台新新光金控

insurance

Small amount whole life insurance / Seniors and people with disabilities

In response to the effects of low birth rates and aging populations, the small amount whole life insurance, an insurance product promoted to popularize basic insurance coverage for the elderly and people with disabilities, includes whole life insurance that can provide cover in the event of death or total disablement of the insured person. To make it easier for senior citizens to be insured, the small amount whole life insurance policy is simple and easy to understand, and the premiums are lower than other similar types of life insurance.

1 customers

Retirement insurance planning / Seniors and people with disabilities

In view of the aging trend, insurance products, with their features and benefits considered, are suitable as preparation for retirement arrangement. The main products include annuity insurance (e.g. traditional, variable and investment annuities), medical insurance (e.g. catastrophic illness, critical illness, cancer, daily and pay-as-you-go medical insurance) and long-term care insurance (e.g. life insurance for specific injuries and illnesses, and long-term care life insurance).

4,829 customers

Online insurance applications / Digital community

Taishin Bank's online insurance platform, eFun Insurance, is committed to becoming the insurance platform that best understands the digital customer base. It breaks away from geographical limitations and provides a wide range of specialized products so that the public can complete their insurance applications at home without having to go out, making insurance services simpler, more secure, and more customized.

9,298 customers

Loan

Microfinance / Economically disadvantaged group

In line with the post-pandemic revitalization project of the credit guarantee fund, legally registered profit-making businesses with only tax registration or micro-enterprises with less than 5 employees will be provided with corporate loans at interest rates ranging from 1.72% to 2.22% if their monthly turnover decreases by 15% from 2022 to 2025, in order to assist customers in capital turnover.

221 customers

Micro-Enterprises with Female Business Owners - FAST x Beauty/Female

Taishin Bank launched the "FAST x Beauty" for "female business owners" during the 83 Rose Festival. During the campaign period, an application may be made on the campaign website to enjoy a preferential interest rate of 1.83% for the first three installments, assisting female business owners in realizing their dreams.

122 customers

Wealth management

Retirement trust / Seniors and people with disabilities

To implement the Trust 2.0 Project of the Financial Supervisory Commission, Taishin Bank has devised standardized contracts based on the mainstream planning of most customers with the needs of senior citizens and the physically and mentally challenged in mind. The Bank also pro[1]vides personalized contracts according to the special needs of the customer

According to the quarterly report of trust business statistics provided by the Association, there were 21 beneficiaries.

“Internet banking” online financial services / People in remote areas

Through the bank's online banking service, people in remote areas can easily and independently place orders to invest in domestic and overseas funds, overseas bonds, foreign stocks, foreign ETFs, and other financial products.

Used by over 400,000 customers

"Easy Go" Online Financial Consultation Service/ People in remote areas

"Easy Go" breaks the limit of time and space, allowing customers to enjoy professional financial consulting right from their couch. Financial assistants will first enter all the investment or foreign exchange transactions information online. Afterwards, customers can log in their online account to confirm and close the deal. Everything is completed remotely and seamlessly

Used by over 1,000 customers

“Roboking” Fund Portfolio Allocation Suggestion / Newbie Investment

Roboking, built specifically for investment newbies, is set to provide convenient financial trial calculation services and investment strategies for trading funds and ETFs online.

Used by over 1,000 customers

Richart Sub Account/Young Generation

Using a main & sub account system makes it convenient for users to manage their finances separately for different purposes. (For example, the main-account is used for daily expenses, sub-account 1 is used for investment management, sub-account 2 for leisure and entertainment, sub-account 3 for a dream fund, etc. A fixed amount can be set to transfer to each sub-account every month), which helps young people control their spending, invest wisely, and achieve their dreams and goals.

Over 500,000 customers

Branch Services / Seniors and People with Disabilities

By installing a service bell at the front door of all branches since Jan. 2015, we aim to guide and assist customers to complete transactions when customers need. Reading glasses are also provided at the desks for the elderly to use.

