Publications-Theses
Article View/Open
Publication Export
-
Google ScholarTM
NCCU Library
Citation Infomation
Related Publications in TAIR
題名 金融業公民開發策略分析—以摩根大通為例
Analysis of Citizen Development Strategies in the Financial Industry: A Case Study of JPMorgan Chase & Co.作者 莊明萱
Chuang, Ming-Hsuan貢獻者 黃國峯<br>林谷合
Huang, Kuo-Feng<br>Lin, Ku-Ho
莊明萱
Chuang, Ming-Hsuan關鍵詞 公民開發
低程式碼開發平台
金融業
數位轉型
摩根大通
Citizen Development
Low-code Development Platforms
Financial Industry
Digital Transformation
JPMorgan Chase & Co.日期 2024 上傳時間 4-Sep-2024 14:09:47 (UTC+8) 摘要 公民開發(Citizen Development)是一種新興的軟體開發模式，鼓勵非資訊部門的員工，即「公民開發者」，利用低程式碼開發平台參與應用程式的開發。這種模式不僅能緩解科技人才短缺的壓力，還能提高開發效率、降低開發成本，並提升員工參與度。 本研究旨在探討金融業公民開發的成功關鍵，以美國金融業為例，深入剖析其成功 背後的內外部因素。研究首先透過文獻探討，回顧公民開發的定義、發展背景、技術工具、應用領域與資訊安全議題，並梳理相關理論模型。接著，運用波特鑽石理論模型，比較分析美國與台灣金融業在公民開發方面的競爭優勢與挑戰。 個案研究則聚焦於摩根大通集團(JPMorgan Chase & Co.)，這家全球金融巨頭成功推行公民開發的經驗。透過策略形態分析法分析其策略制定、執行與成效，歸納出成功關鍵，包括明確的策略目標、完善的組織架構、積極的員工賦能與培訓，以及與外部技術夥伴的緊密合作。 研究結果顯示，摩根大通的成功不僅源於美國金融業在人才、技術、資金等方面的 優勢，更重要的是，他們將公民開發視為一項策略性投資，透過完善的規劃與執行，將其融入企業文化，激發員工的創新潛能，並實現業務流程的優化與效率提升。 最後，本研究根據研究結果，提出台灣金融業推行公民開發的策略建議，包括法規 開放、人才培育、技術引進與合作夥伴關係的建立。同時也強調，公民開發並非單純的技術導入，更是一項涉及組織文化、員工思維與工作模式的全面變革，需要企業從上到下共同努力，才能實現數位轉型的目標。
Citizen Development is an emerging software development model that encourages employees outside of the Information Technology department to participate in application development using low-code platforms. This model not only alleviates the pressure of the shortage of technology professionals, but also improves development efficiency, reduces costs, and enhances employee engagement. This study aims to explore the key success factors of citizen development in the financial indu stry, using the U.S. financial industry as an example to analyze the internal and external factors behind its success. The research first reviews the definition, development background, technical tools, application areas, and information security issues of citizen development through literature review, and sorts out relevant theoretical models. Porter's Diamond Model is used to analyze the competitive advantages and challenges of the financial industries in the U.S. and Taiwan for citizen development. The case study focuses on JPMorgan Chase & Co., a global financial giant that has successfully implemented citizen development. By analyzing its strategy formulation, implementation, and effectiveness, the key success factors are summarized, including clear strategic goals, a sound organizational structure, active employee empowerment, and close cooperation with external technology partners. The research results show that the success of JPMorgan Chase & Co. is not only due to the advantages of the U.S. financial industry, but more importantly, they integrate citizen development into the corporate culture through sound planning and implementation, stimulating employees' innovative potential and achieving optimization and efficiency improvement of business processes. Finally, this study proposes recommendations for the implementation of citizen development in Taiwan's financial industry, including deregulation, talent cultivation, technology introduction, and the establishment of partnerships. It also emphasizes that citizen development is not simply the introduction of technology, but a comprehensive change that requires joint efforts from the top-down of the enterprise to achieve the goal of digital transformation.