|dc.description.abstract||Fintech is a term used to describe financial technology, an industry encompassing any kind of technology in financial services - from businesses to consumers. Fintech becomes the help finance service to draw close to in the will of the people, and forecasts each service development for the nowadays finance entrepreneur the key point.
In the past, financial transactions and services were limited to physical banks, and everyone has a life experience that spent waiting time in the bank. Some need simple banking service, such as: opening account, paying a fee, handing a credit card, exchange currency, etc. In the wave of financial technology, the bank financial services will improve efficiency and convenience through digitalization. Application of fintech in bank inquiry service and online transaction. The Financial Supervisory Commission R.O.C.(Taiwan) 2019 has issued three internet-only bank, actively promote the creation of a digital financial environment in the Financial Management Commission, and open up online business development projects in accordance with the needs of banking business.
This study involves a case study, Chang Hwa Commercial Bank , as attempted to verify the efficiency of e財寶 program which is a digital deposit account newly implemented to conform to the mainstream of Fintech development. This paper collects the basic data and transaction records of digital deposit customers, including investment and consumption data. Through statistical analysis and data exploration technology, it finds out the customer characteristics and the relationship between current products and trading items. It is hoped to analyze the future marketing direction of digital deposit accounts combined with financial products by understanding customers′ use of digital account financial products.||en_US|