀ兰腋ざ秉⿻⼦㝆ꕖ䪮遯岁呪䪭钢⼦㝆ꕖ砞そ⿻兰腋ざ秉佪⸂鿪〳⣘⚺盘堥ꡠ罌

Perspectives

Smart contracts are different from general traditional contracts. Is there a clear law that validates the effect of modified smart contracts and blockchain data? Smart contracts are different from general traditional contracts.

Perspectives

Smart contract is a blockchain-based technology regarded as a secured stored procedure as its execution and codified effects like the transfer of some value between parties are strictly enforced and cannot be manipulated. Smart contracts allow the performance of credible transactions without third parties which significantly accelerates the execution process and saves costs. Because smart contracts are different from general traditional contracts, the content of the contract agreed by both parties has been converted into code for automatic execution, which has led to many legal issues. For example, is the code written into the smart contract clear enough to become a legal contract content? Is there any legal effect? When the actual execution of the smart contract causes damage to a third party other than the two parties of the contract, who should be responsible? Does the person who writes the smart contract program have responsibilities? In practice, there is still no set of exclusive regulations to clearly regulate. China, UK, and some state governments in the United States have released smart contracts and blockchain technology bills, recognizing the effectiveness of blockchain signatures and smart contracts, which can be used by the competent authority for reference.


This refers to the interaction between consumers and financial service providers in terms of perception, consideration, inquiry, using, feedback, and other aspects to discuss the pain points and problems that consumers often encounter. This topic has a total of 14 issues. The key issues include whether financial service providers should comprehensively examine the contact points with customers to improve the customer experiencing, the integration of all information for real-time assistance in consumer purchase or processing financial services, and how to assist startups in communication with the public.

僽䭸嶋顥罏㖈莅噠罏✽涸麕玑⚥䖰㻌錏罌䣂鑉㉏⢪欽ⵌ㔐꺈瘞ぢ䱳鎣嶋顥罏䌢麂ⵌ䨾麂ⵌ涸汥럊莅㉏겗劥ぢⰟ剤 14 겗 ㉏겗ꅾ럊⺫䭍 : 噠罏䥰增鋕莅㹐䨩涸䱺鍸럊佖㊥㹐䨩넓뀿侮ざ䨾剤腋⽰儘⼿⸔嶋顥罏飑顠䧴鳵椚ꆄ輑噠涸须鎝⟃⿻Ⱖ姻焷䚍佟䏎㥶⡦렽⺑⼿⸔倞ⶾ噠罏莅字滞湱✽❜崩钢陏

5 㹐䨩莅Customer Participation


5

52Q u e s t i o n

53Q u e s t i o n

ꆄ輑㉂ㅷ涸须鎝麕㢵⚂醳꧹㼩倴♧菛嶋顥罏⢵铞➠Ⱘ⪔鯱넞涸濼陏壋㥶⡦㖈痘ざ岁鋊涸銴宠♴⿶腋䲿⣘幢嘽僈澗涸须鎝窍嶋顥罏 ?

醳꧹涸ꆄ輑㉂ㅷ㼩倴♧菛嶋顥罏⢵铞➠Ⱘ⪔鯱넞涸濼陏壋噠罏㖈岁鋊銴宠♴䗳갭⢪欽㸤侮⚂㼠噠涸ꆄ輑遯铃铞僈ꆄ輑㉂ㅷ⛓겳㘗暶䚍⟃⿻괐ꦖ罜鸤䧭♧菛嶋顥罏搂岁椚鍑㖈须鎝栽《♶㸤涸䞕屣♴嶋顥罏㺂僒ⴀ植崩玑倬럊㼬荞莅䠑격♴⚺盘堥ꡠㄤ噠罏鿪䥰䙼罌㥶⡦㖈痘ざ岁鋊涸銴宠♴䲿⣘幏곏僒䥢涸ꆄ輑㉂ㅷ须鎝⟃⿻ⵌ䏁➊랃䩞僽嶋顥罏溫姻䟝✫鍑涸ꅾ銴须鎝鍑对嶋顥汥럊

Perspectives

㥶⡦⼿⸔嶋顥罏㖈飑顠ꆄ輑㉂ㅷ䧴剪儘腋㣁刿幢嘽涸✫鍑㉂ㅷⰉ㺂莅麌⡲

嶋顥罏倴ꆄ輑㉂ㅷ鼇飑涸麕玑殹⚥㔔捀㼩倴ꆄ輑㉂ㅷ䧴剪涸♶✫鍑㢵剚⯓⟃鋷竤뀿䧴笪騟须鎝⡲捀鼇乵⣜亙罜嶋顥罏䱺「涸须鎝⢵彂剚㔔♶ず鸒騟儘媯䧴噠罏䲿⣘涸鎝䜂罜剤䨾ꣳⵖ⢿㥶ぐ墂劍⚺䩧欴ㅷ倞䲀ⴀ欴ㅷ㔔噠籑㠺⸂䲀讄넞㋲⭆㉂ㅷ瘞⟃荞倴嶋顥罏䪪ⵌ涸欴ㅷ♶♧㹁僽剓痘ざ荈魨涸宠䒊陾噠罏㖈䲿⣘湱ꡠ欴ㅷ⿻剪儘䥰䙼罌㥶⡦✫鍑嶋顥罏溫姻宠⚺盘堥ꡠ⛳銴䭰糵鹎遤ꆄ輑㉂ㅷ涸來肬濼陏䲀䑞⟃⼿⸔嶋顥罏刿幢嘽涸✫鍑㉂ㅷⰉ㺂莅麌⡲

Perspectives


㹐䨩莅 | 83

52Q u e s t i o n

53Q u e s t i o n

T h e re i s to o m u c h i n fo rm a t i o n a b o u t f inanc ia l commodi t ies , and there i s a high knowledge threshold for ordinary c o n s u m e r s . H ow c a n we p rov i d e t h e clearest and most concise information to consumers without breaching regulations?

Perspectives

Complex f inancial commodities st i l l have a high knowledge threshold for the average consumer. Under the legal requirements, participants must use complete and professional financial terms to explain the types, characteristics and risks of financial commodities, which is difficult for the average consumer to comprehend. In the case of incomplete information acquisit ion, process breakpoints are l ikely to occur, leading to a decl ine in consumer willingness to participate. Regulatory authorities and participants should think about how to provide easy to understand financial commodities information, in order to solve the consumption issue while complying with the requirements of regulations.

How can we help consumers better understand the content and operation of commodities more clearly when buying financial products or services?

Perspectives

In the process of purchasing financial products, because consumers do not understand the financial products or services, they will choose the product that relatives and friends have purchased and view their experience or search results as the basis for selection. The sources of information received by consumers are limited by the information provided by different channels, time periods, or operators. For example, the products consumers find are not necessarily the ones that meet their needs, but instead are main promotions, newly launched products, high-price products recommended due to their sales pressure. It is recommended that when providing related products and services, participants should think about how to understand the real needs of consumers. The regulatory authorities should also educate consumers about financial products and promote financial knowledge to help consumers understand the content and operation of products more clearly.


5

54Q u e s t i o n

55Q u e s t i o n

㹐䨩넓뀿⮛⻋僽ꆄ輑噠罏鱲㘗涸ꅾ럊陾겗⛳僽䕧갠㹐䨩鼇乵㉂ㅷ莅剪涸ꡠ꒳럊⚺盘堥ꡠ僽や剤湱ꡠ佟瘼렽⺑噠罏䫏Ⰵ ?

鵜䎃⢵ぐ遤ぐ噠鿪㨥䓽锅㹐䨩넓뀿姽陾겗⛳♧湬僽⫄窡ꆄ輑噠罏荆侸⡙鱲㘗涸ꅾ럊歋倴ꆄ輑涸㉂ㅷ莅剪垸䒭㣐ず㼭殯䋑㜥畹昰慨捙罜㹐䨩넓뀿涸⮛⻋㼟僽䕧갠㹐䨩鼇乵㉂ㅷ莅剪涸ꡠ꒳럊鏪㢵ꆄ輑猰䪮涸倞ⶾ噠罏鿪䖰姽럊ⴗⰅ䋑㜥䒸⫄窡ꆄ輑㹐纈葻㥪涸넓뀿〳⟃㟞⸈欽䨩涸랭衽䏞㔐鏞桧⚺盘堥ꡠ蕰腋剤佟瘼렽⺑噠罏ꅾ鋕㹐䨩넓뀿涸⮛⻋㼟〳䲿⼮字滞⢪欽ꆄ輑剪涸䠑격莅涸⤑ⵄ䚍噠罏⛳腋䖰畹昰⚥膨琐罜ⴀ《䖤䋑㜥⮛

Perspectives

ꤑ✫⫄窡ꆄ輑噠罏僽や⛳䥰鑪銴宠ꆄ輑猰䪮噠罏宠⯏ⴕ䳷ꪫ㉂ㅷ㤏秉须鎝莅괐ꦖ⟃⥃ꥻ嶋顥罏㸞 ?

呏亙鋊㹁ꆄ輑剪噠莅嶋顥罏鎎用䲿⣘ꆄ輑㉂ㅷ䧴剪⛓㤏秉䥰⣜鋊㹁ぢ嶋顥罏⯏ⴕ铞僈鑪ꆄ輑㉂ㅷ剪⿻㤏秉⛓ꅾ銴Ⰹ㺂⿻䳷ꪫ괐ꦖ⡎⚺盘堥ꡠ㼩倴倞㘗䢀涸ꆄ輑猰䪮噠罏⡂⛖尝剤僈焷鋊㹁䲿⣘涸剪崩玑䧴㉂ㅷ㤏秉须鎝㸤侮䳷ꪫ㺂僒䒸涮嶋顥禾秼⿶鿈ⴕ噠罏剚⢪欽ꣳⵖ鏞㹐㖈懳錒㉂ㅷ儘搂岁溏ⵌ鑬稣须鎝䗳갭⯓竤麕鏽ⱁ䧭捀剚㆞䩞腋《䖤刿㸤侮欴ㅷ鎝䜂涸㉂噠䩛岁⡎蕰鏞㹐䧭捀剚㆞䖕䨾《䖤涸欴ㅷ须鎝⚛ꬌ嶋顥罏⾲⯓劍劆⚂痘ざⰦ宠涸欴ㅷ㥶姽涸崩玑鏤鎙罜剚鸤䧭嶋顥罏㼩倴ㅷ晦涸♶⥌⟤

Perspectives


㹐䨩莅 | 85

54Q u e s t i o n

55Q u e s t i o n

Customer experience opt imizat ion is a key issue in the t ransformat ion of the financial industry transformation. Does the regulatory authority have relevant policies to encourage participants to invest?

Perspectives

In recent years, customer experience has been emphasized in various industries, and it has always been a key issue for traditional financial operators when facing digital transformation. Due to the similarity of financial products, service models, and fierce market competition, the optimization of customer experience will be the key point that affects their choice of products and services. At this point, many FinTech startups enter the market and attract traditional financial customers through optimizing customer experience. A good customer experience can increase the user's stickiness and return visit rate. If the regulatory authority provides policies to encourage operators to pay attention to the optimization of the customer experience, it will enhance the public's willingness and convenience to use financial services, and participants will then stand out from the competition to gain market advantage.

In addition to traditional financial operators, should FinTech companies also be required to fully disclose commodity contract information and risks?

Perspectives

According to regulations, when financial service providers and consumers sign a contract to provide financial products or services, they should fully explain the important contents of the financial products, services, contracts, and risk exposuer in accordance with the regulations. However, the regulatory authority does not seem to clearly stipulate that the service process or commodity contract information provided by new type of FinTech companies must be fully disclosed, which may easily lead to consumer disputes. In addition, some participants restrain visitors from reading detailed information about the product when viewing. It is necessary to register as a member first for product details. If the visitors find the product does not meet the needs after realizing the product details, it will cause consumers to distrust the brand.


5

56Q u e s t i o n

57Q u e s t i o n

ꦑ衽倞莇⚆➿涸⢪欽垸䒭⟃⿻欰崞⡲䜂鱲隶ꆄ輑噠罏鑪㥶⡦䲿⣘刿㥪涸㹐䨩剪 ?

⫄窡涸鑨㹐剪䧴僽俒㶶㹐剪佪桧鯱⡜鵜劍⦶⸔衽ꆄ輑猰䪮涸涮㾝ꆄ輑噠罏㨥琎噲㼬Ⰵ兰腋㹐剪堥㐼➃鷴麕荈搭铃鎊涸ⴕ區贖椚腋⸂䲿⣘嶋顥罏葻㥪莅갫冱涸㹐䨩剪넓뀿⛳鯱痘ざ倞莇⚆➿䎃鰋➃涸⢪欽垸䒭⟃⿻欰崞⡲䜂〳⟃剤佪彘鸒㼩鑨⡜剪䧭劥搭罜㖈箁♳莅箁♴㢵⯋鸒騟涸儘➿噠罏倴㼬Ⰵ猰䪮涸ず儘❠갭罌ꆀ鸒騟涸넓뀿鏤鎙莅竤斊䒊陾噠罏剓㥪〳⟃⨞ⵌ㋲♧璭〡♧妄䚍鍑对㉏겗幾㼱䱺崡涸鱲➝⟃⿻䲿⣘嶋顥罏ぐ鸒騟♧荞䚍涸剪莅㼩䖊雊嶋顥罏剤葻㥪涸㹐剪넓뀿

Perspectives

嶋顥罏㖈遤酤縨♳⽰〳㸤䧭㣐㢵侸ꆄ輑剪噠罏莅⚺盘堥ꡠ鑪㥶⡦䭰糵⸈䓽遤酤縨涸㸞钢阮⿻갸堥ⵖ ?

植➿➃ⴀ〳⟃♶䌟ꐏ⺫⡎僽♧㹁銴䌟䩛堥嫦♧〵遤酤縨鿪僽♧獵䒭ꋓ遤嶋顥罏㖈遤酤縨♳⽰〳㸤䧭㣐㢵侸ꆄ輑剪㔔姽噠罏㼩倴遤酤縨涸㸞钢阮⿻갸堥ⵖ鏤㹁곏䖤刿⸈ꅾ銴ꤑ✫剓㛇劥涸䌙贫㺙焺⟃㢫嫦殹欽䨩⨞ⴀ❜僒飑顠ꆄ겙鱲䌙瘞ꅾ㣐对瘼儘鿪䥰鹎遤갸堥ⵖ涸✳妄䲿ꄁ莅魨ⴕ焷钢〳⟃幾㼱䖕糵秼昰莅鄄湁欽涸〳腋䚍噠罏莅⚺盘堥ꡠ僽や䥰䭰糵⸈䓽遤酤縨涸㸞⥃隌堥ⵖ⼿⸔欽䨩鹎遤ꐫ铐⩏庠ㄤꐫ铐䛫䗂涸タ堥ⵖ鿪剤⸔倴䲿넞嶋顥罏鷴麕獵酤縨⢪欽ꆄ輑剪䠑격

Perspectives


㹐䨩莅 | 87

56Q u e s t i o n

57Q u e s t i o n

As the usage patterns and lifestyles of emerging generations change, how can financial operators provide better customer service?

Perspectives

With the recent development of FinTech, intelligent service robots are introduced actively by financial operators. Through natural language analysis and processing capabilities, it provides consumers with a smooth customer service experience. In line with the usage patterns and daily routines of young people of the new generation, intelligent customer service robots can effectively communicate and reduce the service cost. However, in the era of multiple online and offline channels, while introducing technology, operators must also consider the experience design and operation of the entire channel. It is recommended that the operator can solve the problem at one time through a single window and reduce referrals and provide consumers with consistent service and treatment in all channels, so that consumers have a good customer experience.

Consumers can complete most financial services on mobile devices. How can the regulatory authority continue to strengthen the security certification and prevention mechanism of mobile devices?

Perspectives

Modern people can go out without a wallet, but they must bring a mobile phone. Each mobile device is a mobile bank, and consumers can complete most financial services on the mobile device. Therefore, it is important for operators to establish the security authentication and prevention mechanism settings for mobile devices. In addition to the basic account ID and passwords, whenever users make major decisions, such as transaction, purchases and amount transfers, they should conduct a second identity confirmation with prevention mechanism to reduce the possibility of subsequent disputes and misappropriation. In addition, the foolproof mechanism that assists users in error detection and error recovery should help consumers increase their willingness to use financial services through mobile devices.


5

僽や腋䖰⢪欽罏錬䏞ⴀ涮⼿⸔鏤用ꆄ輑噠⿻㉂ㅷ须鎝涸侮ざ䎂〵 ?

〵抓ꆄ輑堥圓㹻侸ꆀ滞㢵殹嶋顥罏銴鳵椚噠䧴僽飑顠㉂ㅷ儘䌢剚麂ⵌ叆鑉涸㔮仠♶ずꆄ輑堥圓䲿⣘涸欴ㅷ须鎝㾵妄♶♧邍鶤倰䒭⛳♶ず㼩倴嶋顥罏⢵铞♶僒鹎遤噠䧴㉂ㅷ涸嫲鯱莅鼇乵蕰腋䖰⢪欽罏錬䏞ⴀ涮鷴麕ぐꆄ輑噠罏涸须鎝䲿⣘䧴僽騈Ⱇ鿈⛓涸须鎝䎂〵⚮䱺䲿⣘㋲♧邍鶤倰䒭涸欴ㅷ歍鳵崩玑鍑铞须鎝⢪䖤嶋顥罏〳矦⤑涸鹎遤噠䧴㉂ㅷ须鎝涸嫲鯱⟃⿻✫鍑倴♶ずꆄ輑堥圓飑顠㉂ㅷ䨾⪔㧇涸邍㋲须鎝鿪〳⟃捀䲿⣘嶋顥罏刿㥪涸㹐䨩넓뀿幾㼱嶋顥罏莅ꆄ輑堥圓涸彘鸒儘

Perspectives

䒊陾噠罏⿻⚺盘堥ꡠ㼩倴ꆄ輑噠崩玑䥰䭰糵增鋕㖈䪮遯⿻须㸞鏪〳⛓♴✮⟃⮛⻋⟃ⵄ欽䨩歍锞鳵椚

欽䨩歍锞厥❉暶㹁ꆄ輑噠剪儘⢿㥶笪ꋓ㺙焺隶刿⽫Ꙥ隶刿㹁㶸鍑秉瘞ꆄ輑噠罏䌢㔔䪮遯须㸞㉏겗銴宠欽䨩㔐荛⾲䨩ⴕ遤鳵椚蕰欽䨩䊺竤䵦鼄䧴刿䳖䊨⡲㖒럊湱殹♶倰⤑ꧪ搭♶ずⴕ遤⡎ず♧ꆄ輑堥圓涸Ⰹ鿈须鎝䥰鑪〳⟃湱✽⫄黃❜崩㼟㹐䨩须鎝♧ず鹎遤獵鱲⢿㥶麂ⵌⴕ遤鄪丶噠罏⛳剚鸒濼欽䨩䖕糵佖ⵌꁈ鵜ⴕ遤糒糵鹎遤剪捀⡦暶㹁噠搂岁佖ⵌⰦ➮ⴕ遤鳵椚噠罏䥰䲿⣘刿矦⤑涸倰岁⼿⸔欽䨩贖椚蕰嶍⿻岁鋊ꣳⵖ⚺盘堥ꡠ⛳䥰䭰糵增鋕僽や剤锅侮⮛⻋涸瑠

Perspectives

58Q u e s t i o n

59Q u e s t i o n


㹐䨩莅 | 89

Can we help set up an integrated p lat form for f inancia l bus iness and commodity information from the perspective of users?

