台新金控

• Taishin Bank endeavors to promote micro-enterprise financial services by launching the "micro-enterprise digital financing platform - e enterprise loan (FAST)", an industry-leading online financing platform for enterprises in 2021. The promotion of digital policies is to solve the inconvenience of the previous cumbersome and lengthy loan application process and to create a new corporate loan experience with a 24-hour uninterrupted loan application service provided. After filling in basic information of the company on the "FAST" loan platform, business owners can use the MOEACA ID card for company identification. The person in charge can complete the identity check with his/her Citizen Digital Certificate or by entering another bank account on the application interface. It takes as little as one minute to complete the application process. The platform significantly reduces the overall loan application process and customer waiting time, creating the best corporate loan application experience.
• Taishin introduced the digital loan application system in 2018 to accelerate review procedures. We launched the "FAST rapid loan" program in 2019 and added online loan application functions. In 2020, we integrated online loan applications and the digital application system and constructed end-to-end procedures to provide small and micro enterprises with convenient channels for obtaining the funds they need for operations. We gradually provided exclusive plans for e-commerce and franchisees to help prevent funding shortages.In 2021, relief programs were crucial for businesses. Taishin has offered a secure and convenient way for businesses to apply for loans. People can apply without leaving their homes by scanning the QR code of the project or visiting the Taishin Bank official website. On-site visits are replaced by video surveys for credit assessment. Identity verification over communication is provided for existing customers. We have been able to help companies ease their capital mobilization difficulties through a zero-contact service process, and through agile execution and digital innovation.

• In collaboration with foreign electronic payment service providers and mobile payment providers, Taishin Bank has integrated various wallet specifications and accounts, providing shopping districts, well-known night markets, individuals and micro enterprises with the shared QR Code service and the Taishin Payment APP that enables collection and payment (through barcode scanning and tap on phone). This allows micro and small businesses to reduce the cost burden of card terminals while enjoying the convenient, integrated cash flow services, which makes it even easier for payment collection and reconciliation.
• Taishin released the Taishin merchant APP, which supports 11 digital payment methods from Taiwan and abroad, a first in the industry. Vendors can use their own smartphones or tablets to collect payments by scanning codes or through contactless technology, thereby reducing the need to spend money on installing card scanning equipment. This solution satisfies the mobile payment requirements of small and micro businesses or individuals.

• Taishin Venture Capital offers real capital to support start-ups:
  At the end of 2022, Taishin Venture Capital had invested 1.8% of capital into businesses that were in their start-up stage, 32.1% in growth-stage businesses, 63.9% in mature-stage businesses, and 2.2% in TWSE/TPEX listed companies.
• Continued investment in solar plants and biotechnology-related industries in 2022. In 2023, investment will continue to center around green energy, information technology and biomedical start-ups.

• To offer basic protections for financially disadvantages, micro insurance provides coverage in areas that the governments social insurance and social welfare programs could not reach. Through the launch of micro insurance, we encourage the financially disadvantaged to arrange commercial insurance within their capacity and seek coverage not only to reduce financial impacts in the event of an accident, but also to care for family members.
• Micro insurance products can be individual or group basis; the main features are low insurance amount, low premium, and easy to understand.

To implement the Trust 2.0 Project of the Financial Supervisory Commission, Taishin Bank has devised standardized contracts based on the mainstream planning of most customers with the needs of senior citizens and the physically and mentally challenged in mind. The Bank also provides personalized contracts according to the special needs of the customers.

The Bank introduced “Reverse mortgage for seniors” that provides assurance to seniors by allowing them to draw monthly financial support from the houses they own.

In response to the effects of low birth rates and aging populations, the small amount whole life insurance, an insurance product promoted to popularize basic insurance coverage for the elderly, includes whole life insurance (the maximum accumulated protection per person raised from NT$500,000 to NT$700,000 with effect from July 1, 2021) that can provide cover in the event of death or total disablement of the insured person. To make it easier for senior citizens to be insured, the small amount whole life insurance policy is simple and easy to understand, and the premiums are lower than other similar types of life insurance.

In view of the aging trend, insurance products, with their features and benefits considered, are suitable as preparation for retirement arrangement. The main products include annuity insurance (e.g. traditional, variable and investment annuities), medical insurance (e.g. catastrophic illness, critical illness, cancer, daily and pay-as-you-go medical insurance) and long-term care insurance (e.g. life insurance for specific injuries and illnesses, and long-term care life insurance).

Integrating the seven major products, “saving, payment, investment, wealth management, loan, insurance, foreign currency” makes Richart APP as simple as a mobile game, helping young people easily cross finance threshold. Not only will it continue to respond to user needs, but will also actively cooperate with other industry partners to provide customers with the required digital financial services in different scenarios through linked open banking technologies, enabling the convenient wealth management, transfer, payment and loan to integrate into users’ lifestyle scenarios. Richart also uses the innovative management and two-way communication of social media platforms (Facebook page, LINE official account, Instagram official account) to raise young people’s degree of likeness and understanding towards finance, introducing it to young people’s life.

Taishin Bank launched Fu Jen Catholic University Affinity co-brand Card that contributes 0.3% of every dollar spending to the school development funds as a support. In the future, Taishin Bank also plans to work with the University’s Hospital to provide hospital-related benefits.In 2022, 1,237 cards were in circulation and the donation amount was NT$575,023.

Taishin Bank issued a co-branded with Cotton Fields . When cardholders consume in a store, a 0.6% of the purchase amount is deducted to give Taiwan’s organic agriculture-related foundations to cover organic certification or transition-to-organic periods. With the hope to increase the number of organic small farmers, and through the positive cycle of consumers, enterprises, and producers, support more organic farmers in Taiwan, produce crops according to the land and seasons, create more good land and food, and seek the development of organic agriculture in Taiwan. In 2022, 12,502 cards were in circulation and the donation amount was NT$333,348.Since its issuance, NT$2.6 million has been returned to the foundation, and customers who identify with friendly land and value public welfare continue to be invited to join.