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虛擬銀行——傳統銀行與互聯網的結合

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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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