公股銀行的數位金融轉型策略之探討-以A銀行為例

NCUIR > School of Management at National Central University > enterprise resource planning of Optics and Photonics > Electronic Thesis & Dissertation > Item 987654321/94827

Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/94827

Title:	公股銀行的數位金融轉型策略之探討-以A銀行為例
Authors:	朱啓毓;Chu, Chi-Yu
Contributors:	會計研究所企業資源規劃會計碩士在職專班
Keywords:	數位金融;數位轉型;公股銀行;digital finance;digital transformation;state-owned banks
Date:	2024-06-05
Issue Date:	2024-10-09 15:32:41 (UTC+8)
Publisher:	國立中央大學
Abstract:	金融科技快速演變，促使著傳統金融機構必須面對這場金融改革的硬戰，不得不加速推動數位轉型，在2020年新冠疫情的推波助瀾下，各家銀行紛紛開始了數位轉型，然而在數位帳戶排名調查中，公股銀行唯有第一商業銀行上榜，顯現公股銀行的數位發展相較民營銀行成長較為緩慢，發展速度仍不及民營銀行，因此本研究以A銀行為個案，透過個案研究法探討其發展現況及轉型所面臨問題，並參考台新銀行轉型成功案例，希望能給予A銀行轉型建議。根據研究結果，歸納出五點建議： 1.把握既有客戶並增加年輕數位客群 2.優化IT系統改善數位體驗介面，提供更優質服務 3.改變薪資模式、引進優秀人才 4.改變組織文化風氣，加強跨部門合作 5.創造異業結盟打造屬於自己的金融生態圈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.
Appears in Collections:	[enterprise resource planning of Optics and Photonics] Electronic Thesis & Dissertation

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