隨著金融科技的發展，數位金融的普及程度日增，我們的日常生活已經與數位金融結合。行動支付越來越便利，它結合人工智慧並強化銀行功能，能隨時回應客戶的財務需求，銀行的服務正在轉變成智慧型工具。在人工智慧所帶來的機會下，現今台灣的銀行業是如何應用人工智慧的，而未來又該如何發展相關的人工智慧策略並加以應用。
本研究採用文獻分析法及個案研究法，主要為分析人工智慧結合數位金融的改變下對銀行有何影響及我國目前數位金融的實務應用與發展趨勢。本研究將利用個案銀行(T 銀行及 C 銀行)為例，深入探討該數位銀行的現況，以及如何在數位金融發展中領先於其他商業銀行的成功因素，提出兩大銀行推出的數位金融品牌，是如何結合人工智慧的應用，帶給顧客便利。讓銀行從一個場域的概念，轉變成無處不在。

With the development of financial technology, the popularity of digital finance is increasing, people initiate to rely on technology gradually, and our daily life has been integrated with digital finance stealthily. In addition, mobile payments are becoming more convenient than usual, combining with artificial intelligence to enhanced banking functions to respond to customers' financial needs at any moment, and transforming banking services into an intelligent tool. Given the opportunities brought by artificial intelligence, how is artificial intelligence being applied in the banking industry of Taiwan today and how should we develop and apply relevant artificial intelligence strategies in the future.
This study uses the literature analysis and the case study method to analyze the impact of AI combined with the changes of digital finance on banks and the current trend of digital finance application and development in Taiwan. Furthermore, this study will take the example of case banks (T-Bank and C-Bank) to explore the current situation of the digital banking industry and how to lead other commercial banks in digital finance. Transforming banks from a field concept to ubiquitous. “Banking is everywhere, never at a bank.”

中文摘要	I
英文摘要	II
表目錄	IV
圖目錄	V
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 5
第三節 研究方法 6
第四節 研究流程 14
第二章 人工智慧 15
第一節 人工智慧的定義 15
第二節 人工智慧的優缺點 21
第三節 人工智慧的應用 26
第三章 數位金融	39
第一節 數位金融的定義 39
第二節 數位金融在銀行業之應用 44
第三節 台灣數位金融的政策與發展 50
第四章 我國銀行業應用人工智慧與數位金融之個案分析 57
第一節 以T銀行為例	57
第二節 以C銀行為例	68
第三節 個案比較分析 75
第五章 結論 77
第一節 研究發現與結論 77
第二節 後續研究之建議 79
參考文獻	80

表目錄
表 1-1文獻分析法的優勢 8
表 1-2文獻分析的侷限 9
表 1-3個案研究的特性 13
表 2-1人工智慧日常應用 26
表 2-2 AI成熟度階段 29
表 3-1數位金融環境3.0線上辦理業務項目 44
表 3-2監管數位金融發展的政策法規 51
表 3-3數位金融發展之要點 56
表 4-1 T銀行數位存款帳戶數統計 63
表 4-2 Richart數位帳戶特色 64
表 4-3智能投資特色 66
表 4-4 C銀行信用評等 69
表 4-5 C銀行數位存款帳戶數統計 70
表 4-6 KOKO數位銀行特色 72
表 4-7 T銀行與Ｃ銀行在人工智慧與數位金融應用之比較 76

圖目錄
圖 1-1研究流程 14
圖 2-1人工智慧發展史 17
圖 2-2企業各部門AI導入情況	27
圖 2-3台灣企業AI成熟度曲線	30
圖 2-4台灣各行業企業AI成熟度分布 30
圖 2-5 AI導入目標	31
圖 3-1全球金融科技總投資活動 46
圖 4-1 Richart App介面 1	62
圖 4-2 Richart App介面 2	62
圖 4-3 KOKO數位銀行App介面1 71
圖 4-4 KOKO數位銀行App介面2 71

