[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fintech-21-056":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fintech","金融科技力知識檢定","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fintech-21-056","21",56,"依 WEF(2015)報告，金融創新對金融產業的影響，下列敘述何者正確？",[13,14,15,16],"金融創新對保險業影響較銀行輕微","破壞式創新屬短期事件，監理機關可單獨因應","以平台化與資料密集模式進入高獲利市場，重塑金融業生態","金融創新多發生於低獲利且易獲取服務的領域，對產業衝擊有限",2,"金融科技的發展演進",1,"WEF(2015)指出金融科技業者以平台化、資料密集的營運模式，切入金融業獲利最高的市場，正在重塑產業生態，故(C)正確。(A)錯，保險業受衝擊同樣顯著；(B)錯，破壞式創新是持續過程，監理須跨機關甚至跨國合作因應；(D)錯，創新恰集中於高獲利領域，衝擊重大。","medium",[23,26,30,34,38,41],{"id":24,"question":25,"qno":19},"fintech-19-001","當現代化的自動清算機構的出現，加速了金融業的數位科技發展，也使得金融業在交易與溝通上都有大幅改變時，我們將之稱為金融科技發展的何種階段？",{"id":27,"question":28,"qno":29},"fintech-19-012","下列何項金融科技服務是因新冠疫情出現，成為後新冠疫情時代的重點工作之一？",12,{"id":31,"question":32,"qno":33},"fintech-19-031","下列何種金融服務較不會被金融科技公司取代？",31,{"id":35,"question":36,"qno":37},"fintech-19-032","美國富國銀行執行長於 2017 年 1 月演講中表示「金融科技機構運用科技的基本原則」，下列何者非其本意？",32,{"id":39,"question":40,"qno":19},"fintech-20-001","下列敘述較符合金融科技發展的何種階段？「金融監理法規大量增加，資通業快速發展，非銀行(Nonbank)的新創公司有機會推銷其利基型的金融商品與服務給一般消費者、公司行號、甚至是傳統金融業者。」",{"id":42,"question":43,"qno":44},"fintech-20-016","下列敘述，何者非屬金融科技發展路徑圖 2.0「推動面向四、提升金融包容性及數位金融普及推廣金融科技技術與應用」之具體推動事項？",16,1783326487420]