Perspectives

There are numerous f inancial institutions in Taiwan. When consumers want to handle business or purchase products, they will encounter the trouble of inquiries. Different financial institutions provide different levels of product information and different expressions. It is not easy for consumers to handle business or compare products for selection. If information from financial operators and the public sector is under concatenation through provision of product information and processing expression in a single way to facilitate product comparison and prepare forms required by different financial institutions to purchase commodities, it can provide consumers with a better customer experience and reduce the communication between them and financial institutions.

It is recommended that the operators and regulatory authorities should continue to review and optimize the financial business p ro c e s s to fa c i l i t a te u s e r a p p l i c a t i o n processing.

Perspectives

When users apply for financial business services, such as online banking, password change, seal change, and scheduled deposit cancellation, etc., the financial operators often asks the user to return to the original account opening branch due to technical and security issues. If the customer has moved or changed work location, it will be quite inconvenient. The internal customer information of the same financial institution should be able to be shared and transferred by the branches. For example, if the branch is cancelled, the operator will notify the user to transfer the business to the neighboring branch for uninterrupted service. Why can't certain services be changed to other branches? The operator should provide a more convenient method to assist the user to deal with it. If regulatory restrictions are involved, the authority should also continue to check whether there is room for adjustment and optimization.

58Q u e s t i o n

59Q u e s t i o n


5

ꆄ輑⿻倞ⶾ噠罏㥶⡦鷴麕窍✮㹐䨩刿㸤㊥刿涸㈒䖕剪넓뀿⢵笞䭰❜僒⿻㟞⸈㹐䨩✽䖃⢵ꡠ⤚ ?

♧菛嶋顥罏㼩倴ꆄ輑㉂ㅷ涸剪宠巒覈㈒涸欴ㅷ鼇乵㈒⚥涸欴ㅷ飑顠⟃⿻㈒䖕涸欴ㅷ剪⡎鏪㢵噠罏燘倴噠籑㠺⸂鯱衽ꅾꌼ㈒莅ꌼ㈒⚥涸剪⟃ⵄ䲿⼮欴ㅷꌼ㈒䧭❜桧风《䩛糵顥⫦䲿⣘鯱㼱䧴剓㛇劥痘ざ岁鋊涸ꆄ輑㉂ㅷ㈒䖕剪⚺盘堥ꡠ䥰䭰糵增鋕噠罏僽や剤䲿⣘痘ざ岁鋊涸㈒䖕剪⛳䒊陾噠罏⛳銴⸈䓽窍✮㹐䨩刿㸤㊥刿涸㈒䖕剪넓뀿㔔捀㼩嶋顥罏罜鎊㈒䖕剪䩞僽莅噠罏䭰糵❜僒✽䖃⢵涸ꡠ꒳葻㥪涸㈒䖕剪❠〳䒊用⟱噠涸ㅷ晦䕎韍

Perspectives

佟䏎僽や䥰鑪㢵佅䭰ꆄ輑猰䪮湱ꡠ걆㚖涸锸㠢㾝錒䪮遯❜崩崞䲿⼮字滞㼩倴ꆄ輑猰䪮涸钢陏

ꆄ輑猰䪮㉂噠垸䒭㢵⯋䪮遯䲀ⴀ倞佟䏎僽や䥰鑪㢵佅䭰湱ꡠ걆㚖涸锸㠢㾝錒䪮遯❜崩崞䲿⼮字滞㼩倴ꆄ輑猰䪮涸钢陏⢿㥶嫦䎃涸ꆄ輑猰䪮㎗䎃螠〵⻍ꆄ輑猰䪮㾝瘞䲀䑞崞腋㼟噠罏➝稲窍嶋顥罏钢陏⛳〳㼟㾵秹䲿넞ⵌ騗㕜⛓涸❜崩鼝锞ぐ㕜頾顑噠⚺盘堥ꡠ噠罏⢵〵鏞湱✽⦶ꖏ㼩倴㷸欰停纈〳㢵莊鳵ぐ겳㘗涸畹飓⢿㥶랱㹐匡ⶾ䠑畹飓瘞慨涮䎃鰋➃㼩倴湱ꡠ걆㚖⛓莇馱䧭捀劢⢵䫏Ⰵ湱ꡠ欴噠⛓➃䩞

Perspectives

60Q u e s t i o n

61Q u e s t i o n


㹐䨩莅 | 91

How can financial and startups maintain t ra n s a c t i o n s a n d i n c re a s e i n te ra c t i ve relationships with consumers by providing them with a more comprehensive after-sales service experience?

Perspectives

General consumer 's demand for financial products covers pre-sale product, promotional product purchase, and after-sale product service. However, due to sales performance pressure, most of financial operators focus more on pre-sales and promotional item services in order to improve the product sales rate and earn commissions, and only provide after-sales services for financial products that are less or basically in compliance with regulations. The regulatory authority should continue to check whether the operators provide after-sales service that complies with the regulations. It is also recommended that the operators should provide customers with a more comprehensive after-sales service experience so as to increase purchase from the operator in the future. Good after-sales service can also establish the operator's brand image.

Should the Government support more forums, exhibitions and technical exchanges in FinTech-related fields to raise public awareness of FinTech?

Perspectives

FinTech business models are diverse and new technology is constantly being released. Perhaps the government should support more forums, exhibitions and technology exchanges in related fields to raise public awareness of FinTech, such as FinTechBase Festival, FinTech Taipei and other promotional activities which introduces the participants to consumers. It can also raise the level of cross-border exchanges, invite FinTech authorities and participants from various countries to visit Taiwan and learn from each other. For student groups, various types of competitions can be held, such as Hackathon, creative competitions etc., to stimulate young people's interest in the FinTech field and become talents in related industries.

60Q u e s t i o n

61Q u e s t i o n


5

62Q u e s t i o n

63Q u e s t i o n

佟䏎莅噠罏㥶⡦雊嶋顥罏✫鍑倞㘗䢀涸ꆄ輑噠⟃⿻렽⺑⢪欽倞莇䪮遯

ꦑ衽侸⡙ꆄ輑猰䪮䘰鸠涸莇饱莅涮㾝ꆄ輑猰䪮噠罏䧴ꆄ輑噠罏㖈㼬Ⰵ湱ꡠ猰䪮涸ず儘⛳銴⚺盘堥ꡠ涸佅䭰ⵖ㹁湱ꡠ岁鋊⟃⥃ꥻꆄ輑噠涸⨴笞䭰䋑㜥琽㹁莅⤛鹎劢⢵涮㾝⚺盘堥ꡠ莅湱ꡠꆄ輑剪噠罏鿪䥰Ⱏずざ⡲鹎遤佟⟂㹒麨䲿⣘♧菛嶋顥罏ꆄ輑猰䪮涸湱ꡠ濼陏來肬⼿⸔嶋顥罏㢵⢪欽倞莇䪮遯⚛莅噠罏鹎遤✽䩞腋䲿넞倞㘗䢀ꆄ輑噠涸⢪欽桧⡜㹐䨩莅噠罏⛓涸➿彘

Perspectives

ꆄ輑㉂ㅷ涸㢵垺䚍儘䌢鸤䧭笪畀䎂〵涸须鎝ꆀ麕㢵㥶⡦雊ꆄ輑㉂ㅷ涸㼦䪪飑顠崩玑刿⸈䘰鸠湬錏 ?

ꆄ輑㉂ㅷ涸㢵垺䚍儘䌢鸤䧭笪畀䎂〵涸须鎝ꆀ麕㢵鿈ⴕ笪畀涸鏤鎙⢪嶋顥罏銴籗榹㖒⢵㔐鹎遤럊鼇㼦䪪騥ⴀ瘞⡲䩞腋ꠗ隡ⵌ欴ㅷ➝稲鸤䧭嶋顥罏搂岁갫冱涸鼇ⴀざ黠㉂ㅷ⚛㸤䧭飑顠䩛糵䒊陾噠罏㖈➝稲ꆄ輑㉂ㅷ涸鸒騟盘麥鿪䥰⟃㹐䨩捀⚥䗱 (Customer-centric)⸈䓽㹐䨩넓뀿鏤鎙矦⻋湱ꡠ崩玑雊ꆄ輑㉂ㅷ涸㼦䪪飑顠刿⸈䘰鸠湬錏

Perspectives


㹐䨩莅 | 93

62Q u e s t i o n

63Q u e s t i o n

How can governments and participants let consumers understand new forms of financial businesses and encourage the use of emerging technologies?

Perspectives

With the rapid rise and development of FinTech, companies or financial operators need the support of the regulatory authorities when introducing relevant technology or formulating relevant regulations to ensure the soundness of the financial business, maintain market stability and promote the development of future markets. The regulatory authority and related financial service providers should also work together to carry out decree declarations, provide general consumer financial technology related education and assist consumers in uses more emerging technologies to interact with operators and boost the utilization rate of new-type financial services and reduce the generation gap between customers and the operators.

The diversity of financial products often results in an overwhelming amount of in fo rmat ion on the webs i te . How can we m a ke t h e p ro c e s s o f f i n d i n g a n d buying financial products faster and more intuitive?

Perspectives

The diversity of financial products often results in too much information on the website. The design of some current websites make consumers repeatedly click around and search just to read the product introduction. This causes consumers to be unable to smoothly select appropriate products and complete the purchase procedures. It is recommended that the operators use customer-centric channels for introducing financial products, strengthen customer experience design, simplify related processes and make the search and purchase of financial products faster and more intuitive.


5

ꆄ輑岁鋊涸ⵖ㹁䥰⟃⥃隌嶋顥罏涸奚渤捀⮛⯓罌ꆀ倞㘗䢀涸ꆄ輑猰䪮莅剪僽や⛳䥰鑪僈焷㖒秝Ⰵ嶋顥罏ꆄ輑⥃隌涸鋊眕 ?

麕䌢㔔嶋顥罏莅ꆄ輑噠罏⛓涸须彂♶㼩瘞㼬荞꧱倰ⴀ植嶋顥禾秼儘诔歋ꆄ輑嶋顥鐱陾⚥䗱⼿⸔锅鍑⚛笞䭰꧱倰涸奚渤⡎ꆄ輑猰䪮噠罏莅倞㘗䢀涸剪ⴀ植䖕䒊陾⚺盘堥ꡠ⛳䥰僈焷㼟Ⱖ秝Ⰵ嶋顥罏ꆄ輑⥃隌涸鋊眕♶腋⫦ꬒ噠罏涸荈䖒鋊眕嶋顥罏奚渤涸⥃ꥻ♶⫦僽䲿⣘♧⦐㸤㊥剤佪桧涸昰陾鍑对堥ⵖ罜刿䥰⟃⥃隌嶋顥罏涸奚渤捀⮛⯓罌ꆀ澗鍑嶋顥罏涸竤뀿莅遤钸㔔⢵⡲捀ⵖ㹁ꆄ輑嶋顥罏⥃隌卺圓涸㛇燊䲿鷴麕ꆄ輑岁鋊涸ⵖ㹁⟃⿻䖰ぐ珏盘麥䭰糵⥃ꥻ嶋顥罏䒊用㣐滞姻焷涸ꆄ輑嶋顥錚䙂⟃麨ⵌչ✲갸պ倴չ✲䖕鍑对պ⛓湡涸

Perspectives

ꆄ輑噠罏⿻倞ⶾ噠罏㥶⡦剤佪ⵄ欽爢纈㯯넓⿻侸⡙鸒騟䒊用嶋顥罏彘鸒盘麥 ?

ꦑ衽爢纈㯯넓侸⡙鸒騟涸㢵⯋⻋噠罏莅嶋顥罏涸䱺鍸럊馊⢵馊㢵ꤑ✫䎂儘涸遤ꌼ✽⟃㢫ꆄ輑⿻倞ⶾ噠罏㥶⡦剤佪ⵄ欽鸏❉盘麥䧴僽䪮遯䒊用葻㥪⚂갫冱涸嶋顥罏彘鸒堀哀㼩倴㹐䨩涸䠑鋅㔐꺈䥰䘰鸠⚂僈焷涸窍✮㔐䥰⥃䭰갫冱彘鸒⫙聃澗鍑㹐䨩涸䠑鋅⿻耫갉⛳䒊陾噠罏䧭用湱ꡠ㼠顑㋲⡙鹎遤须俲ⴕ區佖㊥䧴㼬Ⰵ㹐䨩佖㊥䭸垦堥ⵖ雊㹐䨩⯏ⴕ䠮「ⵌ噠罏涸ず椚䗱

Perspectives

64Q u e s t i o n

65Q u e s t i o n


㹐䨩莅 | 95

The formulat ion o f f inanc ia l l aws and regulat ions should give priori ty to the protection of consumers' rights. Should n e w - t y p e f i n a n c i a l t e c h n o l o g i e s a n d services also be explicitly included in the consumer financial protection regulations?

Perspectives

In the past, due to the unequal resources between consumers and financial operators, when consumer disputes occurred, the Financial Ombudsman Institution mediated and maintained the rights of both parties. However, after the emergence of FinTech companies and new-type services, it is recommended that the regulatory authority should also clearly include them in the regulations for consumer financial protection and cannot rely solely on the self-regulation of operators. The protection of consumer rights is not only to provide an efficient dispute resolution mechanism, the experience and incentives of consumers should be understood as the basis for formulating financial consumer protection purchases. Through the formulation of financial regulations and the continuous protection of consumers from various channels in advance, the correct concept of financial consumption will be established to achieve the purpose of "preventing in advance" rather than "resolving afterwards."

How do financial operators and startups effectively use social media and digital channels to establish consumer communication channels?

Perspectives

With the diversification of social media and digital channels, there are more and more contact points between operators and consumers. In addition to the usual marketing interactions, how can financial operators and startups use these channels or technologies effectively to build a smooth consumer communication bridge? Respond quickly and clearly to customer feedback, maintain smooth communication, and l isten to and understand customer opinions and suggestions; it is also recommended that operators establish relevant units for data analysis, improvement or introduction of customer improvement indicators and mechanisms, so that customers can fully feel the empathy of the operator.

64Q u e s t i o n

65Q u e s t i o n


Refers to the use of technological methods to promote financial service providers to more effectively achieve its intended goal of regulatory compliance. It mainly discusses the conditions of the regulatory sandbox, the establishment of regulatory technology, and standard issues. There are 12 issues in total. The key issues include how the government assists small and medium-sized enterprises to introduce regulatory technology, how to improve the review efficiency and barrier of regulatory sandbox to maximize the benefits, and the establishment and streaming of credit information appending to risk databases.

䭸ⵄ欽猰䪮倰岁⤛鹎ꆄ輑剪噠罏刿剤佪㖒麨䧭湌盘ㄤざ鋊涸湡涸⚺銴鎣锸湌椚尪渱涸哭⟝湌盘猰䪮涸䒊縨垦彋陾겗劥ぢⰟ剤 12 겗 ㉏겗ꅾ럊⺫䭍 : 佟䏎㥶⡦⼿⸔⚥㼭㘗噠罏㼬Ⰵ湌盘猰䪮湌椚尪渱涸哭⟝壋㻤叆佪桧㥶⡦佖㊥⟃涮䳸剓㣐佪渤䗚⥌⿻괐ꦖ须俲䏨涸䒊縨莅⚮䱺⢪欽

6 湌椚猰䪮Regulatory Technology


6

ꦑ衽ꆄ輑猰䪮涸觍⸽涮㾝ꆄ輑剪涸䲿⣘罏莅♧菛欴噠⛓涸歲箁♶ⱄ㥶姽僈焷僽や䥰刿⸈ꅾ鋕騗欴噠騗㕜ꥹ涸湌椚涮㾝

⫄窡涸ꆄ輑湌椚ꧪ搭醳꧹⡎Ⱖ➠㕠粕㖈ꆄ輑欴噠涸♶ず噠眕毑鹎遤湌椚⡎ꦑ衽ꆄ輑猰䪮涸觍⸽涮㾝ꆄ輑剪涸䲿⣘罏㨥騗駈⥌㈒猰䪮瘞Ⱖ➮欴噠㔔姽騗欴噠涸湌椚堥ⵖ岁鋊锅侮莅奚顑⚺㋲⡙涸鿈侮ざ㉏겗鿪僽佟䏎㋲⡙銴䭰糵⸗⸂涸陾겗ず儘ꆄ輑⛳僽넞䏞㕜ꥹ⻋涸欴噠椕ꆄ輑䋑㜥鿪〳腋湱✽䕧갠麕㢵㼠岤ꆄ輑堥圓涸騗㕜竤斊䨾欴欰涸湌椚陾겗搭罜笪騟搂㕜歲涸暶䚍⢪䖤植㖈涸ꆄ輑剪♶「㕜歲䧴㖒椚毐㚖涸ꣳⵖ⢿㥶贡亼顊䍤P2P䎂〵劢⢵涸騗㕜湌椚⛳㼟僽♧㣐䮋䨞

Perspectives

ꦑ衽岁⟂涸醳꧹⻋莅猰䪮涸㢵⯋⻋佟䏎僽や剤窡♧䒊縨湱ꡠ岁䖒괐ꦖ须俲䏨涸〳腋

岁⟂黾䗅峤ꐏⵖ瘞Ⰹ鿈䱾ⵖ堥ⵖ䊺䧭捀植➛ꆄ輑剪䲿⣘噠罏涸斊麌ꅾ럊⛳僽⚺盘堥ꡠ⚺銴湌盘莅叆呍涸갪湡鏪㢵ꆄ輑猰䪮噠罏❠琎噲䒊縨湱ꡠ堥ⵖ禺窡莅须俲䏨⡎⚥㼭㘗噠罏㔔䧭劥⿻须彂瘞罌ꆀ⛓♴䕧갠䒊縨䠑격莅腋⸂♶僒㼬Ⰵ岁⟂黾䗅湱ꡠ禺窡⿻须俲䏨佟䏎僽や剤湱ꡠꂂ㤛䲃倷䒸㼬噠罏㼬Ⰵ湌盘猰䪮⡜⚥㼭⟱噠㼬Ⰵ壋䧴罏僽湬䱺歋佟䏎꧌⚥窡♧䒊縨㕜䚍涸岁⟂黾䗅湱ꡠ禺窡⿻须俲䏨涸〳腋 ?

Perspectives

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67Q u e s t i o n


湌盘猰䪮 | 99

With the rapid development of FinTech, s h o u l d we p ay m o re a tte n t i o n to t h e d e v e l o p m e n t o f c r o s s - i n d u s t r y a n d international supervision?

Perspectives

Although traditional financial supervision is complicated, it still focuses on different business scopes of the financial industry. However, with the vigorous development of FinTech, financial service providers have begun to step into other industries such as telecommunications, retail and technology. The cross-industry supervision mechanism, regulatory adjustments and the integration of primary authorities are all issues that government units should continue to work hard on. At the same time, finance is also a highly internationalized industry, and global financial markets may influence each other. In the past, we focused more on the supervision issues arising from the transnational operations of financial institutions. However, the characteristics of the Internet without borders make the current financial services not subject to national borders or geographical boundaries. For example, cryptocurrency and P2P platforms will also be a big challenge in terms of multinational supervision.

With the complication of laws and regulations and the diversification of technology, is it possible for the government to uniformly establish relevant laws and risk databases?

Perspectives

Although traditional financial supervision is complicated, it still focuses on different business Internal control mechanisms, such as compliance with laws and regulations as well as money laundering prevention have become the operational focus of service providers today and are also the main supervision and verification items of the regulatory authorities. Many financial operators actively build related mechanisms, systems and databases. However, due to cost and resource considerations, willingness and ability of small and medium-sized companies, it is not easy to introduce laws and regulations to follow related systems and databases. Does the government have relevant supporting measures to guide participants to introduce regulatory technology to lower the threshold for small and medium-sized enterprises, or is it possible for the government to centrally build national laws and regulations to follow relevant systems and databases?

