A Study on Key Succes Factor of e-banking

[[abstract]]本研究以金融服務業中的銀行業為研究標的，藉由蒐集國內外期刊雜誌、相關論文、專書和年鑑與銀行業ｅ化歷程探討及實例引介，分別從八個構面探討其對ｅ化之影響並推論出研究變數，再對銀行從業人員實施問卷調查後，依據計量統計之因素分析法進行實證研究，以萃取並推導出銀行業ｅ化關鍵成功因素。 研究發現，銀行業ｅ化的關鍵成功因素，可分為八個，分別是：成本考量與效益導向之「管理因子」、安控規劃與網路系統之「設計因子」、市場競爭與環境需求之「趨勢因子」、經營改革與行銷轉型之「策略因子」、客戶導向與關係管理之「服務因子」、資訊教育與組織變革之「效能因子」、政府建設與法令租稅之「政策因子」、推展方式與專業策動之「執行因子」等。 其中，「管理因子」中的《成本因素》是最具關鍵性及解釋力的要素，但就實務面而言，ｅ化進展及執行之成敗繫乎於人，故根本之潛在因素為「人本因子」。[[abstract]]This research explores the key factors of a successful e-banking in Taiwan. Trough broad reference reviews concerning Banking, we construct eight dimensions, each with ten detailed aspects, in the survey. By factor analysis, we thus extract the key factors of success for e-banking. The findings show that eight factores could be atributed to the keys. The management factor concerns cost savings and efficiency, and the design factor represents a safe control of the network. It is the trend factor that contains market competition and market environment, while the strategy factor states the stuff about management revolution and maketing transformation. Next, the service factor involves custumor-apporach management as well as relation management. The issues of information education and organization revolution contribute to the efficiency factor, while the government fundamental constructions and tax laws consist of the policy factor. Finally, the implementation strategy and the professional training construct the basic of implementation factor. Among these key factors, the cost element in the management factor is the most important and powerful explantory variable. However, regarding pratical aspects, the essential of a successful development in e-business is seriously concerning the characteristics of all participants, which is titled as the human factor