參考文獻 AWS. (n.d.). About AWS. Retrieved May 19, 2024, from https://aws.amazon.com/about-aws/?nc2=h_header Bank of America. (2022, February 17). Digital Engagement Soars at Bank of America to More Than 10 Billion Logins, up 15% Year-Over-Year | Press Releases | Newsroom | Bank of America. https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/02/digital-engagement-soars-at-bank-of-america-to-more-than-10-bill.html Bloomberg Tax. (2024). R&D Tax Credits and Deductions. Bloomberg Tax. https://pro.bloombergtax.com/brief/rd-tax-credit-and-deducting-rd-expenditures/ Bock, A., & Frank, U. (2021). Low-Code Platform. Business & Information Systems Engineering, 63. https://doi.org/10.1007/s12599-021-00726-8 Bruhin, O., Dickhaut, E., Elshan, E., & Li, M. (2024). The Rise of Generative AI in Low Code Development Platforms—An Analysis and Future Directions. Bubble. (2020). No-Code Census 2020. Bubble. Bureau of Labor Statistics, U.S. Department of Labor. (2024). Occupational Outlook Handbook, OOH Data Access and Republishing Information [Dataset]. https://www.bls.gov/ooh/about/ooh-developer-info.htm Casolaro, L., & Gobbi, G. (2007). Information Technology and Productivity Changes in the Banking Industry. Economic Notes, 36(1), 43–76. https://doi.org/10.1111/j.1468-0300.2007.00178.x Chase. (n.d.). Low Code Solution Architect—Associate / Sr Associate. Chase- Candidate Experience Page. Retrieved May 6, 2024, from https://jpmc.fa.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1002/job/210484534 Daud, S. N. M., Ahmad, A. H., Khalid, A., & Azman-Saini, W. N. W. (2022). FinTech and financial stability: Threat or opportunity? Finance Research Letters, 47, 102667. https://doi.org/10.1016/j.frl.2021.102667 Evident. (2023). Evident—Evident AI Index. https://evidentinsights.com/ai-index/ FDIC. (n.d.). What We Do. Retrieved May 18, 2024, from https://www.fdic.gov/about/what-we-do/index.html FED. (n.d.). The Fed Explained. Retrieved May 18, 2024, from https://www.federalreserve.gov/aboutthefed/the-fed-explained.htm Forrester. (n.d.). Forrester Glossary. Retrieved May 8, 2024, from https://www.forrester.com/staticassets/glossary.html#heading-l Gartner. (n.d.). Definition of Citizen Developer—Gartner Information Technology Glossary. Gartner. Retrieved May 6, 2024, from https://www.gartner.com/en/information-technology/glossary/citizen-developer Gartner. (2021). Gartner Survey Reveals Talent Shortages as Biggest Barrier to Emerging Technologies Adoption. Gartner Survey Reveals Talent Shortages as Biggest Barrier to Emerging Technologies Adoption. https://www.gartner.com/en/newsroom/press-releases/2021-09-13-gartner-survey-reveals-talent-shortages-as-biggest-barrier-to-emerging-technologies-adoption IBM. (2021, October 15). What is Process Mining? | IBM. https://www.ibm.com/topics/process-mining Jimenea, A., Wu, J., & Terris, H. (2024, April 30). The world’s largest banks by assets, 2024 | S&P Global Market Intelligence. The World’s Largest Banks by Assets, 2024. https://www.spglobal.com/marketintelligence/en/news-insights/research/the-worlds-largest-banks-by-assets-2024 JPMorgan Chase & Co. (n.d.-a). History of Our Firm. Retrieved May 17, 2024, from https://www.jpmorganchase.com/about/our-history JPMorgan Chase & Co. (n.d.-b). Online Commercial Banking: Digital Solutions for Corporations. Retrieved May 20, 2024, from https://www.jpmorgan.com/payments/digital-solutions JPMorgan Chase & Co. (Director). (2021, May 21). How Intelligent Automation Integrates into Bank Processes at J.P. Morgan | Tech Trends | J.P. Morgan [Video recording]. https://www.youtube.com/watch?v=No0qGhRTFog JPMorgan Chase & Co. (2022a). Annual Report 2021. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/annualreport-2021.pdf JPMorgan Chase & Co. (Director). (2022b, July 29). Modernizing Technology Through Low Code I TechTrends I J.P. Morgan [Video recording]. https://www.youtube.com/watch?v=9ETVTXeniOU JPMorgan Chase & Co. (2023a). Investor Day 2023|Asset & Wealth Management. JPMorgan Chase & Co. (2023b). Investor Day 2023|Global Technology. JPMorgan Chase & Co. (2024). Annual Report 2023. