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科技金融化時代,以創新為核心,打造金融業人員轉型路--以C銀行為例 / Human resources transformation in the fintech era:a case study of the c bank黃吉良, Huang,Chi Liang Unknown Date (has links)
隨互聯網與數位科技之崛起,FinTech(科技金融)業者與傳統銀行業者的區隔日益模糊,而數位原生代世代來臨,第三方支付、大數據應用、行動支付、互聯網金融服務接連挑戰傳統銀行業者的數位科技應用能力,客戶將面臨更多選擇,無論如何,客戶將感受到越趨便利的金融交易行為與環境。
因應BANK 3.0產業趨勢變化及數位化轉型策略,國內各家金融業皆開始大舉招募資訊、大數據、金融科技、物聯網、電子商務等數位金融專業人才;顯示出在這個跨業、跨界的時代,引進傳統金融背景的人才已無法滿足現在金融業;而原本於傳統金融環境下服務的員工,也勢必將面臨轉型與改變,因此,本研究案將觀察與探索金融業在數位轉型發展趨勢下,如何引進多元人才,打造人員轉型之路。
本研究顯示,金融業須推動新核心價值凝聚變革的共識,提供開放與良善的溝通環境,鼓勵多元想法與做法,吸引數位技術人才;亦需重新定義數位化金融專業能力,協助未來銀行員所須具備有顧客體驗、跨領域思維、數位工具運用等轉型培育計畫,並提供貼近產業脈動與社會趨勢發展之培訓發展資源,強化轉型實力,打造邁向數位金融創新與服務變革的嶄新里程碑。
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以任務分配解決即時金融服務中突發流量及網路不穩定問題 / Task Assignment for Real-time Financial Service System under Bursty Traffic and Unstable Networks陳泰銘, Chen, Tai Ming Unknown Date (has links)
最近,金融科技(FinTech)和行動金融服務,吸引越來越多的目光。新的創新金融科技服務,改變了金融服務的消費行為。行動網路的發展使人們能夠隨時隨地的享受行動銀行的服務已經是個不爭的事實。然而,由於無線網路先天的特性以及行動裝置的移動性,使行動金融的服務品質受到網路不穩定的影響。而且,隨著Bank 3.0時代的來臨,將會有大量的使用者同時使用行動金融服務,特別是在股市開盤以及重大訊息揭露的時候。因著大量使用者瞬間湧入,以及無線網路不穩定的影響,交易系統的效能很可能會時好時壞,所以無法滿足即時金融市場的需求。
本論文中,我們提出「行動銀行訊息即服務」的框架,使系統能夠很容易的水平擴充,並且能夠輕易的實現雙向通訊和雙向交易等多項行動金融服務。為了達到最少成本追求最大利益的目的,我們發展了能夠適應突發流量以及網路不穩定性的任務分配演算法,使得不用增加額外硬體成本的前提下改善系統效能。然後,為了實驗欲模擬大量行動裝置的使用者,我們觀察真實網路的特性並發明了網路延遲自相關模型來驗證我們提出的任務分配演算法。結果顯示,透過此任務分配演算法,確實能夠有效改善系統資源管理的能力。最後,本研究將系統佈署於真實網路環境當中,並且發現進行同樣實驗的結果與採用網路延遲自相關模型的實驗結果一致。因此,本研究間接驗證了網路自相關模型的正確性,以及證明本任務分配演算法,在突發流量和網路不穩定的即時行動金融服務環境下,能有效降低系統響應時間。 / FinTech (financial technology) and mobile financial services are getting more and more attention recently. New innovative FinTech services change the consumption behavior for financial services. It is an indisputable fact development of the mobile Internet allows people to enjoy mobile banking everywhere and anytime. However, due to the nature of wireless networking and the mobility of the mobile device, the quality of mobile financial service will be affected by network instability. Moreover, with the coming of Bank 3.0, a huge amount of users would be in the mobile service of finance simultaneously, especially when the instances of the stock market opening or disclosure of highly important financial message. As the result of bursty traffic and network instability, the performance of transaction system is up and down, making it tough to satisfy the demand of real-time financial markets.
In this thesis, we propose a “Mobile Banking Messaging as a Service Framework” that can easily scale out and fulfill functions comprising Bilateral Communication, Bilateral Trading, and many other mobile financial services. To pursuit of the greatest benefit along with investment of the least resources, we develop the task assignment algorithm which can adapt the system to bursty traffic and unstable networks to improve performance for free. Then, in order to simulate a large number of mobile users, we observe the characteristic of real-world network delay and propose a network delay autocorrelation model to verify our task assignment algorithm. The results of experiment show that we could actually use our task assignment algorithm to improve the ability of the system to manage resource. Finally, we deploy our system in a real-world network delay environment and find that the results obtained in the real condition are the same with our simulation results. Therefore, this research can indirectly verify the correctness of the network delay autocorrelation model, and prove that our task assignment algorithm can effectively reduce the system response time for real-time mobile financial service system under bursty traffic and unstable networks.
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