現代化組織雖然熱衷於導入資訊科技來提升組織競爭力，但研究發現近一半的科技導入最後是以失敗收場；此種不導入科技則組織將失去競爭力、但導入科技後卻達不到預期成效的兩難，是造成組織生產力困境的原因之一。此一企業面對科技採用的兩難困境，引發本論文的研究動機。 實務中許多科技導入失敗的案例已經說明決定企業是否擁有競爭力不在於組織是否導入科技或使用者如何採用新科技，愈來愈多的研究已證實如何在導入科技後，讓員工願意改變既有的工作習性，並樂於持續地使用科技，且逐漸將科技使用內化成為日常工作實踐，可能更加重要。此外，實務中也常發現組織內的科技使用者在面對相同科技時，往往並不是接受科技，或是拒絕科技的二元採用論；相反地，因為使用者會對科技進行自我詮釋與賦予個人意義，故導致許多不同且有趣的採用類型，甚至可能造成非預期的負面反應與行為。 過去許多探討個人層次的科技採用研究專注於科技採用者的認知因素對科技接受與否之影響，本論文則專注於科技採用的情感面探討，瞭解使用者對科技的心理擁有感受如何影響採用行為。綜合過往文獻的不足，本論文提出二項主要研究問題：(1) 科技採用是否存在多元化的採用類型？影響原因為何？與 (2) 科技採用者對科技的心理擁有感如何影響科技採用行為與績效？ 針對上述的研究問題，本論文回顧科技採用、科技意會、心理擁有感與在地知識等相關文獻，輔以二階段的研究策略，依序進行個案質化研究的理論建構 (研究一) 與量化假說的理論驗證 (研究二)。首先，研究一以新加坡康福計程車與台灣大車隊計程車為研究個案，藉由瞭解二地的計程車司機如何採用衛星派遣科技之紮根研究，歸納出科技採用者的科技心理擁有感將影響對科技的意會，與使用科技的在地知識類型；其次，科技心理擁有感可藉由以上二者的中介效果，進而影響科技採用型態與採用頻次。本論文由研究一推導出相關的研究假說，以供研究二進行關係驗證。最後，在研究二中，本論文藉由科技心理擁有感、在地知識、科技意會的量表發展與結構方程式統計分析，進行研究一的假說驗證與探討。 經由數百位計程車司機開車實踐的觀察、訪談與大樣本問卷調查後，本論文發現科技心理擁有感可區分為「我的科技心理擁有感」與「我們的科技心理擁有感」二類屬性；而科技心理擁有感將產生二大類的科技意會類型：「實用認同型科技意會」與「自利專屬型科技意會」，與二大類的在地知識：「近地型在地知識」與「遠地型在地知識」，最後，進而影響科技的多元採用類型與採用績效。 本論文有系統地利用質性紮根研究進行構念的歸納與分類，發現不同型式的科技心理擁有感、多元科技意會、在地知識與科技採用類型，並建構一個多構念且具完整性的科技採用分析架構與衡量方法。同時，本論文也借用組織行為理論中的心理擁有感理論於科技採用研究中，以解釋個人對科技的心理擁有感如何影響科技採用行為。整體而言，本論文力求達到研究情境真實性、研究衡量精準性與研究結論類推性的理論建構三大目標。 / For purposed of efficiency, organizations often engage in adopting or transferring new technology across national boundary to increase their competitive advantage. But researches found over half cases of IT (information technology) implementation failed in the end. This dilemma between losing competitive advantage without IT implication and failing in adoption with technology transfer is a main challenge of organization. The research objective of this dissertation is to understand the profound occasions of this dilemma. In the reality, many IT failure cases have illustrated keeping competitive advantage for organization was depends on how to transform users’ routines or habits from current IT usage on post-adoption stage rather than adopting a new technology on pre-adoption stage. In other words, the final goal of IT implementation is to internalize the technology use to become users’ daily practices. In addition, what is missing from the current discussion literature of technology management is that technology adoption is multiple patterns rather than a trade off between acceptance and rejection. Therefore, in different organizational context various users may render multiple interpretations of the same technology, leading diversified adoptive behaviors or some negative and unexpected results of IT use. The first research question of this dissertation is: How do people’s situated practices enact patterns of users’ sense-making towards technology, leading to multiple modes of technology use? Prior studies of technology adoption in individual level have developed a set of useful analysis on technology acceptance from users’ cognition perspective. However, the current literature has not yet investigated behaviors of technology adoption from affective approach. The second research question of this dissertation is: How feeling of ownership of technology individual user has influences their technology use? Through the literature review from technology adoption, technology sense-making, psychological ownership, and local knowledge, we built a two-stage research strategy to answer the above research questions. First, we formulae a conceptual framework by conducting qualitative research approach. Two cases was investigated