66Q u e s t i o n

67Q u e s t i o n


6

⚺盘堥ꡠ㥶⡦麌欽湌盘猰䪮涮㾝麨ⵌ禺窡须㸞须俲⥃隌涸剤佪盘椚

湌盘猰䪮ꤑ✫♧菛擿䜫涸㢫鿈㹐䨩䧴剪遤捀涸䗚⯐盘椚⛳剤䖎㣐♧鿈ⴕ涸⢪欽眕㕠㖈倴穉籽Ⰹ鿈湌盘⚺盘堥ꡠ㥶⡦麌欽湌盘猰䪮涮㾝麨ⵌ禺窡须㸞须俲⥃隌涸剤佪盘椚⺫わ䒊用须鎝㸞隌堥ⵖ湌䱾禺窡卺圓琽㹁⿻须㸞⥃隌涸Ⰹ䱾珮呍堥ⵖ瘞陾겗鿪僽劢⢵涮㾝湌盘猰䪮ꅾ럊

Perspectives

湌椚尪渱涸鹎Ⰵ壋僽や腋剤刿稣篊涸ⴕ겳ⴕ秹窍✮♶ず괐ꦖ涸噠罏♶ず涸䱇奚⟃렽⺑刿㢵ꆄ輑猰䪮噠罏䫏Ⰵⶾ倞

湌椚尪渱䲿⣘ꆄ輑湱ꡠ噠䧴岁䖒鋊眕㼿劢僈焷涸倞ⶾ噠罏♧⦐괐ꦖ鋊垸〳䱾ⵖ涸橇㞯雊Ⱖ腋㖈⚺盘堥ꡠ湌椚⛓♴鹎遤㻜뀿庠鑑ⶾ倞欴ㅷ剪䧴㉂噠垸䒭⚛冾儘❧剤岁鋊涸鞓⯝奚ず儘鷴麕莅湌盘罏ざ⡲Ⱏず鍑对㖈庠鑑麕玑⚥涮植䧴欴欰涸湌椚莅岁ⵖ湱ꡠ陾겗搭罜植遤ꆄ輑湌椚尪渱涸壋ⴕ秹鯱捀磧殜鏪㢵倞ⶾ噠罏搂岁痘ざ鋊㹁㼬荞鹎Ⰵ湌椚尪渱涸倞ⶾ噠罏鯱㼱僽や腋䲿⼮壋ⴕ秹涸稣篊䏞窍✮♶ず괐ꦖ涸噠罏♶ず涸䱇奚⡜Ⱖ鹎Ⰵꆄ輑湌椚尪渱涸ꨈ䏞

Perspectives

68Q u e s t i o n

69Q u e s t i o n


湌盘猰䪮 | 101

How can the regulatory authority use technology development to achieve effective management of system, security, and data protection?

Perspectives

In addition to the generally familiar management of external customers or service behaviors, regulatory technology also has a large part of its application for internal organization supervision. Perhaps regulatory authorities can use the development of regulatory technology to achieve effective management of the system, security and data protection, including the establishment of information security protection mechanisms, the stability of the monitoring system structure and the internal control audit mechanism for security protection.

Can the entry threshold for regulatory sandbox have a more detailed classification through g iv ing d i f ferent authorizat ion levels to different risk operators in order to encourage more FinTech companies to invest in innovation?

Perspectives

The regulatory sandbox provides startups whose financial related business or legal regulations are not yet clear with risk-controllable environments, allowing them to conduct experiments under the supervision of the regulatory authority, test innovative products, services or business models, and temporari ly enjoy statutory immunity. They can also work with regulators to resolve issues related to supervision and legal issues discovered or generated during testing. However, the threshold classification of the financial regulatory sandbox is relatively high, and many startups are unable to meet the regulations. Is it possible to increase the granularity of the threshold classification, give different authorizations to participants with different risks, and reduce the difficulty of entering the financial regulatory sandbox?

68Q u e s t i o n

69Q u e s t i o n


6

70Q u e s t i o n

71Q u e s t i o n

ꆄ輑剪噠罏倞ⶾ噠罏⛓괐ꦖ须俲䏨僽や〳莅ꆄ輑耢ざ䗚⥌⚥䗱✽湱⚮䱺⟃⯏㻜须俲䏨⛓㸤侮䚍

ꆄ輑耢ざ䗚⥌⚥䗱捀䧮㕜⥌欽须俲䏨涸⚥用錬蒀Ⱖ荈魨⚛♶麌欽须俲䖰✲佞妵瘞⥌欽❜僒䧴Ⱖ➮斊ⵄ䚍涸遤捀ꆄ輑耢ざ䗚⥌⚥䗱䨾䒊縨涸⥌欽须俲僽䖰ぐꆄ輑堥圓⣜鋊㹁䨾㜡鷑䕀侮罜⢵Ⱖ㹐纈⢵彂㢵僽⟃⫄窡ꆄ輑噠罏䖃⢵涸㹐䨩须俲捀⚺罜䋑㜥♳倞莇涸ꆄ輑猰䪮剪噠罏⟃⿻倞ⶾ噠罏涸⢪欽㹐纈剤鏪㢵ꬌ⫄窡ꆄ輑欽䨩蕰僽腋ⵄ欽䪮遯㼟Ⰽ罏⛓涸䗚⥌须俲괐ꦖ须俲䏨湱✽崩鸒㖈ず♧䎂〵♳鹎遤盘椚㼟〳⟃刿⸈鞮㺢㕜Ⰹ涸䗚⥌须俲䏨

Perspectives

岁⟂黾䗅涸湌盘猰䪮涸䧭劥湱殹넞⚺盘堥ꡠ僽や剤湱ꡠ䲀䑞倰呪⟃䲿넞噠罏㼬Ⰵ䥰欽涸䠑격

植遤湌盘猰䪮剓䑞岌涸䥰欽걆㚖捀峤ꐏⵖ䧴须䛌ⵖⵄ欽倞猰䪮 (➃䊨兰䢵怵皿岁欰暟鳺陏ꨣ畮鎙皿莅⼦㝆ꕖ瘞 )莅ⴕ區倰岁䲿⣘岁⟂黾䗅⿻湌盘涸剤佪鍑对倰呪⼿⸔⟱噠䱾盘괐ꦖ⡎岁⟂黾䗅涸湌盘猰䪮涸䧭劥湱殹넞湡㣐㘗⟱噠鯱剤堥剚㼬Ⰵ须彂♶駈涸⚥㼭㘗⟱噠鯱ꨈ⿶㼬Ⰵ湌盘猰䪮㼩倴Ⱇ斊麌籑佪鯱搂湬䱺鸮穡䕧갠Ⱖ䠑격 㔔姽⚺盘堥ꡠ僽や剤湱ꡠ佟瘼䒸㼬ꆄ輑猰䪮湱ꡠ倞ⶾ噠罏䧴ꆄ輑噠罏䫏Ⰵ湱ꡠ䪮遯莅欴噠䥰欽捀湌盘猰䪮䲀䑞涸ꅾ銴䮋䨞

Perspectives


湌盘猰䪮 | 103

70Q u e s t i o n

71Q u e s t i o n

Can the risk database of f inancial service providers and startups can be connected with Joint Credit Information Center to enrich the integrity of the database?

Perspectives

The Joint Credit Information Center plays a neutral role in Taiwan's credit database. It does not use the data to engage in credit transactions such as loan or other profit-making activities. The credit information built by the Joint Credit Information Center is obtained from various financial institutions by data collection according to regulations. The source of its customer base is mostly based on customer data from traditional financial companies. Most of clients of emerging FinTech service providers and startups are non-traditional financial users. If the use of technology can circulate the credit information and risk database between the two and manage it on the same platform, it will enrich the domestic credit information database.

T h e c o s t o f s u p e r v i s i n g t e c h n o l o g y followed by laws and regulations is quite high. Does the government have relevant regulatory technology promotion plans to increase the willingness of participants to introduce applications?

Perspectives

Current regulatory technology is most ly appl ied to money laundering prevent ion or terrorism financing prevention, using new technologies (artificial intelligence, algorithms, biometrics, cloud computing and blockchain etc.) and analytical methods to provide solutions for compliance with laws and regulations. However, the cost of regulatory technology for compliance with laws and regulations is quite high. At present, large enterprises are more likely to introduce them. On the contrary, SMEs with less resources have more difficulty adopting it. The introduction of regulatory technology has no direct impact on the operator's operating performance and links. Therefore, whether the regulatory authority has relevant promotion policies to guide financial operators or FinTech startups to invest in regulatory technology such as internal control technology, financial technologies and industrial norms, will be important challenges.


6

湡涸湌椚㣐㢵鷴麕✲䖕㜡邍⿻侸亙⡎鸏❉㢵㿂倴衆䖕䭸垦㥶⡦腋㣁鷴麕㻜儘괐ꦖⴕ區⢵䒊用傍劍갸陪禺窡 ?

湡⚺盘堥ꡠ㼩倴噠罏䲿ⴀ涸ꆄ輑湌椚銴宠㢵㿂✲䖕湌漛鷴麕✲䖕㜡邍⿻侸亙澗鍑「增堥圓Ⰹ鿈䱾ⵖ涸麌⡲䞕䕎⟃⿻괐ꦖ盘椚涸植屣鹎罜䲿ⴀ湱ꡠ增叆䠑鋅佖㊥銴宠瘞搭罜ꆄ輑⽭堥䨾鸤䧭涸爢剚䧭劥欩ꉣ蕰腋䲿傍涮植괐ꦖ䨾㖈㼟腋㣐䌴⡜⽭㹳植遤椕ぐ㕜⛳䋞劆鷴麕䪮遯莅湌椚ぢ涸穡ざ刿剤佪ꆚ㼩괐ꦖ鹎遤⩏庠ⴕ區⚛鷷姿麨䧭湌椚涸갸陪禺窡⚺盘堥ꡠ䥰ꆚ㼩侮넓ꆄ輑湌椚ⵖ䏞鹎遤禺窡䚍鏻倬鷴麕㻜儘괐ꦖⴕ區涮㾝傍劍갸陪禺窡㼟⟃䲿⼮湌椚佪腋

Perspectives

㥶⡦䲿⼮湌椚尪渱涸㻤叆剚陾佪桧幾㼱湱ꡠ遤佟崩玑涸瘞䖊儘 ?

湌椚尪渱涸嚌䙂㖈颭✮噠罏倴㸞瑠庠鑑Ⱖꆄ輑ⶾ倞欴ㅷ噠㉂噠垸䒭ꆄ輑湌漛盘椚㨽㆞剚⣜哭⢿⛓䱇奚곃ⶾ倞䚍Ⱇ䎂䚍嶋顥罏奚渤⥃隌须鎝㸞⿻湱ꡠ괐ꦖ䱾盘瘞⾲♴㸤䧭湱ꡠ䱇奚岁鋊ㄐ⟂⛓鎎㹁⿻㸤⪔湌椚ꂂ㤛䲃倷㔔姽倴㻤叆麕玑⚥㼟鼝꧌倞ⶾ猰䪮噠罏ꆄ輑噠罏⿻湱ꡠ奚顑⚺盘堥ꡠ⯏ⴕ莅鎣锸增鋕噠罏宠⿻噠涮㾝馸⡎湱ꡠ㻤叆遤佟崩玑涸瘞䖊儘麕⛉䥰䙼罌㥶⡦䲿⼮湌椚尪渱涸㻤叆剚陾佪桧⸈鸠湌椚尪渱涸麌⡲

Perspectives

72Q u e s t i o n

73Q u e s t i o n


湌盘猰䪮 | 105

Most of the current supervision uses post-mortem reports and data, but in fact these are backward indicators. How can an early warning system be established through real-time risk analysis?

Perspectives

At present, the regulatory authority's financial supervision requirements raised by participants are mostly post-event supervision which is to realize the operation status of the internal control of the inspected institution and the current status of risk management through the post-event reports and then propose relevant improvement requirements. However, the social costs caused by the financial crisis are huge. If the risks are discovered early, the harm will be greatly reduced. The countries around the world also hope that through the combination of technology and supervision, they can more effectively detect and predict risks, and gradually achieve early warning system for supervision. The regulatory authority should conduct a systematic diagnosis of the overall financial supervision system and develop an early warning system through real-time risk analysis to enhance the effectiveness of supervision.

How to improve the efficiency of the regulatory sandbox review meeting and reduce the waiting time of relevant administrative processes?

Perspectives

The concept of regulatory sandbox is to empower the participants to test its f inancial innovation products, business and business model in a safe space. The principles of innovation, fairness, consumer rights protection, information security and related risk control that follows the authorization from FSC complete the stipulations of relevant authorization laws and regulations and complete supporting measures for supervision. Therefore, during the review process, FinTech startups, financial operators and related authorities will be invited to fully participate in the discussion to review the needs of participants and business trends. However, the waiting time for the relevant review and administrative process is too long, and we should think about how to improve the efficiency of the review meeting of the regulatory sandbox and speed up the operation of the regulatory sandbox.

72Q u e s t i o n

73Q u e s t i o n


6

74Q u e s t i o n

75Q u e s t i o n

僽や䥰㼟ꆄ輑猰䪮噠罏秝Ⰵꆄ輑耢ざ䗚⥌⚥䗱䧴湱ꡠ⥌欽须俲䏨涸⢪欽眕㕠鷴麕须俲佞佟瘼⟃衆㻜괐ꦖ鐱⠮ ?

佟䏎䥰佖㊥须俲佞佟瘼㼟ꆄ輑猰䪮噠罏秝Ⰵ耢ざ䗚⥌䧴湱ꡠ⥌欽须俲䏨涸⢪欽眕㕠佞窍䨾剤ꆄ輑剪噠罏罜♶䥰⤂ꣳ倴⫄窡ꆄ輑噠罏⼿⸔ꆄ輑剪噠罏莅ꆄ輑猰䪮倞ⶾ噠罏㖈岁⟂黾䗅涸麕玑⚥腋刿製꧌ⵌ㸤侮涸须鎝⡜侮넓ꆄ輑䋑㜥涸괐ꦖ蕰⚺盘堥ꡠ剤须俲괐ꦖ䱾盘涸毠䣂❠〳⟃ⵖ㹁㻤叆堥ⵖ痘ざ♧㹁垦彋罏䩞腋⢪欽

Perspectives

湌盘猰䪮捀✫ⴕ區莅盘椚〳腋䱺鍸㣐ꆀꦡ猙侸亙㥶⡦㖈⦐➃须俲⥃隌涸䲿♴麨ⵌざ椚ⵄ欽⟃䲿⼮湌盘涸佪桧

湌盘猰䪮ⵄ欽须鎝䪮遯侮ざ湌椚ⵖ䏞莅岁鋊銴宠䲿⣘ⴕ區莅盘椚涸䊨Ⱘ殹⚥〳腋剚䱺鍸⚛麌欽ⵌ⦐➃须俲㛂遤岁⟂黾䗅盘椚ꦑ衽⦐➃须俲⥃隌涸䠑陏䲿⼮㥶⡦㖈鼚⯝➃呔ꦡ猙奚「㹳涸䲿♴⤛鹎须俲涸ざ椚ⵄ欽⟃䲿⼮湌盘猰䪮涸佪桧⢿㥶䭸秙私ꏗ茁鿈鳺陏瘞➠㶸剤岁䖒⿻麥䗞昰陾㔔姽⚺盘堥ꡠ갭銴宠⟱噠穉籽䒊用⦐➃须俲䧴须鎝㸞⛓盘椚ⵖ䏞Ⰹ鿈䱾ⵖ䧴珮呍⡲噠玑䎸鋊眕❠갭ꆚ㼩湱ꡠ岁⟂鋊眕⨞ⴀ僈焷㹁纏

Perspectives


湌盘猰䪮 | 107

74Q u e s t i o n

75Q u e s t i o n

Should FinTech companies be included in the scope of Joint Credit Information Center or related credit database, and the risk assessment implemented through the open data policy?

Perspectives

The government should improve the open data policy and let FinTech companies enter the Joint Credit Information Center or related credit databases, and open them up to all financial service providers, not limited to traditional financial providers. They should Assist financial service providers and financial startups to collect complete information and reduce the overall financial market risk in the process of compliance with laws and regulations. If the regulatory authority has doubts about data risk control, it can also formulate a review mechanism, which can be used if it meets certain standards.

In order to analyze and manage technology, supervisory technology may be exposed to a large amount of private data. How can it be rationally used to enhance the efficiency of supervision under the premise of personal data protection?

Perspectives

Regulatory technology uses information technology to integrate supervision systems and regulatory requirements to provide tools for analysis and management. There may be access and use of personal data to enforce laws and regulations. With the increasing awareness of the protection of personal data, it is necessary to focus on how to promote the rational use of data on the premise of avoiding infringement of personality and privacy to enhance the efficiency of regulatory technology. For example, fingerprint records and facial recognition, etc. remain legal and moral disputes. Therefore, the regulatory authority needs to require the enterprise organization to establish a management system, internal control or auditing operation procedures and specifications for personal data or information security. It must also make a clear definition for the relevant laws and regulations.


76Q u e s t i o n

76Q u e s t i o n

㼩倴峤ꐏⵖ岁⟂銴宠涸䲿⼮㥶⡦⼿⸔䖰✲ꆄ輑剪涸ꆄ輑猰䪮噠罏痘ざ峤ꐏⵖ鋊眕

捀✫莅㕜ꥹ䱺鮨⟃⿻鸒麕❏㣖ⵖ峤ꐏ穉籽涸鐱Ꙥ⚺盘堥ꡠ鵜䎃⢵㼩倴峤ꐏⵖ涸銴宠馊馸䲿⼮ぐ㹻ꆄ輑噠罏涼䫏Ⰵ㣐ꆀ➃⸂暟⸂鹎遤佖㊥⺫䭍䧭用峤ꐏⵖ㼠顑鿈㋲⡙䬸㣐ꆀ㼠顑峤ꐏⵖ莅岁黾➃㆞瘞⡎㼩倴鿈ⴕ倞ⶾⰗ罜鎊⚛尝剤鸏랃㢵涸须彂腋㣁䫏Ⰵ峤ꐏⵖ涸佖㊥⚺盘堥ꡠ㥶⡦⼿⸔䖰✲ꆄ輑剪涸ꆄ輑猰䪮噠罏痘ざ峤ꐏⵖ鋊眕僽や腋렽⺑痧♲倰㼠⼿⸔鹎遤峤ꐏⵖ⛓堥圓欴欰⢿㥶字䗚⥌Ⱇ䗚⥌猰䪮Ⱇ鷴麕䗚⥌猰䪮䪮遯⼿⸔噠罏鹎遤괐ꦖ鳺陏⛳〳⡜湱ꡠ噠罏ꅾ銼䫏Ⰵ⛓䧭劥⿻鹎Ⰵꥻ燘痘ざ峤ꐏⵖ⛓鋊眕

Perspectives

Laws and regulations for the enhancement of the requirements of the money laundering prevention laws and regulations are rising. How can we assist FinTech companies engaged in financial services to comply with the money laundering prevention regulations?

Perspectives

In order to be in line with the international standards and pass the evaluation of the Asia/Pacific Group on Money Laundering, the regulatory authorities have increasingly demanded money laundering prevention in recent years. Various financial operators have invested a lot of manpower and material resources to improve it, including the establishment of a special responsibility unit as well as recruiting a large number of personnel specifically responsible for money laundering prevention and compliance. However, for some startups, there are not as many resources that can be invested in the improvement of money laundering prevention. How can the authorities assist these companies to comply with money laundering prevention regulations Perhaps encourage third parties to specifically assist in the creation of money laundering prevention organizations, such as private credit companies and credit technology companies, to help startups identify risks through CredTech technology, and to reduce repeated investment cost and barriers to comply with the regulations for money laundering prevention.


