| Summary: | 碩士 === 國立臺北科技大學 === 工業工程與管理系EMBA班 === 105 === Banks from the traditional cabinet business (Bank 1.0), scientific and technological progress to the Internet banking (Bank 2.0), the global financial technology and regulations to relax the development of online or digital branch (Bank 3.0), after hundreds of years of history, Mechanism, how to protect the financial transactions.
The theme of this study, "a new generation of multi-function payment machine applied to the digital financial strategy research". Since the gold management will open 12 online business, so that the domestic financial industry in addition to the "price" outside the competition; this study mainly discusses the development of the bank Business key factors and strategies, key factors include the development of existing automation equipment experience, the law to relax and high-level bank support. Successful strategies include the adoption of monthly payments, reduced Capex spending, increased customization and increased operating income. Develop as an "experiential" approach to customers; create digital, automated and online services that allow customers to enjoy financial transactions anytime, anywhere. Three important results were obtained by expert interviews: 1)The loosening of the regulations cause the banks high-level concept to change and is willing to put in budget support. 2)Most experts believe that with the new technology and business combination, in order to create a differentiated business services. 3)In the past, one-time procurement behavior, experts also accept the monthly way, helps promote a comprehensive.
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