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從世界經濟論壇看科技對金融產業的衝擊和機會

蘇書平 Steve Sue

Microsoft / EPG

197

innovations

structuredprovisioned consumed

changes

World Economic Forum 2015 JanFintech=Financial Company + IT + Creativitiy跨業跨境的競爭

Insurance- Insurance

Disaggregation

- Connected Insurance

Payments- Emerging

Payment Rails

- Cashless World

Deposits & Lending- Alternative Lending

- Shifting Customer Preferences

Market Provisioning- Smarter, Faster

Machines

- New Market Platforms

Capital Raising- Crowdfunding

Investment Management- Process Externalisation

- Empowered Investors

收益最大，而又使顧客感覺不那麼方便的金融服務

• 平台化 (platform based)、數據密集 (data intensive) 和資產輕化 (capital light) 等創新模式

銀行業 保險業

並行策略

正負面風險變化

不間斷的創新力量

改變消費者的行為、迫使企業的商業模式和金融業的長期結構做出調整

WEF 對金融創新的 6 個關鍵發現

世界經濟論壇對於區塊鏈潛力的調查報告

2025-2027年，全球有等同10%國民生產毛額GDP資產價值，將儲存於區塊鏈。

區塊鏈就像是經濟上的綠色科技，是全球經濟網路的自然語言。

它的特色是，全球存取、經濟包容與扶貧，當然；去中心化。

區塊鏈並不是金融科技而已，事實上它是社會科學。

藉由共享經濟、契約治理，帶領人類邁向新文明的開端。

從微軟看為何需要 Blockchain?

Reduce Non-Core Infrastructure Costs

Eliminates need for intermediaries

Uses programmable logic

Enables focus on core technology

Increase Transparency/ Reduce Fraud

Each node verifies authenticity

Nearly impossible to change

historical records (immutable)

Increase Speed Simplifies supply chain

Allows T+Zero settlement

Blockchain

Benefits

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Financial

Institutions moved first because

of the immediate

potential for

disruption.

42 Financial

institutions have already signed

on to Azure BaaS.

Source: Bitcoin and Blockchain Thought Leaders Annual Survey

Decentralized

coordination

Finance Identity Property title Communication

23%77% 54% 38%

Privacy other

15%23% 15%

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區塊鍊的衝擊又是什麼

World Economic Forum提到科技創新對金融服務產業的衝擊六大功能 / 十一大創新項目

數位金融是一種去中間化的過程

手機就是數位分行辦公地點和數量不在是決勝關鍵

金管會首波開放項目

今天我們不談女孩來聊聊那些年我們一起追的通訊科技

FinTech最容易被接受的3大族群

年輕客群(後Y世代和Z世代)高收入客群高度數位客群及城市

出生在1985年前的人可以知道網路生活的差異,

數位移民或數位原生族群如何建立離線和線上的生活和溝通差異

1.支付創新

Line的下一步

2.保險創新

Aviva 利用微軟雲端技術吸引客戶Usage-based insurance product based on driving data from mobile phones

“With Windows Azure, we can build on capabilities that were unavailable in the past.

As a result, we can offer our customers cutting-edge solutions like never before.”

—Steve Whitby, Solutions Delivery Center Director, Aviva

商業目標• 想要利用創新的Pricing

Model 吸引和保留客戶

• 結合IOT互聯網telematics技術分析汽車保險客戶的駕駛行為

•

資訊戰略• 2012年7月導入微軟

Azure混合雲技術開發新一代行動app並和現有的quote報價系統整合並且透過微軟Azure

Mobile App整合社群網站

商業結果• 幫助客戶降低至少premiums保險費且有效接觸到更多的潛在客戶

• 可以利用手機提供更多的行銷活動方案

• 提供更彈性的開發架構給程式發展單位

Aviva leverages Windows

Phone and the Microsoft

Cloud to power Aviva Drive.

Telematics and Usage Based Insurance at Aviva

Solution Details:

• Implemented for commercial and consumer lines.

• Uses mobile phone’s accelerometer and GPS to

collect data (Windows Phone, iOS, and Android).