This proposes how to use innovative technology to design new insurance products and solutions, improve process and operational efficiency, and enhance customer experiencing. There is a total of 14 issues. The key issues include the opening of insurance technology or insurance products, whether there is room for regulation adjustments, how to use insurance technology to improve customer experiencing and reduce risks, as well as whether the government has relevant regulations or policies to assist insurance companies in cross-industry data streaming and integration.

䲿ⴀ㥶⡦⟃倞ⶾ猰䪮⢵鏤鎙倞涸⥃ꦖ欴ㅷ莅鍑对倰呪佖㊥崩玑⿻斊麌佪桧⚛䲿⼮㹐䨩넓뀿劥ぢⰟ剤 14 겗 ㉏겗ꅾ럊⺫䭍 : 㼩⥃ꦖ猰䪮䧴㉂ㅷ涸佞䥰琎噲增鋕僽や剤锅侮岁鋊瑠㥶⡦麌欽⥃ꦖ猰䪮䲿⼮㹐䨩넓뀿⿻⡜괐ꦖ佟䏎僽や剤湱ꡠ鋊眕䧴佟瘼⼿⸔⥃ꦖ騗欴噠涸须俲⚮䱺⿻侮ざ

7 ⥃ꦖ猰䪮Insurance Technology


7

㼩倴嶋顥罏⥃ꦖ须俲莅ꄴ派须俲涸⚮耢⭆⧩ꕖ涸㘍湬侮ざ佟䏎僽や剤湱ꡠ⼿锅堥ⵖ莅䲀䑞佟瘼

♧菛嶋顥罏ⴀꦖ䖕䖰䲿ⴀ歍锞ⵌ栽䖤椚颦涸儘玑鯱ꡠ꒳㖈倴⥃䨩ꄴ派须俲涸《䖤갭竤麕㢵麥歍锞䩛糵ⱔ涸遤佟⡲噠儘鸤䧭椚颦俒⟝䕀侮鸠䏞鯱䢩蕰腋㣁鷴麕须俲⭆⧩ꕖ涸㘍湬侮ざ㼟⥃ꦖ须俲莅ꄴ派须俲鹎遤⚮䱺㼟〳䲿넞侮넓崩玑佪桧剤ⵄ倴嶋顥罏涸⤑ⵄ䚍⚺盘堥ꡠ㼩姽僽や剤湱ꡠ涸窡侮⼿锅堥ⵖ⿻佟瘼涸䲀䑞

Perspectives

⥃ꦖ猰䪮莅兰䢵ꄴ派涸䲀䑞堾騗㢵珏欴噠䥰欽❒佟䏎㋲⡙䒊用湱ꡠ涸岁䖒ꂂ㤛䲃倷⟃㸤㊥欴噠涮㾝橇㞯

䧮㕜ꧪ剤㸤侮涸ꄴ派⨴⥃넓禺莅须鎝莅鸒⥌猰䪮涸⮛⡎⥃ꦖ猰䪮莅兰䢵ꄴ派涸䲀䑞堾騗鏪㢵欴噠䥰欽⺫䭍ꄴ派欴噠鮿炽넓欴噠⟃⿻⚮耢ꆄ崩剪涸ꆄ輑噠䨾⟃䗳갭鹎遤騗걆㚖騗鿈涸侮ざ⛳㔔捀ꄴ派僽넞䏞ꦡ猙盘ⵖ涸欴噠䨾⟃剤鏪㢵岁鋊莅黠欽䚍涸ꥻ燘⢿㥶շ⦐➃须俲⥃隌岁ո须㸞ㄤꦡ猙奚欰暟须俲䏨瘞湱ꡠ陾겗鿪銴佟䏎㋲⡙⼿⸔⯘剪㧇㊥䒊用须俲⫄鱒❜䳖涸Ⱏ鸒䚍盘椚卺圓䩧鸤葻㥪䖤欴噠涮㾝橇㞯

Perspectives

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⥃ꦖ猰䪮 | 111

Are there any relevant promotion policies for the concatenation of insurance data and medical data, and the vertical integration of value chains to enhance consumer convenience?

Perspectives

When customers have an accident, the time it takes between applying and receiving the claim is quite long. The reason is that the insurer 's medical information must be obtained through multiple application procedures. The lengthy administrative operation time causes the consolidation of the claim documents to be slower. Perhaps vertical integration of the data value chain can be used to connect insurance data and medical data, the overall process efficiency and the convenience of consumers will be improved. Does the regulatory authority have any relevant policies to promote this?

The promotion of insurance technology and smart healthcare spans a variety of industrial applications, and government agencies are urgently required to establish relevant legal measures to improve the industrial development environment.

Perspectives

Although Taiwan has the advantage of a complete health insurance system and communication technology, the promotion of insurance technology and smart healthcare spans many industrial applications, including the medical industry, hardware and software industry, as well as the connection service of cashflow in the financial industry. It is necessary to integrate across fields and departments. Because medical care is a highly privacy-controlled industry, there are many obstacles to regulations and applicability. For example, the Personal Data Protection Act, information security and privacy rights, biological databases, and other related issues all require government units to help overcome and properly establish a common management structure for data transmission and exchange, and create a good industrial development environment.

77Q u e s t i o n

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7

㥶⡦䱍䳣Ⱏ❧竤憘⛓劢⢵馸㊥欽⥃ꦖ猰䪮⟃剤佪鹎Ⰵ⚛竤斊倞竤憘걆㚖涸䋑㜥

䗏㘗⦐➃㹐醢⻋涸⥃㋲宠傈馸㟞⸈搂➃ / 荈꽙鮦⿻Ⱏ❧竤憘垸䒭莇饱䩧灶✫⫄窡⥃ꦖ♳♧➃㼩♧✲暟涸顑⟤娝㿂⥃ꦖ顑⟤娝㿂隶䧭垸祎䧴馸ぢ㢵➃ⴕ二⢿㥶蕰搂➃鮦倴荈꽙꽢垸䒭♴涮欰✲佦儘顑⟤娝㿂涸ⴼ㹁僽涮荈꽙禺窡涸鮦䑖鼩僽꽙꽢Ⱏ❧竤憘♴涸 Uber 䧴Airbnb㖈䫏⥃鮦ꦖ莅䨼㾋ꦖ儘莅䫏⥃♧菛㋲秫⢪欽儘涸ꦖ珏㖈괐ꦖ莅⥃顥涸钢㹁♳僽や剤䨾♶ず噠罏〳⟃䙼罌㖈Ⱏ❧竤憘僽劢⢵馸♴⥃ꦖ猰䪮㥶⡦鹎Ⰵ倞竤憘걆㚖涸䋑㜥⚂鑪䪐怵➊랃錬蒀

Perspectives

僽や䥰䲿⼮侸⡙䎂〵䧴侸⡙倰䒭鹎遤䫏⥃莅剪涸眕㕠⟃䲿넞侸⡙⻋⥃ꦖ涸佪桧莅剪ㅷ颶

⥃ꦖ猰䪮涸莇饱⢪⾲剤⫄窡涸⥃ꦖ噠⛳〳佖欽侸⡙箁♳⻋湬䱺䫏⥃呍ⲥ⡎歋倴箁♳⡲噠緄⛘噠㆞涸⼿⸔莅呍㼩㼬荞侸⡙䫏⥃涸麕玑鯱捀矦殜㔔姽湡⚺盘堥ꡠ佞遤涸䫏⥃眕㕠剤ꣳ剤鿈ⴕ涸⥃ꦖ㉂ㅷ⢿㥶假䎂ꦖ欴ꦖ瘞矦㋲瀊劍⛓㉂ㅷ〳㖈侸⡙䎂〵鹎遤䫏⥃劢⢵僽や剤佞㻫锅侮涸瑠䲿⼮侸⡙䎂〵䧴侸⡙倰䒭鹎遤䫏⥃莅椚颦剪涸眕㕠⟃䲿넞侸⡙⻋⥃ꦖ涸佪桧莅剪ㅷ颶

Perspectives

79Q u e s t i o n

80Q u e s t i o n


⥃ꦖ猰䪮 | 113

How to seize the future trends of the sharing economy and make good use of insurance technology to effectively initiate the market in the new economic field?

Perspectives

The demand for miniaturized and custom policies is increasing, and due to the rise of unmanned / self-driving cars and the sharing economy model, the attribution of one person to one thing in the traditional insurance industry is broken. For example, if an unmanned vehicle has an accident in automatic driving mode, does the responsibility belong to the developer of the self-driving system or the driver? Under the sharing economy, when Uber or Airbnb insure cars or houses, will the identification of risks and premiums be different from insurance types that are generally used? Operators can think about how insurance technology enter the new economic field under the future trend, sharing economy, and what role it should play between the two sides of the platform.

Should the scope of digital platforms or digital insurance service be improved to boost the efficiency and service quality of digital insurance?

Perspectives

The rise of insurance technology has enabled the original traditional insurance business to be replaced by online buying trend of digital insurance. However, due to the lack of the assistance and verification of salesperson for online operations, the process of digital insurance is relatively simple, and the coverage is limited. Only some insurance products, such as travel insurance, property insurance, and other short-term insurance products, can be insured on digital platforms. In the future, will there be room to loosen limits for digital insurance adjustments and broaden the scope of digital platforms or digital insurance services and claims to improve the efficiency and quality of digital insurance?

79Q u e s t i o n

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7

㖈⥃ꦖ猰䪮涸佞莅⦐➃须俲⥃隌盘椚⛓⢿㥶欰暟鳺陏⛓䥰欽㥶⡦莅儘⥡鹎㖒䎂邂곃

ꦑ衽⥃ꦖ猰䪮涸䪮遯䲿⼮㕜㢫鿈⟨⥃ꦖ噠罏㨥鷴麕欰暟鳺陏焷钢⥃䨩魨ⴕ䒊用欰暟墂呪⡎殹⥃ꦖ猰䪮佐꧌✫㣐ꆀꦡ猙须俲儘㥶⡦腋焷⥃须俲涸㸞⿻⦐须涸⢪欽ꧪ搭湡⥃ꦖ涸欰暟鳺陏㖈〵抓湡㼿劢兜⿻⡎⚺盘堥ꡠ⛳䥰䲿傍䙼罌⿻鋊ⷔ㥶⡦㖈Ⰽ罏⛓《䖤䎂邂僽や〳腋歋⚥㣜䒊用须俲䏨⢵盘䱾ꦡ猙须俲⟃湱ꡠ岁䖒⥃隌ㄤ㸞䪮遯捀䲿歋㕜㹻⥌欽⢵胝剅焷⥃♶㼩Ⱇ字ꦡ猙奚欴欰㪮腙⟃⿻⥃隌⦐须涸㸞

Perspectives

捀✫䲿⼮字滞飑顠넓뀿⿻⥃ꦖ䋑㜥涮㾝㥶⡦㊥欽⥃ꦖ猰䪮鍑对植剤⥃ꦖ㉂ㅷ须鎝醳꧹䧴僽须鎝♶㼩瘞涸植屣

鏪㢵⥃ꦖ欴ㅷ剤醳꧹涸哭妵♧⟨⥃㋲剤侸⼧갤涸铞僈Ⱖ⚥鼩〳腋嶍⿻ꄴ派ꆄ輑瘞湱㼩鯱捀㼠噠涸濼陏걆㚖㼩♧菛嶋顥罏罜鎊ꨈ⟃䘰鸠椚鍑ㄤ䱺「嶋顥罏莅⥃ꦖⰗ⛓㖈尝剤✽⥌㛇燊⛓♴噠罏㖈ꌼ㈒莅椚颦麕玑⚥갭蔅顥鯱㢵涸彘鸒䧭劥鸤䧭嶋顥罏飑顠欴ㅷ涸麕玑湱㼩ⱔ籗醳㹐䨩怏䠑䏞♴ず儘⛳䕧갠✫⥃ꦖ䋑㜥涸涮㾝㔔姽㥶⡦䥰欽⥃ꦖ猰䪮⢵鍑对植剤⥃ꦖ㉂ㅷ须鎝醳꧹䧴僽须鎝♶㼩瘞涸植屣⼿⸔字滞䘰鸠✫鍑雊须鎝刿鷴僈䵃㼦刿倰⤑僽噠罏莅⚺盘堥ꡠ銴Ⱏず䙼罌涸㉏겗

Perspectives

81Q u e s t i o n

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⥃ꦖ猰䪮 | 115

How can we keep pace with the times and balance the opening of insurance technology and the management of personal data protection?

Perspectives

With the advancement of insurance technology, some foreign insurance companies have begun to confirm the identity of insured persons through biometrics and establish biological files. But when insurance technology collects a large amount of private data, how can we ensure the safety of the data and the use of personal resources? Although biometric insurance is not yet popular in Taiwan, the regulatory authorities should plan ahead of time to strike a balance between two sides. Is it possible for the central government to establish a database to fully control private data based on the relevant legal protection and security technology and relying on national credit to endorse and ensure that it does not threaten citizens' privacy rights and protect the security of personal data?

I n o r d e r t o i m p r o v e t h e p u r c h a s i n g e x p e r i e n c e o f t h e p u b l i c a n d t h e development of the insurance market , how can we make good use of insurance technology to solve the current situation that the information of existing insurance products is complex or unequal?

Perspectives

Many insurance products have complicated terms. A policy has dozens of pages of instructions, often involving relatively professional knowledge, such as medical care and finance, which are difficult for the general consumer to quickly understand and accept. Without mutual trust between consumers and insurance companies, operators must spend more communication costs in the process of sales and claims settlement. The process for consumers to purchase insurance products is relatively lengthy and complicated, reducing customer satisfaction and also affecting the development of the insurance market. Therefore, how should insurance technology be applied to solve the current situation of complex or unequal information of existing insurance products, to help the public to quickly understand, to make the information more transparent and to facilitate convenient search are issues that both operators and the competent authorities need to think about together?

81Q u e s t i o n

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7

㥶⡦䭰糵䓽⻋箁♳荈⻋椚颦涸⤑ⵄ䚍⟃鷆宠鸠䏞刿䘰彋焷䚍莅鷴僈䏞刿넞涸ꆄ輑猰䪮⥃ꦖ剪

⫄窡⥃ꦖ飑顠崩玑醳꧹佦銴竤麕噠➃㆞涸⼿⸔搭罜㖈ꆄ輑猰䪮涸䍲⸔♴噠罏䊺䪾鏪㢵剪鿪佖捀箁♳荈⻋⟃ⶾ䒊刿㥪涸❜僒橇㞯⢿㥶箁♳荈⻋椚颦鸠䏞嫲⫄窡刿䘰彋焷䚍莅鷴僈䏞刿넞鷴麕箁♳歍锞粿❜俒⟝㽠〳⟃㻤呍䧴鷴麕䩛堥㽠腋ꦑ儘叆溏粿顥朜屣⚺盘堥ꡠ䥰䭰糵렽⺑噠罏噠罏⛳䥰⸗⸂涮㾝侸⡙荈⻋剪䲿⼮乽⡲崩玑涸갫冱䏞⟃剤佪䥰欽ꆄ輑猰䪮䌟⢵涸⤑ⵄ䚍

Perspectives

ꦑ衽⥃ꦖ猰䪮鹎姿⿻岁鋊涸佞佟䏎⿻噠罏㥶⡦䍲⸔莅來肬嶋顥罏✫鍑⚛䱺「倞涸嶋顥䙼笞莅遤捀

〵抓涸⥃ꦖ猰䪮㨥饱姿䧭搭罜鸏❉ꆄ輑剪涸䲀䑞➠贖倴傍劍ꥣ媯嶋顥罏僽や腋䱺「⚛佖隶⾲剤涸嶋顥绢䢫㼟僽⥃ꦖ猰䪮涸䧭ꡠ꒳⥃ꦖ䋑㜥♳涸嶋顥罏停纈㢵⯋䎃룲ⴕ䋒䑞㣐⢿㥶鷴麕笪騟爢纈莅兰䢵㘗䩛堥耢粯涸չ侸⡙⾲⡞字պ⚆➿䄖饱姽⚆➿㼩倴⥃ꦖ噠罏僽や〳⟃䲿⣘넞〳⿻䚍⡜䧭劥莅넞⤑䰦䚍⛓笪騟鸒騟剤湱㼩鯱넞⛓銴宠㔔姽噠罏莅佟䏎倴琎噲䲀⥃ꦖ猰䪮涮㾝涸ず儘❠갭銴㨥䙼罌㥶⡦䍲⸔莅來肬♶ず䎃룲㾵嶋顥罏䙼笞莅遤捀涸佖隶

Perspectives

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⥃ꦖ猰䪮 | 117

How can we continuously enhance the convenience of online automated claims s e tt l e m e n t i n o rd e r to p u r s u e fa s te r, more accurate and transparent financial technology insurance services?

Perspectives

The traditional insurance purchase process is complicated and requires the assistance of business personnel. However, with financial technology assistance, operators have changed many services to online automation to create a better buying environment. For example, online automated claims settlement is faster, more accurate and more transparent than traditional ones. Payment documents can be reviewed through online applications or checked on the phone at any time. Regulatory authorities should continue to encourage operators, and operators should also strive to develop digital automation services to improve the smoothness of the operation process in order to effectively apply the convenience brought by financial technology.

With the advancement of insurance technology and the opening up of regulations, how can the government and participants educate consumers to better understand and accept new consumer thinking and behaviors to optimize the market?

Perspectives

Insurance technology in Taiwan has begun to grow, but the evolution of these financial services is still in the early stages. Whether consumers can accept and change their original consumption habits is also the key to the growth of insurance technology. Insurance consumers are diverse and have a wide age distribution, for example the generation of "digital natives" who are familiar with smartphones and the internet community has gradually risen. This generation has relatively high requirements for whether insurers can provide high accessibility, low cost, and high convenience of network access. While operators and the government are actively promoting the development of insurance technology, they also need to start thinking about how to help and educate consumers of different ages to change their thinking and behavior.

83Q u e s t i o n

84Q u e s t i o n


7

85Q u e s t i o n

86Q u e s t i o n

⥃ꦖ侸⡙⻋涸湡涸⛓♧僽捀✫䲿넞㹐䨩⥃ꦖ涸넓뀿侸⡙剪⢿㥶魨ⴕ뀿阮⚺盘堥ꡠ莅噠罏鑪㥶⡦䭰糵䲿⣘⮛⻋剪

歋倴遤酤縨兜⿻黇畮鎝䜂贖椚䪮遯瘞涮㾝⥃ꦖ噠㨥䲀箁♳䫏⥃捀✫䲿⼮䫏⥃崩玑侸⡙⻋涸Ⱇ⥌⸂莅须㸞涸⥃隌♶㼱噠罏䲀ⴀ⯓㖈笪騟㸤䧭歍鳵䩛糵剓䖕ⱄ鷴麕㻜넓隡⽓堥⿻荈搭➃䤊阮뀿阮⽰〳㸤䧭⡲噠涸笪騟魨ⴕ钢阮堥ⵖ䩧灶✫儘莅瑠ꣳⵖ⡎歋倴笪騟❜僒➠剤Ⱖ♶焷㹁䚍嶋顥罏剚二䗱箁♳魨ⴕ钢阮堥ⵖ涸Ⱇ⥌⸂⛳♶僽嫦⡙嶋顥罏鿪剤㻜넓隡⽓堥⿻荈搭➃䤊阮噠罏〳⟃ⱄ㢵䙼罌㥶⡦䲿⼮嶋顥罏뀿阮涸倰⤑䚍䋞劆⚺盘堥ꡠ⛳腋䲀ⴀ刿⯓鹎涸笪騟魨ⴕ钢阮堥ⵖ

Perspectives

ꦑ衽㢫鿈涸橇㞯罜䘰鸠佖隶⥃ꦖⰗ䥰莅儘⥡鹎䲿⣘㢵⯋⥃ꦖ㉂ㅷ涸Ⰹ㺂莅㹁⭆涸倰䒭

猰䪮䪮遯涸鹎姿嶋顥罏涸欰崞垸䒭⛳ꦑ⛓佖隶㼩倴⥃ꦖ宠⛳剤♶ず涸劍䖊⢿㥶腋呏亙鮦꽙꽢♶ず騟儘媯遤捀绢䢫ꦑ儘锅侮鎙皿♶ず涸⥃顥㖈㕜㢫䋑㜥㽠ꬌ䌢抡秋⛳剤馊⢵馊㢵涸⥃ꦖ猰䪮Ⱇ䲿⣘刿倞琐刿ⴗざ銴涸⥃㋲Ⰹ㺂莅䎂〵仗膨⟃䖃⫄窡涸⥃㋲겳ⴽ䧴⣜䎃䏞儘涸䪭⥃倰䒭⥃ꦖⰗ䥰莅儘⥡鹎䫏Ⰵ⽰儘⣜宠⛓䪭⥃眕㕠涸欴ㅷ涮⟃䲿⣘㢵⯋⥃ꦖ㉂ㅷ涸Ⰹ㺂莅㹁⭆倰䒭窍嶋顥罏

Perspectives


⥃ꦖ猰䪮 | 119

85Q u e s t i o n

86Q u e s t i o n

O n e o f t h e p u r p o s e s o f i n s u r a n c e digital izat ion is to improve customers' successful experience in digital insurance services. How should the government and operators continue to optimize services?

