金融科技大未來 | 宋 志強 | TEDxTainan

The speaker discusses the evolution of banking and financial services in Taiwan, starting with the inconvenience of traditional banking for the elderly and disabled. The introduction of online ATMs and dynamic passwords (OTP) in response to fraud and data theft improved security and accessibility. The speaker also highlights the development of deposit-taking ATMs in convenience stores, extending banking hours beyond traditional bank branches. The launch of mobile banking in 2010 further revolutionized services, allowing users to pay bills, transfer funds, and even buy groceries via their phones. This shift towards embedded banking aims to make financial services available anytime, anywhere, defining inclusive finance. Looking ahead, the speaker emphasizes three key areas: payments, cross-border transactions, and decentralization through blockchain, all aimed at reducing friction and benefiting the public. Finally, the importance of social responsibility in leveraging technology for human well-being is stressed.