| Summary: | 碩士 === 國立臺中科技大學 === 會計資訊系碩士班 === 105 === Brett King, the father of global bank innovation, presented "Bank 3.0" in 2013. Financial Supervisory Commission (Taiwan) also announced the launch of the "Building a Digital Financial Environment 3.0" program in 2015. The bank''s strategy will shift from traditional functional banks to more diverse function, traditional physical banks will be face of the abolition or transformation due to operating costs. This study intends to investigate the efficiency performance of Taiwan banks controlled by Financial Holding Companies in the Bank3.0 era of rapid changes in financial products, environmental and information technology. Further, this study examines the productivity changing trend from 2013 to 2015, and the factors related with efficiency performance.
A total of 14 Taiwan banks controlled by Financial Holding Companies were used as research sample during 2011 to 2015. Data Envelopment Analysis (DEA) was used to measure efficiency performance of sample banks. Input variables comprised operating expenses, employee education, and machine equipment cost; output variables comprised net income and non-financial indicators. Malmquist Productive Index (MPI) was employed to measure the change of productivity from 2013 to 2015 and Tobit regression was adopted to examine the effects of identified factors on the efficiency performance of sample banks owing to the censored DEA values.
The empirical result reveals that sample banks take up challenges to provide innovative and convenient digital financial products and software by placing lots of manpower and economic resources. However, the efficiency performance is not significantly increased because the investing time span is not long enough. The strategy management and resource allocation are improved. The result of Tobit regression indicates that the number of branches is negatively related with efficiency performance and the card ratio is positively related with bank efficiency performance.
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