Perspectives

Due to the popularity of mobile devices and the development of remote information processing technologies, the insurance industry has begun to promote online insurance. In order to improve the credibility of the digitalization of the insurance process and the protection of information security, many operators have launched a network identity authentication mechanism that completes the application process online first, and then completes the operation through card reader or natural person certificate verification, breaking the time with space restrictions. However, due to the uncertainty of online transactions, consumers will worry about the credibility of the online identity authentication mechanism, and not every consumer has a physical card reader and a natural person certificate. Operators can consider how to improve the convenience of consumer verification, and regulatory authorities can also have a more advanced network identity authentication mechanism.

With the rapid changes in the external environment, insurance companies should keep pace with the times and provide diverse content and pricing methods for insurance products.

Perspectives

With the advancement of technology, consumers' lifestyles have also changed, and they have different expectations for insurance needs. For example, they can adjust and calculate different premiums at any time according to different road surfaces, time periods and behavior habits of driving. There are also more and more insurance technology companies that provide newer and more suitable policy content and platforms to get rid of traditional policy types or underwriting methods based on annual time. Insurance companies should also keep pace with the times and invest in product development with immediate and demand-based coverage to provide consumers with multiple content and pricing methods for insurance products.


7

㥶⡦㊥欽⥃ꦖ猰䪮雊侸⡙⻋䫏⥃⿻䖕糵湱ꡠ剪麕玑搂簧侮ざ䲿⼮字滞涸剪侮넓怏䠑

湡⥃ꦖ噠罏䊺♶倬矦⻋䫏⥃崩玑⢿㥶湬䱺㖈笪騟♳䫏⥃矦㋲涸假䎂ꦖ䠑㢫ꦖ瘞鿈ⴕ⥃ꦖ噠⛳〳湬䱺鸒麕遤侸⡙⻋涸焷钢⢿㥶㹐䨩⥃㋲㖒㖧涸隶刿㡽ꦖ涸⥃㋲⦶妵⥃㋲鍑秉瘞갪湡搭罜植遤➠剤❉鏪崩玑銴秶劥覈畎䧴砞そ钢〳呍ⲥ㥶⡦㊥欽⥃ꦖ猰䪮雊䫏⥃麕玑搂簧侮ざ欩荛麨ⵌ搂秶⻋涸〳腋䲿⼮字滞⤑ⵄ涸剪넓뀿

Perspectives

㖈涮㾝⥃ꦖ猰䪮涸ず儘㥶⡦䓽⻋➃堥⼿⡲禺窡涸剤佪䚍酢駈➃䊨ⴼ倬呪⟝괐ꦖ♶駈涸鐱⠮

〳荈㛂遤➃䊨⡲噠涸崩玑堥㐼➃莅➃䊨兰䢵植姻鴾鸠忶鷴⥃ꦖ欴噠佖隶䧴幾㼱㺙꧌㘗耷緄〳⟃⡜Ⱇ斊麌䧭劥⡎㔔捀尝剤噠㆞㖈痧♧箁鹎遤鋷ㇰⴼ倬⛳㼱✫♧麥괐ꦖ涸䱾盘堥ⵖ噠罏㖈涮㾝⥃ꦖ猰䪮涸ず儘㥶⡦酢駈姽괐ꦖ衆䊴 ? 僽や銴⸈䓽麕懏괐ꦖ涸堥ⵖꆚ㼩䊨⡲Ⰹ㺂鹎遤ⴕ區莅ⴼ倬ㆭ❉갪湡䥰✮荈⻋ㆭ❉갪湡➠歋➃䊨㻤呍ⵄ欽➃堥⼿⡲涸倰䒭⢪䖤⟱噠猰䪮⼮秹ず儘⛳䲿⣘嶋顥罏⥌飅䠮⚛幾㼱괐ꦖ欴欰涸堥剚

Perspectives

87Q u e s t i o n

88Q u e s t i o n


⥃ꦖ猰䪮 | 121

How to make good use of insurance technology to seamlessly integrate the digital insurance and follow-up related service processes to improve the overall satisfaction of the public?

Perspectives

At present, insurance companies have continuously simplified the insurance process, such as simple and online application of travel insurance and accident insurance, and some insurance businesses can also be directly confirmed through digitalization of actions, such as the change of customer policy address, life insurance policy loan, policy cancellation and other items. However, there are still some processes that require paper stamping or signature approval. For example, when the guarantor is a legal person, you need to affix a company seal to certify the process of paperwork in order to protect the company's rights and interests. How to use insurance technology to make the insurance process seamlessly integrated and even achieve the possibility of being completely paperless, enhancing the convenient service experience of the public?

While developing insurance technology, how to strengthen the effectiveness of the human-machine collaboration system and complement the assessment of the lack of manual judgment of case risk?

Perspectives

Robotic Process Automation and artif ic ial intel l igence that can automatical ly perform manual operations are now rapidly penetrating the insurance industry. Changing or reducing labor-intensive vacancies can reduce the company 's operating costs, but because there is no salesperson to make personal judgments on the front line, there is less risk control mechanism. While developing insurance technology, how do companies make up for this risk gap? Is it necessary to strengthen the risk filtering mechanism, analyze and judge the work content, which items should be automated, and which items are still subject to manual review? The use of human-robot collaboration allows companies to upgrade their technology while also providing consumers with a sense of trust and reducing opportunities for risks.

87Q u e s t i o n

88Q u e s t i o n


7

ꦑ衽䪮遯䲿⼮⚺盘堥ꡠ莅噠罏㥶⡦Ⱏず⸗⸂⼿⸔ⶾ倞⥃ꦖ㉂ㅷ涸佞⟃怏駈刿㢵字滞宠 ?

ꦑ衽爢剚竤憘莅䪮遯♶倬隶⻋字滞⛳欴欰倞涸⥃ꦖ宠⡎植遤鿈ⴕ㕜㢫涸ⶾ倞⥃ꦖ㉂ㅷ䧴剪垸䒭㖈〵抓鼩搂岁♳卺顋㈒䒊陾⚺盘堥ꡠ䥰䭰糵䲿넞㼩倴ⶾ倞⥃ꦖ㉂ㅷ珏겳⿻겳㘗涸佞䢀䏞莅㻤叆佪桧⢵렽⺑⥃ꦖⰗ琎噲涮㢵⯋⥃ꥻ㘗⥃ꦖ㉂ㅷ䧴ⶾ倞剪堥ⵖ罜⥃ꦖⰗ䥰⨞㥪괐ꦖ䱾盘䪮遯ⵌ⡙莅遤ꌼ䲀䑞䭰糵䒸鹎ⵄ㛇㉂ㅷ⟃⥃䭰畹昰㻜⸂⟃怏駈爢剚㣐滞⛓宠

Perspectives

⥃ꦖ猰䪮涸涮㾝莅湌盘䜂䜂湱ꡠ㥶⡦䒊用傂痘ざ湌盘銴宠⿶痘ざ⥃ꦖⶾ倞⾲涸⥃ꦖ猰䪮欰䢀禺窡

佟䏎㖈렽⺑噠罏䫏Ⰵꆄ輑猰䪮ⶾ倞⿻灇涮⥃ꦖ㉂ㅷ䲀⥃ꦖ噠鱲㘗涸ず儘❠갭罌ꆀ⥃ꦖ猰䪮涸湌盘堥ⵖ⥃ꦖ湱ꡠ涸岁鋊⟃⿻湌盘堥ⵖ㼟䕧갠⥃ꦖ䋑㜥涸涮㾝⿻⥃ꦖ猰䪮䨾腋涮㾝涸欴ㅷⰉ㺂㔔姽湌盘堥ⵖ갭黠殹涸锅黠莅⥜姻⟃⥃ꥻ䋑㜥涸⨴⚛ず儘⼿⸔⥃ꦖ猰䪮涸ⶾ倞涮㾝鿈ⴕ⥃ꦖ䋑㜥鯱佞涸㕜㹻鿪姻琎噲鹎遤⥃ꦖ猰䪮莅侸⡙ꆄ輑穡ざⶾ鸤刿㢵ⶾ倞剪垸䒭⚛䒊用㼩䥰涸湌盘堥ⵖ搭罜ぐ㕜⥃ꦖ湌椚岁鋊♶ず䲀ⴀ涸⥃ꦖ猰䪮鿪剤䨾♶ず䒊陾⚺盘堥ꡠ〳㷸绢莅罌㕜㢫涸⡲岁⚛㔔㖒ⵖ㹆涸锅侮⟃痘ざ㖈㖒⻋

Perspectives

89Q u e s t i o n

90Q u e s t i o n


⥃ꦖ猰䪮 | 123

With the improvement o f techno logy, how can the regulatory authority and the operators work together to help open up innovat ive insurance products to meet more people?

Perspectives

With the continuous changes in society, economy, and technology, the public has also created new insurance needs. However, some of the current foreign innovative insurance products or service models are not yet available in Taiwan. Regulatory authorities should continue to open up ad improve their attitude towards innovative insurance products and review efficiency to encourage insurance companies to actively develop multiple-protection insurance products or innovative service mechanisms. Insurance companies should do a better job in technology and marketing promotion, as well as introduce niche products to maintain competitive strength and meet the general public.

The deve lopment o f insurance techno logy comes hand in hand wi th regulations. How can we establish an insurance technology ecosystem that meets both regulatory requirements and insurance innovation principles?

Perspectives

While encouraging the part ic ipants to invest in F inTech innovation and research and development of insurance commodities to promote the transformation of the insurance industry, the government must also consider the supervision mechanism of insurance technology. Insurance-related regulat ions and regulatory mechanisms wi l l affect the development of the insurance market and the product content that insurance technology can develop. Therefore, the regulatory mechanism must be appropriately adjusted and revised to protect the sound market and at the same time assist the innovation and development of insurance technology. Some countries with more open insurance markets are actively integrating insurance technology with digital finance to create more innovative service models and establish corresponding regulatory mechanisms. However, different countries have different insurance supervision regulations and different insurance technologies. It is recommended that the competent authorities can learn and refer to foreign practices and adjust them according to local conditions to suit localization.

89Q u e s t i o n

90Q u e s t i o n


This discusses how to effectively provide f inancial services to al l social groups, especial ly economically disadvantaged groups, as well as how to provide financial service schemes and safeguards. There are 10 issues in this topic, focusing on how to improve the financial service environment for vulnerable groups and implement f inancial inclusion, the operation mode management of new-type services, the opening of credit rat ing information, and how the government can assist startups in growth and solving operational problems.

鎣锸㥶⡦剤佪涸腋捀爢剚䨾剤ꥣ㾵ㄤ纈滞䲿⣘ꆄ輑剪暶ⴽ僽ꆄ輑䓳纈넓䲿⣘ꆄ輑剪涸䙼笞倰呪ㄤ⥃ꥻ䲃倷瘞劥ぢⰟ剤 10 겗 ꅾ럊⺫䭍 : 㥶⡦佖㊥䓳停纈涸ꆄ輑剪橇㞯衆㻜兜䟃ꆄ輑倞㘗䢀剪涸斊麌垸䒭盘椚⟃⿻⥌欽鐱瘞须鎝佞佟䏎㥶⡦⼿⸔倞ⶾ⟱噠䧭鍑对斊麌㉏겗

8 兜䟃ꆄ輑Inclusive Finance


8

ꆄ輑耢ざ䗚⥌涸괐ꦖ鐱⠮垦彋䥰鑪♧荞Ⱖ剪㼩韍♶䥰僽ꆄ輑噠罏罜僽䨾剤䲿⣘ꆄ輑剪涸噠罏鿪䥰鑪ず儘罌䣂

植遤嶋顥罏蕰銴莅ꋓ遤顡妵ꋓ遤剚ぢꆄ輑耢ざ䗚⥌⚥䗱锅ꠗ嶋顥罏涸⦶顡朜屣⿻⥌欽须俲⟃鎙皿嶋顥罏涸⥌欽鐱ⴕ鹎罜䲿⣘顡妵겙䏞ⵄ桧瘞哭⟝⡎♧菛字⦶顡⟃⿻ P2P ⦶顡䎂〵䲿⣘涸顡妵须俲⚛搂莅ꆄ輑耢ざ䗚⥌⚥䗱⚮耢㔔姽蕰嶋顥罏剎剤涮欰麬秉✲⟝ (㥶劢䭾秉㹁粿妵Ⱘタ䌙私ꏗ )ꆄ輑猰䪮噠罏搂岁湬䱺歋ꆄ輑耢ざ䗚⥌⚥䗱䲿⣘涸须鎝叆鑉湱ꡠ私ꏗ䋑㜥欴欰タ䌙괐ꦖ涸堥桧剚䲿넞㔔姽䒊陾⚺盘堥ꡠ㼩倴䗚⥌괐ꦖ鐱⠮垦彋䥰鑪♧荞㼟䨾剤䲿⣘ꆄ輑剪涸噠罏鿪䥰鑪ず儘Ⰵ罌䣂

Perspectives

鿈ⴕ⫄窡涸ꆄ輑剪剤♧㹁哭⟝ꣳⵖ佟䏎㥶⡦⼿⸔ⶾ倞ꆄ輑猰䪮剪佖㊥植剤涸⥌欽盘椚⟃⿻橇㞯哭⟝

⫄窡涸ꆄ輑剪剤♧㹁哭⟝ꣳⵖ⢿㥶⦶顡佞妵㼩倴䓳停纈〳腋㔔捀來肬须彂♶駈䧴緄⛘⥌欽來肬㼬荞䖕糵涸⥌欽哭⟝♶⢕搂駈㣁须鎝鹎遤䗚⥌㻤呍莅⥌欽鐱⠮剓䖕ꨈ⟃《䖤ꋓ遤䲿⣘涸⦶顡剪佟䏎㥶⡦佖㊥植剤涸⥌欽盘椚넓禺⟃⿻䩧鸤㊥葻橇㞯雊䓳停纈《䖤䨾⛓ꆄ輑剪 ? 鼚⯝䓳停纈捀鍑对须ꆄ宠鄄鶗鱲ぢ㖒♴넞괐ꦖ涸字⦶顡剪罜遥欰䖕糵爢剚㉏겗

Perspectives

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兜䟃ꆄ輑 | 127

The risk assessment criteria of the Joint C re d i t I n fo rm a t i o n C e n te r s h o u l d b e consistent, and the service target should not only be the financial industry, but all financial services providers.

Perspectives

If current consumers want to take a loan from banks, banks will review the consumer 's loan status and credit information from the Joint Credit Information Center to calculate the consumer's credit score to provide conditions such as loan amount and interest rate. However, general private lending and loan information provided by P2P lending platforms cannot be connected with the Joint Credit Information Center. Therefore, if consumers have defaulted in the past (such as not paying according to the agreement, with bad debt records) etc., the FinTech companies cannot directly query the relevant information from the information provided by Joint Credit Information Center, and the probability of generating bad debt in market will increase. Therefore, it is recommended that the regulatory authority's credit risk assessment standards should be consistent, and all providers of financial services should be considered at the same time.

Some traditional financial services have certain restrictions. How can the government assist innovative financial technology services to improve existing credit management and environmental conditions?

Perspectives

Many current financial services have certain restrictions, such as lending and loans. For vulnerable groups, due to insufficient educational resources and lack of credit education, the subsequent credit conditions are not good. There is not enough information for credit review and credit evaluation. Finally, it is difficult to obtain a bank Loan service. The government should improve the existing credit system and create a kind environment where disadvantaged groups can obtain the financial services they need, preventing them from being forced to turn to underground high-risk private loan services to solve the financing needs and subsequent social problems.

91Q u e s t i o n

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8

㼩倴搂岁갫ⵄ《䖤ꆄ輑堥圓䲿⣘涸欴ㅷ莅剪涸停纈⚺盘堥ꡠ㥶⡦鍑对Ⱖ搂䨾䖤阮僈⿻二⥃ㅷ⥃ꥻ⛓㔮仠 ?

⫄窡ꋓ遤䮋鼇㹐䨩剤Ⱖ壋ꣳⵖ鏪㢵嶋顥罏搂岁갫ⵄ《䖤ꆄ輑堥圓䲿⣘涸欴ㅷ莅剪搂岁ㄤꋓ遤䖃⢵涸停纈岌䭸搂岁⢪欽ꋓ遤剪涸⦐➃䧴僽⟱噠佟䏎鑪㥶⡦⼿⸔➮⦛鍑对搂岁《䖤䨾䖤阮僈䧴僽尝剤二⥃ㅷ⥃ꥻ涸㉏겗䒊陾䥰⟃⼿⸔Ⱖ䲿⣘ꆄ輑堥圓鹎遤⥌欽鐱⠮涸须俲갫ⵄ《䖤ꆄ輑堥圓䲿⣘涸欴ㅷ莅剪捀湡垦⡜搂岁ㄤꋓ遤䖃⢵涸➃侸

Perspectives

ꡠ倴⨋ꀀ㖒⼦莅⾲⡞字停纈佟䏎㋲⡙㥶⡦⼿⸔《䖤葻㥪涸ꆄ輑剪⿻欴ㅷ须鎝⟃麨兜䟃ꆄ輑⛓湡涸

兜䟃ꆄ輑僽䭸♧⦐腋剤佪涸捀爢剚䨾剤ꥣ㾵ㄤ纈滞䲿⣘剪涸ꆄ輑넓禺罜ꆄ輑猰䪮涸涮㾝㢵⟃鿪剚⼦㉂停捀⚺⸂涮㾝㹐纈Ⱇ鿈㥶⡦焷⥃⨋ꀀ㖒⼦莅⾲⡞字停纈《䖤葻㥪涸ꆄ輑剪⿻䧴欴ㅷ须鎝♶㔔倞㘗䢀涸剪罜鄄鼹箔⻋〳や鷴麕侸⡙酤縨⿻堥圓涸鏤用腋⢪Ⱖ❧剤ㄤ䋑⼦♧荞⚂搂簧涸ꆄ輑剪⚛鷴麕䲿⼮來肬橇㞯须彂來㼬姻焷涸ꆄ輑濼陏莅遤捀麨ⵌ雊嫦⦐➃鿪腋䎂瘞⚂ꦑ儘ꦑ㖒〳《䖤䥰鑪剤涸兜䟃ꆄ輑湡涸

Perspectives

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兜䟃ꆄ輑 | 129

F o r g r o u p s t h a t c a n n o t s u c c e s s f u l l y obtain the products and services provided by f inanc ia l i ns t i tu t ions , how can the regulatory authori ty so lve the problem of them not having proof of income and guarantee of collateral?

