本研究旨在探討經歷資訊科技概論課程運用多媒體教學後，對其資訊素養能力影響之成效，以台中市某高中二年級學生為研究對象。探討高中職校實施資訊素養相關課程十多年來學生資訊素養能力現況，學生個人背景與資訊素養之關係，運用多媒體教學後學生資訊素養之差異，以及分析學生在經歷課程學習後之成效。 本研究採用問卷調查法與實驗法，以資訊科技概論課程內容與運用多媒體教學為主要研究範圍，研究對象以高中二年級為主，針對資訊素養能力現況問卷調查229位學生，分析背景差異是否影響其資訊素養能力，以及實驗組38位學生運用多媒體教學與對照組39位學生以傳統方式教學，比較分析其資訊素養差異及教學成效，提出研究結果。 本研究結果分別從「問卷調查」與「實驗與對照」兩個面向提出研究結果。依據問卷調查得出結論：台中市某高中的資訊素養(電腦素養與網路素養)現況。依據實驗與對照方式得出結論：對學生運用多媒體教學與經歷課程學習後之資訊素養差異。 本研究提出之建議包括：(一)建置教師教學平台專區於學校網站；(二)建構友善的學校網路環境；(三)提升教師資訊應用能力。 / This study aimed to explore by multimedia teaching at Information Technology course, the influence effectiveness of their information literacy the ability, Taichung City a high school sophomore. Explore the high schools more than decade to implement information literacy courses the current situation of students information literacy ability, students' personal background and information literacy of the relationship between differences in the use of multimedia teaching students information literacy, as well as the analysis of the effectiveness of the students experienced the course.

今已有許多學者研究組織採用資訊科技之議題，而人們看待資訊科技的心態也隨時間變化，影響組織採用IT之因素也許多種，而不同的學者所探討的理論架構和變數也不同，本研究欲做此方向的文獻統整，了解研究趨勢與未來研究方向。 本研究利用彙整分析之研究方法，將過去三十年相關的文獻利用關鍵字搜尋，並利用人工篩選後分析結果，最後我們發現：(1)科技、組織、環境三個因素確實會影響組織採用資訊科技，證實了TOE架構在研究組織採用資訊科技相關之議題的適用性。(2)有些變數像是「顧客滿意」和「採用時機」現在比較少學者探討，但在樣本數足夠的情況下可能是有影響力的變數，未來學者可考慮納入探討。(3)發現「高層支持」、「預期效益」、「競爭壓力」都是確實會影響組織採用資訊科技時會考慮的變數，在實務上，資訊科技的供應商在推廣產品上，應該致力於高層主管的推廣。 / Organizational adoption of information technology is an important research issue for many scholars. However, different scholars may investigate the issue from different technological, organizational and contextual factors (called TOE model), which may lead to inconsistent findings. Therefore, this research aims to build a profile of previously published literature to show historical development. This research adopts bibliometrics as our research method and uses CiteSpace and CATAR toolkit to do our analysis. The results indicate that (1) technology, organization and the environment do affect the organization adoption of Information Technology, confirming the applicability of the TOE model in studying organizational adoption of information technology; (2) some variables like customer satisfaction and timing of adoption are under- explored, more research in the future may better understand their influences; (3) top-management support, expected benefits and competitive pressure are key factors that affect the adoption of IT. In practice, IT vendors may use the result to help promote their products.