in this stage, they were Comfort Taxi Co. in Singapore and Taiwan High Transportation Co. (THT) in Taiwan. By ethnographic data collecting from two cases in two years fieldwork, we observed how taxi drivers in Singapore and Taiwan adopt and use the same technology, G.P.S. (Global Positioning System) dispatch system, named Cablink. Second, from the findings of qualitative cases, we generalized the some hypothetical relationships among psychological ownership of technology, technology sense-making as well as patterns of local knowledge users own. The next, we test these hypotheses through questionnaire development and surveys answered by THT taxis drivers in Taiwan. The findings indicated that the taxi drivers had two types of psychological ownership of technology (Self-oriented and Collective-oriented) triggering two modes of technology sense-making (Pragmatism sense-making and Autism sense-making), and two kinds of local knowledge (Local search on knowledge and Distant search on knowledge). Consequently, the frequency of technology use will be influenced by above constructs directly and indirectly. In conclusion, this dissertation proposes to analyze technology adoption through sense-making and feelings of ownership by combining qualitative and quantitative methods. The findings enhance the theory of technology sense-making and psychological ownership, and suggest practical implications for post technology adoption and global technology transfer.

本研究旨在建構一個符合國內教育現況之國民中小學校長科技領導指標及權重體系，作為校長推動科技領導之參考依據，以提升學校行政效率及教學效能。 本研究以熟悉學校科技領導學理基礎之專家學者、曾撰寫科技領導博碩士論文之研究者及推行學校科技領導之行政人員共計13人做為研究對象。首先依據文獻探討之結果初擬出國民中小學校長科技領導指標並經由兩次德懷術問卷調查建構出國民中小學校長科技領導指標體系，最後再以層級分析法進行相對權重問卷調查，並運用Expert Choice 2000軟體進行統計分析以建立各項指標之權重。 本研究結果所建構出之國民中小學校長科技領導指標及權重體系包含七個層面40項指標。七個層面依其重要性，分別為「科技領導之願景發展與實施」(25.8％)、「學校成員科技知能之訓練與發展」(24.6％)、「支援與管理科技設施」(16.0％)、「整合科技於課程與教學」(13.0％)、「善用人際關係與溝通技巧增進科技使用」(8.6％)、「科技領導之評鑑與研究」(6.4％)、「科技運用之法律與倫理」(5.6％)。最後，依據研究結果，提出具體建議，俾供教育行政機關、國民中小學校長以及後續研究之參考。 / The purpose of this research is to develop performance criteria and their associated priority weights for technology leadership (TL) of elementary and secondary school principals in Taiwan. Following the Delphi method, thirteen experts, including researchers in TL and elementary school administrators who had experience in promoting and implementing technology in education, were selected to answer questionnaires to develop the performance criteria. As a result, seven principal performance criteria for TL were determined, associated with in total forty attributes (subcriteria). Based on the determined performance criteria and attributes, further surveys were conducted, in conjunction with Analytic Hierarchy Process (AHP), to determine the priority weight for each performance criterion and attribute. The performance criteria, in their order of importance, are (i) long term vision of TL development(25.8％); (ii) quality training for non-technical school staff in using technology(24.6％); (iii) provision of technical support(16.0％); (iv) integration of information technology in education(13.0％); (v)interpersonal communication skill in promoting TL(8.6％); (vi) performance evaluation of school staff in adopting technology for teaching(6.4％); and (vii) addressing law and ethics for technology(5.6％). Based on the findings, the author proposes specific suggestions that can be adopted by school principals and school authorities to promote effective use of technology in education.