Perspectives

Tradit ional banks have their thresholds for screening customers, and more and more consumers are unable to successfully access products and services provided by financial institutions. These groups generally refer to individuals or enterprises that cannot use banking services. How can the government help them solve the problem of not being able to obtain proof of income or lack of guarantee of collateral? It is recommended that the aim should be to provide information for credit evaluations to obtain products and services from financial institutions successfully and reduce the number of ethnic groups unable to communicate with banks.

Regarding groups in rural areas and indigenous ethnic groups, how can government units assist in obtaining good financial services and product information for the purpose of inclusive finance?

Perspectives

Inclusive finance refers to a financial system that can effectively provide services to all classes and people of society, while the development of FinTech mostly focuses on the development of customer groups in metropolitan areas and business communities. Government should think about how to help rural and indigenous groups obtain good financial services and/or product information. Whether through the establishment of digital devices and institutions, groups in rural areas and indigenous groups should be able to enjoy consistent and seamless financial services similar to those in urban areas; by improving educational environment resources and teaching correct financial knowledge and behavior, so that everyone can be equal to obtain financial service anytime and anywhere to reach inclusive finance.

93Q u e s t i o n

94Q u e s t i o n


8

ꆄ輑猰䪮涸涮㾝䧴鏤鎙㢵⟃䎃鰋➃捀ⴀ涮佟䏎僽や⛳䥰岤ꅾ䎃罏⿻魨䗱ꥻ燘停纈涸奚渤

植遤ꆄ輑猰䪮涸⢪欽罏⟃㡭䎃➃捀⚺Ⱖ㉂ㅷ䧴剪鏤鎙⫦䖰♧菛➃錬䏞ⴀ涮欩㼱罌䣂䎃罏⿻魨䗱ꥻ燘停纈㖈⢪欽♳涸♶⤑♶擿䜫䧴搂岁乽⡲侸⡙䊨Ⱘ涸停纈鯱♶僒「䟃倴ꆄ輑猰䪮䨾䲿⣘涸倞㘗䢀剪佟䏎莅ꆄ輑堥圓⛳䥰岤ꅾ鑪停纈涸奚渤⢿㥶銴宠⸈䓽炽넓鏤倷涸䒊縨刿㊥涸✽倰䒭聃⸂鋕⸂⿻乽⡲♳涸暶ⴽ⼿⸔⟃⿻䲀ⴀ黠ざ涸㉂ㅷ剪⟃䲀兜䟃ꆄ輑捀湡垦䩧鸤♧㤛倰⡙涸䙼笞暶ⴽ僽捀䓳纈넓䲿⣘ꆄ輑剪倰呪ㄤ⥃ꥻ䲃倷

Perspectives

⚺盘堥ꡠ僽や〳⟃锅侮⥌欽鐱瘞堥圓涸剪⿻⢪欽㼩韍⟃䒊用刿㸤㊥涸⥌欽鐱瘞须俲䏨

湡竤⚺盘堥ꡠ钢〳⛓⥌欽鐱瘞堥圓⫦㼩倴չꆄ輑堥圓剤剪涸⦐➃䧴Ⱇպ䲿⣘剪㥶卓䎂儘尝剤ㄤꆄ輑堥圓䖃⢵㼟剚鄄䱖ꤑ㖈⥌鐱⛓㢫䧭捀⥌欽㼭涯⟃荛倴搂岁《䖤Ⱖ➮ꆄ輑剪隶䧭兜䟃ꆄ輑䲀涸♧麥꣖⸂噠罏銴䬪㾝鑪停纈噠儘괐ꦖ⛳剚䲿넞⚺盘堥ꡠ䥰⸈鸠侸亙涸佞鷴麕须俲⚮䱺侮ざⰗ鿈刿㢵ꬌ⫄窡ꆄ輑须俲⢿㥶玅私ꏗ鮦硃私ꏗ⨴⥃鋊顥粿秝私ꏗ瘞⡲捀⥌欽鐱瘞罌㟞⸈⥌欽鐱瘞堥圓涸剪㼩韍䒊用刿㸤㊥莅㸤侮涸⥌欽鐱瘞须俲䏨⼿⸔刿㢵㹐纈栽䖤⦶顡莅佅➰瘞ꆄ輑剪

Perspectives

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兜䟃ꆄ輑 | 131

The development or design of FinTech is mostly based on young people. How can the government pay better attention to the rights of the elderly and people with disabilities?

Perspectives

Currently, the development of FinTech is mostly targeted towards young people, and the design of its products or services is focused on the perspective of the average person. It does not consider the inconvenience of the elderly and the handicapped and mobility challenged groups at the same time. Those who are unfamiliar with or unable to operate digital tools are less susceptible benefited from the new services provided by FinTech. Governments and financial institutions should also pay attention to the rights and interests of this group, such as requesting the establishment of hardware facilities, more friendly interaction methods, special assistance in hearing and operation, and the introduction of suitable products to promote the goal of inclusive finance, schemes, and safeguards to provide financial services to all members of society, especially financially disadvantaged groups.

Is it possible to adjust the service targets of credit rating agencies and establish a more complete credit rating database?

Perspectives

At present, the credit rating agencies approved by the regulatory authority only provide services to "individuals or companies served by financial institutions". If they do not normally interact with financial institutions, they will be excluded from the credit rating and become credit novice. Obtaining other financial services has become a resistance to the promotion of inclusive finance, and the risk will increase when operators want to expand the business of this ethnic group. Authorities should speed up the opening of data and integrate more non-traditional financial information in the public sector, such as tax records, vehicle registration records, labor and health insurance, fee payment records, etc., through digital data tandem as a reference for credit rating. They should also increase the service target of credit rating agencies, establish a more complete credit rating database, and help more customers get financial services, such as lending and payment.

95Q u e s t i o n

96Q u e s t i o n


8

㥶⡦鷴麕ꆄ輑猰䪮涸佖㊥⢪Ⱇ渤䯪妵涸麕玑鷴僈⻋须鎝䳷ꪫ䖤刿幢嘽⟃䲿넞䯪妵䠑격莅⢪欽佪桧

䖰䪮遯⢵溏⫄窡Ⱇ渤䯪妵崩玑⚛♶鷴僈ꨈ⟃陏ⴽ妵갪僽や⡲捀㻜颶Ⱇ渤欽鸁㥶⡦鷴麕ꆄ輑猰䪮涸佖㊥雊Ⱇ渤䯪妵麕玑鷴僈⻋涸椚䟝〳腋㻜植⢿㥶鷴麕⼦㝆ꕖ䒊用莅㛂遤兰䢵ざ秉雊嫦♧瘘䯪妵涸儘ꆄ겙莅欽鸁瘞须鎝鿪〳⟃鄄鷆髠䯪妵➃腋鷴麕笪騟湬䱺鷆髠ꆄ崩崩ぢ焷钢须ꆄ僽や剤鄄㧇㊥麌欽䲿⣘窍溫姻銴鄄佹⸔涸㼩韍♳ず儘⛳〳⟃焷钢须ꆄ⢵彂鼚⯝剤峤ꐏⵖ涸毠䣂ⴀ植

Perspectives

湡㼩倴纈滞须䎂〵⿻遤捀㼿搂㼠㿂岁䖒鋊眕鹎遤盘椚佟䏎僽や䥰⼿⸔纈滞须䎂〵䒊用♧㤛湱ꡠ涸盘椚堥ⵖ

湡㼩倴纈滞须䎂〵⿻遤捀㼿搂㼠㿂岁䖒鋊眕鹎遤盘椚捀✫鼚⯝黩湱ꡠ⚺盘堥ꡠ钢㹁僽佐「㶸妵䧴ꆄ遤捀罜剤麬ꋓ遤岁䧴阮ⵚ❜僒岁涸㉏겗佦㢵侸➠搭⟃䯪飨㘗莅㔐꺈㘗⛓纈捀⚺蕰剤嶍⿻Ⱇ渤湱ꡠ呪⟝⫦腋罌Ⱇ渤⺘哭⢿⡎Ⰹ㺂❠剤垸祎♶僈焷⛓贖歋倴纈滞须呪⟝䚍颶㢵⯋ꨈ⟃对㹁⚺盘堥ꡠ䒊陾佟䏎䥰鹎遤騗鿈剚涸鎣锸ꡠ倴兰䢵頿欴奚嶋顥罏⥃隌䑞デ♶㻜飨莅玅瘞陾겗灇亼湱ꡠ涸盘椚堥ⵖ㼟岁鋊披蒀瑠⨞ⴀ幢嘽涸㹁纏⟃焷⥃䎂〵腋乩剤ざ岁麌⡲涸瑠

Perspectives

97Q u e s t i o n

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兜䟃ꆄ輑 | 133

How can the process o f publ ic wel fare donations be made more transparent and information disclosed more clearly through the improvement of financial technology to i n c re a s e d o n a t i o n w i l l i n g n e s s a n d efficiency?

Perspectives

From a technical point of view, the traditional public welfare donation process is opaque, and it is difficult to identify whether the money is used for substantive public welfare purposes. However, with the development of blockchain technology, the ideal of transparent public welfare donation processes in the future may be realized. Through the establishment and execution of smart contracts and blockchain, information such as the time and amount of each donation and its use can be tracked. Donors can directly track the flow of donation through the Internet to confirm whether the donation is used properly and given to those who really need. At the same time, you can also confirm the source of the funds to avoid doubts about money laundering.

At present, there is no exclusive legal regulation on crowdfunding platforms and behaviors. Should the government assist the crowdfunding platforms to establish a set of related management mechanisms?

Perspectives

At present, there are no exclusive laws and regulations governing crowdfunding platforms and behaviors. In order to avoid problems that the relevant regulatory authorities consider to be illegal fund-raising activities and breach of The Banking Act of The Republic of China or Securities and Exchange Act, most of crowdfunding activities are still on the basis of donations and rewards. If there are public welfare related cases, you can only refer to the regulations of Charity Donations Destined For Social Welfare Funds Implementation Regulations, but the content is ambiguous. Due to the diverse nature of crowdfunding cases, it is difficult to determine which regulatory authority to turn to. It is recommended that government departments should conduct cross-ministerial discussions to discuss whether to establish related management mechanisms on intellectual property rights, consumer protection, false advertising, gift tax and other issues and clearly define the legal gray area to ensure that the platform can have a legal operation space.

97Q u e s t i o n

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8

鏪㢵䗏㘗䧴倞ⶾ⟱噠頿䧴ꬌ頿涸须鎝鯱捀緄⛘僽や剤刿㥪涸倰岁⼿⸔《䖤ꆄ輑剪

〵抓僽⟃⚥㼭⟱噠捀⚺涸㽠噠䋑㜥搭罜鏪㢵䗏㘗䧴倞ⶾ⟱噠㔔頿䧴ꬌ頿涸须鎝鯱捀緄⛘ꨈ⟃ぢꋓ遤《䖤ꆄ輑剪㽠皿剤须俲⡎Ⱖ姻焷䚍⿻〳ꬒ䏞Ⱇ⥌⸂♶駈鸤䧭ꋓ遤⦶顡⿻⟱噠顬僒涸♶⥌⟤⚺盘堥ꡠ僽や剤刿㥪涸倰岁⼿⸔䗏㘗䧴倞ⶾ⟱噠《䖤ꆄ輑剪⟃⨴⚛䲿⼮⟱噠頿须鎝〳⥌䏞捀湡垦⛳䥰⸈鸠鎎㹁湱ꡠ佞须俲佟瘼䲿⼮ꆄ輑猰䪮噠罏《䖤ꬌ⫄窡⥌欽须鎝⢿㥶頿欴䨾䖤宐檳倛粿顥爢纈㯯넓⥌瘞私ꏗ⚛䥰欽荛⥌欽鐱ⴕ禺窡雊ꆄ輑猰䪮噠罏⽰儘《䖤剤ⵄⴼ倬⛓⸈⛨须鎝⟃㟞⸈䗏㘗䧴倞ⶾ⟱噠《䖤輑须涸堥剚

Perspectives

ꆄ輑猰䪮莅岁⟂鋊眕㥶⡦⼿⸔䗏㼭䧴倞ⶾ⟱噠鍑对䫼䬃⿻二⥃ㅷ♶駈涸㉏겗 ?

ꆄ輑堥圓㖈捀♧菛⟱噠䲿⣘顡妵儘兜麒䱰欽䫼䬃莅二⥃倰䒭搭罜䗏㘗䧴倞ⶾ⟱噠♶僒䲿ⴀꋓ遤銴宠涸䫼䬃莅二⥃갪湡ꋓ遤堥圓❠㔔须俲♶駈♶격䠑䪭二⥌欽괐ꦖ罜䬩穪Ⱖ輑须宠㼬荞⚥㼭⟱噠《䖤輑须剪鯱捀♶僒僽や腋麌欽ꆄ輑猰䪮涸䪮遯涮㾝⟱噠ⶾ倞輑须垸䒭⢿㥶鷴麕暟耢笪莅㣐侸亙涮㾝㢵⯋涸⥌欽鐱⠮垸㘗ⴕ區⟱噠植ꆄ崩须鎝欽⟃鐱⠮⦶妵腋⸂莅鼩妵괐ꦖ鹎罜⡜䱇⥌䧭劥莅麬秉괐ꦖ䲿⼮ꆄ輑堥圓䲿⣘輑须剪涸䠑격⚺盘堥ꡠ⛳〳罌Ⱖ➮㕜㹻呪⢿佞㥶兰䢵頿欴䧴罏Ⱖ➮欴갪湡⨞捀輑须二⥃⛓갪湡⢪䖤䗏㘗䧴倞ⶾ⟱噠硁须剤刿㢵涸⣜亙莅〳腋

Perspectives

99Q u e s t i o n

100Q u e s t i o n


兜䟃ꆄ輑 | 135

Many small companies and new startups lack financial or non-financial information. Is there a better way to ass ist them in obtaining financial services?

Perspectives

Taiwan is a job market dominated by small and medium-sized enterprises. However, many small or start-up companies have difficulty in obtaining financial services from banks due to the lack of financial or non-financial information. Even if the information is accurate and reliable, the credibility is insufficient, creating bank loan and corporate trade mistrust. Does the regulatory authority have a better way to assist small or start-up companies in obtaining financial services, with the goal of improving credibility of financial information for enterprises? It should also speed up the formulation of relevant open data policies to enhance financial institutions to obtain non-traditional credit information, such as property income, gas and water bill payment, social media, telecommunications and other records) and apply it to the credit scoring system, so that FinTech operators can obtain extra information for favorable judgments to increase the chances of financing for small or start-up companies.

How can FinTech and legal regulations help small or start-up companies solve the problem of insufficient mortgages and collateral?

Perspectives

Financial institutions generally use mortgages and guarantees to provide loans to general enterprises. However, it is not easy for small or start-up companies to provide mortgages or guarantees required by banks. Banking institutions also refuse to meet their financing needs due to insufficient data and are unwilling to assume credit risk. It is relatively difficult for SMEs to obtain financing services from financial institutions. Perhaps it is possible to use FinTech to develop innovative financing models for enterprises, for example, through the Internet of Things and Big Data, to develop multiple credit evaluation models and analyze corporate cash flow information to assess SMEs' borrowing capacity and repayment risk and reduce the credit cost and default risk of SMEs, and boost the willingness of financing services from financial institutions. Regulatory authorities may also refer to cases in other countries in terms of open data such as intellectual property or other movable property as financing guarantees, so that small companies and startups have more bases and possibilities for financing.

99Q u e s t i o n

100Q u e s t i o n


⟝10 0 ㉏겗籏邍程䒸

AppendixIndex Table of Top

10 0 Questions


100 ㉏겗籏邍程䒸 갤侸겗湡侃鶤圓

2 024佟䏎㥶⡦侮ざ㸽倰莅字涸⸂ꆀ鷴麕ⶾ倞㷱⻋㐼⸈鸠㐼瘞鰊㼬须彂䪜嗃刿㢵⯋涸ꆄ輑猰䪮ⶾ倞噠罏䧭 ?How can the government support the growth of diverse FinTech innovators through innovation incubators and accelerators?

8 032植遤 KYC 䨾湱ꡠ뀿阮䊨Ⱘ魨ⴕ阮僈俒⟝⿻增뀿崩玑㥶⡦㖈㸞莅嶋顥罏⤑ⵄ⛓《䖤䎂邂How does the relevant verification tools, identity documents, and inspection process required by the current KYC strike a balance between safety and convenience for consumers?

4 026〵抓涸⦐➃须俲⥃隌岁娜竤㢵妄⥜佖莅锅侮字滞㼩倴荈䊹涸奚ⵄ♶欩✫鍑⚺盘堥ꡠ㥶⡦㔔䥰⚛鹎遤䲀䑞莅來肬Personal Data Act in Taiwan has been revised and adjusted several times. How can the regulatory authority carry out promotion and education?

6 028㼩ぐ䒭倞莇猰䪮陾겗佟䏎僽や〳⟃莅字倞ⶾ噠罏䒊用♧⦐㔿㹁涸彘鸒䎂〵䧴盘麥雊꧱倰Ⱏず鎣锸㉏겗莅鍑对倰䒭雊岁ⵖ鋊眕莅ⶾ倞涮㾝《䖤䎂邂 ?F a c i n g e m e r g i n g t e c h n o l o g y i s s u e s , h o w d o e s t h e g o v e r n m e n t e s t a b l i s h communication platforms and control service mechanisms for private startups?

3 026劢⢵字滞〳⢪侸⡙魨ⴕ阮䘰鸠䱺崡佟䏎鿈湱ꡠ噠莅须俲僽や⛳䥰ず儘䲀㕜鸒遤⛓侸⡙钢阮堥ⵖ窡♧⡲噠倰䒭ㄤ钢阮䊨Ⱘ⚛麌欽荛ꆄ輑猰䪮剪⟃幾㼱ぐ㹻噠罏ぐ荈捀佟In the future, the public can use the government-issued digital ID to quickly access relevant government businesses and information. Perhaps it is also necessary to promote a nationwide digital authentication mechanism, confirm a unified operating method and authentication tools, and apply it to FinTech services, so as to reduce the number of individual companies using their own certificates or authentication methods.

9 034佟䏎僽や〳⟃䓽⻋嶋顥罏涸⦐➃须俲䱍䳣奚诔歋鷴僈⻋涸堥ⵖ〳⟃雊嶋顥罏叆鑉⦐➃须俲涸崩ぢCan the government strengthen the control of consumers' personal data, and allow them to inquire about the flow of personal data through a transparent mechanism?

5 028嶋顥罏须俲奚佞ꋓ遤湱ꡠ䲃倷盘椚㼿劢用岁湡➠歋ꆄ輑噠罏㋲ぢ鎎㹁鋊㥶⡦焷⥃溫姻麨䧭⤛鹎须俲涸荈歋崩鸒㼤ꅾ嶋顥罏䠑䘋Consumer data rights and management of open banking related measures have not yet been legislated. At present, financial institutions still dominate and stipulate regulations. How can we ensure that the free flow of data is truly promoted and the will of consumers is respected?

1 024ꆄ輑猰䪮噠涸⚺盘堥ꡠ㼿劢僈㹁蕰腋僈焷⚺盘堥ꡠ刿〳⸈鸠䲀湱ꡠꂂ㤛涮㾝䲃倷⟃⿻䗳銴涸盘椚⾲The regulatory authority of the FinTech industry has not yet been clarified. If it can be clarified, relevant supporting measures and necessary management principles can be promoted more rapidly.

