/zh-tw/tags/%E4%B8%89%E8%8F%B1ufj/Recent content in 三菱UFJ on 最新IT趨勢與資訊Hugo -- gohugo.iozh-twIT NewsThu, 05 Jun 2025 08:40:54 +0900/zh-tw/tech/3-megabanks-to-integrate-atms-a-new-financial-infrastructure-strategy-responding-to-the-%E7%84%A1%E7%8F%BE%E9%87%91-era/Thu, 05 Jun 2025 08:40:54 +0900/zh-tw/tech/3-megabanks-to-integrate-atms-a-new-financial-infrastructure-strategy-responding-to-the-%E7%84%A1%E7%8F%BE%E9%87%91-era/<img src="/img/thumbnail/megabank-atm-integration-zh-tw.png" alt="Featured image of post 3 Megabanks to Integrate ATMs: A New Financial Infrastructure Strategy Responding to the 無現金 Era" /><p>你好! 在本文中, we will cover the news reported on June 4, 2025, regarding the joint operation of ATMs by the three megabanks: MUFG Bank, Sumitomo Mitsui Banking Corporation (SMBC), and Mizuho Bank. This move aims to improve efficiency and user convenience in the financial industry, and future developments are being watched closely.</p> <h2 id="3-megabanks-considering-joint-atm-operations">3 Megabanks Considering Joint ATM Operations </h2><p>It has been revealed that the three megabanks—MUFG Bank, Sumitomo Mitsui Banking Corporation, and Mizuho Bank—have begun discussions toward joint operation of their ATMs. This could make it possible to use each other&rsquo;s ATMs mutually, which is expected to significantly improve convenience for users.</p>/zh-tw/integration/%E4%B8%89%E8%8F%B1%E6%97%A5%E8%81%AF%E9%8A%80%E8%A1%8C%E5%92%8C-wealthnavi-%E5%B0%87%E6%94%B6%E8%B3%BC-moneytree%E6%95%B8%E4%BD%8D%E9%87%91%E8%9E%8D%E6%9C%8D%E5%8B%99%E7%9A%84%E6%96%B0%E7%99%BC%E5%B1%95/Mon, 02 Jun 2025 08:00:00 +0900/zh-tw/integration/%E4%B8%89%E8%8F%B1%E6%97%A5%E8%81%AF%E9%8A%80%E8%A1%8C%E5%92%8C-wealthnavi-%E5%B0%87%E6%94%B6%E8%B3%BC-moneytree%E6%95%B8%E4%BD%8D%E9%87%91%E8%9E%8D%E6%9C%8D%E5%8B%99%E7%9A%84%E6%96%B0%E7%99%BC%E5%B1%95/<img src="/img/thumbnail/mufg-acquisition-moneytree-zh-tw.png" alt="Featured image of post 三菱日聯銀行和 WealthNavi 將收購 Moneytree：數位金融服務的新發展" /><p>嗨好！ 在本文中，我們為您帶來 2025 年 5 月 27 日宣布的有關 MUFG 銀行和 WealthNavi 收購 Moneytree KK 的消息。此舉旨在加速金融業數位化進程，加強個人理財服務。</p> <h2 id="收購概述">收購概述 </h2><p>MUFG 銀行及其合併子公司 WealthNavi 已簽訂基本協議，收購提供資產管理應用程式「Moneytree\」的 Moneytree KK 的所有股份。透過此次收購，三菱日聯金融集團（MUFG）旨在加強作為其數位銀行概念核心的「貨幣諮詢平台（MAP）」的功能，並推動為個人和企業提供的金融服務。</p> <h2 id="moneytree的優勢與未來展望">Moneytree的優勢與未來展望 </h2><p>自2012年成立以來，Moneytree已透過安全開放的金融數據平台連接了超過2500家金融機構和服務，為約120家金融機構和金融科技公司提供API服務「Moneytree LINK」。針對個人用戶，提供資產管理應用程式“Moneytree”，將銀行帳戶、信用卡、電子貨幣、積分、證券帳戶聚合管理於一處，具有人工智慧自動分類和消費通知功能。</p> <p>透過此次收購，MUFG計劃利用Moneytree先進的數據整合技術和人工智慧模型建置能力，將其定位為數位銀行「MAP」的核心功能，該銀行計劃於2026財年下半年開始營運。此外，透過利用Moneytree約650萬用戶的匿名和統計數據，MUFG計劃實現個人化和先進的建議，並促進與MUFG約6000萬客戶群的相互協作。</p> <h2 id="加強企業服務">加強企業服務 </h2><p>在企業領域，三菱日聯金融集團將利用Moneytree的人工智慧驅動的SaaS服務“Moneytree Business”，推動數據驅動的篩選模型和財務管理的進步，為中小企業（SME）提供支援。這也將有助於三菱日聯銀行的中小企業貸款業務，旨在為企業客戶提供高附加價值的金融服務。</p> <p><picture><source type="image/avif" srcset="/img/post/mufg-acquisition-moneytree.avif" sizes="(max-width: 767px) calc(100vw - 30px), (max-width: 1023px) 700px, (max-width: 1279px) 950px, 1232px"><img alt="cover" loading="lazy" src="/img/post/mufg-acquisition-moneytree.jpg"></picture></p> <p>This acquisition symbolizes the progress of digitalization in the financial industry and the advancement of services for individuals and corporations.人們的注意力主要集中在未來的發展上。</p>