隨著新技術的更迭，金融服務快速的推陳出新，新興業者開發網路借貸平台與大數據信用評等，降低了交易成本與資訊不對稱程度，並建立資金供給者與資金需求者直接融通的市場。對傳統金融機構所提供之服務造成巨大衝擊，e 化程度成為決定競爭力的關鍵，數位科技與創新能力將成為金融業不可或缺的能力之一，未來銀行業務已不限於發生在實體據點，而是隨處皆可進行，即時性及便利性已然成為消費者首要考慮的因素。 因此，台灣金融業必須了解消費者嶄新的行為模式與習慣，重新省思通路的定位，數位化將成為未來銀行的核心能力，藉由本文探討跨領域合作與轉型的策略，銀行業者也可以藉由網路接觸到過去無法觸及的客戶。 As technology evolved, financial services innovated rapidly as well. New entrants developed online lending platforms and credit rating systems with big data analysis successfully reduced transaction costs and information asymmetries and built up a direct financing market connecting investors and investees, which greatly impact the traditional financial institutions. Bank services will no longer be limited to physical locations, and timeliness and convenience have become customer’s first priority. As a result, it is crucial for Taiwan bank industry to understand the new customer behaviors and reconsider channel positioning. Digitalization will be the core capability of the banking industry. In this article, we will explore strategies for cross-sectional cooperation and transformations to assist banks to reach out to customers who cannot be reached in the past through internet access.
