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虛擬銀行——傳統銀行與互聯網的結合

在二零一九年五月上旬,金管局已經將八個虛擬銀行牌照全數發出,這意味着香港銀行業的革命已經正式開始。香港作為世界知名的金融中心,銀行業發展蓬勃,在一個區區只有七百萬人的都市,已經吸引了超過一百六十間傳統持牌銀行進駐,平均每十萬人就有21.43間銀行分行,遠高於全球平均的12.6間[1]。香港銀行業的競爭如此激烈,到底虛擬銀行到底何去何從?

虛擬銀行的獨特之處

虛擬銀行的定義是沒有實體分行的銀行,當中所有服務或交易例如借貸、存款等都可以在網上進行。其實銀行服務電子化趨勢存在已久,各大銀行亦早已經推出了自己的手機應用程式,但虛擬銀行的最大優勢並非專注單純的電子化,而是透過新興金融科技的應用,從而進一步提升銀行業的營運效率。簡單舉一個例子,平時客戶想向銀行借貸,借貸手續往往非常繁複,有別於平時傳統銀行的查核信貸評級,虛擬銀行則是透過大數據等技術快速評估客戶的信貸評級,虛擬銀行的運用的技術更能快速而全面地分析客戶。

虛擬銀行為金融市場帶來的衝擊

自從各大互聯網公司開始積極開放金融科技業務,傳統銀行的地位亦開始站不住腳,紛紛推出擁抱互聯網的升級方案,推出虛擬銀行。香港作為國際金融中心,在內地金融科技發展的影響底下,虛擬銀行的引入無疑會為銀行業帶來革命性的衝擊。隨著網絡及智能手機普及化,作為金融支付的重要角色,銀行的核心本質並未改變,但支付形態與工具已經不同,由傳統紙張及錢幣的交易模式轉化為以電腦、手機網絡等為交易媒體,並用數據轉移的形式就可短時間內完成資金調撥及金融流動等動作。因此傳統銀行已無法取悅用戶對於效率的需求,而虛擬銀行正正能夠針對這一點,為用戶提供全天候服務,並迎合用戶個人需要,改變現時銀行業界的生態。

虛擬銀行的隱憂

雖則虛擬銀行的推出能夠為傳統銀行服務業引入轉變及新思維,與此同時中小型銀行未必能夠承受該龐大衝擊,更對它們的營運構成即時威脅。要保證虛擬銀行的推出後仍然能夠保留一定的客戶,傳統銀行的技術產品必須不斷推陳出新,而往往由於中小型銀行欠缺足夠資金及反應去面對挑戰,因此導致它們慢慢逐漸被淘汰。

另一邊廂,由於開發虛擬銀行需要大量科研成本,一眾大行因風險寵大並不願做「開荒牛」,更遑論眾多中小型銀行願意率先冒險開發技術。故此,虛擬銀行的門檻過高亦是令銀行業界卻步的重要因素之一。有見及此,要在短期內廣泛應用虛擬銀行並不可行,而技術方面的不成熟更會大大打擊客戶信心。

其次,鑑於虛擬銀行並沒有實體分行,客戶的信心將完全取決於對該銀行的信任,再加上網絡安全的問題,推出計劃的短期內或會令大多數用戶卻步。除此之外,對於老一輩而言,基於對電子化操作的抗拒虛擬銀行亦會為他們帶來不便,實體銀行的存在仍然必要,故此要令虛擬銀行受到廣大市民所接納仍需要一段時間。

金融電子化的安全性問題依然存疑。儘管虛擬銀行的推出能夠為現今社會提供多一個管理資產的方法,但假若個人資料得不到足夠的保障,資料外洩的問題只會加劇,甚至會出現客戶資產被盗取的情況,讓不法分子有機可乘。而要解決保安問題並非短期內能夠做到,若然問題尚存在則難以吸引銀行引入技術,最終拖慢金融科技發展。



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