Multi-language ATMs / new immigrants

In order to meet the financial needs of foreign residents, local migrant workers and new immigrants, and implement friendly finance, Taishin Bank has added seven languages (including Japanese, Korean, Thai, Vietnamese, and Indonesian in addition to the existing Mandarin Chinese and English) to the interfaces of ATM transactions since 2020 such as withdrawal, transfer, deposit, balance inquiry, change of password, and Visa Money Transfer which are often used by foreign workers, new immigrants, and tourists. In 2024, the usage of multilingual services of ATM transactions grew by 11%, with English, Vietnamese and Indonesian accounting for the majority at approximately 90%.

ATM Integrated services / People in Remote Rural Areas

• Apart from general banking services, Taishin Bank ATMs also provide functions such as bill payment, donation, borrowing/repayment of insurance policy loan, interbank cash deposit, and interbank cardless cash withdrawal. Taishin Bank ranks top among its peers in the number of ATMs deployed, which enables remotely located customers to complete financial services at an ATM near them.
• After receiving FSC approval for launching the Video Teller Machine (VTM) service in 2021, the Bank has expanded VTM services, through which people can enjoy real-time video conferencing with the remote teller for financial advisory and account application services, providing the public with a more convenient financial service.

Barrier-free ATM / Seniors and People with Disabilities

• All the ATM machines of the Bank are of a height suitable for wheelchair users to operate, and there is a section for barrier-free operation, so that wheelchair users can make use of the ATM keypad to conduct ATM transactions easily.
• By setting up height-adjusted ATMs and blindness-friendly ATMs to serve movement-impaired and visually impaired customers, or having user manual printed in Braille for visually impaired, we aim to provide convenient financial services.
• People with disabilities are entitled to a partial waiver of fees for 3 interbank withdrawals, and 3 transfers or deposits each month.

Online Banking/ People in Remote Rural Areas

To create more user-friendly online financial services, Taishin Bank has upgraded the Taishin Financial Friendly Services Zone (including Accessible Internet Banking) and the Accessible Internet ATM website, and has obtained the "Web Content Accessibility Guidelines 2.1" Grade A certification. The Mobile Banking Friendly Zone also passed the audit of the Taipei Parents' Association for the Visually Impaired and provided friendly services such as TWD/foreign currency balance inquiries, transaction details inquiries, scheduled/non-scheduled transfer of TWD, interest rate inquiries, password changes for online banking, quick login setups (with biometric identification functions, such as Facial ID and Fingerprint ID), device authentication application and management, and frequently used account setups.

ePayment or Mobile Payment / People in Remote Rural Areas

New payment tools in our financial services 

To promote and meet the payment collection needs of individual or small-scale merchants, the Taishin merchant APP launched three key features: Visa / MasterCard / JCB / Discover contactless payment service, E-Wallet Scanning Payment, Real-time Transaction inquiry. In response to merchant demands, it has also launched POS machine integration with Taishin merchant APP, enabling merchants to use their own smartphones as substitutes for card readers, thereby helping stores reduce the costs of renting card reader. Supported by these enhanced functionalities, the transaction volume of the Taishin merchant APP has continued to grow significantly. For the full year of 2024, the annual growth rate of Taishin merchant APP transactions reached 34.4%. Through product optimization, the Taishin merchant APP is expanding its use scenario and remains committed to advancing inclusive finance.

Diversity of online services

Taishin Bank delivers online services such as credit card, loan application etc. via internet/mobile banking or APPs, and offers diverse payment options including convenient stores, ACH etc. that free customers from restrictions of locations and banking hours. The number of Taishin online users has been rising and the YOY growth in all accounts was 10.3%, the YOY growth in transaction volume was15.9% in 2024.

Investment in startups/Startups

Taishin Venture Capital offers real capital to support startups:

• At the end of 2024, it had invested 3.4% of capital in businesses that were in start-up stage, 9.1% in growth-stage businesses, 31.9% in mature-stage businesses, and 55.6% in TWSE/TPEX listed companies.
• In 2025, investments will continue to focus on startups in green energy, application software, information technology, and biomedical technology.

Wealth Management Workshop

• Low-income individuals
• New immigrants
• Indigenous peoples

In 2024, Taishin Securities joined hands with the Little Sun Care Association, Mingshan Care Association and other groups to hold "Wealth Management Workshop" in Tainan and Nantou on August 7 and September 11. Led by professional wealth management lecturers and volunteers from Taishin Securities and Taishin Futures, the workshop provided more than 50 elementary school students with a variety of courses on wealth management, savings, investment, and anti-fraud. Through interactive games and fun activities, students in remote areas were able to learn about financial knowledge from an early age.