none / The term “service orientation” has been explained in different ways in the literature and is often associated with terms such as market orientation, customer orientation, and being customer centered—all while never deviating from the firm’s core purpose—in order to satisfy customers’ needs and offer services that they want. A service-oriented organization focuses on what customers really need and want in order to make them feel satisfied. Considerable research has shown that organizations are more successful when they focus on a service orientation. Information technology plays an important role in the development of business orientation. Cases like Walmart involve such things as the application of the barcode, RFID, and a Continuous Replenishment System to ensure that the company has the right product shipped on time, to any store in the world. Information technologies with different functions, including business integration, business analysis, mobile communication, and collaboration, have played different roles in enabling service orientation in a firm. On the other hand, industries with different customer requirements have applied these functions in different ways. There is a need for a broad understanding of how these diverse kinds of information technologies enable service orientation in various types of firms. The study attempts to build insights about what a service-oriented organization is and what the roles information technology plays in a service-oriented organization to satisfy customers’ needs and wants. First, we study the characteristics of service orientations, then we analyze the use of information technology in these kinds of organizations. Next, multiple case studies are conducted to trace IT use in these organizations. Based on cross-industry and cross-case analysis, we examine the motivation for IT use for service orientation, the management of IT adoption, the difference of the IT role to enable service orientation in organizations, and the paths of IT use for service orientation in different industries.

自2008年金融海嘯以來金融新創公司崛起，運用新科技如雲端系統、大數據分析、物聯網等，將之應用於金融產品或企業營運模式中，此波趨勢亦影響傳統金融業者，顛覆其原有的商業模式。歐美國家之金融業紛紛投入金融科技的研究，藉由資訊科技業與金融業跨領域之合作，不同思維模式之間擦出的火花，讓金融業更為蓬勃發展。又新創公司如雨後春筍般立，為金融業帶來重大轉變，亦使得金融科技一詞成為近年來商業界最廣為討論的話題。 根據世界經濟論壇發布的一篇研究報告指出未來金融科技的演變將造成金融業之消費模式、產品型態和企業經營結構之變革，其中又以保險業首當其衝，最先受到金融科技的衝擊。保險科技一詞承接著金融科技，代表著保險業與資訊科技業的合作，在相輔相成以降低經營成本之餘，還能夠為消費者帶來全新的保險體驗。在此之下，本文欲探討受到高度監理的保險業如何在金融科技之下跟上創新的腳步，以推出符合消費者需求的商品。而相較於國外保險科技較為成熟之發展，我國保險業的創新腳步稍嫌慢了一些，故本文主要透過研究英國、美國和新加坡等地之保險業創新經營模式和保險商品，以供我國未來保險業作為參考和改良基礎。再者，傳統保險業者和新創公司如何在這被稱之為「破壞式創新」的革新當中嶄露頭角並取得領先之地位亦是本文探討議題之一。 此外，我國金融監督管理委員會在今年5月發佈金融科技發展策略白皮書，和立法院甫通過金融科技創新八法之修正草案的初審，顯示我國政府亦逐漸重視金融科技的發展，開始透過國家的力量推動金融業之創新。本文藉由比較英國和新加坡主管機關對於保險業之監理，反思我國往後立法或監理之發展方向。又對於主管機關而言，如何在消費者權益與鼓勵創新之間取捨，如何拿捏其中的平衡是長久以來的難題，因此，本文將借鏡各國保險業的發展現況，藉以探討我國在產業方面的因應和主管機關相關規範的設立。 最後，期望藉由本文的歸納和研究成果提供我國保險業未來發展方面的建議，以及政府機關可能採取的政策，還有消費者方面在變革之下應有的心態。

為了面對日益激烈的科技競爭，台灣多年來致力於高科技產業培育和技術能力的提升，期望提升我國全面競爭力，以面對21世紀的挑戰。在面對來自國際科技產業的競爭與國際市場日趨自由化的壓力，台灣希望在世界的科技舞台扮演舉足輕重的地位，則需要提升科技競爭力，而提升科技競爭力則有賴於完整結合了產業發展、國家資源、以及國家發展目標的高科技政策。 本研究首先以國家競爭力的觀點切入，研讀並分析主要的國際競爭力指標，並藉由競爭力指標歸納出科技先進國家的發展趨勢，以及台灣應加強的部分。並搜集科技先進國家的科技政策、目前政經情形，以及社會人文狀況，經過研讀後整理出構成高科技標竿政策之因素。並且，以新竹科學園區的六大類高科技產業為對象，進行問卷調查工作，以驗證本研究所提出之因素是否為產業界所接受，以及是否有其他意見。 研究結果顯示，在本研究所提出的31項因素中，多半皆獲得新竹科學園區經理人的認同，僅有少部分因素在不同產業或不同規模公司間，產生些微的差異。因此，本研究所提出之構成高科技標竿政策的因素，可以做為政策制定時之參考。在最後一章中，列出本研究之建議，希望對國內高科技標竿政策的制定以及科技發展有所助益。 / Taiwan had devoted to fostering the high-tech industry and promoting the technology ability to face the increasingly competition of science and technology in the coming of 21 century. To confront the competition from the international high-tech industry and the pressure of the liberalization of market, Taiwan needs to improve the competitiveness of science and technology if she wants to play an important role on the worldwide science and technology stage. Besides, Taiwan needs to integrate the development of industry, national resource, and the national goals of science and technology policy. This research uses the concept of national competitiveness first, and studies the main international competitiveness indicators. We want to derive the development trends of those advanced countries, and realize what parts we need to improve. Second, we collect the science and technology policy, the political and economical status of those countries we selected. And we sum up the benchmark factors of the high-tech industry policy. Third, we conduct a survey to verify the acceptability of the high-tech industry benchmark policy. The research results reveal that almost the benchmark principles and factors we sum up are accepted by the industry leaders.

