博碩士論文 etd-0512106-135245 詳細資訊

[回到前頁查詢結果 | 重新搜尋]

姓名 陳柏榺(Po-sheng Chen) 電子郵件信箱 E-mail 資料不公開
畢業系所 資訊管理學系研究所(Information Management)
畢業學位 碩士(Master) 畢業時期 94學年第2學期
論文名稱(中) 以 Hypercube Model 分析網路銀行之創新與衝擊
論文名稱(英) Analysis of E-banking Innovation and Impact using a Hypercube Model
  • etd-0512106-135245.pdf
  • 本電子全文僅授權使用者為學術研究之目的,進行個人非營利性質之檢索、閱讀、列印。


    論文語文/頁數 中文/85
    統計 本論文已被瀏覽 5570 次,被下載 28 次
    摘要(中) 在過去十年,資訊與通訊科技的快速開發及成長促成了財務創新之趨勢,網路銀行也應運而生。本研究採用Hypercube模式及次級資料分析法分析比較網路銀行與傳統銀行於科技知識及商業模式上之改變,並探究網路銀行創新於此二維度所需之關鍵核心能力。研究結果指出從傳統銀行至網路銀行對於銀行業者及客戶為一根本性之變革,其在科技知識及商業模式都會面臨創新及衝擊,因此本研究更進一步提出九項關鍵技術動態能力及十一項關鍵商業動態能力,以彌補網路銀行利益關係人面臨網路銀行創新所可能產生之科技及商業能力落差。最後,本研究結果有助於了解網路銀行於科技知識與商業模式上之改變及其產生之衝擊,以提供網路銀行各利益關係人洞察及擴展網路銀行商機之依據。
    摘要(英) Over the past decade, the rapid developments and growth of information and communication technology (ICT) have triggered a new wave of financial innovation-electronic banking (e-banking). This study utilizes a hypercube model with secondary data analysis to analyze the differences in technological knowledge and business model aspects used in e-banking versus bricks-and-mortar banking, so as to explore the core capabilities in these two dimensions of e-banking innovation. The results indicate that the nature of e-banking innovation is disruptive, leading to drastic changes in both technological knowledge and business model for customers and incumbent banks. However, the innovation is modular for provider and architectural for regulators. We further identify nine core technical and eleven core business capabilities that are necessary for the stakeholders to cope with the change, each appearing to address either technical or business aspects of e-banking transformation. The findings have the potential to contribute to the understanding of impacts occurring in the change associated with e-banking and offer rich insights for the stakeholders to exploit e-banking opportunities.
  • 動態能力
  • 創新
  • Hypercube 模式
  • 網路銀行
  • 關鍵字(英)
  • innovation
  • E-banking
  • dynamic capability
  • hypercube model
  • 論文目次 1.緒論 1
    1.1 研究背景 1
    1.2 研究動機 2
    1.3 研究目的 4
    1.4 研究方法及流程 4
    2.文獻探討 8
    2.1 網路銀行 8
    2.2 價值鏈模式 10
    2.3 創新模式 12
    2.3.1 結構性創新模式 12
    2.3.2 創新加值鏈模式 14
    2.3.3 Hypercube創新模式 15
    2.3.4 電子商務Hypercube創新模式 16
    3.網路銀行Hypercube創新模式 17
    3.1 核心元件 17
    3.2 商業模式 20
    3.3 網路銀行利益關係人 22
    4.分析網路銀行之創新與變革 35
    4.1 核心元件的改變 35
    4.1.1 資訊科技基礎建設 35
    4.1.2 服務 38
    4.2 商業模式的改變 40
    4.2.1 傳統銀行之流程 40
    4.2.2 網路銀行之流程 41
    4.3 傳統銀行至網路銀行之創新 43
    4.3.1 供應商 43
    4.3.2 銀行 44
    4.3.3 客戶 45
    4.3.4 規範者 47
    4.4 網路銀行對於利益關係人之變革 50
    4.4.1 競合者之變革 51 供應商 51 客戶 51 規範者 52
    4.4.2 銀行之變革 52
    5.網路銀行之動態能力及網路銀行創新之價值 56
    5.1 動態能力 56
    5.1.1 關鍵技術動態能力 57
    5.1.2 關鍵商業動態能力 58
    5.2 網路銀行創新之價值 60
    6.結論 64
    6.1 研究成果 64
    6.2 研究貢獻 68
    6.3 未來研究方向 70
    參考文獻 72
    參考文獻 中文部份:
    林東清,資訊管理─ e化企業的核心競爭能力,初版,台北市:智勝文化,2004年2月。
    郭瑞基、蔡敏華,「風險評估報告與銀行授信決策之分析」,當代會計 ( Journal of Contemporary Accounting ),第 4 卷,第 1 期,2003 年 5 月,頁 57-76。
    Afuah, A., Innovation Management, 2nd ed., Oxford University Press, New York, 2003.
