在行動通訊的快速發展下，手機和PDA開始經由多功能整合外，也開始內建開放式作業系統平台，通常使用的作業系統有Symbian、Windows Mobile、Linux、Palm。早期的智慧型手機發展主要是以商務人士為主要服務對象，隨著智慧型手機不斷的整合多功能於一機之下。智慧型手機逐漸從語音的服務轉移到內容服務。智慧型手機目前全球以將近40%的高成長率快速發展。 本研究主要針對智慧型手機產業的價值鏈過程從電信業者、手機製造商到作業系統平台之間的運作關係去探討產品創新模式分析、技術標準與規格和產品市場定位，並試圖將產業分析結果與個案分析研究之結果進行分析與驗證。藉由研究瞭解智慧型手機未來產業的趨勢與發展關鍵因素。 在產業與個案分析之後，本研究整理出幾個研究發現: 1.智慧型手機在未來幾年的發展會具有高毛利，高成長率的市場機會；2.智慧型手機的研發需花費相當大的資源來做應用軟體和系統平台和硬體之間的整合；3.智慧型手機研發能力門檻相對於一般手機製造廠商高；4.智慧型手機的使用者介面和應用服務將使整個產業的附加價值拉高；5.智慧型手機市場的產品定位從商務人士移轉到一般消費者市場的定位；6.智慧機行動上網加值服務提供使用者內容服務驅向多元化；7.智慧型手機製造商與電信系統業者的合作關係會成為未來主流的商業模式。

「銀行保險」業務在銀行業者整合行銷推展下，已顯現其經營成果，並逐漸佔有舉足輕重之地位。財產保險業者在飽受市場業務費率激烈競爭下殺情況下，積極開發新的保險通路。於焉，雙方的業務結合便順理成章的形成。財產保險業者面對經營規模遠大於自己的銀行業者，如何以最適的作業平台來總控其作業流程，發揮最大效益，便成為最重要的課題之一。 本文首先藉由對歐美日本等先進國家的銀行保險經營成果探討，歸納出「銀行保險」業務的成功關鍵要素；進而評估分析國內銀行業者從事「銀行保險」業務的發展現況及財產保險業者推行本項業務的不足缺失，嘗試以個案公司設立「銀行保險」業務作業平台的經驗來克服不利因素和建制最適的作業平台。 最後，本文提出對建制「銀行保險」業務作業平台時需特別注意的結論與建議，期能對推展本項業務者起到遵循的參考作用，並推廣適用到其他的保險領域。 關鍵字：銀行保險、直效行銷、作業平台、平衡計分卡、顧客關係管理、客戶服務中心 / Bancassurance business is booming and plays an important role on the Banks. Simultaneously, non-life insurers are trying to explore new sales channels under the fierce pricing competition. Therefore, it is naturally binding these two territories as a whole. Facing the tremendous challenges from the Banks, to establish an appropriate working platform for streamlining operations is indispensable for the Non-life insurers. This paper at first examines the experience of managing Bancassurance business in USA, Europe and Japan and contributes to the success factors of it. Then, by analyzing it the current situations of the development of the Banks and the disadvantages of doing it on the Non-life insurance side, this paper wishes to conquer these difficulties and to construct an utmost appropriate working platform. Finally, this paper shows out the conclusions and recommendations for the establishment of Bancassurance working platform. Wish it could be of assistance to those participants and could be applicable to other insurance territories. Key words: Bancassurance, Direct Marketing, Working Platform, The Balanced Scorecard, Customer Relationship Management, Customer Service Center

本篇論文主要是從民眾的角度，深入瞭解政府在推動業務電子化的過程，在便民服務方面所產生的效益，進而探討國外先進國家的推動概況，由於國情不同，各國均有其特別之處可供參考；隨著我國電子化政府快速的推展，在國際著名調查機構對世界各國的評比中大多名列前茅，使政府願意在電子化政府的投資加碼，因此在數位台灣計畫中包括了許多e 化政府的計畫；目前在電子化政府相關計畫中除了更新現有大型系統的計畫之外，其核心計畫是一個跨機關橫向整合的計畫，建立e政府服務平台，以期能達到「提供民眾更豐富、精緻的資訊內容、更深化的網路申辦服務、與網路公民更多的互動，經由網路的溝通管道，實踐政府治理的目標」。 本文中除探討e政府服務平台對各級政府機關e化的影響之外，也一併探討在政府e化過程，可能對國內軟體產業的影響，以及目前政府推動建置平台的政策，對產業生態的可能影響；這些政策的落實，未來對於國內軟體產業的衝擊將非常可觀，因此，本論文也對國內軟體業者提出一些建議，以供業界因應與轉型參考。 / This paper mainly emphasizes on the effect of which the electronic government interface in Taiwan brings to the citizens, especially in the aspect of citizen-oriented services. Moreover, this article reviews the e-government services in other countries and their vary kinds of developing experiences as reference. Along with the quick development of the e-government service, the rank of Taiwan is always in the top list judged and rated by world-famous institutions. As a result, the government of Taiwan is willing to invest more to the plans of e-government which play an important role in the e-Taiwan project. Currently the plan attempts not only to renew the existing mainframe system, but also to build an “e-government service platform” to integrate services over different departments and resources. This platform is the core of Taiwan e-government plan. It can offer citizens vary and delicate information, more high level applications of service, and more interaction with Internet citizens. By utilizing Internet as a communication channel, it can implement the aim of governance more effectively. In the final part of this paper, it analyzes the influence of “e-service platform“ towards each level of government units. In addition, it discusses about how the e-government plan affects the software industry. Furthermore, how the policy about the platform influences the status of software industry is also mentioned in this paper. Once the policy is carried out, it is expected to be some serious impacts on domestic software industry. Therefore, this study also gives suggestions to software companies to make a preparation or reformation in advance.