根據國際貨幣基金會（International Monetary Fund, IMF）之資料顯示，服務業對一個國家在經濟發展上的貢獻比，已扮演愈來愈吃重的角色。為了因應此發展趨勢，從2006年起，政府部門便計畫能運用臺灣在「ICT科技平台」上的既有優勢，推動特定產業的科技化服務，以帶動服務產業及資訊科技產業升級。 科技化服務（IT-enabled Service, ITeS）一詞泛指善用資通訊尖端科技，提供客戶創新應用或服務，以滿足客戶需求，創造更大效益之模式。全球科技化服務業的運作，可概分為2種模式，分別為透過IT科技傳遞由人提供的服務（Services via IT, SvIT），以及科技本身就是一種服務（IT as a Services, ITaaS）。 本研究採用個案研究法，探討企業推動科技化服務的執行過程以及可能面臨的問題。以利豐集團於2000年投資電子商務的個案為例，應用所建議的科技化服務發展模型去分析個案公司從規劃、建置到營運等階段中所投入的資源及所配置的資產，並歸納出導入過程中的管理性議題，以及所衍生的資訊科技與企業競爭策略、科技化的機會與風險等相關議題。希望透過本研究結果，提供管理部門、服務產業以及資訊科技產業業者在推動以及導入科技化服務之參考。 / In recent years, International Monetary Fund (IMF) statistics show that the service sector’s importance in economic growth is more and more apparent. To cope with the trend, Taiwan government has been planning to elaborate Taiwan’s advantage in Information & Communication Technology (ICT) industry to promote ITeS since 2006, with the promotion and ITeS developing, the stakeholders are looking forward to create long-term revenue and expand this new information service market. IT-enabled Services (ITeS) can be defined as the combination of knowledge regarding certain specific areas and information technologies (IT), or the generation of new application ideas based on IT itself, to create innovative technology-based services, new business model and value added. There are two main groups of ITeS as follows: (1) Mode I: business process services delivered via IT, for example on-line banking, remote healthcare, and so on; and (2) Mode II: technology itself as a service, for example Software as a Service (SaaS). This research adopts case study as research method to discuss ITeS implementation and the potential challenges behind the scenes. By taking Li & Fung’s beta launch of the new business-to-business (B2B) e-commerce portal in August 2000 event as the single case, the study based on the proposed ITeS implementation process framework to review the case, the analysis result shows the IT assets, managerial assets and market assets through the proposal, the planning, the development and the operation phases, and generalizes the managerial issues about ITeS implementation, and the related IT and strategy, IT-enabled opportunities and risks topics. From the research findings, this research aims to provide a reference about the implementation and promotion of ITeS to those enterprises that are service firms or have interest in ITeS, as well as the ICT industry and the authority.

