應用智慧移動裝置於網路銀行服務之探討

科技快速發展及政府政策大力支持下，網際網路已影響了各消費族群生活習慣，金融業為滿足資訊商務發展，紛紛推展網路銀行業務，例如：個人金融服務、交易帳戶、財富管控、網路櫃檯、帳戶理財、電子票據及相關加值服務等，以降低成本節省時間，並滿足顧客二十四小時服務及客製化需求。網路銀行智慧化，除了延伸營業服務時間、降低營運成本的優點外，亦可提供多元化金融服務及快速國際金融交易等益處，惟涉及個人或公司資金移轉敏感的交易訊息。網路銀行的交易安全是每位客戶最關心議題，亦是整個成功的關鍵。本研究目的主要是探討網路銀行智慧化交易資訊安全，並分析影響發展相關問題，對金融主管機關及各家商銀業者提出建議，以利各項電子智慧化之發展，讓銀行業者與消費者獲得雙贏局面。此外，商銀業者應建立完善網路銀行資訊安全認證機制，除獲取金融主管機關認證外，亦可得到消費者的信賴，讓消費者在進行網路銀行交易有更一層的保護，降低資訊安全疑慮，以提高網路銀行交易服務的品質。

關鍵字

網路銀行；智慧化；交易安全；資訊安全

並列摘要

With rapid development of technology and full support by government policy, internet has become a great influence on consumers living style. In order to meet the financial industry’s information business development many commercial banks have promoted online banking services, such as personal financial service, trading accounts, wealth management, electronic bills and related value-added services. This would reduce the cost of capital, save time, and fulfill customers’ demands for 24-hour service and customization. The intelligentization of online banking would be beneficial to extend the business service time and reduce the cost of working capital. Besides, it can also provide more advantages of meera-financial services and fast international financial transactions. However, online banking would involve personal or corporate funds to transfer sensitive transaction information. Intelligent transaction security in online banking is the most concerned issue for all customers as well as is the key to success. The main purpose of this study is to explore the information security issues of online banking intelligent transactions. Besides, issues affecting the development are analyzed and proposed to financial authorities and commercial banks to facilitate the progress of electronic intelligence. It is expected that both bankers and consumers could achieve win-win situation. In addition, commercial banks should establish and improve the online banking information security certification mechanism. This would acquire the certification and license from financial authorities and gain trust and confidence from consumers. More protections and less concerns for information security in online banking transactions would improve the quality of online banking transaction services.