金融科技(Financial Technology, FinTech)創新了金融業的經營模式。除了不斷更新金融體系，更升級為平臺架構，結合創新網路經營模式；並持續改善創造利潤及業績，使企業能在瞬息萬變的數位時代，掌握「贏」的契機。 同為華人文化的社會，台灣與香港的金融產業發展的基礎不同，在面臨國內及國際間金融科技與營運管理的變局時，顯現出台港在金融科技產業的位階有差異。香港這兩年在FinTech的創新展現其經營的潛力，可否給步伐緩慢的台灣提供參考。本文在概略敘述金融科技領域相關內涵之外，分析台灣金融科技創新時可能面臨的挑戰。具體的研究問題與目的有二，台港金融科技經營發展模式的差異與台港兩地發展金融科技創新策略的比較。 本研究以文獻收集分析為主要研究方法，敘述兩地金融及資訊科技的背景，並對金融科技的現況加以比較分析。從金融科技投資成功的要素，以及台港推展FinTech策略及初創公司的成果，比較並分析其管理監督體系、發展之重心以及平臺經濟營運實務，剖析投資招募有何值得借鏡之處。台港兩地的發展也受到國際的影響造成投資策略與風險考量產生差異。台灣明顯重視資訊安全，並將之提高到中央總統府層級，香港則以商務發展為重點。數十年來台灣資訊科技創新能量雖較香港為優，然而金融系統保守是其缺點；執政機構及相關業者只要能掌握金融科技的精要，在風險可控的前提下，開啟一個全新的大門，讓金融業、科技業、服務業、農業等都能投入，結合不同專業領域的技術、思維、精神與傳統金融業結合，就可能有創新的金融科技服務商品。 建議擷取香港對國際開大門的成功經驗，建立能與各金融中心接軌的金融科技體系，並參考香港吸收大陸創新專案進入監理沙盒驗證的快速發展做法，嘗試兩岸產業融合發展的新商機與新思路路線，發揮彼此的強項，以擴增金融科技創新產品的利基。讓創新驗證完成的業者能掌握創業契機，給台灣在繼資訊工業之後，再一次站上全球產業新浪頭的機會。 / The business model of financial industry has been innovated by financial Technology (FinTech). In addition, the financial system is also up-to-date and platform architecture is upgrading provided as an end-to-end process via the Internet. These newly developed financial services combine with innovative business models and continuously improve the profitability and performance so that enterprises may grasp the opportunities of “win” in a rapidly changing digital era. With similar Chinese culture, the bases of financial industry in Taiwan and Hong Kong are different. Facing the changing situation of FinTech and the operation at domestic and international, there are differences of Hong Kong and Taiwan in the FinTech level. These two years, the innovation in Hong Kong has exhibited their potential at FinTech, can this provide a reference for the slow developing Taiwan? In this paper, we focus the description of current situations and analyze the challenges of FinTech innovation to Taiwan. There are two aims for this research, a comparison in the modes of operation, and the innovation strategies of FinTech between Taiwan and Hong Kong. We collected literatures about FinTech especially in these two places as a main research method, compareing the status of FinTech. We also analyzed the successful elements of investment in strategies and financial startups, and illustrated the achievements of promotion. The management and supervision system of promotion in FinTech are compared also, focused on the platform economic operation. From the information above, it is worth for learning from investment offerings. We found the influences from international FinTech also caused differences in the investment strategy and risk considerations. Taiwan emphasizes information security and raises it to the level of the presidential management. Hong Kong focuses on business development. Although IT innovation in Taiwan is superior to Hong Kong for decades, the conservative financial system is its own shortcomings. As long as the governing agency and related industry master the essentials of FinTech and open a whole new door under the control of risk, let financial industry, science and technology industry, service industry and even agriculture be invested. Combining different fields of specialists with the traditional financial industry, innovative FinTech services may be constructed. It suggestes that Taiwan should take the successful experience of Hongkong, opening up to the outside world and set up a FinTech system that can connect to other international financial centers. A new opportunity for Taiwan will be expand the niche of FinTech innovation products. Those who have completed the verification of innovation in Sandbox can seize the opportunity. Taiwan may also step onto the global industrialized wave of FinTech after the information industry. Keywords: FinTech, Taiwan, Hong Kong, Investment Strategy, FSC, Supervision Sandbox

無 / Purpose – The fast growth and global success of China’s ICT industry suggests the presence of national competitive advantages. The purpose of this study is to examine these competitive advantages and draw conclusions about their influence on company performance using the case of Huawei. Design/methodology/approach – Using the Porter Diamond Theory of National Advantage the study analyses the development of China’s telecommunication equipment industry and existing competitive advantages. Using the case of Huawei, the author explores the impact of Porter’s determinants on the company’s growth and global success. Findings – The study finds that China’s telecom equipment industry leveraged basic factors such as a large pool of low-cost labor while gradually developing more sustainable advantages. The Chinese government played a major role in driving initial demand for telecom equipment and facilitating the development of China’s ICT sector by opening its market to foreign investment and promoting innovation. Although the national competitive advantages elaborated in this study certainly helped the industry to excel, Huawei’s global success is also tied to its early decision to focus on R&D instead of relying on foreign technology. The additional support Huawei received from Beijing, particularly after being selected as a national champion, helped it in numerous ways but might hinder Huawei’s growth due to an increased negative image, particularly in the United States. Research implications – This research adds to the body of literature on the creation of national competitive advantages and their influence on the development and success of domestic industries.

