臺灣博碩士論文加值系統

國內金融機構正面對全球FinTech產業快速擴張，許多新興網路新創公司利用FinTech切入金融產業，傳統金融機構業務正受到侵蝕。在這巨大之業務競爭壓力與衝擊下，為了生存與永續經營、金融機構應致力於以顧客為中心本位的思維，進行新的策略規劃。本研究乃因國內金融機構面對數位金融浪潮帶來的衝擊而以「組織改造銀行轉型進度」、「人才培育占比」、「新價值鏈競合聯盟執行情形」及「新科技應用差異化服務執行情形」四大構面及十二項屬性。來探討國內金融機進行創新科技數位化構面影響度、屬性重要性及各金融機構推動數位金融營運績效排序等進行分析。透過問卷調查方式，及利用DEMATEL技術與ANP方法結合成DANP，由DANP決定出各金融機構營運績效的屬性影響性權重，並以此分析各金融機構的推動數位金融營運屬性之落實度的平均績效值與標竿落實度之平均績效值相比，區分出各家金融機構屬性之滿意度平均績效的理想與非理想之狀況。針對推動創新數位金融營運滿意度平均績效值不理想狀況。可瞭解各家金融機構對各屬性執行上述滿意度的平均績效為何？並用此來瞭解是否需加強改進？因此，本研究之結論可用以給該八家樣本金融機構知曉推動創新數位金融營運落後之原因，並建議其改善來提升推動數位金融之更佳之營運績效。

Domestic financial institutions face the rapid expansion of global FinTech industry, many emerging Internet innovation companies use FinTech to get into the financial industry, traditional service items of financial institutions are being eroded. In order to survive and sustain business in this huge business competitive pressure and impact, it should be committed to the customer centric thinking of the strategic planning. In this study, the domestic financial institutions facing the impact of the financial turmoil and using the four aspects of “the progress of organizational renewal and bank transformation,” “growth rate of talent-training,” “executive situation of new value chain competing alliance” and “executive situation of new technology application in different services” and twelve attributes in order to explore the domestic financial institutions promoting innovative digital technology influence of aspects, importance of attributes and their operational performances ranking order and analyses. Through the questionnaires survey, and the use of DANP which is combined with DEMATEL technology and ANP method is used to analyze the collected data. DANP method is used to determine attributes’ influent weighs for operational performances of those financial institutions promoting innovative digital financial technology and to analyze the attributes’ averaging performance values of their satisfaction for promoting innovative digital financial technology. The attributes’ averaging performance values are compared with the benchmark averaging performance value, and the ideal and non-ideal conditions of averaging performance of satisfaction of promoting innovative digital financial technology are differentiated. This can figure out the eight sampling financial institutions on the satification of above attributes’ averaging performances of what? And this can be used to decide whether the needs to strengthen the improvement or not? Therefore, the conclusions of this study can make suggestions to improve the operational performances of those financial institutions.

第一章 緒論
1.1 研究背景與動機
1.2 研究動機
1.3 研究問題與目的
1.4 研究流程
1.5 研究大綱
第二章 文獻探討
2.1 數位銀行的定義
2.2 創新數位金融營運績效
2.3 組織改造銀行轉型進度
2.3.1 組織改造銀行轉型進度之定義
2.3.2 組織改造銀行轉型的歷程
2.4 人才培育佔比(成長率)
2.4.1 人才培育佔比(成長率)的定義
2.4.2 人才培育的計畫重點
2.5 新價值鏈競合聯盟執行情形
2.5.1新價值鏈競合聯盟執行情形的定義
2.6 新科技應用差異化服務執行情形
2.7 混合式多屬性決策模式
2.7.1 DEMATEL決策實驗室分析法
2.7.2 ANP網路層級分析法
2.7.3 DANP決策實驗室分析基礎之網路層級分析法
2.8 彙整
第三章 研究方法
3.1 研究構面與屬性
3.2 研究架構
3.3 資料分析法
3.3.1 依DEMATEL技術建立影響網絡關係圖（Influential Network Relationship Map, INRM）
3.3.2依據INRM決定ANP的屬性之影響權重
第四章 數位金融推動成功因素與營運績效分析結果
4.1 運用DEMATEL分析結果
4.1.1 DEMATEL 問卷之基本資料
4.1.2 DEMATEL 對構面相互影響度之分析
4.2 ANP之分析結果
4.2.1 ANP 問卷整合
4.2.2 運用 Super Decisions 軟體建立ANP架構
4.2.3 運用 Super Decisions 軟體計算 ANP 權重
4.3 DEMATEL結合ANP成DANP
4.4 推動創新數位金融各屬性滿意度平均績效值分析
第五章 結論與建議
5.1 結論
5.2 建議
5.3 研究限制
參考文獻
附錄A DEMTAL問卷
附錄B 推動創新數位金融各屬性滿意度平均績效值

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相關網站
1.SAS Resource Center，（2016） http://www.sasresource.com/event/indes.html
2.DEMATEL+ANP http://mtasm.mtwww.mt.au.edu.tw/ezcatfiles/b004/img/img/156/387642683.pdf
3.Bank 3.0來襲銀行業三萬人力震撼http://magazine.chinatimes.com/moneyweekly/20160422004351-300201