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/annualreport-2023.pdf Kagan, J. (2022). The Gramm-Leach-Bliley Act of 1999 (GLBA) Purpose, Implications. Investopedia. https://www.investopedia.com/terms/g/glba.asp Kappeyne, N. (2021, May 3). Citizen software development | Shell Global. https://www.shell.com/what-we-do/digitalisation/digitalisation-in-action/do-it-yourself-software-development-the-power-is-in-your-hand.html KPMG. (2022). 金融科技動向 2022 下半年. KPMG. https://assets.kpmg.com/content/dam/kpmg/cn/pdf/zh/2023/03/pulse-of-fintech-h2-22.pdf Lebens, M., J Finnegan, R., C Sorsen, S., & Shah, J. (2021). Rise of the Citizen Developer. Muma Business Review, 5, 101–111. https://doi.org/10.28945/4885 Lexova, I. (2024). US investors’ risk appetite, outlook on equity markets cool. https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-investors-risk-appetite-outlook-on-equity-markets-cool-79998448 Lin, B.-W. (2007). Information technology capability and value creation: Evidence from the US banking industry. Technology in Society, 29(1), 93–106. https://doi.org/10.1016/j.techsoc.2006.10.003 Lyudvig, A. (2022, June 2). Excellence in Intelligent Automation: JPMorgan Chase. Traders Magazine. https://www.tradersmagazine.com/featured_articles/excellence-in-intelligent-automation-low-code-workflow/ Matvitskyy, O., Iijima, K., West, M., Davis, K., Jain, A., & Vincent, P. (n.d.). Magic Quadrant for Enterprise Low-Code Application Platforms. Magic Quadrant for Enterprise Low-Code Application Platforms. Retrieved May 6, 2024, from https://www.gartner.com/doc/reprints?id=1-2F7NELJY&ct=231004&st=sb McKinsey & Company. (2020, October 5). How COVID-19 has pushed companies over the technology tipping point—And transformed business forever. http://ceros.mckinsey.com/coronavirus-promo-video-desktop MIT Technology Review Insights. (2023). New Approaches to the Tech Talent Shortage.pdf. MIT Technology. Murphy, A., & Tucker, H. (2023, June 8). The Global 2000 2023. Forbes. https://www.forbes.com/lists/global2000/ Oltrogge, M., Derr, E., Stransky, C., Acar, Y., Fahl, S., Rossow, C., Pellegrino, G., Bugiel, S., & Backes, M. (2018). The Rise of the Citizen Developer: Assessing the Security Impact of Online App Generators. 2018 IEEE Symposium on Security and Privacy (SP), 634–647. https://doi.org/10.1109/SP.2018.00005 Onoufriou, A. (2024, June 30). Safety Risks and Security Threats in Low-code Software Development [Info:eu-repo/semantics/bachelorThesis]. University of Twente. https://essay.utwente.nl/101101/ Pega. (n.d.). Citizen Developer | Pega Community. Retrieved May 19, 2024, from https://community.pega.com/roles/citizen-developer Ploder, C., Bernsteiner, R., Schlögl, S., & Gschliesser, C. (2019). The Future Use of LowCode/NoCode Platforms by Knowledge Workers – An Acceptance Study. In L. Uden, I.-H. Ting, & J. M. Corchado (Eds.), Knowledge Management in Organizations (Vol. 1027, pp. 445–454). Springer International Publishing. https://doi.org/10.1007/978-3-030-21451-7_38 Porter, M. E. (1990, March 1). The Competitive Advantage of Nations. Harvard Business Review. https://hbr.org/1990/03/the-competitive-advantage-of-nations Porter, M. E. (1998). The competitive advantage of nations: With a new introduction. Free Press. Quandary Consulting Group. (2023, May 18). Unleashing Citizen Development: Eye-Opening Use Cases. https://quandarycg.com/citizen-developer-use-cases/, https://quandarycg.com/citizen-developer-use-cases/ Sahay, A., Indamutsa, A., Di Ruscio, D., & Pierantonio, A. (2020). Supporting the understanding and comparison of low-code development platforms. https://doi.org/10.1109/SEAA51224.2020.00036 