本研究主要目的在分析銀行之金融業務資訊系統委外作業的各項潛在的風險因素。風險因素以搜集國內外相關文獻為主,參考實務上執行委外服務的所可能發生的風險項目組合而成,再將風險構面與風險因素做出矩陣模型,運用次級資料聯集的方法進行分析與歸納,編製出「金融業務資訊系統委外作業風險因素調查問卷」。藉由七位現任職於銀行且具有執行金融業務資訊系統委外作業實務之專家的參與,以修正式德爾菲法進行專家訪談的風險因素意見徵詢及重要性分析。取得專家們對受測風險因素之共識,界定出金融業務資訊系統委外作業風險模型包含七個風險構面、三十四個風險因素。最後利用分析網路程序法之研究,歸納出金融業務資訊系統委外作業之風險管理模型。 研究結果經過一致性的檢定分析,發現「需求風險」是委外作業首要重視的風險構面,權重比例值達33.38%。風險因素以前三項「需求改變」、「溝通不良」、「成員經驗不足」最為重要,佔整體風險權重分配之37.16%。若加計第四至第七順位:「需求不正確」、「無效的管理」、「需求模糊」、「關鍵人員」後,則前七項權重比例值已達60.43%。本研究結論以此做為「金融業務資訊系統委外作業之風險因素研究」最關鍵的風險因素指標。
This study analyzes the potential risk factors of Information Systems outsourcing in bank financial business by reviewing literature from Taiwan and abroad, and the reference from the practical work. A matrix model was constructed based on risk dimension and risk items. The secondary data union method was applied to analyze and compile the Delphi “Questionnaire for Financial Information Systems Outsourcing Risks” Seven experts who now work in banks and with rich experiences of financial Information Systems outsourcing implement participate in the interview of Modified Delphi method, provide opinions of risk factors and importance analysis to make the consensus on factors. This study identified seven dimensions, for a total of thirty-four factors of financial Information Systems outsourcing risks. Finally, using the ANP, the financial Information Systems outsourcing risk model for financial Information Systems outsourcing risk was constructed. Based on study findings, “demand risk” was the most important dimension, with a weight of 33.38%. The top three core competencies were “the demand of Information Systems system keeps changing”、“poor communication between development group members” and “have group member with no experiences” totaling 37.16%. After adding other four indicators, “incorrect demand of system”、“lack of a efficient project management method”、“vague demand of the system” and “insufficient participation of the key person(s)”, the total becomes to 60.43%. This study concludes that factors are the core competencies for risk factors of Information Systems outsourcing in bank financial business.