金融科技衝擊下商業銀行經營轉型發展──以臺灣個案銀行為例

Business Transformation and Development of Commercial Banks under the Impact of Financial Technology -Take Taiwan’sBank as Example

數位金融科技時代來臨，面對來自於全球各行各業的挑戰，商業銀行的業務內容將不能再侷限於傳統經營體制，而應積極轉型升級，運用科學分析來滿足物聯網時代下消費者新的需求，並整合資源以創新且有效率的方式來提供服務。本研究透過文本分析及對銀行個案進行訪談，透過與管理高層、人力資源部及分行第一線櫃臺員工的對話，瞭解其對臺灣商業銀行經營體制變遷及轉型發展樣貌，針對傳統商業銀行轉型後的「科技金融運用」、「人力資源與員工調適」、「執行轉型後的改變」，採用深度訪談的方式取得資料，並針對個案銀行經營體制變遷進行分析，提出改善營運模式的建議，希望透過本研究的結果，也能提供大中華地區的商業銀行，在因應金融科技時代來臨所進行的轉型方向參考。

With the advent of digital financial technology era, facing the challenges from all walks of life in the world, the business content of commercial banks can no longer be limited to the traditional business system, but should actively transform and upgrade, use scientific analysis to meet the new needs of consumers in the era of Internet of things, and integrate resources to provide services in an innovative and efficient way. In this study, through text analysis, case interviews, conversations with senior management, human resources department and front-line counter staff of branches are conducted to understand their views on the changes and transformation of the operating system of Taiwan's commercial banks. In depth interviews are used for the 'Application of technology and finance', 'adjustment of human resources and employees' and 'changes after the implementation of transformation' of traditional commercial banksTo obtain information. After sorting out the interview results, the paper divided the case into three parts to improve the existing operation mode. It is hoped that the results of this study can also provide a reference for the transformation direction ofGreater China commercial banks in response to the advent of the financial technology era.