SEC. (n.d.). SEC.gov | Mission. Retrieved May 18, 2024, from https://www.sec.gov/about/mission SelectUSA. (n.d.). SelectUSA Financial Services Industry. Retrieved May 20, 2024, from https://www.trade.gov/selectusa-financial-services-industry Statista. (2024a). IT Services—United States, Worldwide. https://www.statista.com/outlook/tmo/it-services/custom?currency=usd&locale=en&token=ZR1HZH404D-AucAygJiR6ymdMFW9XHu-8lF2-kef4eT1n140SkzB8zYqEU6L3_RpKzAvs7C5uOvZK50-XsT3saN5RcWEdrDFCYDSdLnUIw%3D%3D Statista. (2024b). Market share of leading banks in the United States as of December 2023, by total assets [Graph] [Dataset]. https://www.statista.com/statistics/727548/market-share-top-banks-thrifts-usa-by-assets/ Statista. (2024c). Number of fintechs worldwide from 2018 to 2024, by region [Graph] [Dataset]. https://www.statista.com/statistics/893954/number-fintech-startups-by-region/ Statista. (2024d). Number of U.S. FDIC-insured commercial banks 2023. Statista. https://www.statista.com/statistics/184536/number-of-fdic-insured-us-commercial-bank-institutions/ Tom, K. (2024). Federal Reserve Board—Data [Dataset]. https://www.federalreserve.gov/data.htm UiPath Inc. (2023). Using AI to Your Advantage in Banking and Finance | UiPath. https://www.uipath.com/banking-and-finance-artificial-intelligence Vanguard. (2024). Investor risk-taking, measured. https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/investor-risk-taking-measured.html Z/Yen Group Limited. (2024). GFCI 35 Rank—Long Finance. https://www.longfinance.net/programmes/financial-centre-futures/global-financial-centres-index/gfci-35-explore-the-data/gfci-35-rank/ 中央銀行. (2024). 金融機構一覽表. https://www.cbc.gov.tw/public/data/EBOOKXLS/WLIST.pdf 中華民國統計資訊網. (2024). 總體統計資料庫. https://nstatdb.dgbas.gov.tw/dgbasall/webMain.aspx?k=defjsp 勞動部. (2024). 外國特定專業人才按特殊專長領域及性別分查詢結果網頁. https://statdb.mol.gov.tw/statiscla/webMain.aspx?sys=220&ym=10800&ymt=11200&kind=21&type=1&funid=wq09201&cycle=4&outmode=0&compmode=0&outkind=3&fld2=1&codspc0=0,13,&cod10=1&rdm=R142226 台灣金融研訓院. (2022). 我國銀行業金融科技創新與數位轉型大調查. 司徒達賢. (2021). 策略管理新論：觀念架構與分析方法 (3rd ed.). 元照出版. 產業價值鏈資訊平台. (2024). 產業價值鏈資訊平台 > 金融產業鏈簡介. https://ic.tpex.org.tw/introduce.php?ic=U000 經濟部. (2024). 電腦及資訊、專業技術服務業、租賃業統計調查. https://dmz26.moea.gov.tw/GMWeb/investigate/InvestigateEB.aspx 行政院性別平等會. (2024). 國內指標-十五歲以上人口教育程度. https://www.gender.ey.gov.tw/gecdb/Stat_Statistics_DetailData.aspx?sn=MUwvQW33tN8mhRl94KFn2g%40%40&d=m9ww9odNZAz2Rc5Ooj%24wIQ%40%40 金融監督管理委員會. (2024a). 金管會 112 年報. https://www.fsc.gov.tw/uploaddowndoc?file=report/202405171140590.pdf&filedisplay=%E9%87%91%E7%AE%A1%E6%9C%83112%E5%B9%B4%E5%A0%B1%EF%BC%BF%E4%B8%AD%E6%96%87%EF%BC%88%E7%B6%B2%E9%A0%81%E7%89%88%EF%BC%89.pdf&flag=doc 金融監督管理委員會. (2024b). 金融競爭力重要資訊-金融監督管理委員會全球資訊網. https://www.fsc.gov.tw/ch/home.jsp?id=146&parentpath=0,8 金融監督管理委員會-銀行局. (2024, May 19). 主要金融機構存款餘額 [網頁]. 金融監督管理委員會-銀行局; 金融監督管理委員會-銀行局. https://www.banking.gov.tw/ch/home.jsp?id=595&parentpath=0,590&mcustomize=bstatistics_view.jsp&serno=201105120001 描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
111363004資料來源 http://thesis.lib.nccu.edu.tw/record/#G0111363004 資料類型 thesis dc.contributor.advisor 黃國峯<br>林谷合 zh_TW dc.contributor.advisor Huang, Kuo-Feng<br>Lin, Ku-Ho en_US dc.contributor.author (Authors) 莊明萱 zh_TW dc.contributor.author (Authors) Chuang, Ming-Hsuan en_US dc.creator (作者) 莊明萱 zh_TW dc.creator (作者) Chuang, Ming-Hsuan en_US dc.date (日期) 2024 en_US dc.date.accessioned 4-Sep-2024 14:09:47 (UTC+8) - dc.date.available 4-Sep-2024 14:09:47 (UTC+8) - dc.date.issued (上傳時間) 4-Sep-2024 14:09:47 (UTC+8) - dc.identifier (Other Identifiers) G0111363004 en_US dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/153174 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 企業管理研究所(MBA學位學程) zh_TW dc.description (描述) 111363004 zh_TW dc.description.abstract (摘要) 公民開發(Citizen Development)是一種新興的軟體開發模式，鼓勵非資訊部門的員工，即「公民開發者」，利用低程式碼開發平台參與應用程式的開發。