| Abstract: | 數位金融趨勢來襲，科技的發展、網際網路的進步，再加上智慧型裝置的普及化，銀行對客戶服務所提供的地點與場所，已經不再是民眾選擇與銀行往來的必要條件。只要有網路或通訊可傳達的地方，客戶即可在網路上，不受營業時間限制、不因交通阻礙，可以很方便、迅速地完成所需的銀行服務。因此，虛擬通路的發展，銀行實體分行的使用率已呈現下滑的現象，面對此極大的危機，銀行的實體分行必須轉型，發揮特色，才能保有其存在價值。
行動科技改變了我們的生活，手機取代了錢包、信用卡等，使許多複雜的事物，透過科技的輔助，變的簡單。實體分行的轉型對台灣銀行業者將帶來巨大的衝擊，對銀行業而言是個現在進行式，雖無固定模式，但在世界各地已有多個成功創造效益的轉型策略出現，本研究將彙整國內銀行業者案例，探討在金融APP行動裝置的大環境下，本國銀行業者如何準備並做改變。實體分行轉型勢在必行，如何突破透過行動銀行理念與配套措施，迎接數位銀行來臨。是本研究探討的議題。
The development of digital technology, the development of Internet, the popularity of Internet, coupled with the popularity of intelligent devices, banks to customer service provided by the location and place, is no longer the people choose the necessary conditions for exchanges with banks. As long as there is a network or communication can be conveyed, customers can be on the Internet, not limited by business hours, not because of traffic barriers, can be very convenient and quickly complete the required banking services. Therefore, the development of virtual access, the use of bank entities branch has shown a decline in the face of this great crisis, the bank''s physical branch must be transformed, to play in order to retain its value
Action technology has changed our lives, mobile phones have replaced wallet, credit cards, etc., so many complex things, through the help of science and technology, become simple. The transformation of the physical branch of the banking industry in Taiwan will bring a huge impact on the banking industry is a carry-forward, although there is no fixed model, but in the rest of the world have a number of successful creation of the transition strategy, this study will be aggregated The domestic banking industry case, to explore the financial APP mobile device in the environment, the domestic banks how to prepare and make changes. Entity branch transition is imperative, how to break through the action bank ideas and supporting measures to meet the arrival of digital banks. Is the subject of this study |
