| 摘要: | 本研究是以實體ATM及WEB ATM交易功能之實例進行分析，俾使了解實體ATM及WEB ATM使用者行為上的差異，目的是期望透過統計分析結果來了解民眾對實體ATM、WEB ATM電子銀行科技使用的特性及行為趨勢，可提供銀行經營者在區隔金融市場時之參考。本研究是採用個案研究法。我們發現：(1)實體ATM與WEB ATM使用者中，男、女性交易筆數差異不大。(2) 實體ATM與WEB ATM使用者交易總筆數差異非常大，其中實體ATM佔92.03 %、WEB ATM佔7.97%。(3) 實體ATM大部份交易集中於提款交易，佔全部交易的81.916%，金額比較小，多為零用領現，平均金額為13,507元，而WEB ATM大部份交易集中於轉帳交易，佔全部交易的94.612%，轉帳金額較大，平均金額為20,966元。(4)實體ATM與WEB ATM交易筆數比率分佈前三名區域均相同，依序為台北市、高雄市、台北縣，後三名依序為台南線、苗栗縣、屏東縣。(5) WEB ATM交易筆數比率前三大依序為資訊業、金融業、教育服務業，而實體 ATM筆數比率前三大依序為服務業、自由業、資訊業。(6) 實體ATM與WEB ATM依各縣市人口每一人所產生之筆(次)數比率，前三名區域均相同，依序為新竹縣、苗栗縣、高雄市。
This study is based on ATM and WEB ATM transaction function analysis of examples, so understanding physical ATM and WEB ATM user behavior differences, the purpose of statistical analysis of the results is expected that the public to understand the ATM, WEB ATM electronic banking technology the use of the properties and behavior trends, can provide banks in the financial market segmentation of reference. In this study, using case study method. We found that: (1) WEB ATM and ATM users, male and female differences in amounts less transactions. (2) user transactions are very large differences in total amounts, including ATM accounted for 92.03%, WEB ATM accounting for 7.97%. (3) the majority of ATM transactions focused on ATM cash transactions, accounting for 81.916 percent of all transactions, the amount is relatively small, from more than zero is used, the average amount of 13,507 yuan, while the majority of WEB ATM transactions focused on the transfer transaction, accounted for 94.612 percent of all transactions, the larger the amount of transfer, the average amount of 20,966 yuan. (4) WEB ATM and ATM transaction rate of the distribution amounts are the same three regions, followed by Taipei City, Kaohsiung City, Taipei County, after the three lines were in Tainan, Miaoli County, Pingtung County. (5) WEB ATM transaction amounts were the ratio of the top three IT industry, the financial sector, education services, and the ratio of amounts ATM were the top three services, freedom of industry, information industry.(6) WEB ATM and ATM cities and counties in each population were generated by count(times) the number of the ratio of the top three are the same region, followed by Hsinchu County, Miaoli County, Kaohsiung City. |
