無中文摘要

On facing the financial technology or FinTech challenges, large proportion of the business, which is traditionally dominated by the financial institution such as banks, are now became the core business of FinTech businesses. Financial market has observed one of the FinTech form of business; the Peer to Peer or Marketplace lending rally ever since year 2010, while the traditional bank’s loan issuance tumbled simultaneously, market share of traditional bank are also diluted by the FinTech challenges. FinTech challenges is a global phenomenon, such concern became financial institution’s priority.

Theoretically, this study developed an integrated KIPs research model amd used the multiple variable analysis performed by SmartPLS statistical software to understand how the financial institution facilitate its intellectual capital to tackle FinTech challenges, and further examine the knowledge enabler to understand which enabler can best amplify the effect of intellectual capital, further explore on which knowledge strategy financial institution can adopt, to strategically tailored the financial institution to form its winning pattern, using such pattern to best cope with the FinTech challenges, the research model developed in this study can be used in future research, to perform an advanced analysis with the improved limitations.

Practically, this study investigate the FinTech challenges to financial institution in Taiwan, also fulfill the current research gaps in lacking of an integrated research model to study about FinTech challenges to financial institution. There are five important findings in this study. First, the System Strategy of Knowledge Management Strategy can significantly influence Knowledge Enabler. Second, T-shaped skills of Knowledge Enabler can best leverage the Intellectual Capital. Third, Relational Capital of Intellectual Capital are key for financial institution to deliver exceptional Business Performance. Fourth, in terms of the Business Performance, financial institution cares its market leadership the most. Fifth, Knowledge Enabler has the most significant indirect effect to Business Performance as well as to Intellectual Capital.

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