5年後台灣約1750家銀行分行會消失 - 金融業討論
By Quanna
at 2015-10-30T13:49
at 2015-10-30T13:49
Table of Contents
http://www.ettoday.net/news/20151027/586552.htm
上周花旗銀針對「Bank3.0國際數位金融發展趨勢與因應策略」向金管會銀行局簡報指出，到2020年全台近3500家銀行分行將有5成消失，由ATM取代大多數分行功能，如開戶、發卡等。此外，機器人理財將是未來新興的理財諮詢模式。
金管會主委曾銘宗日前提出，金融數位化將產生「破壞性創新」，並要求銀行提出員工轉型輔導計畫，其中對銀行衝擊已率先看到，今年包括合庫、渣打銀等大舉裁撤共35家分行，而且是連分行執照都撤消了。
據悉，金管會開放金融業可100%投資包括機器人公司等金融科技（Fin-Tech）後，銀行有意引進機器人理財，並採用輔助理專做諮詢，可降低銀行營運成本、也可提供客製化理財服務。
花旗銀報告預估，5年後，也就是2020年，銀行分行的比重將從2012年的8成下滑到5成以下。分行做傳統存、匯交易也將從28%降到4%。
ATM比重將提升到3成，ATM可開戶、發卡將取代分行一部分的功能。
原文網址: ATM可以開戶發卡！5年後台灣約1750家銀行分行會消失 | ETtoday財經新聞 | ETtoday 新聞雲 http://www.ettoday.net/news/20151027/586552.htm#ixzz3q1mRjHN3
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讓我想到10幾年前證券跟期貨營業員也很好賺搶手
結果現在一堆人都用網路下單,連老人也都網路下單
現在證券跟期貨營業員紛紛離職薪水也都剩下2萬多,
然後證券營業員還要去拉保險基金信用卡
之前大家覺得很穩定的公股銀行櫃檯,做的卻是最不賺錢的存錢
提款以及對銀行毫無貢獻的客人,未來可能會跟台北銀行一樣
不是被民營銀行吃掉不然就是強迫性的轉型為理專跟銀行的櫃檯保險業務員
大家必須要思考中年失業的問題
BANK3.0有可能會讓銀行櫃檯以及非業務人員成為現在的證券營業員
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