Retail Banking

The retail banking services include wealth management, consumer lending and digital banking services. Taishin offers all-round financial planning and banking services for individuals, households, business owners and micro-businesses.

In wealth management business, Taishin adopts a customer segmentation approach and aim to help our customers achieve asset steady growth through offering tailored financial consulting, tax planning, trust, asset allocation advisory services and a full line of products, including TWD and FCY deposits, investment products and insurance. Further, Taishin has introduced the family-based wealth management service which provides financial guidance for family members at each life-stage, and benefits for the entire family. It is an excellent choice for customers to pass on wealth to future generations.

The consumer lending services offer individuals with 1st lien mortgage, auto loan, personal loan, 2nd lien mortgage, micro SME loans and credit cards. Taishin also provides e-payment services for our merchants. We go on to adopt new FinTech to expand the range of online loan application and works closely with strategic partners, and forms cross industry alliances to meet customers’ need on financing and payment.

Digital banking is designed to offer the best user experience. Taishin is constantly working to provide more digital banking services and enhance the platforms. The scope covers e-banking, new payment (mobile payment and cross border payment), and ATM services. Taishin continuously observes changes in the behaviors of young consumers, follows market trends, and brings AI and big data together to create more streamlined financial services.

In the future, the retail banking services will retain the spirit of corporate sustainability, remain customer-centric, and keep providing innovative products and services to fulfill customers’ financial needs at different stages of life. Taishin aims to provide customers superior and innovative services, so we will continuously improve business processes, as well as strengthen the brand image and the value of channels.


*The total assets calculated by Taishin wealth management VIP program does not include assets under the Richart Channel.

Digital Banking

The rise of digital financing has revolutionized interactions between individuals, businesses, and financial institutions. With innovation at its core, Taishin Bank upholds the philosophy of putting customers first by offering cross-generational, cross-industry, and cross-disciplinary services. In recent years, Taishin Bank has eagerly introduced innovative Internet banking and mobile banking services as well as ATM functions by integrating facial recognition, semantic analysis, big data, artificial intelligence, and so forth, all in order to create globalized, personalized, and smart digital experiences. It is worth mentioning that our sub-brand Richart—a leader in the digital finance trend among young people—keeps abreast of the digital era. Richart offers innovative solutions with consideration to customer pain points. Leveraging social media management and digital marketing methods, Richart has achieved nearly half market share, and is currently the digital bank with the highest number of users and highest satisfaction rate in Taiwan.



Taishin Bank takes the initiative to promote APIs in financial services in order to connect businesses and consumers. A more diversified, convenient, and safe payment environment is enabled through a oneAPI that integrates multiple mobile payment services and PayPlus+ API. Moreover, Taishin Bank was one of the first participants in the government's MyData platform. As one of the first banks in the platform, Taishin Bank offered the widest variety of services and earned the title "pioneering bank in open API" by Financial Information Service, Co. Ltd. Digital finance and technological innovation are tools that allow us to fulfill financial inclusion by providing comprehensive financial services tailor-made for individuals, families, and businesses.


In 2020, Taishin Bank has joined forces with partners from other industries to overcome challenges. Mutually combining innovative technologies and service procedures is important to keep stability as the world grapples with uncertainty. The spirit of open banking drives us to think outside the box, and thus, Taishin Bank's new Richart Life app combines payment, reward points, everyday discounts, and financial services. With nearly 7 million users since the start, we offer one-stop services that place financial services in everyday scenarios from food, clothing, and housing to transportation, making us a financial institution that transcends boundaries. We create novel payment options for consumers and business expansion opportunities for businesses, thereby achieving key breakthroughs for digital finance in Taiwan.


Widespread use of digital finance is now in sight, and will pose both challenges and opportunities for industries. Taishin Bank's products and services are highly trusted by customers, and our technological innovations have consecutively earned accolades at home and abroad. In the future, Taishin Bank will continue to trailblaze Taiwan's transition to digital finance and set an example for the industry.