這種模式不僅能緩解科技人才短缺的壓力，還能提高開發效率、降低開發成本，並提升員工參與度。 本研究旨在探討金融業公民開發的成功關鍵，以美國金融業為例，深入剖析其成功 背後的內外部因素。研究首先透過文獻探討，回顧公民開發的定義、發展背景、技術工具、應用領域與資訊安全議題，並梳理相關理論模型。接著，運用波特鑽石理論模型，比較分析美國與台灣金融業在公民開發方面的競爭優勢與挑戰。 個案研究則聚焦於摩根大通集團(JPMorgan Chase & Co.)，這家全球金融巨頭成功推行公民開發的經驗。透過策略形態分析法分析其策略制定、執行與成效，歸納出成功關鍵，包括明確的策略目標、完善的組織架構、積極的員工賦能與培訓，以及與外部技術夥伴的緊密合作。 研究結果顯示，摩根大通的成功不僅源於美國金融業在人才、技術、資金等方面的 優勢，更重要的是，他們將公民開發視為一項策略性投資，透過完善的規劃與執行，將其融入企業文化，激發員工的創新潛能，並實現業務流程的優化與效率提升。 最後，本研究根據研究結果，提出台灣金融業推行公民開發的策略建議，包括法規 開放、人才培育、技術引進與合作夥伴關係的建立。同時也強調，公民開發並非單純的技術導入，更是一項涉及組織文化、員工思維與工作模式的全面變革，需要企業從上到下共同努力，才能實現數位轉型的目標。 zh_TW dc.description.abstract (摘要) Citizen Development is an emerging software development model that encourages employees outside of the Information Technology department to participate in application development using low-code platforms. This model not only alleviates the pressure of the shortage of technology professionals, but also improves development efficiency, reduces costs, and enhances employee engagement. This study aims to explore the key success factors of citizen development in the financial indu stry, using the U.S. financial industry as an example to analyze the internal and external factors behind its success. The research first reviews the definition, development background, technical tools, application areas, and information security issues of citizen development through literature review, and sorts out relevant theoretical models. Porter's Diamond Model is used to analyze the competitive advantages and challenges of the financial industries in the U.S. and Taiwan for citizen development. The case study focuses on JPMorgan Chase & Co., a global financial giant that has successfully implemented citizen development. By analyzing its strategy formulation, implementation, and effectiveness, the key success factors are summarized, including clear strategic goals, a sound organizational structure, active employee empowerment, and close cooperation with external technology partners. The research results show that the success of JPMorgan Chase & Co. is not only due to the advantages of the U.S. financial industry, but more importantly, they integrate citizen development into the corporate culture through sound planning and implementation, stimulating employees' innovative potential and achieving optimization and efficiency improvement of business processes. Finally, this study proposes recommendations for the implementation of citizen development in Taiwan's financial industry, including deregulation, talent cultivation, technology introduction, and the establishment of partnerships. It also emphasizes that citizen development is not simply the introduction of technology, but a comprehensive change that requires joint efforts from the top-down of the enterprise to achieve the goal of digital transformation. en_US dc.description.tableofcontents 書頁 i 誌謝辭 ii 中文摘要 iii 英文摘要 iv 目次 v 圖次 vii 第一章 緒論 1 第一節 研究背景與動機 1 第二節 研究目的與研究問題 2 第三節 研究範圍與步驟 2 第二章 文獻探討 3 第一節 公民開發 3 第二節 低程式碼開發工具 4 第三節 公民開發的專案應用 5 第四節 公民開發的資訊安全議題 7 第五節 波特鑽石理論模型 8 第六節 策略形態分析法 14 第三章 產業競爭力分析 17 第一節 美國金融業競爭力分析 17 第二節 台灣金融業競爭力分析 23 第四章 個案分析 29 第一節 個案公司簡介 29 第二節 個案公司公民開發策略簡介 30 第三節 個案公司公民開發執行概覽 33 第四節 個案公司公民開發策略形態分析 35 第五節 個案公司公民開發策略驗證 38 第五章 結論與建議 43 第一節 結論 43 第二節 研究限制與後續研究建議 51 文獻參考 53 zh_TW dc.format.extent 1187250 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0111363004 en_US dc.subject (關鍵詞) 公民開發 zh_TW dc.subject (關鍵詞) 低程式碼開發平台 zh_TW dc.subject (關鍵詞) 金融業 zh_TW dc.subject (關鍵詞) 數位轉型 zh_TW dc.subject (關鍵詞) 摩根大通 zh_TW dc.subject (關鍵詞) Citizen Development en_US