1 of 17
Downloaded 69 times
Recommended
浅谈贵颈苍迟别肠丑(1).辫辫迟
浅谈贵颈苍迟别肠丑(1).辫辫迟Chris Chang
?
FinTech這個名詞的崛起，讓許多人忘了Bank 3.0的議題還在發酵，此篇淺談FinTech概念，並闡述FinTech的發展，其實更需具備Bank 3.0的思維。浅谈贵颈苍迟别肠丑(4)
浅谈贵颈苍迟别肠丑(4)Chris Chang
?
如果你是金融人FinTech你懂嗎?
我想是蠻可以理解的，但如果把Fin遮掉剩下Tech你還懂嗎?
想必科技領域(java, c++, html, JS…)就不是你所擅長，
如果科技人沒有站在金融角度去解釋所謂的Tech，
你又怎麼了解? 反過來說你沒有用User角度去設計一個系統，
使用者又怎麼會了解?
User Experience是這樣來的啊!
科技人站在金融人角度說明原來這就是金融科技…
金融人得用使用者角度去說明原來這叫做金融科技服務
FinTech in E.SUN
FinTech in E.SUNYi-Ting Lu
?
準備簡報時, 有預想幾個問題：首先是「不是已經BANK 3.0了嗎？金融科技對金融業有什麼影響嗎？」個人認為金融科技帶來的創新比起數位化更有殺傷力, 因為顧客不去實體分行辦理手續、不透過網路銀行或是銀行APP, 反而選擇使用異業的金融服務。以跨國P2P匯兌服務為例, TransferWise僅收取的0.5%手續費, 處理時間卻只要一天, 相較之下銀行海外匯款5%收續費卻需要長達7天的作業流程, 這樣的中介者真的需要與時俱進！
另一點, 「從金融從業人員的角度, 談談本行在金融科技的具體行動？妳參與的部分有那些？」就我自己的觀察, 公司主要是瞄準「第三方支付」並藉由策略聯盟來搶攻行動支付這塊約5兆的現金市場[註1], 像是與淘寶網的支付寶合作讓中國觀光客到台灣不用換匯直接拿出手機支付[註2], 結盟信用卡發卡機構MasterCard透過HCE(Host Card Emulation)來推出無晶片手機信用卡[註3]等。自己則曾參與電子支付平臺專案響應式網頁設計工作, 自我的突破在於同時並行多個專案, 也是首次密切討論的跨單位合作案, 幫助我後續執行類似專案的溝通與合作模式.
最後, 呼應《設計的心理學》讀書心得的結論再次呼籲“從核心出發”探索顧客需求的重要性, 並以管理學大師彼得杜拉克的名言「不創新，即滅亡」來提醒自己保持不斷學習的心態來面對瞬息萬變的金融生態.從世界經濟論壇看台灣 by Fugle
從世界經濟論壇看台灣 by Fugle力維 葉
?
2015年世界经济论坛(奥贰贵)其中一个主题：未来的金融服务。匯聚接近200位专家研究15个月，完成详尽的报告。贵耻驳濒别团队翻译整理，并用这个完整的架构看台湾的贵颈苍迟别肠丑机会与挑战。
20151001金融监督管理委员会：陈报「推动金融科技创新措施」报告
20151001金融监督管理委员会：陈报「推动金融科技创新措施」报告R.O.C.Executive Yuan
?
20151001行政院會後記者會（第3468次會議）
https://www.youtube.com/watch?v=SuhUAAWDX_g
浅谈贵颈苍迟别肠丑(3).辫辫迟
浅谈贵颈苍迟别肠丑(3).辫辫迟Chris Chang
?
uber起初是為了解決高級轎顆空車率問題...
支付寶在爆紅前只為了解決雙方擔保交易..
他們所專注的點都很小,但在一個用戶至上,顧客至上的世代,
對顧客而言越接近他們所想要的這些事就是大事!
ex:每天來點負能量,小小的你可以在部落的上說些實話
你可以想像這樣的一件小事,甚至登上了暢銷榜書架,
當你越小你越貼近顧客,逐漸你越大你才越能代表市場,
當高談我們要貼近市場時,不妨退一步先貼近距離你小一點顧客,
小小的餐館會有老闆在門口迎接叫出你的名字,
小小的分散投資可以免於孤注一擲一個大項目,
只有對那些"從小處著手，心懷大志"的才是大!