    Afuah, A. and Barhram, N., “The Hypercube of Innovation,” Research Policy, Vol. 24, 1995, pp. 51-76.
    Afuah, A. and Tucci, C. L., Internet Business Models and Strategies, 2nd ed.., McGraw-Hill, New York, 2003, pp. 78-102.
    Antovski, L. and Gusev, M., “E-Banking - Developing Future with Advanced Technologies,” Proceeding of the Second International Conference on Informatics and Information Technology, December 2001, pp. 154-164.
    Booch, G., Rumbaugh, J., and Jacobson, I., the Unified Modeling Language User Guide, Addison Wesley, 2001.
    Chesbrough, H. and Rosenbloom, R. S., “The role of the Business Model in Capturing Vale from Innovation: Evidence from Xerox Corporation's Technology Spin-Off Companies,” Industrial and Corporate Change, Vol.11, 2002, pp.529-555.
    Comer, D. C., Computer Networks and Internets with Internet Applications, 4th ed., Prentice Hall, 2004.
    Dar, R. J. and Hu, Y., “How Banks Manage CRM: A B2B Perspective,” Technical Report, Luleå University of Technology, 2005.
    Dewan, R. and Seidmann, A., “Current Issues in E-banking”, Communications of the ACM, Vol. 44, No. 6, June 2001, pp. 31-32.
    Egland, K. L., Furst, K., Nolle, D. E., and Robertson, D., “Banking Over the Internet,” Quarterly Journal, Vol. 17, No. 4, Dec 1998, pp.25-30.
    Ferdinand, J., Graca, M., Antonacopoulou, E., and Easterby-Smith, M., “Dynamic Capability: Tracking the Development of a Concept,” Evolution of Business Knowledge Publication Working Paper, Economic and Social Research Council, September 2005.
    Furst, K., Lang, W. W., and Nolle, D. E., “Who Offers Internet Banking?” Quarterly Journal, Vol. 19, No. 2, June 2000, pp. 29-48.
    Furst, K., Lang, W. W., and Nolle, D. E., “Internet Banking: Developments and Prospects,” Program of Information Resources Policy, Center for Information Policy Research, Harvard University, April 2002.
    Glaessner, T., Kellermann, T., and McNevin, V., “Electronic Security: Risk Mitigation in Financial Transactions,” the World Bank, June 2002.
    Glaser, J. and Strauss, A., the Discovery of Grounded Theory, Aldine, Chicago, 1967.
    Griffiths, P. and Remenyi, D., “Information Technology in Financial Services: A Model for Value Creation,” Electronic Journal of Information Systems Evaluation, Vol. 6, 2003, pp.107-116.
    Harris, L. and Spence, L. J., “The Ethics of E-Banking,” Journal of Electronic Commerce Research, Vol. 3, No.2, 2002, pp. 59-66.
    Henderson, R. and Clark, K., “Architectural Innovation: The Reconfiguration of Existing Product Technologies and the Failure of Established Firms,” Administrative Sciences Quarterly, Vol. 35, 1990, pp. 9-30.
    Hilliard, R. and Jacobson, D., “Dynamic Capability, the Pharmaceutical Industry and Technical Change,” the DRUID's Knowledge Conference, June 2003.
    Holland, C. P. and Westwood, J. B., “Product-Market and Technology Strategies in Banking”, Communications of the ACM, Vol. 44, No. 6, June 2001, pp. 53-57.
