博碩士論文 etd-0512106-135245 詳細資訊


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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
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    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.
    關鍵字(中)
  • 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
    4.4.1.1 供應商 51
    4.4.1.2 客戶 51
    4.4.1.3 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
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    網站部份:
    針對銀行產業修正之價值鏈模式,http://140.112.109.20:81/Jiren/teaching/IB/G12_中信銀.pdf
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  • 口試日期 2006-04-25 繳交日期 2006-05-12

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