dc.subject (關鍵詞) Low-code Development Platforms en_US dc.subject (關鍵詞) Financial Industry en_US dc.subject (關鍵詞) Digital Transformation en_US dc.subject (關鍵詞) JPMorgan Chase & Co. en_US dc.title (題名) 金融業公民開發策略分析—以摩根大通為例 zh_TW dc.title (題名) Analysis of Citizen Development Strategies in the Financial Industry: A Case Study of JPMorgan Chase & Co. en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) AWS. (n.d.). About AWS. Retrieved May 19, 2024, from https://aws.amazon.com/about-aws/?nc2=h_header Bank of America. (2022, February 17). Digital Engagement Soars at Bank of America to More Than 10 Billion Logins, up 15% Year-Over-Year | Press Releases | Newsroom | Bank of America. https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/02/digital-engagement-soars-at-bank-of-america-to-more-than-10-bill.html Bloomberg Tax. (2024). R&D Tax Credits and Deductions. Bloomberg Tax. https://pro.bloombergtax.com/brief/rd-tax-credit-and-deducting-rd-expenditures/ Bock, A., & Frank, U. (2021). Low-Code Platform. Business & Information Systems Engineering, 63. https://doi.org/10.1007/s12599-021-00726-8 Bruhin, O., Dickhaut, E., Elshan, E., & Li, M. (2024). The Rise of Generative AI in Low Code Development Platforms—An Analysis and Future Directions. Bubble. (2020). No-Code Census 2020. Bubble. Bureau of Labor Statistics, U.S. Department of Labor. (2024). Occupational Outlook Handbook, OOH Data Access and Republishing Information [Dataset]. https://www.bls.gov/ooh/about/ooh-developer-info.htm Casolaro, L., & Gobbi, G. (2007). Information Technology and Productivity Changes in the Banking Industry. Economic Notes, 36(1), 43–76. https://doi.org/10.1111/j.1468-0300.2007.00178.x Chase. (n.d.). Low Code Solution Architect—Associate / Sr Associate. Chase- Candidate Experience Page. Retrieved May 6, 2024, from https://jpmc.fa.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1002/job/210484534 Daud, S. N. M., Ahmad, A. H., Khalid, A., & Azman-Saini, W. N. W. (2022). FinTech and financial stability: Threat or opportunity? Finance Research Letters, 47, 102667. https://doi.org/10.1016/j.frl.2021.102667 Evident. (2023). Evident—Evident AI Index. https://evidentinsights.com/ai-index/ FDIC. (n.d.). What We Do. Retrieved May 18, 2024, from https://www.fdic.gov/about/what-we-do/index.html FED. (n.d.). The Fed Explained. Retrieved May 18, 2024, from https://www.federalreserve.gov/aboutthefed/the-fed-explained.htm Forrester. (n.d.). Forrester Glossary. Retrieved May 8, 2024, from https://www.forrester.com/staticassets/glossary.html#heading-l Gartner. (n.d.). Definition of Citizen Developer—Gartner Information Technology Glossary. Gartner. Retrieved May 6, 2024, from https://www.gartner.com/en/information-technology/glossary/citizen-developer Gartner. (2021). Gartner Survey Reveals Talent Shortages as Biggest Barrier to Emerging Technologies Adoption. Gartner Survey Reveals Talent Shortages as Biggest Barrier to Emerging Technologies Adoption. https://www.gartner.com/en/newsroom/press-releases/2021-09-13-gartner-survey-reveals-talent-shortages-as-biggest-barrier-to-emerging-technologies-adoption IBM. (2021, October 15). What is Process Mining? | IBM. https://www.ibm.com/topics/process-mining Jimenea, A., Wu, J., & Terris, H. (2024, April 30). The world’s largest banks by assets, 2024 | S&P Global Market Intelligence. The World’s Largest Banks by Assets, 2024. https://www.spglobal.com/marketintelligence/en/news-insights/research/the-worlds-largest-banks-by-assets-2024 JPMorgan Chase & Co. (n.d.-a). History of Our Firm. Retrieved May 17, 2024, from https://www.jpmorganchase.com/about/our-history JPMorgan Chase & Co. (n.d.