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Advances in technology, from the early years of the landline phone to today's society to have one mobile phone, because the rise of mobile devices and the Internet, so that all sectors of the business environment facing disruptive change from the base toward the virtual business entities development path, while the banking sector is also under the third wave will inevitably have to make a change.
The younger generation Internet considered as a part of everyday life, when online banking was introduced, because online banking is no limit business hours, to achieve a different from the past operation of multiple choices, naturally accept online bank. However, the virtual e-bank still can’t meet the ends of cash in reality. As the same time, banking business is carrying out the virtual outlet, but also expanding actual ATM widely. The cost of setting and maintaining actual ATM is lower than branches of bank after all.
Take Taiwan Cooperative Bank for example, it has the most branches in Taiwan. Average balance deposit and loan rank only second to Bank Of Taiwan. The combination of physical branches in banking, Taiwan Cooperative Bank has great progress space to achieve. Thereby investigate the effect of E-finance its operating income profit.
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