科技也是如此,前幾個月開始火紅的FinTech,
Financial的議題太大了,退一步思考是誰要用這個Tech...
是User-->所以應該是UserTech(符合使用者的科技),
User x Tech-->UxTech(一個符合使用經驗的Tech),
只是這一波和金融有關所以叫做FinTech...
這樣思維造就了"小即是大",我們說"大"這個字太遙遠了,
退一步思考怎麼變大? 使用者會接受是因為他夠好夠美
所以該專注的是"小即是美",當你夠美自然會壯大,
壯大後自然有人幫你證明這一段的過程 ...
阿原肥皂
阿原肥皂Chris Chang
?
阿原跳脫肥皂產業框架,
身為資管人…若是不能完全跳出IT框架,
至少嘗試跳出你電腦,手機螢幕的框架…
用沒有框架的世界來看事情,
別用有框架的IT看這個世界。
阿原可沒有陷入肥皂只能放在清潔區,
他跳脫那格框架,用更不同角度看世界!
這是我看到的...
抄，是最好的获利模式
抄，是最好的获利模式Chris Chang
?
我們從小被教導…原創的想法是因為
孤獨的天才在孤寂中發揮潛能
(像畢卡索, 沙士比亞, 牛頓…等)
但別忘記馬克吐溫講過:
"當槌子是唯一的工具時,
你眼中的問題都像根釘子"
作業系統(Os)教我的道理 part1
作業系統(Os)教我的道理 part1Chris Chang
?
CPU一直在改進變得更有效率，你也會因為不同階段改進你的處理方式
你該做的就是不斷的改進你的處理方式,優先權的定義方式…等
當你這樣子去做事情…至於時間，它是跟著你走的
The next 10 years in Fintech 
The next 10 years in Fintech Kantox
?
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector2015.10.31 淺談矽谷的fintech趨勢
2015.10.31 淺談矽谷的fintech趨勢Chung-Hsiang Ofa Hsueh
?
Ofa is a business lead at Installment Inc., a FinTech company. He splits his time between business development, data science, and recreational activities like cooking, photography, and sports. His hobbies include studying, sharing ideas, and tinkering with technology. He maintains a blog about FinTech topics and can be contacted via email or Facebook.PCI Security Standards on Big Data Platform (1)
PCI Security Standards on Big Data Platform (1)Chris Cheng-Hsun Lin
?
This document discusses several PCI security standards including PCI-DSS, PA-DSS, PTS, P2PE, and token service provider (TSP) security requirements. It provides an overview of each standard, describing their goals and requirements. For example, it states PCI-DSS has 12 requirements across 6 goals to help merchants and service providers protect cardholder data. It also discusses how standards like tokenization and TSP can help reduce PCI scope by eliminating cardholder data from environments. The document is intended to educate product managers about important payment security standards.
2015.06.16 why silicon valley matters
2015.06.16 why silicon valley mattersChung-Hsiang Ofa Hsueh
?
This slides is composed of my observation upon the history of silicon valley, the data science development and the forecasting of the coming future.Devie Mohan: FinTech 狠狠撸s for Next Bank Europe Barcelona - Sep 22 2015
Devie Mohan: FinTech 狠狠撸s for Next Bank Europe Barcelona - Sep 22 2015Devie Mohan
?
Banks have traditionally invested most in lending, payments and using big data, but are now increasingly focusing on improving customer experience through more interactive and customer-centric digital services. This involves updating core banking systems and implementing application programming interfaces to integrate better with financial technology partners and provide personalized financial management, payments and currency transfer capabilities powered by customer data and intelligence.GfK - Lessons Learned…From FinTech’s Impact Across Financial Services
GfK - Lessons Learned…From FinTech’s Impact Across Financial ServicesGfK
?
Tom Neri:
Tom Neri examines fintech’s impact on financial services as well as partnerships that are re-imagining customer engagement on smartphones. Shadoless Halogen Operating Light
Shadoless Halogen Operating LightTECHNOMED INDIA
?
