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This study investigates the impact of financial technology (fintech) on bank efficiency in Taiwan from 2007 to 2020, using parametric and non-parametric analyses. In the future, fintech is expected to play an important role in bank sustainability operations. The findings show that fintech-related initiatives affect bank efficiency. These results illustrate how fintech can help banks directly or indirectly improve their efficiency, leading to higher profits or lower costs. For instance, mobile payment systems, a fintech-related initiative, improve bank efficiency. However, this degree of improvement is not substantial. In general, the findings imply that fintech-related initiatives do not significantly improve bank efficiency, implying an IT “productivity paradox.”本研究以2007年至2020年中国台湾地区银行业为研究对象，采用参数分析与非参数分析方法，探究金融科技（financial technology，简称fintech）对银行效率的影响。未来，金融科技有望在银行可持续运营中发挥重要作用。研究结果表明，金融科技相关举措会对银行效率产生影响。上述研究结果阐明了金融科技可通过直接或间接路径助力银行提升效率，进而实现利润增长与成本压降。例如，作为金融科技相关举措的移动支付系统，即可提升银行效率。但该提升幅度并不显著。总体而言，本研究结果表明，金融科技相关举措并未显著提升银行效率，这一现象印证了信息技术领域的"生产率悖论"。