• Data store and in the Azure cloud with Microsoft

SQL Server

• 300,000 application downloads to date

• Incorporates gamification

• Raised Net Promoter score

3.存款業務創新 (你會想要理專嗎)

日本銀行用Pepper機器人取代銀行接待員

行銷的市場規則正在改變

3+

Devices Anytime

Anywhere Dispersed

Data

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State Farm 及其隸屬公司為全美最大規模的汽車保險公司，也是加拿大國內首屈一指的保險商。擁有17,800 位代理人和 65,000 多名員工，除了提供汽車保險報價以外，更為 8100 萬個保單和帳戶提供服務 — 在美國和加拿大有超過 7900 萬份汽車、房屋、人壽和健康保險保單，以及將近 2 百萬個銀行帳戶。同時也提供商業汽車保險，並為租屋房客、小型商業業主，船艇和摩托車提供承保

？這就是微電影行銷厲害的地方！以下幾點是這此種宣傳方式成功的因素：1. 有劇情的微電影能拉長潛在顧客在「了解品牌」上停留的時間（通常會多於一集）2. 把品牌中心思想Slogan編寫成故事讓人更能夠記憶、感同身受（在新品牌初創階段是個很好的行銷手法）3. 結合感性劇情，使品牌接受度提高。

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語音客服/線上客服應用

4.資金募集創新

5.投資管理創新

銀行大數據應用

銀行

客戶360視角消費金融

企業金融

精準行銷交叉行銷

個性化推薦

風險控管貸款評估

反洗錢防制

即時交易詐欺分析

營運優化與情分析

商品優化

通路分析與經營

功能六:市場資訊供應

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Blockchain | 跨產業衝擊

Healthcare

Blockchain removes cumbersome, costly third-party verifiers such as health information exchanges by directly linking patient records to clinical and financial stakeholders. As a result, population health management can take a quantum leap forward.

Information stored on a Blockchain can be used to design more efficient treatment and provide fast, secure, authenticated access to personal medical records across healthcare organizations and geographies.

保險和醫療體系的整合(新一代健保費或保險建議)

跨境就診

Retail & Manufacturing

Retail and Manufacturing sectors can benefit from better supply chain management, smart contract platforms, digital currencies, and tighter cybersecurity.

應收應付動態折扣

供應鏈金融解決中小企業流動資金壓力

Financial Services

The Financial Services sector has been an early mover due to the potential to redesign costly legacy workflows, improve liquidity and free up capital.

Blockchain technologies can help reduce infrastructure costs, increase transparency, reduce fraud and improve execution and settlement times. Due to the significant potential for disruption, consortiums have also come to market and 42 financial institutions have already signed on to Azure BaaS.

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40

Syst

ems

man

agem

ent

& M

on

ito

rin

g

Visio Excel Word Visual Studio

.NETFinancial Services Healthcare Supply Chain IOT

DSL

Abstraction Layer

Identity & Key Services

Smart-contract

Marketplace

Crypto-Services

Smart Contract +Cloud Servicing +

Multilayer Middleware

ML & BIServices

Secret Maker (PPE)

KeyVault

Azure AD

Secure Storage

Secure Container

Code Signature

Extended Code Trust

Contract Compiler

Cortana Analytics

PowerBI

Azure AD

Azure AD

KeyVault

KYC Services

Distributed

Ledger Services

Marketplace

Consensus P2PVM DB

Core/Kernel/Universal

Azure Service Bus Other

Blockchain Stack

Marketplace

BaaS | Architecture從科技的角度看FinTech

We’ve delivered an open, broad, and flexible cloud across the stack

Applications Management Clients

Web App Gallery

Dozens of .NET & PHP CMS and Web apps

Infrastructure Databases App Frameworks

SQL Server

+Hundreds of community supported images on VM Depot

Azure BaaS

Hyper Scale

Enterprise Grade

Hybrid

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Microsoft Azure | An Open Cloud

再來全面物聯網去中間化對我們的衝擊?商業模式互聯網化連線主編凱文凱利提到硬體未來將會變成免費

產品體驗互聯網化智能手機已經不在只是通訊而是用戶的生活體驗

市場推廣互聯網化口碑行銷變成新媒體(六度分隔理論級距縮短)

產品銷售互聯網化電子商務是扁平化的過程壓縮中間渠道的獲利和生存空間和傳統業務及行銷的從業價值

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