最近，金融科技(FinTech)和行動金融服務，吸引越來越多的目光。新的創新金融科技服務，改變了金融服務的消費行為。行動網路的發展使人們能夠隨時隨地的享受行動銀行的服務已經是個不爭的事實。然而，由於無線網路先天的特性以及行動裝置的移動性，使行動金融的服務品質受到網路不穩定的影響。而且，隨著Bank 3.0時代的來臨，將會有大量的使用者同時使用行動金融服務，特別是在股市開盤以及重大訊息揭露的時候。因著大量使用者瞬間湧入，以及無線網路不穩定的影響，交易系統的效能很可能會時好時壞，所以無法滿足即時金融市場的需求。 本論文中，我們提出「行動銀行訊息即服務」的框架，使系統能夠很容易的水平擴充，並且能夠輕易的實現雙向通訊和雙向交易等多項行動金融服務。為了達到最少成本追求最大利益的目的，我們發展了能夠適應突發流量以及網路不穩定性的任務分配演算法，使得不用增加額外硬體成本的前提下改善系統效能。然後，為了實驗欲模擬大量行動裝置的使用者，我們觀察真實網路的特性並發明了網路延遲自相關模型來驗證我們提出的任務分配演算法。結果顯示，透過此任務分配演算法，確實能夠有效改善系統資源管理的能力。最後，本研究將系統佈署於真實網路環境當中，並且發現進行同樣實驗的結果與採用網路延遲自相關模型的實驗結果一致。因此，本研究間接驗證了網路自相關模型的正確性，以及證明本任務分配演算法，在突發流量和網路不穩定的即時行動金融服務環境下，能有效降低系統響應時間。 / FinTech (financial technology) and mobile financial services are getting more and more attention recently. New innovative FinTech services change the consumption behavior for financial services. It is an indisputable fact development of the mobile Internet allows people to enjoy mobile banking everywhere and anytime. However, due to the nature of wireless networking and the mobility of the mobile device, the quality of mobile financial service will be affected by network instability. Moreover, with the coming of Bank 3.0, a huge amount of users would be in the mobile service of finance simultaneously, especially when the instances of the stock market opening or disclosure of highly important financial message. As the result of bursty traffic and network instability, the performance of transaction system is up and down, making it tough to satisfy the demand of real-time financial markets. In this thesis, we propose a “Mobile Banking Messaging as a Service Framework” that can easily scale out and fulfill functions comprising Bilateral Communication, Bilateral Trading, and many other mobile financial services. To pursuit of the greatest benefit along with investment of the least resources, we develop the task assignment algorithm which can adapt the system to bursty traffic and unstable networks to improve performance for free. Then, in order to simulate a large number of mobile users, we observe the characteristic of real-world network delay and propose a network delay autocorrelation model to verify our task assignment algorithm. The results of experiment show that we could actually use our task assignment algorithm to improve the ability of the system to manage resource. Finally, we deploy our system in a real-world network delay environment and find that the results obtained in the real condition are the same with our simulation results. Therefore, this research can indirectly verify the correctness of the network delay autocorrelation model, and prove that our task assignment algorithm can effectively reduce the system response time for real-time mobile financial service system under bursty traffic and unstable networks.