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我們請主委好 請碰主委"},{"start":17.319,"end":43.947,"text":"委員好主委好所以現在這個金管會推動普惠的金融那這樣子的措施我是肯定的因為不管怎麼樣要讓廣大的這個民眾能夠實現有感的政策我想這是很重要的可是現在我包含我自己我們現在民眾我們街道包含所有的這種簡訊的時候我覺得是有一點認知過災數位過災為什麼因為數位部現在推111"},{"start":47.321,"end":64.088,"text":"政府簡訊可是詐團又會用維基地台來去偽冒然後金管會他向民眾宣傳說不要點擊要輸入各自的簡訊連結然後也有在數位部又在推GOV.TW的安全連結"},{"start":65.345,"end":85.647,"text":"所以说我刚才讲的这一串我自己都搞不太清楚所以到底是要点还是不要点要点但是不要点击那些要求输入个资的简讯连结但是如果我点的话它是政府的简讯吗它可能是政府的简讯但是它可能又被这个诈骗集团来伪冒所以现在这种认知过载数位过载的状况那事实上是存现的"},{"start":86.047,"end":94.642,"text":"那現在台灣的事實查核中心的報告也有證實是很多民眾真的把比方說我舉例中國信通的通知信當成是詐團來去舉報我也看過那個簡訊那怎麼辦"},{"start":98.792,"end":120.01,"text":"主委你現在就是說現在這種完全各司其職也好或者是說多頭馬車也好我們看到重複的不同的訊息在累積那這樣子民眾他怎麼樣第一時間知道到底要信哪一個到底要聽哪一個蘇衛部 NCC 還是金管會你怎麼看這件事情確實委員問了一個非常非常困難的問題"},{"start":120.991,"end":147.457,"text":"剛才講說就像我現在個人接到一個電話基本上如果不認識我幾乎都不太能接我想很多人都這樣就跟剛剛委員提到數位過載或資訊過載的問題大家已經很擔心這問題確實說我們在提醒客戶的過程當中我們從我們的角度講說任何跟你比如說陌生人教你發財這個要注意再來叫你點個資要特別小心這是提醒"},{"start":148.177,"end":170.137,"text":"但是有時候你真的也會跟政府直接往來你就是要做這件事情反而會產生一個阻礙我也曾經接過一個很多年接過一個說國稅局說我中獎了我也不相信我把它掛了實際上後來我真的中獎所以實際上真的這個概念上確實我覺得剛剛委員這問題不好回答但是我們還是會先以提醒就是說我們知道的事情先以提醒但是怎麼樣"},{"start":171.098,"end":194.498,"text":"建構更安全像剛剛委員講的1111也有人用那個遮蓋的方式去做到這件事情確實很厲害就是說道高一尺 謀高一丈但是我覺得對普羅大眾可以接受的方式還是我們先來做先提醒這部分至於說很特殊的情況的話那我們也會來考慮就是說就像我們現在金融機構過去1111的時候我們現在也來想想看這件事情是不是有些其他的方案"},{"start":195.859,"end":214.202,"text":"我只能用這樣的方式先暫時等我們想到全班式的作為的時候我們再來處理這個問題像有沒有可能就是不要各自多頭馬車因為變成說現在警政署他到我們下鄉來去宣導的時候他等於是說到底是要用哪一個作為準則就是一個大問題"},{"start":215.023,"end":233.528,"text":"因为现在可能会简化成说那你就不要所有的简讯都不要读不要看不要回那这样子的话那时候有些时候是紧急推波你告诉你说你的这个账号受影响的时候你又会认为他是诈骗账号就防卫过档了对那所以说是不是由金管会当然主要的跨部会协调者以你们的基准为基准"},{"start":233.988,"end":252.695,"text":"再去跟數位部數位部跟NCC也好他是協助你們作為金融因為你是第一線接觸金融機關的你們可能會更了解實際上面的需求有沒有可能讓你們作為統整的這個機構我想這件事情我們會因為我們定期在林秉新政委主持的那個打詐的部分我想可以把這個建議拿出來討論"},{"start":254.115,"end":277.177,"text":"因為像確實統一這個東西也好做但是就是說統一也比較容易被突破當然所以說這個就是一樣就是你要尋求這個平衡但是也可能會被分別突破那這怎麼辦呢那必須要從變民跟這一個主柵之中找一個這一定的一定要那最後我趕快因為時間的關係趕快問另外一個問題就是關於服務僵化"},{"start":277.517,"end":292.196,"text":"也是體感的落差因為我們講普惠嘛但是跟體感落差比方說這個有很多的鄉親他在上個月他在股票密碼股票的帳戶的密碼要更改可是他被要求要到本人要到原開戶分行去處理"},{"start":293.197,"end":317.339,"text":"主委現在是2025年這是我覺得有點荒謬因為他在台北工作但是他要回到高雄他要回到雲林他要回到嘉義然後為了改個密碼再專程回去但是他自己本人親自臨櫃到他的台北的總公司都不行請問這個方式是怎麼辦怎麼樣去處理我知道我們9月25號有啟動金融Face ID的驗證的轉接中心可是為什麼還有類似這樣子的出現類似來剛開始我們就是想擴大事辦"},{"start":318.319,"end":339.173,"text":"我們現在是希望他們能夠盡量來擴大就是說我只要在一個地方認證在其他地方就可以使用就免除我們在數位體驗上不好的感覺剛剛委員剛剛講到了就跟前面有委員說那個金門鄉親的問題還想說是不是一定要到原來的那個據點去做這件事情才能完成什麼這我們會確實來了解看看怎麼樣減少這個變化"},{"start":340.294,"end":365.45,"text":"我簡單回覆就是說因為我們在辦開戶的時候現在台灣的金融要花五六個小時七八個小時這個大家都知道也在詬病那一定會做一件事情就是照相照相之後而且簽名照相等等其實你可以做這些生物特徵的查核那個應該是不困難我們不要說為了要避免詐騙然後把這個金融變得非常複雜化那也會影響到外國人投資的意願資本也很難進來台灣"},{"start":367.912,"end":371.501,"text":"這是好建議 我們會來思考怎麼樣把剛剛的問題把它解決好 謝謝謝謝 謝偉"}]}},"supported_relations":[],"relations":[]}