Currently the telecom world is moving towards next generation 5G (5th Generation) technology. Previous generations of mobile networks addressed human communications predominantly for voice & data but apart from human to human communications 5G brings machine to machine communication in a broader way. The possibilities of use cases are endless and 5G is a system of system. The vision for 5G is creating an ultra-connected society. 5G will be the general-purpose technology and 5G will act as a catalyst for the industry disruption. By interconnecting industries using the 5G technology will make them to be cost effective, efficient and more productive by optimally utilizing the infrastructure. It is expected that globally 5G value chain itself will contribute $3.5 trillion in output and provides 22million jobs in 2035. It is expected that 1 Trillion IoT devices by 2035 and will be worthy of $5 trillion. In Taiwan, 5G is expected to create 510,000 Taiwanese jobs and to unleash $134 billion economic value in gross output of goods and services. Apart from monetary benefits 5G is expected to bring social benefits to the human life too in enormous ways. To tap that potential many countries, governments encourage and push the mobile ecosystem to start to build the 5G networks and to launch it. 5G is coming earlier than expected and society needs to adopt to the upcoming disruption.

儀式作為人類社會中最重要的體驗活動，在歷經時代的考驗與價值觀的轉變汰換後，流傳下來的內涵與核心意義雖然不變，但表現形式、媒材不斷隨著時代發展與時俱進，本研究欲以政治大學畢業典禮薪火相傳儀式為例，利用體驗設計為框架，將儀式原有內涵作為敘事基礎，藉由數位內容的製作，以及互動設計結合當代科技的運用，重新策劃並執行互動儀式體驗，進而探討傳統儀式與互動儀式體驗的轉變與差異，因此本研究目的歸納為以下三點： 1. 以體驗設計為框架，儀式內涵為敘事核心，利用互動設計結合展示科技製作數位內容，建立互動儀式媒介、互動儀式情境，進而重新策劃、製作、展演虛實整合的互動儀式體驗。 2. 分別從表演者、主動參與者、被動參與者、製作執行者的角度，探討互動儀式體驗與傳統儀式的的轉變與差異。 3. 歸納出互動體驗設計應用於儀式展演的策劃與執行要點。 研究結果發現，互動儀式體驗透過當代互動科技的應用，讓儀式參與者能即時主動加入儀式展演的內容創作，因此相較於傳統儀式能帶來更多的參與感與歸屬感，雖然多數的儀式參與者仍偏好被動觀賞的形式，但集體共創的展演內容能引起在場儀式參與者的共鳴，進而創造儀式當下的回憶，因此深化體驗的感受，也讓儀式不只是流於形式的過程。 / Ceremony is one of the most important experiences in human society. Although the principles and core elements may remain the same, styles of ceremonies and technologies used in the ceremonies have been developed as time progress and values change. The purpose of this study was to discuss the transformation and difference between traditional ceremony and interactive media-introduced ceremony by a case study of passing the flame in National Chengchi University commencement ceremony. This study covers below three topics: 1. By utilizing experience design as framework and the narrative in ceremony as the core, preparing digital content that combines interaction design and exhibition display technology, establishing interactive media and environment, an interactive ceremony experience was re-curated, prepared, and executed. 2. Discussion of transformation and difference between interactive ceremony experience and traditional ceremony from views of performers, active participants, passive participants, and executors. 3. Key factors of application of interactive experience design in ceremony curation and execution. After field observations, digital content analysis, and interviews with some participants, the results revealed that real-time interactive experiences in ceremony can bring more sense of participation and belonging than used to. Despite most of participants preferred just watching the performance, participants could get more connection from exhibition content that contributed by themselves. Therefore, the memory created at the moment could bring stronger feelings and experience and not letting the ceremony become a mere formality.