-b). Online Commercial Banking: Digital Solutions for Corporations. Retrieved May 20, 2024, from https://www.jpmorgan.com/payments/digital-solutions JPMorgan Chase & Co. (Director). (2021, May 21). How Intelligent Automation Integrates into Bank Processes at J.P. Morgan | Tech Trends | J.P. Morgan [Video recording]. https://www.youtube.com/watch?v=No0qGhRTFog JPMorgan Chase & Co. (2022a). Annual Report 2021. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/annualreport-2021.pdf JPMorgan Chase & Co. (Director). (2022b, July 29). Modernizing Technology Through Low Code I TechTrends I J.P. Morgan [Video recording]. https://www.youtube.com/watch?v=9ETVTXeniOU JPMorgan Chase & Co. (2023a). Investor Day 2023|Asset & Wealth Management. JPMorgan Chase & Co. (2023b). Investor Day 2023|Global Technology. JPMorgan Chase & Co. (2024). Annual Report 2023. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/annualreport-2023.pdf Kagan, J. (2022). The Gramm-Leach-Bliley Act of 1999 (GLBA) Purpose, Implications. Investopedia. https://www.investopedia.com/terms/g/glba.asp Kappeyne, N. (2021, May 3). Citizen software development | Shell Global. https://www.shell.com/what-we-do/digitalisation/digitalisation-in-action/do-it-yourself-software-development-the-power-is-in-your-hand.html KPMG. (2022). 金融科技動向 2022 下半年. KPMG. https://assets.kpmg.com/content/dam/kpmg/cn/pdf/zh/2023/03/pulse-of-fintech-h2-22.pdf Lebens, M., J Finnegan, R., C Sorsen, S., & Shah, J. (2021). Rise of the Citizen Developer. Muma Business Review, 5, 101–111. https://doi.org/10.28945/4885 Lexova, I. (2024). US investors’ risk appetite, outlook on equity markets cool. https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-investors-risk-appetite-outlook-on-equity-markets-cool-79998448 Lin, B.-W. (2007). Information technology capability and value creation: Evidence from the US banking industry. Technology in Society, 29(1), 93–106. https://doi.org/10.1016/j.techsoc.2006.10.003 Lyudvig, A. (2022, June 2). Excellence in Intelligent Automation: JPMorgan Chase. Traders Magazine. https://www.tradersmagazine.com/featured_articles/excellence-in-intelligent-automation-low-code-workflow/ Matvitskyy, O., Iijima, K., West, M., Davis, K., Jain, A., & Vincent, P. (n.d.). Magic Quadrant for Enterprise Low-Code Application Platforms. Magic Quadrant for Enterprise Low-Code Application Platforms. Retrieved May 6, 2024, from https://www.gartner.com/doc/reprints?id=1-2F7NELJY&ct=231004&st=sb McKinsey & Company. (2020, October 5). How COVID-19 has pushed companies over the technology tipping point—And transformed business forever. http://ceros.mckinsey.com/coronavirus-promo-video-desktop MIT Technology Review Insights. (2023). New Approaches to the Tech Talent Shortage.pdf. MIT Technology. Murphy, A., & Tucker, H. (2023, June 8). The Global 2000 2023. Forbes. https://www.forbes.com/lists/global2000/ Oltrogge, M., Derr, E., Stransky, C., Acar, Y., Fahl, S., Rossow, C., Pellegrino, G., Bugiel, S., & Backes, M. (2018). The Rise of the Citizen Developer: Assessing the Security Impact of Online App Generators. 2018 IEEE Symposium on Security and Privacy (SP), 634–647. https://doi.org/10.1109/SP.2018.00005 Onoufriou, A. (2024, June 30). Safety Risks and Security Threats in Low-code Software Development [Info:eu-repo/semantics/bachelorThesis]. University of Twente. https://essay.utwente.nl/101101/ Pega. (n.d.). Citizen Developer | Pega Community. Retrieved May 19, 2024, from https://community.pega.com/roles/citizen-developer Ploder, C., Bernsteiner, R., Schlögl, S., & Gschliesser, C. (2019). The Future Use of LowCode/NoCode Platforms by Knowledge Workers – An Acceptance Study. In L. Uden, I.