台新金控

insurance

Micro insurance / Financially disadvantaged

To offer basic protections for financially disadvantages, microinsurance provides coverage in areas that the governments social insurance and social welfare programs could not reach. Through the launch of microinsurance, 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.

509 customers

Small amount whole life insurance / Seniors and people with disabilities

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 and people with disabilities, 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.

3 customers

Retirement insurance planning / Seniors and people with disabilities

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).

2,006 customers

Online insurance applications / Digital community

Taishin Bank’s online insurance platform, eFun Insurance, is committed to becoming the insurance platform that best understands the digital customer base. It breaks away from geographical limitations and provides a wide range of specialized products so that the public can complete their insurance applications at home without having to go out, making insurance services simpler, more secure, and more customized.

6,764 customers

Loan

Microfinance / Economically

Individual Repayment Negotiation Program

• Since January 1, 2006, Taishin Bank has been working with financial institutions to provide debt consolidation and negotiation programs such as debt negotiation, pre-negotiation, pre-mediation, and relief programs.
• By negotiating with financial institutions on a repayment plan that meets their repayment ability, debtors are able to make a fresh start, reduce family and social problems, and increase their willingness to repay.

Providing Relief Programs for Disaster Victims

• We provide relief programs for various types of disaster victims (e.g.: Typhoon Morakot victims, Kaohsiung gas explosion victims, Tainan earthquake victims, and Hualien earthquake victims), we provide loan principal and interest extensions and deferred payment measures; For other financial products and debt negotiation payments, we will provide appropriate interest rate reductions or repayment incentives depending on the situation of the affected households.
• We provide relief financing programs for disaster victims with existing mortgages, offering loans of up to NT$500,000, no handling fee, unlimited repayment period, and a maximum grace period of 6 months to help victims rebuild their homes.
• Due to the global COVID-19 outbreak over the last two years, Taishin has been actively cooperating with the government’s policy to provide customers whose livelihoods have been affected and who are in financial difficulties to apply for the labor or SME relief programs (which includes loans for new customers and extension programs for existing customers). We are trying our best to care for and assist affected customers.

• In 2023, there were no large-scale natural disasters, and there were no customers applying to disaster relief programs.
• In 2023, there were 298 new SMEs under the SME Relief Program and 21 existing SMEs who applied for extensions.

Rose Credit Loans of Queen’s festival / Female

On Women's Day, Taishin Bank launched the 38 Women’s Day Rose Credit Loan Program to thank all the women for their commitment and dedication to their families, workplaces, and society. Applying for a credit loan online during the designated period of the event cost only NT$888 (the original cost was NT$9,000), a drastic savings of more than NT$8,000. We strive to provide a full range of services from a perspective that is conscientious, professional, and closely meet the needs of women. It also encourages modern women to express their ideas bravely, break through barriers to for self-exploration, and emphasize and invest in financial planning as early as possible.

Reached a total of 1,940 customers

Wealth management

Retirement trust / Seniors and people with disabilities

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.

According to the quarterly report of trust business statistics provided by the Association, there were 9 beneficiaries

“Internet banking” online financial services / People in remote areas

Through the bank’s online banking service, people in remote areas can easily and independently place orders to invest in domestic and overseas funds, overseas bonds, foreign stocks, foreign ETFs, and other financial products

Used by over 300,000 customers

“Roboking” Fund Portfolio Allocation Suggestion / Newbie Investment

Roboking, built specifically for investment newbies, is set to provide convenient financial trial calculation services and investment strategies for trading funds and ETFs online.

Used by over 1,000 customers

Branch Services / Seniors and People with Disabilities

By installing a service bell at the front door of all branches since Jan. 2015, we aim to guide and assist customers to complete transactions when customers need.

Multi-language ATMs / new immigrants

To support the needs of new immigrants for financial services, we started the ATM remodeling project in September 2020. In addition to the existing Chinese and English versions, we also provide services in multiple languages including Japanese, Korean, Thai, Vietnamese, and Indonesian to provide international tourists, migrant workers, and new immigrants with a friendlier financial services

ATM Integrated services / People in Remote Rural Areas

• Apart from general banking services, Taishin Bank ATMs also provide functions such as bill payment, donation, borrowing/repayment of insurance policy loan, interbank cash deposit, and interbank cardless cash withdrawal. Taishin Bank ranks top among its peers in the number of ATMs deployed, which enables remotely located customers to complete financial services at an ATM near them.
• After receiving FSC approval for launching the Video Teller Machine (VTM) service in 2021, the Bank has expanded VTM services, through which people can enjoy real-time video conferencing with the remote teller for financial advisory and account application services, providing the public with a more convenient financial service.

Barrier-free ATM / Seniors and People with Disabilities

• All the ATM machines of the Bank are of a height suitable for wheelchair users to operate, and there is a section for barrier-free operation, so that wheelchair users can make use of the ATM keypad to conduct ATM transactions easily.
• By setting up height-adjusted ATMs and blindness-friendly ATMs to serve movement-impaired and visually impaired customers, or having user manual printed in Braille for visually impaired, we aim to provide convenient financial services.
• People with disabilities are entitled to a partial waiver of fees for 3 interbank withdrawals, and 3 transfers or deposits each month.

