Author: Grace Ku, Cheng-Yun Tsang, LCS & Partners

The rapid development of technology and the disruptive innovations reshaping the global financial ecosystem are accelerating. From product services, transaction models, market boundaries to regulatory thinking, each key aspect of the financial system is undergoing unprecedented changes and challenges. This book focuses on the development of financial technology in three core areas: "Payments," "Financing," and "Investment." It addresses legal and regulatory issues in fields such as "Mobile Payments," "P2P Lending," "Equity Crowdfunding," and "Robo-Advisory," and takes a broader perspective on financial infrastructure to explore the opportunities and challenges posed by virtual currencies, blockchain, and the cashless era.

• Section 1: General Overview
  The New Financial Era: An Overview of the FinTech Industry
  Exploring Taiwan’s FinTech Regulatory Thinking through the "Regulatory Sandbox" System
  The Legal Challenges of the Sharing Economy and Shared Finance

• Section 2: Blockchain and Virtual Currencies
  The Use and Outlook of Blockchain
  A Legal Perspective on the Development and Restrictions of Virtual Currencies in Taiwan – Focusing on Bitcoin

• Section 3: Electronic Payments
  The Past, Present, and Future of Taiwan's Payment Tools
  The Lessons from Digital Technology Cases for Taiwan’s Third-Party Payment
  The Development and Limitations of the Yu’e Bao Model in Taiwan
  Legal Issues in Apple Pay Mobile Payments
  Promises and Challenges of a Cashless Payment Era

• Section 4: Online Lending Transactions
  Analysis of Trends in P2P Online Lending Platforms
  Prospects for Small and Medium-Sized Enterprises' Network Lending – P2B Platforms

• Section 5: Equity Crowdfunding and New Financing Instruments
  Introduction
  Overview of Equity Fundraising for Startups
  Development Overview of Crowdfunding
  New Financing Methods for Startups – SAFE (Simple Agreement for Future Equity)

• Section 6: Robo-Advisory
  Looking at the Development and Regulatory Direction of Robo-Advisory from the U.S. Experience
  The Current Status and Future Outlook of Robo-Advisory Development in Taiwan