Author: Grace Ku, Cheng-Yun Tsang, LCS & Partners The rapid development of technology and the disruptive innovations reshaping the global financial ecosystem are accelerating. From product services, transaction models, market boundaries to regulatory thinking, each key aspect of the financial system is undergoing unprecedented changes and challenges. This book focuses on the development of financial technology in three core areas: "Payments," "Financing," and "Investment." It addresses legal and regulatory issues in fields such as "Mobile Payments," "P2P Lending," "Equity Crowdfunding," and "Robo-Advisory," and takes a broader perspective on financial infrastructure to explore the opportunities and challenges posed by virtual currencies, blockchain, and the cashless era.   Section 1: General Overview The New Financial Era: An Overview of the FinTech Industry Exploring Taiwan’s FinTech Regulatory Thinking through the "Regulatory Sandbox" System The Legal Challenges of the Sharing Economy and Shared Finance   Section 2: Blockchain and Virtual Currencies The Use and Outlook of Blockchain A Legal Perspective on the Development and Restrictions of Virtual Currencies in Taiwan – Focusing on Bitcoin   Section 3: Electronic Payments The Past, Present, and Future of Taiwan's Payment Tools The Lessons from Digital Technology Cases for Taiwan’s Third-Party Payment The Development and Limitations of the Yu’e Bao Model in Taiwan Legal Issues in Apple Pay Mobile Payments Promises and Challenges of a Cashless Payment Era   Section 4: Online Lending Transactions Analysis of Trends in P2P Online Lending Platforms Prospects for Small and Medium-Sized Enterprises' Network Lending – P2B Platforms   Section 5: Equity Crowdfunding and New Financing Instruments Introduction Overview of Equity Fundraising for Startups Development Overview of Crowdfunding New Financing Methods for Startups – SAFE (Simple Agreement for Future Equity)   Section 6: Robo-Advisory Looking at the Development and Regulatory Direction of Robo-Advisory from the U.S. Experience The Current Status and Future Outlook of Robo-Advisory Development in Taiwan