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三、 網路來源 
台灣金融業將改頭換面?關鍵在這四大應用:
https://www.cmmedia.com.tw/home/articles/16439
台新銀行簡介:
https://www.taishinbank.com.tw/TSB/about-taishin/brief-introduction-to-the- bank/taishin-story/index.html
金融監督管理委員會銀行局:
https://www.banking.gov.tw/ch/home.jsp?id=157&parentpath=0,4&mcustomize=bsta tistics_view.jsp&serno=201105120009
台新金控信用評等:
https://www.taishinholdings.com.tw/Investors/Investors_03.jsp
2020 第三屆《遠見》FinTech 大調查出爐!台新蟬聯首獎成大贏家 https://www.gvm.com.tw/article/76105
金融監督管理委員會銀行業務資訊揭露:
https://www.banking.gov.tw/ch/home.jsp?id=590&parentpath=0&mcustomize=multi message_view.jsp&dataserno=201911270001&dtable=Disclosure
〈銀行家觀點〉人工智慧執行亮點與展望 金融業應用 AI 趨勢正夯: https://ec.ltn.com.tw/article/breakingnews/3032593
「打造數位化金融環境 3.0」推動情形: https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_vie w.jsp&dataserno=201502100002&toolsflag=Y&dtable=News
台新 Richart 值得開戶嗎?2 大優惠與 3 大特色評價點這 https://www.hankexploring.com/%E6%95%B8%E4%BD%8D%E5%B8%B3%E6%8 8%B6-richart/
國泰世華數位專區:
https://www.cathaybk.com.tw/cathaybk
國泰智能投資運作說明:
https://www.cathayrobo.com/welcome/algorithm/
關於 KOKO 數位銀行: https://www.kokobank.com/BANK/Home/AboutKOKO
2021 年數位金融將主導金融服務業發展: https://view.ctee.com.tw/monetary/25600.html
台新銀推 3 大宅金融 協助全民啟動防疫數位生活: https://money.udn.com/money/story/5617/5498983?from=edn_catehotlist_story
app 也要斷捨離 為何每 6 個年輕人就有 1 個是 Richart 用戶? https://www.cw.com.tw/article/5106989?template=transformers
How Artificial Intelligence Helps Banks Offer Personalized Banking Experience: https://medium.com/@ameliaadavies/how-artificial-intelligence-helps-banks-offer- personalized-banking-experience-c8fe3695d362
A simple way to explain the Recommendation Engine in AI: https://medium.com/voice-tech-podcast/a-simple-way-to-explain-the-ecommendation- engine-in-ai-d1a609f59d97
Digital finance and its impact on financial inclusion: https://www.researchgate.net/publication/330933079_DIGITAL_FINANCE_AND_I TS_IMPACT_ON_FINANCIAL_INCLUSION
Can Machines Think?: https://sitn.hms.harvard.edu/flash/2017/history-artificial-intelligence/
Pulse of Fintech H2 2020 – Global insight: https://home.kpmg/xx/en/home/insights/2021/02/pulse-of-fintech-h2-20-global.html
The impact of artificial intelligence in the banking sector & how AI is being used in 2021:
https://www.businessinsider.com/ai-in-banking-report
16 Examples of Artificial Intelligence (AI) in Your Everyday Life: https://medium.com/@the_manifest/16-examples-of-artificial-intelligence-ai-in-your- everyday-life-655b2e6a49de
5 AI applications in Banking to look out for in next 5 years: https://www.analyticsvidhya.com/blog/2017/04/5-ai-applications-in-banking-to-look- out-for-in-next-5-years/
Advantages and Disadvantages of Artificial Intelligence: https://www.simplilearn.com/advantages-and-disadvantages-of-artificial-intelligence- article
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WHAT ARE THE DISADVANTAGES OF AI?: https://www.proschoolonline.com/blog/what-are-the-disadvantages-of-ai
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