TECHNOMED operating room lighting lamp is fit for various requirements in surgical operation, and is an ideal illumination equipment for modern operation rooms. Our Lights are designed to assists during critical operations where focused source of bright light is required.
Skype: anamika.sinha86
Email: delhi.technomed@gmail.com I Web: www.technomed-india.com, www.technomedindia.orgHet leven samenvouwen (Vastenwerking 2015)
Het leven samenvouwen (Vastenwerking 2015)Biesbrouck Peter
?
Teksten en liederen die geprojecteerd werden op Ten Bos tijdens de vijfde vastenviering in 2015 (Sint Amanduskerk Erembodegem) met als thema “Het leven samenvouwen”. De teksten van onze vieringen zijn te vinden op de website: http://www.kerkembodegem.be/tenbos/liturgie/vieringen.html 
30 nd.signed
30 nd.signedMèo Hoang
?
Ngh? ??nh g?m 10 ch??ng, 99 ?i?u, quy ??nh chi ti?t thi hành m?t s? ?i?u c?a Lu?t ??u th?u v? l?a ch?n nhà ??u t? theo quy ??nh t?i kho?n 3 ?i?u 1 Lu?t ??u th?u, bao g?m: D? án ??u t? theo hình th?c ??i tác c?ng t? (PPP) theo quy ??nh c?a Chính ph? v? ??u t? PPP; d? án ??u t? s? d?ng các khu ??t, qu? ??t có giá tr? th??ng m?i cao, c?n l?a ch?n nhà ??u t? thu?c danh m?c d? án ???c phê duy?t theo quy ??nh ?? x?y d?ng c?ng trình thu?c ?? th?, khu ?? th? m?i; nhà ? th??ng m?i; c?ng trình th??ng m?i và d?ch v?; t? h?p ?a n?ng mà kh?ng thu?c các tr??ng h?p quy ??nh.Indian Economy: The Curious Case of Household Savings-Investment Gap
Indian Economy: The Curious Case of Household Savings-Investment GapAshutosh Bhargava
?
1) Household savings rates in India peaked in 2008 but have since experienced a steep decline, with the household savings-investment gap currently at its lowest level since the late 1980s.
2) This decline in household savings has negatively impacted potential growth by reducing capital availability to the private sector and decreasing overall capital productivity.
3) Policymakers should pursue more accommodative monetary policy to further support balance sheet repair and strengthen India's domestic macroeconomic profile while foreign liquidity remains favorable globally. Prioritizing growth over inflation targeting will help maximize the current window of opportunity.用 DevOps 思維看待網頁測試 (第二章)
用 DevOps 思維看待網頁測試 (第二章)Chris Chang
?
試想你的開發不就正因為
” 偵測到使用者需求而進行開發 ”，而開發中又 ” 偵測到錯誤進而修改開發 ”，一切都從測試驅動開發(TDD)。
用 DevOps 思維看待網頁測試
用 DevOps 思維看待網頁測試Chris Chang
?
測試是告訴我們，還有事情沒完成，那就捲起袖子把它做對吧!
第一章跟大家分享網頁測試自動化的概念，往後的第二章將會更著重於devops的實踐，並打破舊有迷思。而第三章更會引導讀者透過簡單程式達成網頁測試自動化之效。
More Related Content
Viewers also liked (20)
浅谈贵颈苍迟别肠丑(3).辫辫迟
浅谈贵颈苍迟别肠丑(3).辫辫迟Chris Chang
?
uber起初是為了解決高級轎顆空車率問題...
支付寶在爆紅前只為了解決雙方擔保交易..
他們所專注的點都很小,但在一個用戶至上,顧客至上的世代,
對顧客而言越接近他們所想要的這些事就是大事!
ex:每天來點負能量,小小的你可以在部落的上說些實話
你可以想像這樣的一件小事,甚至登上了暢銷榜書架,
當你越小你越貼近顧客,逐漸你越大你才越能代表市場,
當高談我們要貼近市場時,不妨退一步先貼近距離你小一點顧客,
小小的餐館會有老闆在門口迎接叫出你的名字,
小小的分散投資可以免於孤注一擲一個大項目,
只有對那些"從小處著手，心懷大志"的才是大!
