本文的重點為探討金融科技如何幫助企業在營運上更具效率，文章透過三大議題（區塊鏈之應用、API之應用、Green Fintech）去佐證該論述。首先先分析區塊鏈在單一集團的整合應用、產業應用和國家應用三個方向上的案例，最後並提供一個全面的區塊鏈應用架構。接著，從API的個案發現金融科技中使用API可以提高系統整合能力、降低開發成本、提高效率並促進創新。最後，Green Fintech的應用重點在於幫助企業和個人在達成碳中和目標的過渡期中以較有效率且可信度高的方式適應綠色轉型，幫助台灣中小企業完成淨零減碳的目標，免於被踢出綠色供應鏈並提高其在市場上的競爭力。從上述的案例發現金融科技確實可以降低金融服務的進入門檻，提高金融服務的效率和便利性，並幫助中小型企業以及過去被忽略而較難獲得金融服務的低收入族群滿足其金融服務的需求。

The target of this article is to explore how financial technology help businesses become more efficient in their operations. The article supports this argument through three main topics: the application of blockchain, the application of APIs, and Green Fintech. First, the article analyzes case studies of blockchain integration within a single organization, industry-wide applications, and national-level applications. It also provides a comprehensive framework for blockchain implementation. Next, the article examines the application of APIs in financial technology and highlights how they can enhance system integration, reduce development costs, improve efficiency, and foster innovation. Finally, Green Fintech aims to assist businesses and individuals in transitioning to a greener economy, effectively and with high credibility, to achieve carbon neutrality goals. It specifically focuses on helping Taiwanese small and medium-sized enterprises achieve their decarbonization targets, avoid exclusion from green supply chains, and enhance their competitiveness in the market. The aforementioned case studies demonstrate that financial technology can indeed lower the barriers to financial services, improve their efficiency and convenience, and help small and medium-sized enterprises as well as underserved low-income populations access the financial services they need.

論文審定書 i
誌謝 ii
摘要 iii
Abstract iv
目錄 v
圖次 vii
表次 viii

第一章 緒論1
第一節 研究背景與動機1
第二節 研究目的7
第三節 研究流程9
第二章 文獻回顧11
第一節 金融科技的定義11
第二節 臺灣金融科技的近況與展望12
第三節 金融科技對企業營運的效益16
第三章 研究方法18
第一節 個案研究法研究流程18
第二節 主題選擇的原則與考量20
第四章 區塊鏈的應用21
第一節 區塊鏈介紹21
第二節 單一集團的應用26
第三節 產業的應用28
第四節 國家的應用-以新加坡NTP為例31
第五節 臺灣的區塊鏈應用37
第六節 臺灣區塊鏈應用現況與國外案例之比較與建議40
第五章 API的應用42
第一節 API介紹42
第二節 借貸47
第三節 跨國支付49
第四節 臺灣API應用現況與國外案例之比較與建議51
第六章 Green Fintech53
第一節 碳定價制度54
第二節 綠色金融科技之應用案例55
第三節 臺灣Green Fintech應用現況與國外案例之比較與建議59
第七章 結論與建議61
第一節 研究結論61
第二節 研究限制與建議63
參考文獻64

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