企業創新對於數位銀行之效益

Abstract

本文探討企業創新的關鍵成功因子，主要著重在企業持續創新、公司績效，以及不同企業創新方法之間的差異。研究採用次級資料和深度訪談法探討對台灣本土銀行創新的影響因子，本文同時回顧相關文獻，著重於創新在提升企業競爭力的影響，同時研究數位化轉型和疫情期間的創新策略。研究方法結合次級資料和深度訪談法，以深入了解台灣本土銀行內部的創新情況。研究結果指出，有效的管理政策、良好的企業文化、創新能力、精準行銷，以及有效率的服務流程是成功的關鍵因子。本文將文獻探討與訪談結果相結合，提供了有關企業創新對於企業成長和競爭力影響的深入見解，同時也為未來的研究提供了方向。案例研究以一家致力於數位服務的台灣民營銀行為中心，簡述了其背景，並透過訪談分析了其產品、行銷和創新的目標，透過比較傳統銀行和數位銀行，突顯出成功的企業創新因子。

The study explores the key success factors for business sustainable growth, focusing on continuous innovation, company performance, and distinctions between changes in business innovation approaches. The research uses secondary data and interviews to identify elements influencing innovation in Taiwan`s local banking. The study reviews the literature, highlights the role of innovation in competitiveness, and investigates strategies during digital transformation and the pandemic. The methodology combines secondary data and interviews to gain insights into innovation within Taiwan`s banks. Findings indicate that effective management policies, conducive culture, innovation capabilities, precision marketing, and efficient service processes are key indicators of success. The study bridges literature and interviews, contributing insights into the impact of business innovation on growth and competitiveness, and guides future research. The case study centers on a Taiwan-based private bank with digital services, describing its background, analyzing products, marketing, and innovation-driven goals through interviews. Comparing traditional and digital banking highlights successful innovation.