科技也是如此,前幾個月開始火紅的FinTech,
Financial的議題太大了,退一步思考是誰要用這個Tech...
是User-->所以應該是UserTech(符合使用者的科技),
User x Tech-->UxTech(一個符合使用經驗的Tech),
只是這一波和金融有關所以叫做FinTech...
這樣思維造就了"小即是大",我們說"大"這個字太遙遠了,
退一步思考怎麼變大? 使用者會接受是因為他夠好夠美
所以該專注的是"小即是美",當你夠美自然會壯大,
壯大後自然有人幫你證明這一段的過程 ...阿原肥皂
阿原肥皂Chris Chang
?
阿原跳脫肥皂產業框架,
身為資管人…若是不能完全跳出IT框架,
至少嘗試跳出你電腦,手機螢幕的框架…
用沒有框架的世界來看事情,
別用有框架的IT看這個世界。
阿原可沒有陷入肥皂只能放在清潔區,
他跳脫那格框架,用更不同角度看世界!
這是我看到的...抄，是最好的获利模式
抄，是最好的获利模式Chris Chang
?
我們從小被教導…原創的想法是因為
孤獨的天才在孤寂中發揮潛能
(像畢卡索, 沙士比亞, 牛頓…等)
但別忘記馬克吐溫講過:
"當槌子是唯一的工具時,
你眼中的問題都像根釘子"
作業系統(Os)教我的道理 part1
作業系統(Os)教我的道理 part1Chris Chang
?
CPU一直在改進變得更有效率，你也會因為不同階段改進你的處理方式
你該做的就是不斷的改進你的處理方式,優先權的定義方式…等
當你這樣子去做事情…至於時間，它是跟著你走的
The next 10 years in Fintech
The next 10 years in Fintech Kantox
?
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector2015.10.31 淺談矽谷的fintech趨勢
2015.10.31 淺談矽谷的fintech趨勢Chung-Hsiang Ofa Hsueh
?
Ofa is a business lead at Installment Inc., a FinTech company. He splits his time between business development, data science, and recreational activities like cooking, photography, and sports. His hobbies include studying, sharing ideas, and tinkering with technology. He maintains a blog about FinTech topics and can be contacted via email or Facebook.PCI Security Standards on Big Data Platform (1)
PCI Security Standards on Big Data Platform (1)Chris Cheng-Hsun Lin
?
This document discusses several PCI security standards including PCI-DSS, PA-DSS, PTS, P2PE, and token service provider (TSP) security requirements. It provides an overview of each standard, describing their goals and requirements. For example, it states PCI-DSS has 12 requirements across 6 goals to help merchants and service providers protect cardholder data. It also discusses how standards like tokenization and TSP can help reduce PCI scope by eliminating cardholder data from environments. The document is intended to educate product managers about important payment security standards.2015.06.16 why silicon valley matters
2015.06.16 why silicon valley mattersChung-Hsiang Ofa Hsueh
?
This slides is composed of my observation upon the history of silicon valley, the data science development and the forecasting of the coming future.Devie Mohan: FinTech 狠狠撸s for Next Bank Europe Barcelona - Sep 22 2015
Devie Mohan: FinTech 狠狠撸s for Next Bank Europe Barcelona - Sep 22 2015Devie Mohan
?
Banks have traditionally invested most in lending, payments and using big data, but are now increasingly focusing on improving customer experience through more interactive and customer-centric digital services. This involves updating core banking systems and implementing application programming interfaces to integrate better with financial technology partners and provide personalized financial management, payments and currency transfer capabilities powered by customer data and intelligence.GfK - Lessons Learned…From FinTech’s Impact Across Financial Services
GfK - Lessons Learned…From FinTech’s Impact Across Financial ServicesGfK
?
Tom Neri:
Tom Neri examines fintech’s impact on financial services as well as partnerships that are re-imagining customer engagement on smartphones. Shadoless Halogen Operating Light
Shadoless Halogen Operating LightTECHNOMED INDIA
?
