Short Biography of Project Coordinator Professor Kar Yan TAM is Chair Professor of Information Systems, Business Statistics and Operations Management at The HKUST. He is a researcher in Fintech and the diffusion of innovations in organizations, and serves on the editorial boards of several academic journals. Besides, he is a Board Member of the European Foundation for Management Development, and was the Past President of the Association of Asia Pacific Business Schools. He is also actively involved in public services, being the Chairman of the Hong Kong Committee for Pacific Economic Cooperation of the Hong Kong Government and a member of the Hong Kong Exchange Fund Advisory Committee of the Hong Kong Monetary Authority. 項目統籌人簡介 譚嘉因教授是香港科技大學資訊、商業統計及營運管理學系講 座教授。他致力於金融科技和創新滲入機構的研究，並擔任多 份學術期刊的編輯委員會成員。此外，他是歐洲管理發展基金 會的董事會成員，曾任亞太商學院協 會主席。他還積極參與多 項社會公職。他目前為太平洋經濟合作香港委員會主席，香港 金融管理局外匯基金諮詢委員會成員。 Contributing to the Development of Hong Kong into a Global Fintech Hub 促進香港成為全球的金融科技樞紐 T31-604/18-N Project Coordinator Professor Kar Yan TAM The Hong Kong University of Science and Technology 項目統籌人 譚嘉因教授 香港科技大學 Project Summary Explored the economic implications of blockchain technology by analyzing validators’ behaviors and the impact of transaction fees and economic incentives in permissioned blockchains, providing insights into potential improvements for blockchain-based payment systems in fintech. Conducted an evaluation of the effectiveness of cybersecurity protection schemes for financial institutions, including the implementation status of C-RAF measures, and published a report to raise awareness about cybersecurity gaps. Conducted robo-advising risk profiling through content analysis and developed a statistical model to understand potential clients’ traits and attitudes in the Hong Kong financial market. Collaborated with a bank in Hong Kong to analyze investment behaviors of robo-advising adopters and non-adopters; and developed a robo-advising system based on a novel risk estimation model that recommends Hong Kong stock portfolios based on risk preferences. Created FinBERT, a deep learning-based language model for financial text analysis, and FinSent, a financial sentiment analysis application. Both applications are free for public use. Developed a real-time systemic risk monitoring system using Advanced High-Frequency and High-Dimensional Analytics Techniques, and quantified market risk through statistical modelling. Conducted a large-scale survey on the adoption of virtual banks and insurers and studied seven global fintech hubs to bridge gaps between fintech development and regulatory frameworks. Conducted industry-wide studies on fintech talent development, focusing on core competencies, talent supply projections, and strategies to address talent shortages. 項目概要 透過分析驗證者的行為，以及交易費用和經濟誘因對許可區塊 鏈的影響，我們探索了區塊鏈技術可帶來的經濟意義，以幫助 理解如何改進區塊鏈技術支援的支付系統。 對金融機構的網絡安全保護方案進行了評估，包括實施網絡防 衛評估框架 (C-RAF) 措施的狀況，並發布了一份研究報告以提 高業界對網絡安全漏洞的認識。 透過內容分析法進行智能投資顧問風險評估，並開發了一個統 計模型以助了解香港金融市場中潛在客戶的特徵和態度。 與香港一家銀行合作，分析智能投資顧問使用者和非使用者的 投資行為；並根據一個新的風險評估模型開發了一個智能投資 顧問系統，該系統可根據投資者的風險偏好推薦香港股票的投 資組合。 開發了用於分析金融文本的深度學習語言模型 FinBERT，以及 用於分析金融市場情緒的應用程式 FinSent。這兩個應用程式 均免費開放予大眾使用。 利用先進的高頻和高維度分析技術開發了一個實時系統性風險 監測系統，並通過統計建模量化市場風險。 針對虛擬銀行和保險業的應用情況進行了一項大型調查；並透 過深入研究全球七個主要的金融科技樞紐，彌合金融科技發展 及監管框架之間的差距。 針對金融科技人才發展進行了多項行業性研究，重點關注金融 科技專業人士所需的核心能力、人才供應預測以及應對嚴重人 才短缺的策略。 20 THEME 主題 3 | Enhancing Hong Kong’s Strategic Position as a Regional and International Business Centre 加強香港作為地區及國際商業中心的策略地位 Participating Institutions City University of Hong Kong The Chinese University of Hong Kong The University of Hong Kong The Education University of Hong Kong 參與院校 香港城市大學 香港中文大學 香港大學 香港教育大學
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