數位轉型是一條漫漫長路，除了銀行自身外還需要政府與商家的聯手，並以顧客價值和體驗為主軸，持續優化金融服務，創造出具有溫度的數位金融。 ;Financial technology is evolving rapidly, driving traditional financial institutions to face the tough battle of financial reform. They must accelerate digital transformation. In the wake of the 2020 pandemic, banks have begun digital transformation initiatives. However, in a survey of digital account rankings, only First Commercial Bank, a state-owned bank, made the list, indicating that the digital development of state-owned banks is slower compared to private banks. Therefore, this study takes Bank A as a case study to explore its current development status and the challenges it faces in transformation, drawing insights from the successful transformation case of Taishin Bank, with the aim of providing transformation recommendations to Bank A.
Based on the research results, five recommendations are summarized:: 1.Seizing existing customers and increasing the young digital customer base. 2.Optimizing IT systems to enhance digital experience interfaces and provide superior services. 3.Changing salary models and recruiting outstanding talent. 4.Changing organizational culture and enhancing cross-departmental cooperation. 5.Creating cross-industry alliances to build a unique financial ecosystem.
Digital transformation is a long journey that requires collaboration between banks, governments, and businesses, with a focus on customer value and experience. Continuous optimization of financial services is essential to create a digital finance environment with warmth.
