去中心化金融對開放銀行架構的服務設計之影響

CCUR > College of Business > Department of Information Management & Graduate Institute of Information Management > Thesis > Item 987654321/48298

Please use this identifier to cite or link to this item: https://irlib.pccu.edu.tw/handle/987654321/48298

Title:	去中心化金融對開放銀行架構的服務設計之影響 The Influence of Decentralized Finance on the Service Design of Open Banking Architecture
Authors:	吳亦婷
Contributors:	資訊管理學系碩士在職專班
Keywords:	去中心化金融開放銀行區塊鏈數位理財手機APP decentralized finance open banking blockchain digital financial management mobile application
Date:	2020
Issue Date:	2020-08-10 10:18:25 (UTC+8)
Abstract:	隨著去中心化金融架構的發展，以及使用者對理財應用的需求由單純逐筆式流水記帳，逐漸升級為欲系統化地統整個人財務資訊，基於區塊鏈原理之開放銀行服務架構即相應快速興起。本研究即以去中心化金融對開放銀行架構中，各類金融相關服務之設計的影響為主要研究議題。重點分為產業面、使用面、應用面等三個主要面向，探討服務提供及使用模式的變革，以及以試驗模型(Mockup)模擬第三方應用工具其因應提高服務提供方與使用方雙方適用性而有操作、功能創新的運作架構，另並研究前述三項重點各面向之利弊。產業面之分析公開資訊數據，得知組織、投資、人力資源之發展將成為開放銀行商業模式之主要推動力；使用面進行假設檢定分析，得知各面向對於開放銀行之接受度之影響有各種異同；應用面則以Adobe Xd實際繪製並模擬開放銀行服務第三方應用工具之運行，得知其與市面上已活躍一段時間之主流第三方服務工具運行架構尚有雷同之處。 With the rise of Decentralized Financial architecture and the user's demand for wealth management applications are gradually upgraded from simple transac-tion-by-transaction flow accounting to the systematic integration of personal financial information, the Open Banking service architecture, which based on Block Chain the-ory, has attracted increasing attention. This research focuses on the impact of Decen-tralized Finance on the design of various financial-related services in an open banking structure. The emphasis is divided into three main aspects: the industry, the require-ments of use, and the application. Which discusses the change of service provision and use mode. Also simulates and discusses the operation structure of a third-party appli-cation tool with the mockup, that there are operation and functional innovation. The pros and cons of each of the three key points mentioned above are also studied. Analy-sis of “the industry” public data, knowing that the development of the organization, investment, and human resources will become the main driving force of the open bank business model; “the requirements of use” is to conduct a hypothesis testing, knowing that each aspect has an impact on the acceptance of open banks various similarities and differences; “the application” is actually drawn and simulated by Adobe Xd for the operation of third-party application tools for open banking services, and it is known that it has similarities with the operating architecture of mainstream third-party ser-vice tools that have been active in the market for some time.
Appears in Collections:	[Department of Information Management & Graduate Institute of Information Management] Thesis

Files in This Item:

File	Description	Size	Format
index.html		0Kb	HTML	174	View/Open

View Licence

Loading...