本研究旨在探討台灣開放銀行政策推動之困境，並藉由比較國際案例，提出具體建議以促進其發展。台灣自 2019 年起採自願參與、三階段推動模式，但至2024 年第三階段實施成效不彰，市場參與度偏低。研究透過文獻整理與國際個案—香港、英國、澳洲比較，歸納出台灣在金融機構意願不足、第三方服務業者(Third-party Service Providers, 後稱 TSP 業者，泛指金融科技業者)誘因偏低、使用者體驗不佳與主管機關缺乏法規支持等問題。進一步提出：建立跨行數據整合機制、引進分級參與架構與技術支援、強化消費者資料權利、由主管機關主導成立專責推動單位等建議，期能促進市場活化與創新金融發展潛力。

This study investigates the barriers to open banking development in Taiwan and proposes policy recommendations based on international experiences. Although Taiwan adopted a voluntary, three-phase approach since 2019, the third phase launched in 2024 has seen low participation and limited market response. Using case studies from Hong Kong, the UK, and Australia, this research identifies core issues such as limited incentives for financial institutions and third-party service providers (TSPs), poor user experience, and lack of regulatory enforcement. The study suggests improving cross-bank data integration, implementing tiered participation and support frameworks,
enhancing data portability rights, and establishing a dedicated coordinating body led by regulators to drive open banking adoption and innovation in Taiwan.

論文審定書 i
摘要 ii
Abstract ii
圖目錄 v
表目錄 vi
第一章 緒論 1
1.1 研究背景 1
1.2 研究問題 3
1.3 研究方法 4
1.4 研究架構 5
1.5 研究貢獻 5
第二章 文獻回顧 6
2.1 開放銀行的起源與法規歷程 6
2.2 API應用與金融創新的風險與挑戰 6
2.3 使用者的接受度與影響 7
第三章 台灣開放銀行歷史沿革與發展問題 8
3.1 歷史沿革 8
3.2 發展問題 10
3.2.1 金融機構的發展困境與問題 10
3.2.2 TSP業者的發展困境與問題 13
3.2.3 使用者的問題 15
3.2.4 主管機關的發展困境與問題 17
第四章 國外開放銀行案例探討 19
4.1 香港 19
4.1.1 發展背景與現況 19
4.1.2 案例探討－轉數快App-to-app與Web-to-App支付功能 21
4.1.3 案例探討－戶口互聯 24
4.2 英國 27
4.2.1 發展背景與現況 27
4.2.2 案例探討－Plend 28
4.2.3 案例探討－GoCardless 30
4.3 澳洲 32
4.3.1 發展背景與現況 32
4.3.2 案例探討－CDR Access Models 33
4.3.3 案例探討－Basiq與The Property Accountant 36
第五章 台灣開放銀行發展建議 39
5.1 國外案例啟示 39
5.2 金融機構的發展建議 40
5.3 TSP業者的誘因機制 41
5.4 提升使用者體驗的策略 41
5.5 主管機關的政策建議 42
5.6 研究限制 43
參考文獻 44
附錄 57

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