Ⱏず鎣锸陾겗Topics of Joint Discussion

KYC魨ⴕ钢阮KYC IdentityAuthentication

7 032嶋顥罏鳵椚ꆄ輑剪儘ぐ㹻噠罏涸魨ⴕ뀿阮堥ⵖ罳儘⚂♶窡♧僽や〳歋佟䏎窡♧鹎遤须俲侮ざ⿻뀿阮涸堥ⵖ䲀䑞 ?⢿㥶䒸欽侸⡙魨ⴕ阮⢪嶋顥罏♶䗳盘椚麕㢵䤊阮䧴㺙焺䲿⼮⤑ⵄ䚍When consumers handle financial services, the identity verification mechanism of each business operator is time-consuming and not universal. Can the government promote the mechanism of data integration and verification in a unified manner? For example, fully implementing digital ID cards so that consumers do not have to manage too many passwords?


程䒸 | 139

갤侸겗湡侃鶤圓10 034佟䏎㋲⡙僽や䥰䧭用㼠顑涸⦐➃须俲⥃隌⚺盘堥ꡠ鹎遤湱ꡠ騗鿈噠涸侮ざ⿻盘椚麨ⵌ佟瘼涸♧荞䚍⟃⿻幾㼱须彂嵠顥

Should a government establish a personal data protection authority to integrate and manage related cross-departmental businesses to achieve policy consistency and reduce resource waste?

12 036㛇倴侮넓䋑㜥괐ꦖ䱾盘僽や〳⟃佞栽䖤钢阮䱇奚涸ꆄ輑猰䪮噠罏叆鑉嶋顥罏殆㶸倴ꆄ輑耢ざ䗚⥌⚥䗱涸须俲⟃⿻⥌欽鐱瘞私ꏗBased on overall market risk control, is it possible to open authentication and authorization for FinTech companies to inquire about the information and credit rating records that consumers have left in the Joint Credit Information Center?

16 040ⵄ欽➃茁䧴䭸秙鳺陏涸魨ⴕ뀿阮䪮遯鷷恸䧭擿⡎⛳ⴀ植月⦐➃ꦡ猙毠䣂湡岁鋊⿻⚺盘堥ꡠ僽や㼩倴姽䪮遯麌欽㹁ⴀ僈焷鋊眕While face and fingerprint identity verification technology is gradually maturing, there are doubts about Personal Data Protection Act breaches. Do the current regulations and authorities set clear specifications for the use of this technology?

11 036ꧪ搭⚺盘堥ꡠ䊺剤鋊㹁蕰嶋顥罏邍僈䬩穪糒糵䱺ⵌ遤ꌼ鎝䜂噠罏䥰用⽰⨢姺⡎㻜ꥹ♳麕䏞遤ꌼ涸䞕屣➠䌢剚涮欰僽や剤刿㸤㊥涸⨞岁After the financial operator obtains personal data, it often brings in excessive marketing. Can the regulatory authority propose a better approach?

14 038湡涸ぐ㹻ꆄ輑堥圓须俲䏨尝剤⚮耢佟䏎㥶⡦鍑对字滞隶刿⦐➃须俲儘涸♶⤑⟃⿻噠罏须俲劢腋⿻儘刿倞涸瑠璭劍㉏겗At present, the databases of various financial institutions are not connected in series. How does the government solve the public 's inconvenience when changing their personal data as well as regarding the problem of the period in which the participants' information is not updated in time?

13 038噠罏⢪欽涸䪮遯♶倬䲀ⴀ倞㼩倴ぐ珏ⶾ倞䪮遯涸涮㾝⚺盘堥ꡠ僽や腋剤⽰儘⚂㼩䥰涸鋊眕䧴盘椚鳵岁 ?Can the competent authority have corresponding regulations or management methods for the development of various innovative technologies?

17 042KYC 䲿⣘鏪㢵㻤叆俒⟝㥶⡦诔歋佞湱ꡠ须俲䏨⼿⸔嶋顥罏幾㼱彋⪔湱ꡠ须俲涸玑䎸 ?KYC needs to provide a lot of review documents. How can we help consumers reduce the procedures for preparing related materials by opening relevant databases?

18 042⼦㝆ꕖ䓽锅⼣そ䚍⿻⚥䗱⻋暶蒀涸䪮遯麌欽莅 KYC 涸㻤叆礶牟剤䨾遼瑳㼩倴湱ꡠ欴ㅷ䧴剪鑪㥶⡦衆㻜 KYC Blockchain emphasizes anonymity and the use of decentralized technology, which conflicts with the spirit of KYC's review. how should KYC policies for block-chain related products or services be implemented?

19 044㥶⡦雊䲿⣘ꆄ輑剪涸湱ꡠ噠罏腋㣁⽰儘⚂剤佪涸䱍䳣㹐䨩须俲殯涸䞕屣⟃⤑剤佪涸䱾ⵖ괐ꦖ ?How can the relevant providers of financial services be able to immediately and effectively grasp the changes in customer information in order to effectively control risks?

15 040㼩倴 KYC 籗榹涸姿끐㹐䨩䌢剚剤♶罣撖涸耫갉噠罏僽や䥰㊥湈莅㹐䨩涸顑⟤⟃㟞⸈嶋顥罏㼩倴 KYC뀿阮麕玑涸⥌⟤Whether service providers should fulfill the responsibility of communicating with customers to increase consumers' trust in the KYC verification process?


갤侸겗湡侃鶤圓

25 050㣐겙佅➰⿻㼭겙佅➰僽や剤ꣳ㹁ꆄ겙⛓垦彋ꆚ㼩♶ず噠Ⰹ㺂⿻⢪欽걽桧⚺盘堥ꡠ㥶⡦鹎遤䊴殯䚍괐ꦖ䱾盘Is there a standard for large and small payment amounts? How does the regulatory authority conduct differential r isk control for different business contexts and frequency of use?

26 052遤佅➰涸涮㾝⚺銴㖈倴佅➰㜥兞涸ⶾ鸤僽や䥰㢵렽⺑⟱噠䧴㉂㹻䲿⣘刿㢵涸嶋顥⢪欽㜥兞㼩倴佟瘼䚍崞⛳䥰鑪銴剤僈焷涸劍鋊ⷔThe development of mobile payment mainly lies in the creation of payment scenarios, should enterprises or merchants be encouraged to provide more consumption usage scenarios? For policy activities, there should also be a clear long-term plan.

27 052蕰麂ⵌ搂岁⢪欽㶩佅➰涸字滞䧴僽暶婌朜屣儘 ( 㣔担⨢搂笪騟 )Ⱖ佅➰涸宠⿻奚ⵄ鑪僽や剚「䕧갠If consumers cannot use electronic payments or there are special circumstances (natural disasters, power outages, no Internet connection), will their payment needs and rights be affected?

28 054ꤑ✫䌢鋅涸獆玅⮛䟃⟃⿻酢⸔佟瘼⟃㢫⚺盘堥ꡠ僽や鼩剤Ⱖ➮涸䲃倷腋䲿⼮⢪欽遤佅➰嫲⢿In addition to the common tax preference and subsidy policies, does the regulatory authority have other measures to boost the proportion of mobile payment?

29 054嶋顥罏⢪欽㶩佅➰儘䗳갭䲿⣘鏪㢵⦐➃须俲僽や〳⟃鷴麕♶ず涸盘䱾䲃倷⢵ꣳⵖ须俲製꧌涸眕㕠⿻儘佪䚍Consumers must provide a lot of personal data when using electronic payments. Is it possible to limit the scope and timeliness of data collection through different control measures?

24 050䋑♳涸佅➰噠罏馊⢵馊㢵㥶⡦⼿⸔嶋顥罏㖈⢪欽㜥兞殹⚥⟃剓剤佪桧涸倰䒭䪪ⵌ剓黠ざ涸佅➰䊨ⰨThere are more and more payment providers in markets; how can we find the most suitable payment tool for consumers in the most efficient way?

30 058劢⢵僽や剚佞刿㢵⯋涸ꆄ輑㉂ㅷ⟃㟞⸈堥㐼➃椚頿涸䫏须㢵⯋䚍䒸刿㢵嶋顥罏⢪欽Will more financial products be opened in the future to increase the investment diversity of Robo-Advisors and attract more consumers?

须劥䋑㜥莅頿㺢盘椚Capital markets and wealth Management

22 048鿈ⴕ嶋顥罏격䠑㢵䪭二♧❉괐ꦖ⢵䳖《佅➰⤑ⵄ䚍⚺盘堥ꡠ㼩倴괐ꦖ䱾盘莅佅➰⤑ⵄ䚍⛓涸《䰎鑪㥶⡦䭭䯨Some consumers are willing to take more risks in exchange for payment convenience. How should the regulatory authority strike a balance between risk control and payment convenience?

23 048ꦑ衽騗㕜䳖䧴騗㞯佅➰涸宠涮㾝佟瘼涸佞莅괐ꦖ䱾盘䙦랃⨞ⵌ刿㥪With the development of cross-border foreign exchange or cross-border payment, how can opening-up policies and risk control be improved?

21 046鿈ⴕ㕜㹻㨥㼩倴侸⡙岁㹁顊䍤琎噲鹎遤鑑뀿⿻䲀䑞〵抓⚺盘堥ꡠ劢⢵僽や剤겳⡂涸佟瘼彋⪔⟃䲿傍㔔䥰Some countries are actively promoting digital fiat currency. Will Taiwan have similar policy preparations in the future to respond early?

20 046㕜Ⰹ㶩佅➰禺窡滞㢵⚂剤騗禺窡獵鱲Ⱏ鸒垦彋侮ざ⟃⿻㕜ꥹ䱺鮨瘞㉏겗鸤䧭嶋顥罏鼇乵莅⢪欽♳涸㔮ꨈ⚺盘堥ꡠ㥶⡦鍑对汥럊⟃麨ⵌ溫姻兜⿻⻋There are many electronic payment systems in China with problems such as cross-system transfer, integration of common standards, and international integration, which causes difficulties for consumers. How can the regulatory authorities solve these pain points to achieve real popularization?

佅➰Payment


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갤侸겗湡侃鶤圓31 058植遤涸椚頿㉂ㅷ剤鏪㢵㼠噠哭俒⿻ꣳⵖ湱ꡠ㜡邍䧴须鎝⛳鯱醳꧹ꨈ䥢㥶⡦腋鷴麕ꆄ輑猰䪮鹎遤⼿⸔矦⻋⟃麨兜䟃ꆄ輑⛓湡涸

The current financial management products are regulated by professional provisions and restrictions, and the related reports or information are also quite complicated. How can FinTech be used to help simplify these for the purpose of inclusive finance?

32 060嫦⦐䫏须➃涸괐ꦖ㿂䚍⿻䗾「䏞♶ず劢⢵阮ⵚ㘗➿䍤涮遤 (STO) 涸湌椚垦彋僽や〳⟃佞㻫렽⺑刿㢵䫏须➃莅Each investor has different risk attributes and different tolerance levels. Can the supervision standards of STO be eased in the future to encourage more investors to participate?

37 064㥶⡦剤佪䲀䑞껷妄➿䍤涮遤 (ICO) ⟃⿻阮ⵚ㘗➿䍤涮遤 (STO)雊倞ⶾ噠罏剤刿㢵⯋涸须盘麥How can we effectively promote the initial token offering (ICO) and the security token offering (STO), so that new entrepreneurs have more diversified funding channels?

33 060贡亼顊䍤⡲捀倞莇硁须䊨Ⱘ〳腋荆黩甦鐧꿋⿻❜僒禾秼瘞㉏겗⚺盘堥ꡠ莅噠罏剤ㆭ❉䲃倷⟃笞隌䫏须➃奚渤As an emerging financing tool, virtual currency may face problems such as theft, fraud, and transaction disputes. What measures does the regulatory authority have to protect investors' rights and interests?

34 062㥶⡦鷴麕岁鋊佞⿻ꆄ輑猰䪮涸㼬Ⰵ⢪须劥䋑㜥涸猰䪮䥰欽⿻侮넓橇㞯Ⱘ⪔㕜ꥹ畹昰⸂How can the appl icat ion of technology in the capita l market and the overal l environment be internationally competitive through the opening up of regulations and the introduction of FinTech?

35 062〵抓须劥䋑㜥⨋ぢ炽넓欴噠僽や♶ⵄ倴倞ⶾ⿻ꆄ輑猰䪮噠罏硁须⛳ꨈ䒸䒸㕜㢫㣐㘗噠罏⢵〵♳䋑Taiwan's capital market is biased towards hardware industries and not conducive towards financing FinTech startups and companies. Is it difficult to attract large foreign companies to list in Taiwan?

36 064馊⢵馊㢵字滞격䠑㎲鑑⢪欽椚頿堥㐼➃涸剪劢⢵蕰佞荈♴㋲⸆腋剤搂⟤⡦ꂂ㤛䲃倷腋㣁⥃隌䫏须➃奚渤More and more people are willing to try the services of Robo-Advisors. If the automatic order placement function is created in the future, will there be any supporting measures to protect the rights and interests of investors?

38 066堥㐼➃椚頿胝䖕怵皿岁䨾ꦡわ涸괐ꦖ鑪㥶⡦鐱⠮僽や剤湱ꡠ䭸垦䧴侸亙〳⟃刿僈焷涸雊⢪欽罏鹎遤嫲鯱How can we evaluate the risks in the algorithm behind Robo-Advisors? Are there relevant indicators or data that can be more clearly compared by users?

39 066㼩倴⢿㥶껷妄❜僒䎂〵涮遤 (IEO) 瘞湱ꡠ倞莇硁须倰岁佟䏎涸佞涸佟瘼僽や䥰鑪刿僈焷⟃⥃隌字滞奚渤莅렽⺑噠罏涮㾝For related emerging fundraising methods such as Initial Exchange Offering (IEO), should the government’s open policy be clearer to protect the rights and interests of the public and encourage the development of businesses?

40 068㥶⡦鷴麕 Open API 涸须鎝ⴕ❧㼟侸亙涸⚺㼬奚鼩窍嶋顥罏䲿⼮阮ⵚ䧴頿㺢盘椚䨩佪桧How can the efficiency of securities or wealth management account opening be improved through Open API information sharing in order to return the leading power of data to consumers?



50 078⚺盘堥ꡠ劍䖊秫笪ꋓ⸈Ⰵⵞ慨植剤ꆄ輑䋑㜥⡎㼩倴劢⢵〳腋涸湌盘陾겗僽や䊺⨞㥪湱ꡠꂂ㤛䲃倷 ?The competent authority expects digital full bank to join in stimulating the existing The regulatory authority expects digital full bank to join in stimulating the existing financial market. Have the relevant corresponding measures been taken for possible future regulatory issues?

46 074Open API 涸佞⤑ⵄ䚍莅⦐➃须俲岁涸㸞⥃隌銴㥶⡦奚邂须鎝堾騗㢵䎂〵莅噠罏⚺盘堥ꡠ僽や剤腋⸂䧴罏堥ⵖ䪪ⴀ㉏겗呏彂⿻䖕糵顑⟤ꆂ幢 How can we strike a balance between the convenience of Open APIs and the security protection of the Personal Data Act? With information across so many platforms and participants, how can the regulatory authority identify the source of the problem and clarify the subsequent responsibility?

47 076鵜劍䫏须贡亼顊䍤欴ㅷ涸倞耂♶倬ⴀ植Ⱖ嶍⿻峤ꐏ屛❜僒㻜そⵖ⿻嶋顥罏⥃隌瘞門㢵陾겗佟䏎㋲⡙涸湱ꡠ湌盘堥ⵖ捀⡦ ? Recent news about investing in virtual currency products is constantly emerging, which involves issues such as money laundering prevention, transaction real-name system, and consumer protection. What is the relevant regulatory mechanism of government units?

48 076⚺盘堥ꡠ㥶⡦䲿⼮侮넓字滞⛓ꆄ輑濼陏宐彋⟃⿻ꆄ輑莅桧 How can the regulatory authority improve the financial literacy level and financial participation rate of the entire population?

49 078ꆄ輑猰䪮涸ⶾ倞涮㾝䌢馄ⴀ植剤岁䖒⛓鋊眕植遤岁鋊僽や腋㢵⟃佞렽⺑ⶾ倞⛓錬䏞鹎遤ⵖ㹁The development of FinTech innovations often exceeds the norms of existing laws. Can the current regulations be formulated with the opening-up perspective of encouraging innovation?

44 072ꦑ衽 Open API 涸鷷姿佞TSP 噠罏涸盘椚垦彋僽や〳⣜嶍Ⰵ噠괐ꦖ鎎㹁♶ず涸ⴕ秹盘椚鋊眕With the opening of the Open API, can the management standards of TSP operators be adjusted according to the business and the risk involved with it?

45 074TSP 噠罏莅ꆄ輑堥圓⛓涸ざ⡲垸䒭莅顑⟤娝㿂㥶⡦ⷔⴕ僽や剚䕧갠ꆄ輑堥圓涮㾝佞ꋓ遤 (Open Banking) 涸䠑격How can we divide the cooperation mode and responsibility between TSP operators and financial institutions? Will it affect the willingness of financial institutions to develop Open Banking?

43 072佟䏎腋や剤刿㢵⤑ⵄ涸㾝爚瑠⣘倞ⶾ噠罏㾝爚✽⢪嶋顥罏〳⟃幀Ⰵ✫鍑湱ꡠ䥰欽䪮遯⿻擿䜫欰崞⢪欽㜥㚖Can the government provide a more convenient display space for startups to show and strengthen interaction with consumers so that they can have a deeper understanding of related application technologies?

頿竤稇귢莅♧菛䚍陾겗Financial Literacy andGeneral Issues

41 070佟䏎㋲⡙㥶⡦䓽⻋⥌欽盘椚涸盘ⵖ莅來肬䲀䑞⟃衆㻜〵抓字滞㼩倴⥌欽盘椚涸钢濼莅⢪欽How can the awareness of credit management in Taiwan be strengthened and implemented into the education system in order to raise awareness for credit management?

42 070䒊陾ꆄ輑⿻來肬涸⚺盘堥ꡠ䥰㼟ꆄ輑㉂ㅷ濼陏涸䲀䑞衆㻜倴ぐꥣ媯來肬铭玑鼚⯝欴欰ꆄ輑遤捀⨋䊴⿻㼩ꆄ輑猰䪮⥌⟤䏞♶㣁⛓䞕䕎The promotion of financial commodities knowledge needs to be implemented by the regulatory authoritiy of finance and education in all levels of education courses to avoid deviations in financial behavior and insufficient trust in financial technology.


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53 082㥶⡦⼿⸔嶋顥罏㖈飑顠ꆄ輑㉂ㅷ䧴剪儘腋㣁刿幢嘽涸✫鍑㉂ㅷⰉ㺂莅麌⡲How can we help consumers better understand the content and operat ion of commodities more clearly when buying financial products or services?

54 084㹐䨩넓뀿⮛⻋僽ꆄ輑噠罏鱲㘗涸ꅾ럊陾겗⛳僽䕧갠㹐䨩鼇乵㉂ㅷ莅剪涸ꡠ꒳럊⚺盘堥ꡠ僽や剤湱ꡠ佟瘼렽⺑噠罏䫏Ⰵ ?Customer experience optimization is a key issue in the transformation of the financial industry transformation. Does the regulatory authority have relevant policies to encourage participants to invest?

56 086ꦑ衽倞莇⚆➿涸⢪欽垸䒭⟃⿻欰崞⡲䜂鱲隶ꆄ輑噠罏鑪㥶⡦䲿⣘刿㥪涸㹐䨩剪 ?As the usage patterns and l ifestyles of emerging generations change, how can financial operators provide better customer service?

