以Q方法探討銀行顧客對資訊安全認知之研究

Using Q Methodology to Explore Perceptions Types of Information Security of Customer Bank

在當前數位化和全球化的浪潮中，銀行業的迅速發展伴隨著大量個人數據的蒐集和處理。隨著網路銀行、線上交易和數位支付的普及，客戶個人隱私的保護成為銀行業面臨的重要挑戰。本文聚焦於銀行業中的個人隱私問題，旨在探討銀行如何平衡政策、資安和客戶隱私保護之間的矛盾。本次研究採用Q方法蒐集有效樣本共31位以統計，並經歸納分析銀行顧客隱私與資料安全之認知類型，將結果分為四種類型進行探討，針對各項類型給予相關說明及建議，其中類型依序為「政策安全型」、「管理系統型」、「隱私秘密型」、「風險管理型」針對政策實施上，所重視之內容皆有所不同，透過學術理論和實務研究之結合，針對四種類型提出相關實務之建議。

In the current wave of digitization and globalization, the rapid development of the banking industry is accompanied by the collection and processing of a large amount of personal data. With the popularity of online banking, online transactions, and digital payments, the protection of customer personal privacy has become an important challenge faced by the banking industry. This article focuses on the issue of personal privacy in the banking industry, aiming to explore how banks can balance the contradictions between policies, cybersecurity, and customer privacy protection. The study utilized the Q-method to collect and analyze a total of 31 valid samples, focusing on the types of perceptions related to customer privacy and data security in the banking sector. The findings were categorized into four types for further discussion: ''Policy-Oriented,'' ''Management System-Oriented,'' ''Privacy secrecy-Centric,'' and ''Risk Management-Oriented.'' Each type emphasizes different aspects of policy implementation. By integrating academic theory with practical research, the study provides relevant practical recommendations for each of the four types.