-H. Ting, & J. M. Corchado (Eds.), Knowledge Management in Organizations (Vol. 1027, pp. 445–454). Springer International Publishing. https://doi.org/10.1007/978-3-030-21451-7_38 Porter, M. E. (1990, March 1). The Competitive Advantage of Nations. Harvard Business Review. https://hbr.org/1990/03/the-competitive-advantage-of-nations Porter, M. E. (1998). The competitive advantage of nations: With a new introduction. Free Press. Quandary Consulting Group. (2023, May 18). Unleashing Citizen Development: Eye-Opening Use Cases. https://quandarycg.com/citizen-developer-use-cases/, https://quandarycg.com/citizen-developer-use-cases/ Sahay, A., Indamutsa, A., Di Ruscio, D., & Pierantonio, A. (2020). Supporting the understanding and comparison of low-code development platforms. https://doi.org/10.1109/SEAA51224.2020.00036 SEC. (n.d.). SEC.gov | Mission. Retrieved May 18, 2024, from https://www.sec.gov/about/mission SelectUSA. (n.d.). SelectUSA Financial Services Industry. Retrieved May 20, 2024, from https://www.trade.gov/selectusa-financial-services-industry Statista. (2024a). IT Services—United States, Worldwide. https://www.statista.com/outlook/tmo/it-services/custom?currency=usd&locale=en&token=ZR1HZH404D-AucAygJiR6ymdMFW9XHu-8lF2-kef4eT1n140SkzB8zYqEU6L3_RpKzAvs7C5uOvZK50-XsT3saN5RcWEdrDFCYDSdLnUIw%3D%3D Statista. (2024b). Market share of leading banks in the United States as of December 2023, by total assets [Graph] [Dataset]. https://www.statista.com/statistics/727548/market-share-top-banks-thrifts-usa-by-assets/ Statista. (2024c). Number of fintechs worldwide from 2018 to 2024, by region [Graph] [Dataset]. https://www.statista.com/statistics/893954/number-fintech-startups-by-region/ Statista. (2024d). Number of U.S. FDIC-insured commercial banks 2023. Statista. https://www.statista.com/statistics/184536/number-of-fdic-insured-us-commercial-bank-institutions/ Tom, K. (2024). Federal Reserve Board—Data [Dataset]. https://www.federalreserve.gov/data.htm UiPath Inc. (2023). Using AI to Your Advantage in Banking and Finance | UiPath. https://www.uipath.com/banking-and-finance-artificial-intelligence Vanguard. (2024). Investor risk-taking, measured. https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/investor-risk-taking-measured.html Z/Yen Group Limited. (2024). GFCI 35 Rank—Long Finance. https://www.longfinance.net/programmes/financial-centre-futures/global-financial-centres-index/gfci-35-explore-the-data/gfci-35-rank/ 中央銀行. (2024). 金融機構一覽表. https://www.cbc.gov.tw/public/data/EBOOKXLS/WLIST.pdf 中華民國統計資訊網. (2024). 總體統計資料庫. https://nstatdb.dgbas.gov.tw/dgbasall/webMain.aspx?k=defjsp 勞動部. (2024). 外國特定專業人才按特殊專長領域及性別分查詢結果網頁. https://statdb.mol.gov.tw/statiscla/webMain.aspx?sys=220&ym=10800&ymt=11200&kind=21&type=1&funid=wq09201&cycle=4&outmode=0&compmode=0&outkind=3&fld2=1&codspc0=0,13,&cod10=1&rdm=R142226 台灣金融研訓院. (2022). 我國銀行業金融科技創新與數位轉型大調查. 司徒達賢. (2021). 策略管理新論：觀念架構與分析方法 (3rd ed.). 元照出版. 產業價值鏈資訊平台. (2024). 產業價值鏈資訊平台 > 金融產業鏈簡介. https://ic.tpex.org.tw/introduce.php?ic=U000 經濟部. (2024). 電腦及資訊、專業技術服務業、租賃業統計調查. https://dmz26.moea.gov.tw/GMWeb/investigate/InvestigateEB.aspx 行政院性別平等會. (2024). 國內指標-十五歲以上人口教育程度. https://www.gender.ey.gov.tw/gecdb/Stat_Statistics_DetailData.aspx?sn=MUwvQW33tN8mhRl94KFn2g%40%40&d=m9ww9odNZAz2Rc5Ooj%24wIQ%40%40 金融監督管理委員會. (2024a). 金管會 112 年報. https://www.fsc.gov.tw/uploaddowndoc?file=report/202405171140590.pdf&filedisplay=%E9%87%91%E7%AE%A1%E6%9C%83112%E5%B9%B4%E5%A0%B1%EF%BC%BF%E4%B8%AD%E6%96%87%EF%BC%88%E7%B6%B2%E9%A0%81%E7%89%88%EF%BC%89.pdf&flag=doc 金融監督管理委員會. (2024b). 金融競爭力重要資訊-金融監督管理委員會全球資訊網. https://www.fsc.gov.tw/ch/home.jsp?id=146&parentpath=0,8 金融監督管理委員會-銀行局. (2024, May 19). 主要金融機構存款餘額 [網頁]. 金融監督管理委員會-銀行局; 金融監督管理委員會-銀行局. https://www.banking.gov.tw/ch/home.jsp?id=595&parentpath=0,590&mcustomize=bstatistics_view.jsp&serno=201105120001 zh_TW
