A Study on Business Model of Installment in Consumer Banking

• Main Authors: Chih-Chi Chou, 周致祺
• Other Authors: Wun-Hua Chen
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/4px3hv

碩士 === 國立臺灣大學 === 商學研究所 === 105 === Installment is a common commercial behavior in our daily life. It moves unaffordable current expense to later periods by combination of loan and consumption. For business, it is also a way of payment for promoting consumers to buy more. Through the trend of Fintech, more and more business of financial service supplied consumers with more convenient life or high-quality consumption in payment, lending or installment and build creative business model. This study aims to do a systemic analysis via research on installment, Fintech, and lending, and observed the consumer environment of installment in Taiwan as well as related business and consumer interview to depict the demand and motivation of installment. By combination of the above, this thesis provides recommendations on operating installment platform in Taiwan market. This thesis suggest that the business focus on the young and students, with high potential purchasing power in the future. Through installment, the business could obtained these customers and is good at marketing other financial service in the future. The study also anticipate the probability of cooperation between installment business and credit card, and have the credit card became the payment tool of installment.