Trust seminars for disabilities, dementia and the elderly

seniors and people with disabilities

In 2024, the Financial Supervision Commission Banking Bureau entrusted Taishin Bank to organize the "2024 Trust 2.0 Seminar on Property Security at All Stages of Life". Taishin Bank joined hands with the Trust Association of the Republic of China to hold a total of 2 seminars, which combined "anti-fraud" with news and current events, and extended to the sharing of trust concepts. Through case studies and interactive Q&A sessions, we hope that the elderly and their families can understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Trust seminars for disabilities and the elderly

Those in Remote areas or Have Difficulty Accessing Services

In 2024, Taishin Bank and Taishin Charity Foundation jointly organized a case study seminar for social welfare organizations, hoping to help social welfare organizations have a better understanding of the benefits and support of the trust system, and to help promote trust services to the people in need.

Trust seminars for disabilities and the elderly

People with Disabilities

In 2024, Taishin Bank, in cooperation with the Taiwan Association for MDVI, organized a seminar on retirement trusts. Through case studies and interactive Q&A sessions, we hope that the families of the visually impaired can understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Trust seminars for disabilities and the elderly

Senior Citizens

In 2024, Taishin Bank, in cooperation with the Warm Up Long-Term Care Organization, the Banqiao Cultural and Creative Service Association of Sungnien University, and the Banqiao Qi Guang Association, organized a seminar on trust and case study sharing for those of retirement age. We hope to help the participants of retirement age to better understand the benefits and assistance that a trust system can bring, and recognize the direction of their future financial planning, so as to enhance their wellbeing.

Taishin Innovative Finance Laboratory

Young adults

The "Taishin Innovative Finance Lab" demonstrates the transaction scenes of finance and technology, communication, payment, retail, food and beverage, and other cross-industry cooperation, and simulates the blueprint of the future financial ecosystem through experiential marketing to accelerate the advancement of digital and contactless services.

In 2024, we invited young people who are studying, starting their own businesses, or Career Development Center of Fu Jen Catholic University, as well as other organizations, to learn about the current and future financial ecosystem through on-site participation, as well as to understand the direction and opportunities of digital and contactless services.

Reduce the handling fee expenses of disabilities

people with disabilities

We provided people with disabilities with a special inter-bank cash withdrawal handling fee offer for 3 times per month, and a special inter-bank transfer / inter-bank deposit handling fee offer for 3 times per month, to reduce the handling fee expenses and encourage the opening of savings accounts.

Provide Mobile payment technology for micro enterprise

Micro enterprise

"Taishin Merchant App" is a mobile cash collection app that supports both iOS and Android, with three major functions: [Contactless payment], [Wallet Scanning Payment], and [Real-time Transaction inquiry]. It is available for use in shopping centers, night markets, by individuals, and by small and micro-enterprises. Micro-enterprises can use smart phones to collect payments directly, reducing the burden of card reader installation costs, and there are no restrictions on the trans[1]action location, making the collection method more flexible. This can help improve business performance and expand the possibility of merchant operations.

Taishin has also produced a video to help small and micro-enterprises use this function to facilitate payment collection.

Taishin Golden Snitch - Wealth Management Courses

Migrant or informal workers

Considering unstable salaries of artists and art workers and difficulty in access to financial management resources than the general workforce, the "Taishin Bank Foundation for Arts and Culture" joined hands with the "Taishin Corporate Sustain[1]ability Inclusion Group" for the first time to plan for a basic financial course for artists and teams. Financial professionals of Taishin explained and shared financial management and investment experiences, as well as anti-fraud knowledge, so that artists could devote themselves to creation while cultivating sound wealth management capabilities. Two lectures were held from the end of 2024 to the beginning of 2025, with a total of 107 participants. These lectures were well received by the participants! In addition to promoting personal wealth management concepts, we also provided consultation and advice on financial planning and management for artists running art studios or art teams. The satisfaction rate of the courses reached 90%. Many participants expressed their willingness to join the advanced wealth management courses and recommended the courses to their peers.