台灣推行金融環境數位化(Bank3.0)認知度與接受度之研究-以北部某科技大學為例

A Study of the Awareness and Acceptence of the Implementation of the Financial Environment in Tawan’s Digitization(Bank3.0)-Taking a University of Science & Technology as a Case Study

林一珠(I-Chu Lin)

指導教授 ： 孔祥科

健行科技大學/管理學院/企業管理系碩士班/碩士(2016年)

摘要

訊科技隨著時間與空間發展至新興市場，誰掌握根源數據來整合其技術基礎智慧網絡整合系統(Cyber-Physical System, CPS)應用與融合，將產品與服務藉由資訊科技的力量以數位化被快速地呈現與傳遞，聯動使金融業商業模式轉向虛擬化及消費型態數位化改變；以創新擴散理論為基礎是本研究想要探討的議題，將分析不同背景變項對於台灣推行金融環境數位化(Bank3.0)的認知度與接受度差異情形。本研究採用問卷調查法，以「台灣推行金融環境數位化(Bank3.0)的認知度與接受度之研究-以北部某科技大學為例調查問卷」為研究對象進行分層抽樣，共得有效樣本300份，獲得以下研究發現。首先，以學院區分電資學院受試者對各變項群高於其他受試者，以職務區分教師受試者對各變項群高於其他受試者；其次，商學院受試者在「服務內容」變項群較高於其他受試者，則不同背景變項受試者中對於「政策與法規」接受度皆無顯著；最後，受試者對台灣推行金融環境數位化(Bank3.0)的認知度與接受度呈現顯著性。根據前述研究結論，提出具體建議，以供主管機關及後續研究者之參考。

關鍵字

金融環境數位化(Bank3.0) ； 商業模式虛擬化 ； 消費型態數位化 ； 創新擴散理論

並列摘要

Cyber-physical systems (CPS) enable the physical world to merge with the virtual leading to an Internet of things, data and services. The application of CPS has swiftly presented and delivered the products and services, and has transformed the business model into virtual and consumption patterns digitized. The main aim of this study is to explore people’s awareness and acceptance of the implementation of digitized financial environment (Bank3.0) in Taiwan. This study used questionnaires and took certain University in the north of Taiwan as a case study. 300 effective samples were collected, and the findings are as follows. First, the clusters of variables from the respondents of the College of Electrical Engineering & Computer Science are higher than other colleges. Second, in terms of “service content”, the clusters of variables from the respondents of the Business College are higher than other colleges. There is no significance difference among the interviewees of different background variables. Finally, there is significance difference among the interviewees’ awareness and acceptance of the implementation of digitized financial environment (Bank3.0) in Taiwan. Some concrete recommendations are offered to policy makers and to those who are interested in the issue.

並列關鍵字

digitized financial environment (Bank3.0) ； business model virtualization ； digital consumption patterns ； Diffusion of Innovations Theory

參考文獻

1. 王振寰(1996)。誰統治台灣，台北：巨流。

2. 方至民(2000)。企業競爭優勢，台北：前程企管。

3. 李吉仁（2006）。燃起創新與創業的熱情。載於謝育容（譯）：創新者的思考，頁 006。台北市：商周。

4. 華英惠(2003)。贏戰金融危機，台北：聯經。

5. 陳昭義 (2005)。2004年臺灣文化創意產業發展年報，台北市：經濟部工業局。