Online Banking / People in Remote Rural Areas

To create more user-friendly online financial services, Taishin Bank has upgraded the Taishin Financial Friendly Services Zone (including Accessible Internet Banking) and the Accessible Internet ATM website, and has obtained the “Web Content Accessibility Guidelines 2.1” Grade A certification. The Mobile Banking Friendly Zone also passed the audit of the Taipei Parents’ Association for the Visually Impaired and provided friendly services such as TWD/foreign currency balance inquiries, transaction details inquiries, scheduled/non-scheduled transfer of TWD, interest rate inquiries, password changes for online banking, quick login setups (with biometric identification functions, such as Facial ID and Fingerprint ID), device authentication application and management, and frequently used account setups.

ePayment or Mobile Payment / People in Remote Rural Areas

New payment tools in our financial services 

To meet the payment collection needs of individual or small-scale merchants, the Taishin merchant APP launched in 2019. It supports scanning the codes of various domestic/international wallets. In 2021, it has expanded and added Visa, Mastercard, and JCB credit card contactless transactions, which uses mobile phone (Taishin merchant APP) as card readers, assisting merchants reducing the cost in renting payment collection equipment. In 2022, Taishin added Discover credit card’s sensing feature. In 2023, Taishin added a CrossAPP feature on the Taishin merchant APP, which continue to optimize products and achieve the goal of inclusive finance.

Diversity of online services

Taishin Bank delivers online services such as credit card, loan application etc. via internet/mobile banking or APPs, and offers diverse payment options including convenient stores, ACH etc. that free customers from restrictions of locations and banking hours. The number of Taishin online users has been rising and the YOY growth in all accounts was 10.1%, the YOY growth in transaction volume was 29.7% in 2023.

Financial camp for children

Low-income individuals, people with disabilities

During the summer of 2023, Taishin Bank and Taishin Securities Investment Trust jointly organized a board game financial management camp, inviting the supplementary classes for disadvantaged children of the Taiwan How Share Association. In addition, in November, Taishin Securities cooperated with the Yuan Sheng Charitable Association in Daliao, Kaohsiung, and invited the elementary school students supported by the association to participate in the financial management camp. Through the gaming learning environment, these children experienced the hard work involved in earning money and realized the importance of investment. Children are expected to identify their needs and wants and, thus, build a correct attitude towards money in their early stage.

Trust seminars for disabilities and the elderly

seniors and people with disabilities

In 2023, Taishin Bank, together with New Taipei City Dali Welfare Association for the Disabled and the Taiwan Gentlemen Association, organized two trust seminars for those with disabilities and the elderly. Through case studies and interactive Q&A sessions, we hope that the participants with disabilities and the elderly, as well as their families can understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Trust seminars for disabilities and the elderly

Those in Remote areas or Have Difficulty Accessing Services

In 2023, Taishin Bank and Taishin Charity Foundation jointly organized a case study seminar for social welfare organizations, hoping to help social welfare organizations have a better understanding of the benefits and support of the trust system, and to help promote trust services to the people in need.

Trust seminars for disabilities and the elderly

People with Disabilities

In 2023, Taishin Bank, in cooperation with the Ai Xin Care Association, organized a seminar on trust for those with disabilities. Through case studies and interactive Q&A sessions, we hope that the participants with disabilities, as well as their families can understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Trust seminars for disabilities and the elderly

Senior Citizens

In 2023, Taishin Bank, in cooperation with the Criminal Investigation Bureau, organized a seminar on trust and case study sharing for those of retirement age. We hope to help the participants of retirement age to better understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Taishin Innovative Finance Laboratory

Young adults

The "Taishin Innovative Finance Lab" demonstrates the transaction scenes of finance and technology, communication, payment, retail, food and beverage, and other cross-industry cooperation, and simulates the blueprint of the future financial ecosystem through experiential marketing to accelerate the advancement of digital and contactless services. In 2023, we invited young people who are studying, starting their own businesses, or awaiting employment at the Taipei Youth Salon, as well as other organizations, to learn about the current and future financial ecosystem through on-site participation, as well as to understand the direction and opportunities of digital and contactless services.

Reduce the handling fee expenses of disabilities

people with disabilities

We provided people with disabilities with a special inter-bank cash withdrawal handling fee offer for 3 times per month, and a special inter-bank transfer + inter-bank deposit handling fee offer for 3 times per month, to reduce the handling fee expenses and encourage the opening of savings accounts.

Provide Mobile payment technology for micro enterprise

Micro enterprise

“Taishin Merchant App” is a mobile cash collection app that supports both iOS and Android, with three major functions: [Contactless payment], [Wallet Scanning Payment], and [Real-time Transaction inquiry]. It is available for use in shopping centers, night markets, by individuals, and by small and micro-enterprises. Micro-enterprises can use cell phones to collect payments directly, reducing the burden of card machine installation costs, and there are no restrictions on the transaction location, making the collection method more flexible. This can help improve business performance and expand the possibility of merchant operations.

Taishin has also produced a video to help small and micro-enterprises use this function to facilitate payment collection.

Local Revitalization x Enterprise ESG Matching Even

Micro enterprise

Taishin Securities has signed a Memorandum of Understanding with the Taiwan Regional Revitalization Foundation to raise the visibility of local entrepreneurship teams that are seriously involved in Taiwan’s environmental sustainability, social sustainability, and local economic revitalization. At the same time, Taishin will utilize its core competence in the financial industry to provide listing mentorship and related course arrangements for the 191 founding partners on the platform, in order to support the sustainable development of local revitalization teams through practical actions.