銀行業資訊科技與資訊策略之關係研究-個案銀行探討

Research on The Relationship between Information technology and Information Strategy in the Banking Industry – A Case Study

陳秀琳(Hsiu-Lin Chen)

指導教授 ： 湯明哲

國立臺灣大學/管理學院/國際企業學研究所/碩士(2006年)

https://doi.org/10.6342/NTU.2006.00887

摘要

國內的金融市場面對自由化、國際化、網際網路的時代，銀行經營的生態面臨了急遽的變化。在此金融環境日趨複雜，以及金融相關資訊科技日新月異的發展與應用下，也改變了銀行的競爭型態。在這種競爭的環境下，資訊科技已由傳統作業層次進至策略層次，如何運用資訊科技，將資訊科技在公司中扮演重要地位，成為公司指導之策略原則，才能使銀行在高度競爭中脫穎而出。
資訊策略三面向：一、資訊資源，資訊設備之設置是否完備以應付不同、快速及時的需求。二、資訊服務，提供便捷、差異化服務，維持自己的競爭地位。三、創造優勢價值，俱有市場領先地位。
本研究採用質化的個案研究之方式來進行，在深入了解、觀察個案公司後發現：在這瞬息萬變的時代中，運用科技使之成為策略原則的確能幫助銀行在有限的時間內快速推出符合市場所需各式各樣之商品及服務來攻佔有市場，有效阻隔了競爭對手進入市場，同時新科技之使用也將銀行所提供之服務更加生活化。

關鍵字

銀行 ； 策略 ； 資訊科技 ； 資訊策略

並列摘要

The liberalization, internationalization, and Internet trend of the financial market in Taiwan are forcing the banking industry to face rapid changes. Only those banks which use information technology more efficiently will get the competitive edge and improve their performance through offering a diversity of products and services. Under this situation, the role of information technology has been changed from the operational procedure level to strategy level. Thus, information technology will play an important role and help corporate to get a leading position in a competitive market.
Three information strategies are pursued by firms (i) aligning information resources to satisfy differential needs, (ii) using information technology to provide convenient and unique services and (iii) creating advantages by adopting new information technology.
This thesis adopts a qualitative methodology – case study. The author collected all data from a particular local bank. It is found that the bank’s information technology has been in important part in the bank’s strategy which strengthens its business’ position and defends competitors from entering the market. They use flexible system and infrastructure to create differential application offering services and products within a short period of time and thus gain a competitive advantage in the market. Furthermore, using new information technology allows the bank to provide life style services.

並列關鍵字

Banking ； strategy ； information technology ； information strategy

參考文獻

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