金融業是一個對資訊科技（Information Technology, IT）需求相當高的行業，相對於多數產業，其IT的建置時間較早，電子化程度亦趨向成熟。然而，由於市場激烈的競爭，為了提高企業整體營運績效與獲取競爭優勢，該產業仍必須投入龐大的資金於IT的應用。近年來，隨著國內政策的改革，跨產業併購已成為金融業未來發展的趨勢，其併購後所面臨的IT整合與更新再次帶動金融業對IT的需求。網際網路的蓬勃發展，亦提供金融業者新的競爭市場與商機，例如網路ATM等金融服務紛紛推出，隨之帶來的線上交易模式使得資訊安全議題更加受到重視，相關的IT應用成為金融業所考量的重點之一。 　　如此龐大的IT投資突顯了資訊科技評估的重要，一直以來，金融業的IT投資僅次於高科技產業或製造業，其資訊科技支出常佔營收一定的比例，若能有效掌握IT資本，必可協助企業做出最佳的投資決策。本研究即以資本的觀點定義IT資本，並以此為依據，建構一套IT資本的衡量構面與指標，透過個案訪談的方式深入了解金融業IT資本的概況以及驗證指標的適用性，藉此了解金融業所重視的衡量指標為何並進而探討之。 / The Financial service industry places high demands upon information technology (IT). Compared with other industries (except for manufacturing-related industry), it not only begins IT implementation early but also has a better IT infrastructure. Owing to fierce competition in the financial markets, however, companies in the financial service industry still have to invest a huge amount of money in IT in order to enhance their whole performance and gain competitive advantages. In recent years, due to reformation of policies, across the field mergers and acquisitions have become the financial industry’s current trend. It not only makes financial firms spend more money on the integration and updating of IT systems after mergers and acquisitions but also stimulates the demand for IT at the same time. The growth of the Internet also provides financial service firms with new competitive markets and opportunities, such as e-ATM. In addition, due to the extensive use of the Internet and information systems, it makes firms pay close attention to information security issues and consider relevant IT applications to be a key point to focus on. 　　As described above, the huge amount of investment in IT has shown the importance of IT assessment. In general, the financial industry’s IT investment is no less than in high-tech or manufacturing industries; and its IT spending often takes a large part of revenue. Therefore, if financial firms could have a good understanding of IT capital, it will help them to plan the best IT investment strategy. In this research, we define what IT capital is from the viewpoint of capital, and develop the performance dimensions and indicators of IT capital to help firms to understand and assess their IT capital. In addition, we observe the overview of IT capital and verify the applicability of performance indicators through interviewing five benchmark companies in the financial industry. By way of case study, we understand what performance indicators the financial industry values most and then discuss the relation between IT investment and firm performance.

電子商務的興起帶來了許多線上支付相關的議題與挑戰，第三方支付服務可能為其解決方式之一。企業提供第三方支付服務，須建置一套資訊系統(平台)於網際網路上供交易三方使用，並須做到實名認證及履約保證等機制。本研究主要探討台灣企業導入與發展第三方支付平台的關鍵因素，以多重個案研究法進行，整合科技-組織-環境(TOE)框架理論來發展本研究的架構模型，並以結構化訪談方式收集兩家第三方支付業務提供者的意見；而使用者的使用意願也是企業導入與發展第三方支付平台服務的重要參考依據，本研究參考科技接受模式(TAM)來探討使用階段的關鍵因素，並透過訪談問卷，收集使用者的意見。最後將結構化訪談資料及問卷訪談資料，經過彙整分析後，提出共23項命題。這23項命題可作為業界日後導入與發展第三方支付平台的參考，及可提供予金融監理機關做為未來制定專法之參考。