    Hsia, T. L., Analysis of the Implication of E-Commerce Innovation on E-Business’s Dynamic Capabilities, 中山大學資訊管理研究所博士論文, January 2005.
    Kauffman, R. J. and Walden, E. A., “Economics and Electronic Commerce: Survey and Directions for Research,” International Journal of Electronic Commerce, Vol. 5, No. 4, 2001, pp. 5–116.
    Laudon, K. C. and Laudon, J. P., Management Information Systems - Managing the Digital Firm, 8th ed., Prentice Hall, 2004.
    Nelson, R. and Winter, S., An Evolution Theory of Economic Change, Harvard University Press, Cambridge, 1982.
    Polatoglu, V. N. and Ekin, S., “An Empirical Investigation of the Turkish Consumers Acceptance of Internet Banking Services,” International Journal of Bank Marketing, Vol. 19, No. 4, 2001, pp. 156-165.
    Porter, M. E., Competitive Advantage, Free Press, New York, 1985.
    Rotchanakitumnuai, S. and Speece, M., “Corporate Customer Perspectives on Business Value of Thai Internet Banking,” Journal of Electronic Commerce Research, Vol. 5, No. 4, 2004, pp. 270-286.
    Schilder, A., “Banking in the New Economy: A Supervisory Perspective,” BIS review, Feb., 2001.
    Shimokoshi, K., Tezuka, K., Kamata, H., Suzuki, T., Shiba, S., and Kawanishi, M., “Network Infrastructure Solutions: Next Generation Core Network,” OKI Technical Review, Vol. 68, March 2001.
    Southard, P. B. and Siau, K., “A Survey of Online E-Banking Retail Initiatives,” Communications of the ACM, Vol. 47, No. 10, October 2004, pp.99-102.
    Stamoulis, D., Kanellis, P., and Martakos, D., “An Approach and Model for Assessing the Business Value of E-Banking Distribution Channels: Evaluation as Communication,” International Journal of Information Management, Vol. 22, 2002, pp. 247-261.
    Steward, D. W. and Kamins, M. A., Secondary Research: Information Sources and Methods, 1st ed., Sage Publications, 1993.
    Suganthi, R., Balachandher, K. G., and Balachandran, “Internet Banking Patronage: An Empirical Investigation of Malaysia,” Journal of Internet Banking and Commerce, Vol. 6, No. 1, 2001.
    Teece, D. J., Pisano, G., and Shuen, A., “Dynamic Capabilities and Strategic Management,” Strategic Management Journal, Vol. 18, No. 7, 1997, pp. 509-533.
    Timmer, P., “Business Models for Electronic Markets,” Electronic Market, Vol. 8, No. 2, 1998, pp. 2-8.
    Wheeler, C., “NEBIC: A Dynamic Capabilities Theory for Assessing Net-Enablement,” Information Systems Research, Vol. 13, No. 2, 2002, pp. 125-146.
    Wu, J. H. and Hsia, T. L., “Analysis of E-commerce Innovation and Impact: A Hypercube Model,” Electronic Commerce Research and Application, Vol.3, 2004, pp. 389-404.
    Xue, M., Harker, P. T., and Heim, G. R., “Incorporating the Dual Customer Roles in E-Service Design,” the Wharton Financial Institutions Center, 2003.
    Yousafzai, S. Y., Pallister, J. G., and Foxall, G. R., “A Proposed Model of E-Trust for Electronic Banking“, Technovation, 2003, pp. 847-860.
    Zollo, M. and Winter, S., “Deliberate Learning and the Evolution of Dynamic Capabilities,” Organization Science, Vol. 13, 2002, pp.339-351.
    Zwass, V., “Electronic Commerce: Structures and Issues,” International journal of Electronic Commerce, Vol. 1, No.1, 1996, pp. 3-23.
  • 侯君溥 - 召集委員
  • 夏自立 - 委員
  • 吳仁和 - 指導教授
  • 口試日期 2006-04-25 繳交日期 2006-05-12

    [回到前頁查詢結果 | 重新搜尋]