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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/68661


    Title: 推行網路銀行的影向因素及效益與衝擊的研究
    Authors: 陳鍚儒;謝順金
    Contributors: 淡江大學資訊管理學系
    Keywords: 網路銀行;網際網路;資訊科技;效益;衝擊;實證研究;Internet Bank;Internet;Information technology;Benefit;Impact
    Date: 1998-07
    Issue Date: 2013-03-12 13:26:00 (UTC+8)
    Publisher: 臺北縣:淡江大學資訊管理研究所
    Abstract: 本研究的主要目的在探討影響國內金融機構推行網路銀行的主要因素,並找出推行後的效益與衝擊。本研究依據文獻及架構設計出一份研究問卷,並從國內的金融機構中選取適當樣本進行問卷調查,總共寄出133份問卷,有效回收54份,回收率為40.6%。由研究結果發現,資訊傳輸之保密性與安全性、資訊傳輸之正確性、高階主管支持度、政府推動政策、資訊傳輸之可靠度等因素皆會影響金融機構推行網路銀行。而推行網路銀行後的效益方面,推行後並不會增加與同業間的聯繫,但可帶來改善服務品質、降低營運成本等的效益。衝擊方面,發現推行網路銀行後將造成增加管理維護的成本、資料處理安全的威脅等衝擊。研究結果顯示,目前國內網路銀行開放的功能有金融資訊查詢以及信用卡業務,其他功能則將逐步開放。另外本研究亦針對資料分析的結果加以推論和探討,期能作為台灣金融業的參考依據,對實務界有所貢獻。
    The purpose of yhis research is to study the factors affecting the implementation of Inter Bank and the benefits/impacts after implementing. Based on the literatures, we designed a questionnaire. Then we selected some proper samples from financial institutes in Taiwan and mailed the questionnaires to them. There are 133 questionnaires mailed, and received 54 from them. The response rate is 40.6%. The results of the research are found that information transmission privacy and security, information transmission accuracy, executive's support, motivating policies of government, and information transmission reliability, etc. have positive relations to implementation of Internet Bank. In the aspect of benefits, implementing Internet Bank can not increase the connection from other banks, but can bring some benefits such as increasing the quality of service, decreasing the working cost, and so on. In the aspect of impacts, implementing Internet Bank will bring the impacts like increasing the maintenance cost and the threat of data processing security, etc. Besides, this research also infers the result from the analyzed data to provide the reference of Taiwan's banking and some contributions to the practices.
    Relation: 資訊管理展望=Journal of Information Management-Concepts,Systems, and Applications 1(1),頁51-63
    Appears in Collections:[資訊管理學系暨研究所] 期刊論文

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