57 086嶋顥罏㖈遤酤縨♳⽰〳㸤䧭㣐㢵侸ꆄ輑剪噠罏莅⚺盘堥ꡠ鑪㥶⡦䭰糵⸈䓽遤酤縨涸㸞钢阮⿻갸堥ⵖ ?Consumers can complete most financial services on mobile devices. How can the regulatory authority continue to strengthen the security certification and prevention mechanism of mobile devices?

58 088僽や腋䖰⢪欽罏錬䏞ⴀ涮⼿⸔鏤用ꆄ輑噠⿻㉂ㅷ须鎝涸侮ざ䎂〵 ?Can we help set up an integrated platform for financial business and commodity information from the perspective of users?

59 088䒊陾噠罏⿻⚺盘堥ꡠ㼩倴ꆄ輑噠崩玑䥰䭰糵增鋕㖈䪮遯⿻须㸞鏪〳⛓♴✮⟃⮛⻋⟃ⵄ欽䨩歍锞鳵椚It is recommended that the operators and competent authorities should continue to review and optimize the financial business process to facilitate user application processing.

60 090ꆄ輑⿻倞ⶾ噠罏㥶⡦鷴麕窍✮㹐䨩刿㸤㊥刿涸㈒䖕剪넓뀿⢵笞䭰❜僒⿻㟞⸈㹐䨩✽䖃⢵ꡠ⤚ ?How can f inancial and startups maintain transactions and increase interactive relationships with consumers by providing them with a more comprehensive after-sales service experience?

61 0990佟䏎僽や䥰鑪㢵佅䭰ꆄ輑猰䪮湱ꡠ걆㚖涸锸㠢㾝錒䪮遯❜崩崞䲿⼮字滞㼩倴ꆄ輑猰䪮涸钢陏Should the Government support more forums, exhibitions and technical exchanges in FinTech-related fields to raise public awareness of FinTech?

55 084ꤑ✫⫄窡ꆄ輑噠罏僽や⛳䥰鑪銴宠ꆄ輑猰䪮噠罏宠⯏ⴕ䳷ꪫ㉂ㅷ㤏秉须鎝莅괐ꦖ⟃⥃ꥻ嶋顥罏㸞 ?In addition to traditional financial operators, should FinTech companies also be required to fully disclose commodity contract information and risks in order to protect customers' data?

51 080兰腋ざ秉莅♧菛⫄窡㤏秉♶ず僽や剤僈焷岁⟂钢〳兰腋ざ秉⿻⼦㝆ꕖ⥜佖鎹ꏗ须俲⛓佪⸂ ?Smart contracts are different from general traditional contracts. Is there a clear law that validates the effect of modified smart contracts and blockchain data? Smart contracts are different from general traditional contracts.

52 082ꆄ輑㉂ㅷ涸须鎝麕㢵⚂醳꧹㼩倴♧菛嶋顥罏⢵铞➠Ⱘ⪔鯱넞涸濼陏壋㥶⡦㖈痘ざ岁鋊涸銴宠♴⿶腋䲿⣘幢嘽僈澗涸须鎝窍嶋顥罏 ?There is too much information about financial commodities, and there is a high knowledge threshold for ordinary consumers. How can we provide the clearest and most concise information to consumers without breaching regulations?

㹐䨩莅CustomerParticipation



63 092ꆄ輑㉂ㅷ涸㢵垺䚍儘䌢鸤䧭笪畀䎂〵涸须鎝ꆀ麕㢵㥶⡦雊ꆄ輑㉂ㅷ涸㼦䪪飑顠崩玑刿⸈䘰鸠湬錏 ?The diversity of financial products often results in an overwhelming amount of information on the website. How can we make the process of finding and buying financial products faster and more intuitive?

64 094ꆄ輑岁鋊涸ⵖ㹁䥰⟃⥃隌嶋顥罏涸奚渤捀⮛⯓罌ꆀ倞㘗䢀涸ꆄ輑猰䪮莅剪僽や⛳䥰鑪僈焷㖒秝Ⰵ嶋顥罏ꆄ輑⥃隌涸鋊眕 ?The formulation of financial laws and regulations should give priority to the protection of consumers' rights. Should new-type financial technologies and services also be explicitly included in the consumer financial protection regulations?

65 094ꆄ輑噠罏⿻倞ⶾ噠罏㥶⡦剤佪ⵄ欽爢纈㯯넓⿻侸⡙鸒騟䒊用嶋顥罏彘鸒盘麥 ?How do financial operators and startups effectively use social media and digital channels to establish consumer communication channels?

66 098ꦑ衽ꆄ輑猰䪮涸觍⸽涮㾝ꆄ輑剪涸䲿⣘罏莅♧菛欴噠⛓涸歲箁♶ⱄ㥶姽僈焷僽や䥰刿⸈ꅾ鋕騗欴噠騗㕜ꥹ涸湌椚涮㾝With the complication of laws and regulations and the diversification of technology, is it possible for the government to uniformly establish relevant laws and risk databases?

湌盘猰䪮RegulatoryTechnology

67 098ꦑ衽岁⟂涸醳꧹⻋莅猰䪮涸㢵⯋⻋佟䏎僽や剤窡♧䒊縨湱ꡠ岁䖒괐ꦖ须俲䏨涸〳腋With the rapid development of financial technology, the boundary between financial service providers and the general industry is no longer so clear. Should we pay more attention to the development of cross-industry and international supervision?

68 100⚺盘堥ꡠ㥶⡦麌欽湌盘猰䪮涮㾝麨ⵌ禺窡须㸞须俲⥃隌涸剤佪盘椚How can the regulatory authority use technology development to achieve effective management of system, security, and data protection?

70 102ꆄ輑剪噠罏倞ⶾ噠罏⛓괐ꦖ须俲䏨僽や〳莅ꆄ輑耢ざ䗚⥌⚥䗱✽湱⚮䱺⟃⯏㻜须俲䏨⛓㸤侮䚍Can the risk database of financial service providers and startups can be connected with Joint Credit Information Center to enrich the integrity of the database?

71 102岁⟂黾䗅涸湌盘猰䪮涸䧭劥湱殹넞⚺盘堥ꡠ僽や剤湱ꡠ䲀䑞倰呪⟃䲿넞噠罏㼬Ⰵ䥰欽涸䠑격The cost of supervising technology followed by laws and regulations is quite high. Does the government have relevant regulatory technology promotion plans to increase the willingness of participants to introduce applications?

72 104湡涸湌椚㣐㢵鷴麕✲䖕㜡邍⿻侸亙⡎鸏❉㢵㿂倴衆䖕䭸垦㥶⡦腋㣁鷴麕㻜儘괐ꦖⴕ區⢵䒊用傍劍갸陪禺窡 ?Most of the current supervision uses post-mortem reports and data, but in fact these are backward indicators. How can an early warning system be established through real-time risk analysis?

69 100湌椚尪渱涸鹎Ⰵ壋僽や腋剤刿稣篊涸ⴕ겳ⴕ秹窍✮♶ず괐ꦖ涸噠罏♶ず涸䱇奚⟃렽⺑刿㢵ꆄ輑猰䪮噠罏䫏Ⰵⶾ倞Can the entry threshold for regulatory sandbox have a more detailed classification through giving different authorization levels to different risk operators in order to encourage more FinTech companies to invest in innovation?

62 092佟䏎莅噠罏㥶⡦雊嶋顥罏✫鍑倞㘗䢀涸ꆄ輑噠⟃⿻렽⺑⢪欽倞莇䪮遯How can governments and participants let consumers understand new forms of financial businesses and encourage the use of emerging technologies?


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73 104㥶⡦䲿⼮湌椚尪渱涸㻤叆剚陾佪桧幾㼱湱ꡠ遤佟崩玑涸瘞䖊儘 ?How to improve the efficiency of the regulatory sandbox review meeting and reduce the waiting time of relevant administrative processes?

74 106僽や䥰㼟ꆄ輑猰䪮噠罏秝Ⰵꆄ輑耢ざ䗚⥌⚥䗱䧴湱ꡠ⥌欽须俲䏨涸⢪欽眕㕠鷴麕须俲佞佟瘼⟃衆㻜괐ꦖ鐱⠮ ?Should FinTech companies be included in the scope of Joint Credit Information Center or related credit database, and the risk assessment implemented through the open data policy?


75 106湌盘猰䪮捀✫ⴕ區莅盘椚〳腋䱺鍸㣐ꆀꦡ猙侸亙㥶⡦㖈⦐➃须俲⥃隌涸䲿♴麨ⵌざ椚ⵄ欽⟃䲿⼮湌盘涸佪桧In order to analyze and manage technology, supervisory technology may be exposed to a large amount of private data. How can it be rationally used to enhance the efficiency of supervision under the premise of personal data protection?

77 110㼩倴嶋顥罏⥃ꦖ须俲莅ꄴ派须俲涸⚮耢⭆⧩ꕖ涸㘍湬侮ざ佟䏎僽や剤湱ꡠ⼿锅堥ⵖ莅䲀䑞佟瘼Are there any relevant promotion policies for the concatenation of insurance data and medical data, and the vertical integration of value chains to enhance consumer convenience?

⥃ꦖ猰䪮InsuranceTechnology

78 110⥃ꦖ猰䪮莅兰䢵ꄴ派涸䲀䑞堾騗㢵珏欴噠䥰欽❒佟䏎㋲⡙䒊用湱ꡠ涸岁䖒ꂂ㤛䲃倷⟃㸤㊥欴噠涮㾝橇㞯The promotion of insurance technology and smart healthcare spans a variety of industrial applications, and government agencies are urgently required to establish relevant legal measures to improve the industrial development environment.

79 112㥶⡦䱍䳣Ⱏ❧竤憘⛓劢⢵馸㊥欽⥃ꦖ猰䪮⟃剤佪鹎Ⰵ⚛竤斊倞竤憘걆㚖涸䋑㜥How to seize the future trends of the sharing economy and make good use of insurance technology to effectively initiate the market in the new economic field?

80 112僽や䥰䲿⼮侸⡙䎂〵䧴侸⡙倰䒭鹎遤䫏⥃莅剪涸眕㕠⟃䲿넞侸⡙⻋⥃ꦖ涸佪桧莅剪ㅷ颶Should the scope of digital platforms or digital insurance service be improved to boost the efficiency and service quality of digital insurance?

81 114㖈⥃ꦖ猰䪮涸佞莅⦐➃须俲⥃隌盘椚⛓⢿㥶欰暟鳺陏⛓䥰欽㥶⡦莅儘⥡鹎㖒䎂邂곃How can we keep pace with the t imes and balance the opening of insurance technology and the management of personal data protection?

82 114捀✫䲿⼮字滞飑顠넓뀿⿻⥃ꦖ䋑㜥涮㾝㥶⡦㊥欽⥃ꦖ猰䪮鍑对植剤⥃ꦖ㉂ㅷ须鎝醳꧹䧴僽须鎝♶㼩瘞涸植屣In order to improve the purchasing experience of the public and the development of the insurance market, how can we make good use of insurance technology to solve the current situation that the information of existing insurance products is complex or unequal?

76 108㼩倴峤ꐏⵖ岁⟂銴宠涸䲿⼮㥶⡦⼿⸔䖰✲ꆄ輑剪涸ꆄ輑猰䪮噠罏痘ざ峤ꐏⵖ鋊眕Laws and regulations for the enhancement of the requirements of the money laundering prevention laws and regulations are rising. How can we assist FinTech companies engaged in f inancial services to comply with the money laundering prevention regulations?



84 116ꦑ衽⥃ꦖ猰䪮鹎姿⿻岁鋊涸佞佟䏎⿻噠罏㥶⡦䍲⸔莅來肬嶋顥罏✫鍑⚛䱺「倞涸嶋顥䙼笞莅遤捀With the advancement of insurance technology and the opening up of regulations, how can the government and participants educate consumers to better understand and accept new consumer thinking and behaviors to optimize the market?

85 118⥃ꦖ侸⡙⻋涸湡涸⛓♧僽捀✫䲿넞㹐䨩⥃ꦖ涸넓뀿侸⡙剪⢿㥶魨ⴕ뀿阮⚺盘堥ꡠ莅噠罏鑪㥶⡦䭰糵䲿⣘⮛⻋剪One of the purposes of insurance digitalization is to improve customers' successful experience in digital insurance services. How should the government and operators continue to optimize services?

86 118ꦑ衽㢫鿈涸橇㞯罜䘰鸠佖隶⥃ꦖⰗ䥰莅儘⥡鹎䲿⣘㢵⯋⥃ꦖ㉂ㅷ涸Ⰹ㺂莅㹁⭆倰䒭With the rapid changes in the external environment, insurance companies should keep pace with the times and provide diverse content and pricing methods for insurance products.

87 120㥶⡦㊥欽⥃ꦖ猰䪮雊侸⡙⻋䫏⥃⿻䖕糵湱ꡠ剪麕玑搂簧侮ざ䲿⼮字滞涸剪侮넓怏䠑How to make good use of insurance technology to seamlessly integrate the digital insurance and follow-up related service processes to improve the overall satisfaction of the public?

88 120㖈涮㾝⥃ꦖ猰䪮涸ず儘㥶⡦䓽⻋➃堥⼿⡲禺窡涸剤佪䚍酢駈➃䊨ⴼ倬呪⟝괐ꦖ♶駈涸鐱⠮While developing insurance technology, how to strengthen the effectiveness of the human-machine collaboration system and complement the assessment of the lack of manual judgment of case risk?

89 122ꦑ衽䪮遯䲿⼮⚺盘堥ꡠ莅噠罏㥶⡦Ⱏず⸗⸂⼿⸔ⶾ倞⥃ꦖ㉂ㅷ涸佞⟃怏駈刿㢵字滞宠 ?With the improvement of technology, how can the competent authority and the operators work together to help open up innovative insurance products to meet more people?

90 122⥃ꦖ猰䪮涸涮㾝莅湌盘䜂䜂湱ꡠ㥶⡦䒊用傂痘ざ湌盘銴宠⿶痘ざ⥃ꦖⶾ倞⾲涸⥃ꦖ猰䪮欰䢀禺窡The development of insurance technology comes hand in hand with regulations. How can we establish an insurance technology ecosystem that meets both regulatory requirements and insurance innovation principles?

91 126ꆄ輑耢ざ䗚⥌涸괐ꦖ鐱⠮垦彋䥰鑪♧荞Ⱖ剪㼩韍♶䥰僽ꆄ輑噠罏罜僽䨾剤䲿⣘ꆄ輑剪涸噠罏鿪䥰鑪ず儘罌䣂The r isk assessment cr iteria of the Joint Credit Information Center should be consistent, and the service target should not only be the financial industry, but all financial services providers.

兜䟃ꆄ輑InclusiveFinance

92 126鿈ⴕ⫄窡涸ꆄ輑剪剤♧㹁哭⟝ꣳⵖ佟䏎㥶⡦⼿⸔ⶾ倞ꆄ輑猰䪮剪佖㊥植剤涸⥌欽盘椚⟃⿻橇㞯哭⟝Some traditional financial services have certain restrictions. How can the government assist innovative financial technology services to improve existing credit management and environmental conditions?

83 116㥶⡦䭰糵䓽⻋箁♳荈⻋椚颦涸⤑ⵄ䚍⟃鷆宠鸠䏞刿䘰彋焷䚍莅鷴僈䏞刿넞涸ꆄ輑猰䪮⥃ꦖ剪How can we continuously enhance the convenience of online automated claims settlement in order to pursue faster, more accurate and transparent f inancial technology insurance services?


程䒸 | 147

갤侸겗湡侃鶤圓93 128㼩倴搂岁갫ⵄ《䖤ꆄ輑堥圓䲿⣘涸欴ㅷ莅剪涸停纈⚺盘堥ꡠ㥶⡦鍑对Ⱖ搂䨾䖤阮僈⿻二⥃ㅷ⥃ꥻ⛓㔮仠 ?

For groups that cannot successfully obtain the products and services provided by financial institutions, how can the regulatory authority solve the problem of them not having proof of income and guarantee of collateral?

94 128ꡠ倴⨋ꀀ㖒⼦莅⾲⡞字停纈佟䏎㋲⡙㥶⡦⼿⸔《䖤葻㥪涸ꆄ輑剪⿻欴ㅷ须鎝⟃麨兜䟃ꆄ輑⛓湡涸Regarding groups in rural areas and indigenous ethnic groups, how can government units assist in obtaining good financial services and product information for the purpose of inclusive finance?

95 130ꆄ輑猰䪮涸涮㾝䧴鏤鎙㢵⟃䎃鰋➃捀ⴀ涮佟䏎僽や⛳䥰岤ꅾ䎃罏⿻魨䗱ꥻ燘停纈涸奚渤The development or design of fintech is mostly based on young people. How can the government pay better attention to the rights of the elderly and people with disabilities?

96 130⚺盘堥ꡠ僽や〳⟃锅侮⥌欽鐱瘞堥圓涸剪⿻⢪欽㼩韍⟃䒊用刿㸤㊥涸⥌欽鐱瘞须俲䏨Is it possible to adjust the service targets of credit rating agencies and establish a more complete credit rating database?

97 132㥶⡦鷴麕ꆄ輑猰䪮涸佖㊥⢪Ⱇ渤䯪妵涸麕玑鷴僈⻋须鎝䳷ꪫ䖤刿幢嘽⟃䲿넞䯪妵䠑격莅⢪欽佪桧How can the process of public welfare donations be made more transparent and information disclosed more clearly through the improvement of financial technology to increase donation willingness and efficiency?

98 132湡㼩倴纈滞须䎂〵⿻遤捀㼿搂㼠㿂岁䖒鋊眕鹎遤盘椚佟䏎僽や䥰⼿⸔纈滞须䎂〵䒊用♧㤛湱ꡠ涸盘椚堥ⵖAt present, there is no exclusive legal regulation on crowdfunding platforms and behaviors. Should the government assist the crowdfunding platforms to establish a set of related management mechanisms?

99 134鏪㢵䗏㘗䧴倞ⶾ⟱噠頿䧴ꬌ頿涸须鎝鯱捀緄⛘僽や剤刿㥪涸倰岁⼿⸔《䖤ꆄ輑剪Many small companies and new startups lack financial or non-financial information. Is there a better way to assist them in obtaining financial services?

100 134ꆄ輑猰䪮莅岁⟂鋊眕㥶⡦⼿⸔䗏㼭䧴倞ⶾ⟱噠鍑对䫼䬃⿻二⥃ㅷ♶駈涸㉏겗 ?How can FinTech and legal regulations help small or start-up companies solve the problem of insufficient mortgages and collateral?


ꡠ倴姽俒Ⰹ䨾剤须鎝涼㿂♧菛鸒欽䚍颶⚂⚛搂䠑䕧㼙⟤⡦暶㹁⦐➃䧴岁➃⛓䞕屣⽰⢪䧮⦛荞⸂倴⽰儘䲿⣘礶焷⛓须鎝⡎♶⥃阮ぐ⡙栽䖤姽⟨须鎝儘Ⰹ㺂彋焷搂铐❠♶⥃阮须鎝腋礶彋黠欽劢⢵⛓䞕屣⟤⡦➃涼♶䥰㖈劢栽䖤⦐呪㼠噠㻤鋕♴䨾欴ⴀ⛓㼠噠䒊陾䥰欽鑪须鎝© 2020 㸞⣶⟱噠盘椚肆⟨剤ꣳⰗ⤚莅榰㡦岁䖒㻜넓 KPMG International Cooperative ("KPMG International") 湱ꡠ耢涸 KPMG 栬用䧭㆞堥圓笪騟Ⰹ⛓䧭㆞堥圓冸⚥螠字㕜岁䖒♴⛓肆⟨剤ꣳⰗ晝奚䨾剤⥃殆䨾剤奚ⵄ

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