需求高度時間彈性、學習時數低的華語成年學習者漸增，對混成遠距教學的需求增加，然而網路科技輔助的工具繁多，功能多樣而混雜。本研究蒐集各種科技輔助數位教學工具，運用其平台的多媒體、計時、評分、社群互動、角色對話、語音識別等功能，針對這類學習時數少、高度需求時間彈性的華語學習者，創造出高互動性的非同步學習活動，以提升學生動機、趣味及溝通意願，與同步教學相輔相成。並以ADDIE模式，進行教學實驗，透過觀察、訪談、課程錄影以及測驗，分析此教學設計模式及活動的學習體驗，並總結最能有效鼓勵學習動機的遠距教學模式設計。 本研究結果發現，在非同步學習活動設計中，若能提升學生的自主學習願望、細部經營遠距的人際互動方式，並關注回饋機制的設計，並運用同步課程在科技問題、學習內容上輔助非同步的學習活動，如此能有效調動學習者的學習動機。提升自主學習願望的方式包含運用競爭心理、社交願望，並透過資源整合增加學生感知的活動學習效率。在遠距人際互動方面，需仔細經營互動氣氛，提供恰當的工具，在回饋機制的設計上，關注獎勵的間隔時間、及回饋的即時性。 / There are more and more adult learners who require time flexibility for Mandarin learning. The demand for distant learning has increased. There are various online technological tools to assist learning, however, the features on the various websites are often disorganized. This study collects different kinds of technology assisted digital learning websites, and applies their features - such as multimedia players, timers, scoring systems, social interaction, role playing, and speech recognition - into Mandarin teaching. It is designed for adult learners who have fewer learning hours and require time flexibility to learn Mandarin. It aims to create asynchronous learning activities, with high interaction, in order to increase students’ motivation, interest, and communication willingness along with synchronous lessons. It applies the ADDIE model for systematic instructional design and concludes with the most efficient distance lesson model that could best encourage students’ motivation. It draws conclusions from the students’ interview about their learning experience, the teacher’s observations during the lessons, and from the recordings of the experimental lessons. The study result reveals the keys to foster motivation in distance Mandarin lessons: raising learner autonomy, undertaking distant social interaction, focusing on the design of a feedback mechanism, and utilizing synchronous lessons to help solve their learning or technical problems during asynchronous self-learning time. Making good use of students’ tendency for competition, willingness to socialize, and increasing the students’ awareness of learning efficiency, effectively fosters motivation for self-learning in distance Mandarin lessons.

P2P個人網路借貸(Peer-to-Peer Lending)平台，即為媒合個人對個人借貸的網路平台；有閒置資金者，可透過網路平台，挑選自己願意資助的對象，將資金借給資金需求者，以獲得報酬；資金需求者，則可利用此網路平台，尋找願意提供資金者，以滿足借款需求。其中，借款利率由P2P借貸平台業者依據其計算方式評估訂定；因此，對投資人來說，P2P借貸平台成為另類的理財管道；對借款者來說，則成為新興的融資方式。2016年可說是台灣P2P網路借貸元年，LnB信用市集、鄉民貸等P2P借貸平台相繼成立，設計差異化的營運模式，提供台灣大眾新型態的借貸與投資服務。 本研究以個案式的實務分析及驗證，運用平台策略的相關理論為基礎，並以商業模式之要素作為分析架構，探討個案公司LnB信用市集、鄉民貸及FundPark創辦人創建平台時的動機與目標，如何增進平台參與者互動，替用戶解決問題，並共同創造價值。因此，本研究之研究問題總結如下： (一)台灣P2P借貸平台發展之可能性。 (二)個案公司P2P借貸平台營運模式於台灣發展遇到的問題及比較。 / The Peer-to-Peer lending platform (P2P lending platform will be used as the abbreviation in the following section) the practice of lending money to individuals through online services that match lenders with borrowers. Investors holding idle capital can choose the target on the website to lend money and gain higher returns; while the borrowers’ funding needs can be satisfied by the mechanism of the P2P lending platform. Thus, the P2P lending platform has transformed the traditional idea that finance has to be handled through financial institutions. The P2P lending industry in Taiwan have been developed since 2016, the first and second P2P lending companies: Lend & Borrow(LnB信用市集) , Lend(鄉民貸) were founded during 2015 and 2016, which were devoted to offering reasonable interest rates for lenders and borrowers. Based on the concept of platform strategy and the factors of business model, this study investigates the object and the motivation of the founders when they founded the P2P lending companies, and discusses how they increased the interaction of the players in the platform ecosystem, with the case study of P2P lending companies--Lend & Borrow(LnB信用市集) , Lend(鄉民貸) and FundPark. Therefore, the research questions of this study are as follows: 1.The practicability of the P2P lending platform in Taiwan. 2.The comparison of the business model, and the obstacles that the P2P lending companies faced in Taiwan.

