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博碩士論文 etd-0512106-135245 詳細資訊
Title page for etd-0512106-135245
以 Hypercube Model 分析網路銀行之創新與衝擊
Analysis of E-banking Innovation and Impact using a Hypercube Model
Year, semester
Number of pages
Chin-fu Ho
Advisory Committee
Tzyh-lih Hsia
Date of Exam
Date of Submission
動態能力、創新、Hypercube 模式、網路銀行
innovation, E-banking, dynamic capability, hypercube model
本論文已被瀏覽 5911 次,被下載 28
The thesis/dissertation has been browsed 5911 times, has been downloaded 28 times.
Over the past decade, the rapid developments and growth of information and communication technology (ICT) have triggered a new wave of financial innovation-electronic banking (e-banking). This study utilizes a hypercube model with secondary data analysis to analyze the differences in technological knowledge and business model aspects used in e-banking versus bricks-and-mortar banking, so as to explore the core capabilities in these two dimensions of e-banking innovation. The results indicate that the nature of e-banking innovation is disruptive, leading to drastic changes in both technological knowledge and business model for customers and incumbent banks. However, the innovation is modular for provider and architectural for regulators. We further identify nine core technical and eleven core business capabilities that are necessary for the stakeholders to cope with the change, each appearing to address either technical or business aspects of e-banking transformation. The findings have the potential to contribute to the understanding of impacts occurring in the change associated with e-banking and offer rich insights for the stakeholders to exploit e-banking opportunities.
目次 Table of Contents
1.緒論 1
1.1 研究背景 1
1.2 研究動機 2
1.3 研究目的 4
1.4 研究方法及流程 4
2.文獻探討 8
2.1 網路銀行 8
2.2 價值鏈模式 10
2.3 創新模式 12
2.3.1 結構性創新模式 12
2.3.2 創新加值鏈模式 14
2.3.3 Hypercube創新模式 15
2.3.4 電子商務Hypercube創新模式 16
3.網路銀行Hypercube創新模式 17
3.1 核心元件 17
3.2 商業模式 20
3.3 網路銀行利益關係人 22
4.分析網路銀行之創新與變革 35
4.1 核心元件的改變 35
4.1.1 資訊科技基礎建設 35
4.1.2 服務 38
4.2 商業模式的改變 40
4.2.1 傳統銀行之流程 40
4.2.2 網路銀行之流程 41
4.3 傳統銀行至網路銀行之創新 43
4.3.1 供應商 43
4.3.2 銀行 44
4.3.3 客戶 45
4.3.4 規範者 47
4.4 網路銀行對於利益關係人之變革 50
4.4.1 競合者之變革 51 供應商 51 客戶 51 規範者 52
4.4.2 銀行之變革 52
5.網路銀行之動態能力及網路銀行創新之價值 56
5.1 動態能力 56
5.1.1 關鍵技術動態能力 57
5.1.2 關鍵商業動態能力 58
5.2 網路銀行創新之價值 60
6.結論 64
6.1 研究成果 64
6.2 研究貢獻 68
6.3 未來研究方向 70
參考文獻 72
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