隨著數位科技的快速發展，流程自動化已成為銀行推動數位轉型的重要手段之一，可有效改善高重複性與規則導向之作業流程，提升營運效率並降低人為錯誤。然而，現有數位成熟度模型多著重於整體數位化程度之衡量，較少針對特定流程提供具體且可操作之評估方法，亦難以判斷流程制度化程度。因此，本研究旨在建構一套評估銀行流程自動化整合能力之能力度模式，以補足既有模型之不足。 本研究以能力成熟度模型整合（CMMI）之能力度概念為基礎，聚焦「流程自動化整合」流程領域，建構銀行流程自動化整合能力度模式（BPAI-CM），用以評估流程之執行與制度化程度，並以一商業銀行為個案展示，透過 SCAMPI 評等邏輯進行能力度分析。研究結果顯示，BPAI-CM 能協助銀行以結構化方式檢視流程自動化推動現況，並辨識由專案導向邁向制度化管理過程中的關鍵改善方向。本研究之貢獻在於將數位轉型評估焦點由整體成熟度收斂至特定流程能力度分析，補足既有模型在流程層級操作化與制度化判斷上的不足，並提供實務可行之評估與改善依據。;With the rapid development of digital technologies， process automation has become a key approach for banks to promote digital transformation， enabling improvements in highly repetitive and rule-based operational processes， enhancing efficiency， and reducing human errors. However， most existing digital maturity models primarily focus on measuring the overall level of digitalization， while providing limited support for assessing specific process domains and their degree of institutionalization. Therefore， this study aims to develop a capability model for evaluating process automation integration in the context of banking digital transformation， addressing the limitations of existing models. This study is grounded in the capability level concept of Capability Maturity Model Integration (CMMI) and focuses on “process automation integration” as a specific process area. Based on this foundation， the Banking Process Automation Integration Capability Model (BPAI-CM) is developed to assess the execution and institutionalization of process automation. A commercial bank is employed as a demonstration case， and the SCAMPI appraisal method is applied to evaluate its capability level. The results indicate that BPAI-CM enables banks to systematically examine the current state of process automation and identify key improvement areas in transitioning from project-oriented implementation to institutionalized management. This study contributes by shifting the focus of digital transformation assessment from overall maturity to capability evaluation at the level of specific process domains， thereby addressing the limitations of existing digital maturity models in process-level operationalization and institutionalization， and providing a structured and practical framework for evaluation and continuous improvement.
