| Summary: | 碩士 === 國立彰化師範大學 === 工業教育與技術學系 === 107 === Fintech is the combination of financial and
technological. The purpose is to make financial services
more efficient and convenient.
According to the previous literature, mostly of them
focus on the destructive innovation model of fintech,
including the possibility of the future, the destructiveness of traditional financial institutions, the regulation of laws, the security of information, etc. In contrast, few of literature focus on the dominant design and the diversification of technological. Therefore, we will to explore the development of fintech and relation impact of dominant design with the view of diversification. And observed development of various technological fields and occure of dominant design by diversification.
The study uses patent analysis methods to explore
fintech database on USPTO, including we focus on
generality, originality, technological impact and industry
category. The study found that the generality and originality are correlation with diversification; in technological impact, the number of inventors and claims aren’t correlation with diversification; and the development of fintech is more suitable by the financial industry.
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