政府推動IC金融卡業務已近八年，然其成效仍十分有限。國內金融機構為區隔消費市場，以IC金融卡延伸之應用功能，結合校園識別證件、圖書證、學生證、停車證…等功能，與各大學院校共同發行校園智慧卡，並以IC金融卡之電子錢、預付電話等功能作為校園內各項支付之工具。民國86年政大智慧卡率先發行，迄今已有二、三十家大學院校發行校園智慧卡，累積發卡量達近百萬張，惟其刷卡消費之實績一直未如預期，且發卡量亦呈趨緩之趨勢，這與金融機構積極推展校園卡，由年輕族群帶動消費市場、改變國人消費習性之理想有所違背。本研究即針對國內IC金融卡之推廣瓶頸、及金融機構推廣校園智慧卡所遭遇之問題進行探討與分析，自財金資訊公司蒐集國內金融機構IC金融卡發卡量與營運量統計資料，以探索性研究方法，進行次級資料分析，以期發現校園智慧卡在推動過程中所遭遇的問題，並提出改善之建議，使校園智慧卡達到多卡合一之功效，同時對未來政府推動各類多功能智慧卡提出建議方案。 / The government implements the IC Card business for almost eight years, but the effects are very limited. To segment consumer market, financial institutions and some universities in Taiwan co-issue Campus Smart Cards. This card has extensible functions of IC Card and can be used as campus identification card, including library ID, student ID, parking ID, etc. Furthermore, Campus Smart Card provides some functions of IC Card that can be used as payment tools on campus, such as electronic money and prepaid phone. In 1997, National Chengchi University took the lead to issue smart cards. To date, about 30 universities have issued Campus Smart Cards for almost million people. However, the total expenditure of Campus Smart Cards is not so good as expected earlier, and the volume of card issue declines. At the beginning, financial institutions issued Campus Smart Cards aggressively to let young people stimulate consumer market and to change consumers' behavior. But the situation doesn't achieve the goal. This paper discusses and analyzes the bottleneck of IC Card issue and the problems that financial institutions face when they push Campus Smart Cards. The research data are collected from FISC (Financial Information Service Co., Ltd.), including volume of card issue and card operation for IC Card. A discovery research method is used to do secondary data analysis. The purposes of this research are listed below: To find out problems during the implementation of Campus Smart Card and provide suggestions. Secondly, try to let Campus Smart Card be a popular multi-function card. Also, provide workable suggestions for the government to implement multi-function Smart Cards in the future.