Bank 3.0:A Battlefield of Digital Finance in Taiwan

N059_MKT_Bank 3.0:A Battlefield of Digital Finance in TaiwanWhen younger customers are pursuing a more convenient life style without limit of time and location, they are getting accustomed to the internet bank services like transferring, inquiry, paying, investing such as purchase on stock and fund, currency exchanging, and online shopping etc., there’s a downfall of the traditional bank industry with physical channel. Bank, in the future, will not be just a place, but a behavior.

Nonetheless, in Taiwan, even within youngsters with strong adaptability, the familiarity with using digital financial service is still insufficient. The status is now remaining as having awareness but less intention. Normally as more and more consumers are relying on Internet, the development of digital network should be able to save people a great amount of time waiting in banks with number tickets crumbled in their hand. Financial service digitalizing seems much more efficient and imperative, so what is retarding the pace of the development in Taiwan?

Bank 3.0:台灣數位金融戰場

全球都在改變使用網路銀行習慣,轉帳、查詢、繳費、買基金股票、兌換外幣、網購買賣等,都能在網路上進行操作,且更加便利、不受時間地點的限制,傳統銀行業者的實體通路已不再吃香,未來「銀行不再是一個地方,而是一種行為」。

然而在台灣,即使是適應能力強的年輕消費者,對數位金融服務的熟悉度,都還跟不上世界的腳步,使用意願尚在有意識、但嘗試意願不高的階段。照理來說,消費者越來越依賴網路,且比起前往實體銀行的交通與等待時間,數位網路似乎有效率多了,銀行服務的數位行動化看來是勢在必行,那是什麼原因讓這個趨勢在台灣走不快呢?

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