金融科技的快速發展，對金融業經營帶來了巨大的衝擊。本研究分析國外銀行的分行發展趨勢，發現其轉型的主要動機為降低成本以提高效率及數位化轉型，在經營策略上多有裁撤分行與人力的現象，對現有分行也朝向多元化的經營型態發展;另分析國內銀行發現，過去以實體分行為獲利主要引擎的商業銀行，雖無大量分行裁撤情形，但近幾年在經營策略上也都開始進行數位化的調整。顯見數位化與行動化的浪潮，已對金融業的經營模式造成顛覆性的改變。本研究亦藉由訪談國內具代表性之銀行，瞭解在數位環境下的分行轉型及建置原生數位銀行的實務作法。綜合本研究之分析得到以下結論： (一) 實體分行與數位銀行是相輔相成，經營型態將更多元化與彈性。 (二) 建立重視客戶體驗的企業文化，提升行員銷售與服務加值功能。 (三) 虛實通路整合發揮全通路價值，化競爭為互補，提升競爭優勢。 數位化智能設備的建置是金額龐大的投資，透過本研究也建議銀行業者要審視客戶實際需求與內部流程系統的整合程度，謹慎評估再適量配置。在銀行規劃數位轉型策略上，本研究也提出四大建議： (一) 客製化：學習零售業思維，重視客戶的聲音與市場的需求。 (二) 一致化：效法製造業管理，確保多通路一致性的流程與品質。 (三) 參與性：善用社群媒體經營互動，透過大數據行銷與服務無縫接軌。 (四) 安全性：建立安全可信任交易環境，關鍵風險指標全面即時監控。

金融科技正在全世界盛行，因應時代潮流趨勢，也推出新的金融服務與因而衍生出智慧型手機的行動服務。隨著科技的演進與變化促使產業陸續往前發展，而金融與科技的交鋒，再次把金融創新推向另一個新的競爭起點與啟動新的經濟系統，在傳統桌上電腦漸漸被平板電腦及智慧型手機取代之際，科技的擴展已在金融業產生不可阻擋的力量。金融科技若可藉此改善客戶之服務、重視風險之管理、提升經營之效率、降低營運之成本，將可能被大家所能接受。然而，傳統金融業採用新技術的速度很難與新生金融科技公司相抗衡，而客戶的需要不再只是實體營業據點，而是金融科技的功能與特色，這一切帶動了如同爆炸式的金融業環境的改變與產生新的競爭面相。 世界經濟論壇將金融科技分為六大類，支付(Payment)、保險(Insurance)、存放款(Deposit & Lending)、資本募集(Capital Raising)、投資管理(Investment Management)及市場資訊供應(Market Provision)。隨著金融環境的變化，探討金融科技的創新。本文分析探討台灣FinTech的未來可能發展。本研究總結，建議放寬金融行業數位化與線上服務及允許金融業轉投資金融科技相關產業外，更應該以具體政策與法規環境，鼓勵金融科技相關新創事業。另外，就法規方面而言，我國的法規仍然相對嚴格，且存在較多的管制。期許未來金融科技辦公室在制定金融科技發展策略時，能以金融科技生態系統的宏觀角度來思考，為金融科技新創事業的發展，創造有利的法規環境。政治大學商學院開始有金融科技相關課程，送政大學生去美國矽谷實習擁抱國際，台灣更需要的是「人才的培養」。把臺灣變成亞洲人工智慧的重要研發中心，來迎戰數位時代的來臨。 / Everybody talks about FinTech these days. Everything is changed very quickly. The bank is no longer a "place" but "something you do." Evolution and changes in technology have prompted the industry move forward, while the Financial and Technology confrontation, again another financial innovations to new competition and start a new starting point Economic systems, personal computers gradually replace the Tablet PC and smartphone occasion, the spread of technology has in the banking industry unstoppable force. We really need to learn how technology affects us in this changing world. The study is to investigate the evolution and development of FinTech. World Economic Forum make FinTech into six parts. Payment, Insurance, Deposit & Lending, Capital Raising, Investment Management and Market Provision. The study focus on the financial environment changes, explores innovative financial technology. Analysis of the actual situation at home and abroad using the FinTech explores Taiwan FinTech possible future development. The study make a conclusion that the most important thing we have to do now is to make a better law and give young people a chance to study FinTech and to let young people have a chance to try to startup a new FinTech company. Young people, so called, “Digital Generations” has to consolidate the core value of the financial technology. Hope more and more students can go to Silicon Valley to learn how the financial technology works there.