| Summary: | 碩士 === 國立臺灣科技大學 === 財務金融研究所 === 107 === Blockchain technology is the most important innovation behind Bitcoin. It is a decentralized trust mechanism. A blockchain has four key characteristics: distributed ledgers, secure encryption, smart contracts and consensus mechanism. This study is focus on how the underlying technology of the blockchain can improve the traditional business processes of the financial external confirmation. In addition, it explores the benefits of blockchain technology in the financial industry through an extensive literature review. It also follows a case-study design, with in-depth analysis of the impact of the "Blockchain Financial External Confirmation" service in 2018. Finally, it discuss the implication of the findings to future research into Taiwan financial industry.
The conclusions of this study are as the following:
1.Currently, the blockchain technology is suitable for applications, which the transaction time is not immediate. The financial external confirmation process does not require speedy clearance. All participants includes accounting firms, banks and many enterprises can effectively improve their efficiency through the blockchain.
2.The financial blockchain external confirmation can reduces a lot of postal cost, time cost, work force and operational risks. It also decrease the risk of re-inquiry.
3.Blockchain combines multiple technologies. We need to classify the characteristics of financial services first in order to effectively apply blockchain technology into business processes.
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