| Summary: | 碩士 === 國立彰化師範大學 === 企業管理學系 國際企業經營管理(IMBA) === 105 === "Bank 3.0" This book is a big change in the banking industry, with the development of Internet technology, digitalization of financial products and the convenience of the Internet, many banking business can be through the network transactions, do not have to go to the bank ;do not have to be limited to the bank's business hours by 3:30 before the transaction. Taiwan's Financial Supervisiory Commission R.O.C committee to promote the use of scientific and technological innovation services and application development to enhance the efficiency and competitiveness of the financial industry, they plan to set up a special branch of the office of financial technology to a promote financial science and technology innovation service vision and strategy. In addition, in order to assist or guide the cross-border transformation of the financial industry, they actively build a financial environment in 2014 to assist the financial services industry in using technology to support the development of the financial services industry.
Third-party payment, Internet finance, cloud services, action payments, large data, etc. ... the evolution of the digital financial era, driven the rapid and irreversible changes in customer spending and subversion of financial services provided by the model, consumers use the habit and the way of financial instruments to change the organization of the bank and therefore the business model is also required to adjust.
This study through the relevant literature analysis to discuss the financial science and technology innovation, The purpose of this thesis is to explore how the bankers are responding to the impact of this wave of technology. Take T Bank as the object of study and through expert interviews with traditional bankers in the face of changes in financial technology industry suffered the impact of the current needs of the banking industry talent , It is recommended that the bankers through the fitness test to find suitable for the development of the direction of re-positioning functions, the existing bankers within the organization to train a number of financial professionals, training the second expertise for their own internationally recognized professional image, reserves irreplaceable energy.
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