The liberalization, internationalization, securitization and computerization of the financial market in Taiwan is forcing the banking industry to face rapid changes. Furthermore, only the banks which make use of the information technology more efficiently will get the competitive edge and improve her performance through offering a diversity of products and services. The banking industry has used the financial information technology to replace the banking operation procedures conducted conventionally by human. The most important for the banks is how can they supply financial information and offer solutions to meet each client's requirements individually. This can be achieved by enhancing the quality of services by means of call center, electronic, home banking, ATM, etc. This study intends to examine consumer behaviour by using multi-variable statistical analysis with costomer segmentation. Moreover, this study will suggest that the banking industry performance can be improved by changing the bank's operation systems and changing the competitive strategy to focus on individual customer needs. Established over 26 years, United World Chinese Commercial Bank (UWCCB) has a distinguished record of achievement. As at the end of the year of 2000, the bank has more than 70 branches, and the paid-in capital and net worth amounted to NTD 34.10 billion (USD 1.0 billion) and NTD 63.20 billion (USD 2.0 billion) respectively, while its total assets have up to NTD 661.20 billion (USD 20.0 billion), and the number of accountholders has reached 4.20 million which make UWCCB able to become a global bank with sound foundations. Based on these valuable data sources, this study intends to analyse the related contribution by taking into consideration of customer characteristics and individual requirements, then to broaden the operating scale and increase the profit. Furthermore, this study also intends to make some suggestions for the bank able to excerpt more revenues from some groups of clienteles. The appliance of financial information technology has brought more opportunities for the banking industry, not only for the maximum benefit of customers, it also help the banks to perform the function of ¡§money-flow¡¨ in the economy. Keywords¡GBanking Performance, Multivariate Statistical Analysis, Database Marketing, Internet Banking, Information Technology