運用KeyGraph演算法與文字探勘探索行動銀行研究之趨勢;Use of KeyGraph Algorithms and Text Mining to Explore the Trend of Mobile Banking Research

[[abstract]]在資訊爆炸的今天，每個人都可以透過各種管道輕易取得資訊，早期的手持型手機至現今的智慧型手機，能夠提供的服務也越來越多元化。以金融業而言，從早期提供櫃台存款、提款、自動櫃員機服務，網路時代來臨後網路銀行的產生，隨著科技的發展，智慧型手機也越來越普及化，利用行動技術透過行動裝置（智慧型手機）開發出相關的應用軟體，使客戶能夠無距離感並即時的完成交易及掌握金融資訊，因此，如何應用行動科技讓產業轉型是產業發展的重要策略。本研究透過質性研究之文字探勘，依據Web of Science(WOS)等資料庫所提供之標題、摘要和關鍵詞來判別該篇文獻，蒐集1997至2017年行動銀行相關文獻，經過初步人工篩選排除不相關的文獻資料後共蒐集了225篇文獻來進行後續資料分析，並運用機會探索及KeyGraph演算法，圖形化及關鍵字發掘潛在影響行動銀行未來的現象或特徵。本研究發現1997至2007年智慧型手機是新的研究議題。2008至2012年多探討為行動支付所使用的技術平台及保障客戶隱私及交易安全的重要性。2013至2017年行動支付則是被持續研究及探討的議題，主要研究也包含使用者對於透過行動裝置並使用行動銀行相關交易的議題探討成功因素。本研究最後整理出綜合比較三時期關聯圖，比較三時期詞彙間特殊變化及差異性，統整後之結果希望可供未來學者及產業人員參考。 The current era of information overload has enabled people to easily obtain any type of information. From the early handheld mobile phones to the modern-day smart phones, the banking services provided have become considerably diversified. In the financial sector, the traditional banking services have developed from early banking services, such as counter deposits, withdrawals, and use of automated teller machines, to the emergence of Internet banking. Accordingly, the development of technology has resulted in the increased popularity of smart phones. The use of mobile technology to develop relevant smart phone apps has also enabled customers to complete transactions and immediately obtain financial information without having a sense of distance. Therefore, how to apply mobile technology to industrial transformation is an important strategy for industrial development.This study was conducted through qualitative research. Based on the Web of Science (WOS) databased, the titles, summaries and keywords were used to determine articles for our analyses, particularly selecting the relevant literature on mobile banking from 1997 to 2017. After a preliminary manual screening to exclude non-relevant literature, a total of 225 papers were collected for follow-up data analysis. Moreover, KeyGraph algorithm, graphics, and keywords were used to explore the potential topics of the future mobile banking.This study found that smart phones was a new research topic from 1997 to 2007. From 2008 to 2012, the use of technology for mobile payment platform and the protection of customer privacy and transaction security importance were the key research topics. From 2013-2017, mobile payments were ongoing researched and discussed topics. Also, several papers studied the successful factors of the users through the mobile device and the use of mobile banking related issues. Finally, we compared the three-period and drew the correlation graphs and compared the special changes and differences between the three periods. The results of this study are expected to be useful to scholars and practitioners