A Study of How Banks React to Bank 3.0---Using Taiwan Cooperative Bank as an Example

• Main Authors: CHIANG,YUEN-FENG, 江月鳳
• Other Authors: CHEN,MING-CHANG
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/3c3tv5

碩士 === 國立中正大學 === 企業管理系研究所 === 104 === With the improvement of technology, the Internet and mobile network have gained popularity. Such mobile devices as smart phones and iPads have been developed, making people access the Internet more and more easily and frequently. To cope with this development, various businesses have gone through innovations, resulting in the prosperity of e-commerce and the change of people’s lifestyles. Many business are following the trend and becoming digitized. Apps for mobile and online banking are on the rise, creating new ways of doing business. Facing challenges, banking industry could not hold on to old ways of doing business any more. Instead, they must embrace transformation, providing e-commerce and virtual trading platform. Therefore, when Financial Supervisory Commission decided to launch Bank 3.0 in 2015, banks in Taiwan took the initiative to provide such new services as third-party payment, mobile banking and payment. They cooperated with other businesses and made haste to take advantage of this challenge. Taiwan Cooperative Bank has a long history of establishment, going through many economic changes and undergoing many management transitions in accordance with government regulations. It changed from a state-owned bank to a semi-public-owned bank. It merged with many credit cooperatives and agricultural banks and becomes one of the most prominent banks with the most branches among all banks in Taiwan. However, the bank faces many disadvantages which have been accumulated over time and could not be removed easily and quickly. These shortcomings have become stumbling blocks to the bank’s digital transformation. But as technology improves at such a fast pace, the bank simply finds it difficult to tackle these problems all at once. Therefore, how the bank can transform itself and catch up with the international banking standards deserves further study. This thesis uses Taiwan Cooperative Bank as a case study and tries to analyze various problems that the bank is facing, concerning human resources management, business development and revenue increase, and suggests some solutions.