實體分行的轉型對台灣銀行業者而言是個現在進行式，雖無固定模式，但在世界各地已有多個成功創造效益的轉型策略出現，本研究將彙整國外銀行業者成功案例，探討在Bank 3.0行動裝置的大環境下，本國銀行業者如何準備並做改變。實體分行轉型勢在必行，如何找出一條切實可行的策略路線，提升實體分行的商業價值，是本研究探討的議題。 ;Banking services are no longer offered only by physical bank offices because of the rapid innovations in internet technologies and the popularity of smart devices. Nowadays, customers can easily and fast complete banking services online anytime and anywhere without the restriction of business hours or wasting time on traffic jam as long as there is internet access. Consequently, the increases of online banking services pose a grave threat to the survival of traditional bank branches. Therefore, in order not to be substituted by virtual banks, brick-and-mortar banks must transform and express irreplaceable features in banking business.
The revolution of brick-and-mortar banks is already becoming an ongoing certain trend. In spite of lacking fixed-mode program, there are many effective transformation strategies creating benefits have been applied around the world. In this study, I will summarize some successful cases of oversea banks, and discuss how bankers in Taiwan could respond to this current change in the mobile Bank 3.0 environment. The transformation of brick-and-mortar banks is imperative; however, how to come up with a useful and achievable strategy to enhance the business value of physical bank branches is the main theme in this thesis.
