摘要： Big Data has swiftly become a dated, catch-all phrase in the online marketing lexicon, but it is undeniable that the amount of data and the speed at which is delivered, is still increasing at an exponential rate. For example, Gartner has predicted that enterprise data will grow 650 percent between by 2020, and IDC has stated that the world’s information now doubles approximately every 18 months.
摘要： The foreign exchange market has been one of the most restricted ones for several decades. Due to the many changes in the exchange rates and additional fees, many users could not comprehend the process of making payments. To make it simple for users, many fintech startups have started coming up with their own solutions to make changes to the overseas payments.
摘要： STO 是證券型代幣，指的是透過代幣的形式，發行表彰財產權或債權的有價證券向大眾募資。 STO 和近年很夯的 ICO 差別在於， STO 必須獲得證券監管機構的許可，安全性更為提升。有人說， STO 是虛擬貨幣的未來應用，是募資的新手段；但本文作者認為， STO 和股權募資很像。台灣政府已在 2015 年開放民間業者經營股權募資平台，然而 4 年過去，卻沒有成功的案例。為什麼？作者將透過下文，帶我們了解 STO 的本質與群眾募資方式，討論台灣股權募資失敗的 3 個原因，以及如果台灣要推行 STO 鼓勵新創募資，要具備怎樣的條件。
