[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fintech-22-024":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fintech","金融科技力知識檢定","c12",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fintech-22-024","22",24,"下列何者非 BCBS 巴塞爾銀行監理委員會認為純網路銀行對傳統銀行之可能影響？",[13,14,15,16],"收益下降","面臨客戶流失","輔導員工轉型","實體分行增加",3,"純網銀與開放銀行",1,"純網銀以線上通路搶占市場,迫使傳統銀行加速數位化並精簡、整併據點,實體分行的趨勢是減少而非增加,因此「實體分行增加」不是巴塞爾銀行監理委員會(BCBS)所認為的影響,(D) 為正解。BCBS 分析純網路銀行等新進業者的衝擊時指出,傳統銀行可能面臨:(A) 收益下降,利差與手續費遭侵蝕;(B) 客戶流失,尤其是習慣數位通路的客群;(C) 需輔導員工轉型,因應作業數位化後的人力調整,三者皆屬之。","easy",[23,26,30,34,38,41],{"id":24,"question":25,"qno":10},"fintech-19-024","依據中央銀行定義，下列對純網銀敘述何者錯誤？",{"id":27,"question":28,"qno":29},"fintech-19-033","依據我國行政院 2019 年「智慧政府行動方案」，金管會與國發會共同推動「數位服務個人化」應用於金融領域，則此一平臺名稱為何？",33,{"id":31,"question":32,"qno":33},"fintech-19-043","有關開放銀行(Open Banking)敘述，下列何者錯誤？",43,{"id":35,"question":36,"qno":37},"fintech-19-053","有關純網路銀行國際發展狀況，下列敘述何者正確？ A.我國目前開放設立三家純網路銀行 B. 2017 年全球 50 大純網路銀行中有 1\u002F3 以日本為根據地 C.中國大陸的純網路銀行於 2017 年居全球 50 大純網路銀行的前二名 D.與亞洲國家相比，歐美國家主要由電子商務、通訊軟體公司設立或合資",53,{"id":39,"question":40,"qno":10},"fintech-20-024","有關各國純網路銀行發展狀況，下列敘述何者正確？",{"id":42,"question":43,"qno":44},"fintech-20-025","下列何者指的是一個可公開取得的應用程式介面，提供開發人員透過程式化存取一個專有的軟體應用程式？",25,1793070566142]