Company Profile
Rakuten International Commercial Bank (referred To As Rakuten Bank) Is The First Online-only Bank To Open In Taiwan. It Is Jointly Owned By KGI Financial Holdings And Rakuten Group, Of Which Rakuten Group Holds 51%. The Company Was Established In 2006 , Is Headquartered In Taiwan , And Has A Registered Capital Of 4.90 Billion NT . As A Bank Focusing On Digital Financial Services, Rakuten Bank Is Committed To Providing Customers With Convenient Financial Solutions Through Innovative Technologies.
Regulatory Information
Rakuten Bank Holds A Pure Online Banking Business License Issued By The Taiwan Financial Supervisory Commission (FSC). The License Number Is B-FC-1001 , Which Complies With The Relevant Laws And Regulations Of Taiwan Financial Marekt. The Bank Strictly Abides By The Regulations Of The Regulatory Agencies In The Operation Process To Ensure The Compliance And Transparency Of Financial Services.
Trading Products
As A Pure Online Bank, Rakuten Bank Mainly Provides Stock Trading Services. Customers Can Conduct Stock Trading Operations Through Its Online Platform. In Addition, The Bank Also Cooperates With Third-party Fund Platforms To Provide Account Opening And Trading Services For Fund Accounts.
Trading Software
Rakuten Bank Provides Customers With A Trading Software Based On AIoT (AIoT) Technology , Which Supports The Operation Of Multiple Devices Such As Mobile Phones, Tablets And Computers. The Functions Of The Trading Software Include Real-time Quotes, Trade Order Placement, Account Management, Etc.
Deposit And Withdrawal Methods
Rakuten Bank Supports Various Forms Of Deposit And Withdrawal Operations, Including E-wallet , Third-party Payment Platform And Bank Transfer . All Deposit And Withdrawal Operations Can Be Completed Through Its Online Platform, And Customers Do Not Need To Go To Physical Outlets.
Customer Support
Rakuten Bank Provides Customers With Online Customer Service Support And Telephone Customer Service Support . Customers Can Contact The Customer Service Team Through Its Official Website Or Mobile App For Business Consultation And Problem Solving Services.
Core Business And Services
Rakuten Bank's Core Business Includes:
- Online Stock Trading : Provides Real-time Stock Quotes, Trade Order Placement And Account Management Services.
- Fund Account Services : Cooperate With Third-party Fund Platforms To Provide Fund Account Opening And Trading Services.
- Digital Account Management : Provide Customers With Personalized Account Management Services Through AIoT Technology.
Technical Infrastructure
Rakuten Bank Adopts A Trading System Based On AIoT (AIoT) Technology , Which Provides Customers With More Intelligent And Personalized Financial Services Through Artificial Intelligence Algorithms And Internet Of Things Devices. The Hardware And Software Of The Technical Infrastructure Comply With The Highest Industry Standards To Ensure The Stability And Security Of Customer Transactions.
Compliance And Risk Control System
Rakuten Bank Has Established A Multi-level Risk Management System, Including Data Monitoring, Transaction Monitoring And Compliance Monitoring . Through Real-time Data Analytics And Intelligent Algorithms, Banks Can Quickly Identify And Respond To Latent Risks. In Terms Of Compliance Management, Banks Strictly Abide By The Relevant Regulations Of The Taiwan Financial Supervisory Commission To Ensure That All Financial Services Comply With Legal And Regulatory Requirements.
Market Positioning And Competitive Advantage
Rakuten Bank Is Positioned As A Digital Financial Service Provider . Its Core Competitive Advantage Lies In:
- Technological Innovation : Trading Systems Based On AIoT Technology Provide Customers With Intelligent Financial Services.
- Convenience : The Pure Online Banking Model Allows Customers To Complete Transactions Anytime, Anywhere.
- Partner Ecosystem : Cooperation With Third-party Fund Platforms And Other Institutions To Provide Customers With More Diversified Financial Services.
Customer Support And Empowerment
Rakuten Bank Provides Customers With A Full Range Of Support Services Through Its Online Platform And Customer Service Team. In Addition, The Bank Also Offers Investor Education Courses To Help Customers Improve Their Financial Knowledge And Investment Skills.
Social Responsibility And ESG
Rakuten Bank Focuses On Financial Inclusion In Social Responsibility, Lowering The Threshold Of Financial Services Through Digital Services, And Helping More People Enjoy Convenient Financial Services. In Terms Of ESG (environmental, Social, Governance), The Bank Actively Participates In Green Finance Projects To Promote Sustainable Development.
Strategic Cooperation Ecology
Rakuten Bank Has Established Strategic Partnerships With Several Financial Institution Groups And Technology Companies. For Example, In June 2023, Rakuten Bank Partnered With FundRich Securities To Launch A One-click Fund Trading Account Service, Becoming The First Institution In Taiwan To Achieve Cross-industry Cooperation Between Banking And Fund Platforms.
Financial Health
As Of The Third Quarter Of 2023, Rakuten Bank Has A Management Size Of NT 5 Billion , A Capital Adequacy Ratio Of 12.5% , And A Non-performing Loan Ratio Of 0.2% , Indicating A Healthy Financial Position.
Future Roadmap
Rakuten Bank's Future Development Plans Include:
- Expanding The Scope Of Services : Introducing More Financial Products, Such As Foreign Exchange Trading, Commodity Trading, Etc.
- Deepen Technological Innovation : Continue To Optimize The AIoT Trading System To Enhance User Experience.
- Expand International Markets : Explore Cross-border Financial Services And Enhance Brand Influence.
