無論是金融科技(FinTech)還是科技金融(TechFin)，近十年來，科技顛覆了金融服務的提供方式。純網銀的出現完美演繹「金融服務的本質就是虛擬」，給予我們重新思考科技與金融服務的共榮共生。

Technology has disrupted the way of how financial services have been provided with. The emergence of virtual banks demonstrates that the essence of financial services is de facto virtual. The co-existence and the co-development of technology and financial services make us rethink the future of financial institutions.