本研究旨在探討有關宜蘭縣國民中、小學校長科技領導、教師資訊科技素養與教師教學效能的現況，並分別針對教師個人背景變項與學校環境變項在校長科技領導、教師資訊科技素養與教師教學效能的差異情形加以探討，再加以分析三者相關情形，最後則探討其線性關係。 本研究採問卷調查法，以宜蘭縣公立國中、小教師為研究對象，利用「國中、小校長科技領導、教師資訊科技素養及教師教學效能」線上問卷進行調查，抽取92所國民中、小學579位編制內教師為樣本。將蒐集的資料以描述性統計、t考驗、單因子變異數分析、Pearson積差相關分析及結構方程模式等統計方法進行分析。研究結果如下： 一、宜蘭縣公立國民中、小學教師知覺校長科技領導現況是屬於中上程度。 二、教師知覺校長科技領導會因年齡、擔任職務、學校類別與學校所在地不同，而有顯著差異。 三、宜蘭縣公立國民中、小學教師資訊科技素養現況是屬於中高程度。 四、教師資訊科技素養會因年齡、教育程度、擔任職務與學校類別不同，而有顯著差異。 五、宜蘭縣公立國民中、小學教師教學效能現況是屬於中高程度。 六、教師教學效能會因性別、年齡、任教科目與學校類別不同，而有顯著差異。 七、校長科技領導、教師資訊科技素養與教學效能之間有顯著正相關。 八、校長科技領導與教師資訊科技素養能影響教師教學效能。 依據上述研究結論，對學校行政領導與教學及未來研究者，提出具體建議。 關鍵詞：科技領導、資訊科技素養、教學效能 / This study aimed to explore the current condition of Yilan County public junior high school and elementary school principals’ technology leadership, teachers’ information technology literacy and teachers’ teaching efficiency, and aimed at discussing each individual teacher’s background variables and school environmental variables under the differences of principals’ technology leadership, teachers’ information technology literacy and teachers’ teaching efficiency, and I further analyzed the relationships of these three, then finally, to explore the linear relationship. In this study, I adapted a questionnaire survey method, using Yilan County public junior high school and elementary school teachers as studying object. I applied the “Principals’ Technology Leadership, Teachers’ Information Technology Literacy and Teachers’ Teaching Efficiency Questionnaire” as the online questionnaire to survey samples from 92 junior high schools and elementary schools’ 579 certified teachers. After data collected, I used descriptive statistics, t test, one way analysis of variance, Pearson product-moment correlation analysis and structural equation models for analysis. The results of research are as follows: 1. Current Yilan County public junior high school and elementary school teacher’s perception on principals’ technology leadership is above average. 2. Teacher’s perception on principals’ technology leadership differs significantly because of the age, position, type of school and school location. 3. Yilan County junior high school and elementary school teachers’ information technology literacy is high. 4. Teachers’ information technology literacy differs significantly because of age, education level, position and type of schools. 5. Current Yilan County junior high school and elementary school teachers’ teaching efficiency is high. 6. Teachers’ teaching efficiency differs significantly by gender, age, teaching subjects and type of schools. 7. There is a significant positive correlation between principals’ technology leadership, teachers’ information technology literacy and teachers’ teaching efficiency. 8. Principals’ technology leadership and teachers’ information technology literacy influence teachers’ teaching efficiency. Based on the above research conclusions I submitted specific recommendations on school administration leadership, teaching and future researchers. Keywords: technology leadership, information technology literacy, teaching efficiency

台灣銀行在1991年開放新銀行設立後，國內銀行家數快速增加，競爭激烈，銀行用優惠放款利率搶市占，存放款利差縮小，壓縮銀行獲利。銀行業者為維持銀行獲利性，積極拓展無風險的手續費收入，即現今財富管理業務。 財富管理業務是近期銀行業發展最為快速的業務，由於國內國民所得與儲蓄提升，國人資產大幅成長，民眾對投資理財、資產增值及稅務規劃需求增加，銀行財富管理業務蓬勃發展，財富管理收入占銀行營收比重逐年提高，成為銀行重要獲利來源。 近年銀行財富管理業務面臨到很大的衝擊，一是主管機關政策性開放，新競爭者加入，有證券商及基金平台加入財富管理市場競爭行列；再者是金融科技業者帶來的大威脅，金融科技正在全球挑戰各地傳統的銀行及保險業商業模式，重塑金融服務為當前首要之務。 本研究採個案研究與質化訪談法，以S銀行為研究對象，S銀行為銀行業界商品線最齊全的銀行，如：境內外全系列基金、海外債、ETF、SI等等，另外保險產品由S銀行人身保險代理公司代理各大壽險業及產險業之優質保險商品，其商品競爭力較其他銀行業者強。本案透過資料蒐集整理及高階主管的訪談，對S銀行2012-2015年財富管理業務營運成效與其他五家同業加以研究分析，探討S銀行財富管理業務面臨的問題及發展成效。 S銀行在財富管理業務上，規模日益擴大，手續費收入亦逐年成長，經營成效佳，但同時面臨市占下滑、理財專員斷層之困境，建議S銀行的財富管理業務在科技創新及同業的競爭雙重壓力下，應重新定位，思考新的營運策略，提供一種新的方式能夠給予客戶建議、處理交易訊息、分析數據、幫助客戶做出更好的選擇，有效管理產品組合、更充份利用行動科技技術等，這些創新的改變最大的影響就是提升銀行營運能力、獲利能力，同時降低成本結構，創造S銀行價值。