| 關 鍵 詞： |
金融科技；金融科技服務；金融監理；監管科技；反洗錢防制法 |
| 中文摘要： |
金融科技創新在全球金融服務業尚未意識到之下，已經迅速的崛起和成長。本文分析金融科技創新產業在美國的反洗錢防制法的遵循現況。再者，金融科技新創公司並不會主動遵守反洗錢防制法，因為大多數的金融科技新創公司並不認為自己是金融服務業。事實上，他們的商業模式與現有的反洗錢防制法規定並不一致。
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| 英文關鍵詞： |
FinTech；FinTech Services；Financial Supervision；RegTech；Anti-Money Laundering Law |
| 英文摘要： |
The rapid emergence and growth of the financial innovations industry－or FinTech as it is commonly referred to in the financial services sector－has caught many players in the global financial services industry unaware. This article analyzed the compliance of FinTech firms with anti-money laundering （AML） laws in the US. Further, the results of the analysis state that FinTechfirms are not complying with AML laws. The results indicate that most FinTech firms do not consider themselves as financial services organizations. In fact, their business models are inconsistent with existing AML provisions.
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| 目 次： |
壹、創新金融科技
貳、金融監理科技
參、洗錢防制規範趨勢
肆、創新與監理的衡平
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