TECHNOMED operating room lighting lamp is fit for various requirements in surgical operation, and is an ideal illumination equipment for modern operation rooms. Our Lights are designed to assists during critical operations where focused source of bright light is required.
Skype: anamika.sinha86
Email: delhi.technomed@gmail.com I Web: www.technomed-india.com, www.technomedindia.orgHet leven samenvouwen (Vastenwerking 2015)
Het leven samenvouwen (Vastenwerking 2015)Biesbrouck Peter
?
Teksten en liederen die geprojecteerd werden op Ten Bos tijdens de vijfde vastenviering in 2015 (Sint Amanduskerk Erembodegem) met als thema “Het leven samenvouwen”. De teksten van onze vieringen zijn te vinden op de website: http://www.kerkembodegem.be/tenbos/liturgie/vieringen.html 30 nd.signed
30 nd.signedMèo Hoang
?
Ngh? ??nh g?m 10 ch??ng, 99 ?i?u, quy ??nh chi ti?t thi hành m?t s? ?i?u c?a Lu?t ??u th?u v? l?a ch?n nhà ??u t? theo quy ??nh t?i kho?n 3 ?i?u 1 Lu?t ??u th?u, bao g?m: D? án ??u t? theo hình th?c ??i tác c?ng t? (PPP) theo quy ??nh c?a Chính ph? v? ??u t? PPP; d? án ??u t? s? d?ng các khu ??t, qu? ??t có giá tr? th??ng m?i cao, c?n l?a ch?n nhà ??u t? thu?c danh m?c d? án ???c phê duy?t theo quy ??nh ?? x?y d?ng c?ng trình thu?c ?? th?, khu ?? th? m?i; nhà ? th??ng m?i; c?ng trình th??ng m?i và d?ch v?; t? h?p ?a n?ng mà kh?ng thu?c các tr??ng h?p quy ??nh.Indian Economy: The Curious Case of Household Savings-Investment Gap
Indian Economy: The Curious Case of Household Savings-Investment GapAshutosh Bhargava
?
1) Household savings rates in India peaked in 2008 but have since experienced a steep decline, with the household savings-investment gap currently at its lowest level since the late 1980s.
2) This decline in household savings has negatively impacted potential growth by reducing capital availability to the private sector and decreasing overall capital productivity.
3) Policymakers should pursue more accommodative monetary policy to further support balance sheet repair and strengthen India's domestic macroeconomic profile while foreign liquidity remains favorable globally. Prioritizing growth over inflation targeting will help maximize the current window of opportunity.More from Chris Chang (9)
用 DevOps 思維看待網頁測試 (第二章)
用 DevOps 思維看待網頁測試 (第二章)Chris Chang
?
試想你的開發不就正因為
” 偵測到使用者需求而進行開發 ”，而開發中又 ” 偵測到錯誤進而修改開發 ”，一切都從測試驅動開發(TDD)。
用 DevOps 思維看待網頁測試
用 DevOps 思維看待網頁測試Chris Chang
?
測試是告訴我們，還有事情沒完成，那就捲起袖子把它做對吧!
第一章跟大家分享網頁測試自動化的概念，往後的第二章將會更著重於devops的實踐，並打破舊有迷思。而第三章更會引導讀者透過簡單程式達成網頁測試自動化之效。
浅谈贵颈苍迟别肠丑(7)
浅谈贵颈苍迟别肠丑(7)Chris Chang
?
探討數學和宇宙定理的自然科學可以告訴我們事務的運作法則…
所以當討論對世界的認知和理解這個法則就會成為依循的標準…
我們習以為常, 往往就忽略對事物的真實感受…
銀行過去以業務導向思維去看待客戶，
CX環節打造將會成會銀行未來更重要的一環!浅谈测试笔补谤迟2
浅谈测试笔补谤迟2Chris Chang
?
使用者導向測試會是未來一大重點，
賣的是B2C的服務，但從C2B的角度驅動...
C2B不是新名詞,以前的預購就是這樣的想法,
至於放到測試我們該以甚麼角度看待?
浅谈贵颈苍迟别肠丑(2).辫辫迟
- 3. example 1
- 11. example 2
- 12. 这是玉山银行房屋贷款的其中一页…