數位金融改變銀行傳統經營模式，信用卡消費使用資訊隱含客戶投資偏好及需求，本研究實地調查個案銀行共同基金投資人其信用卡使用情形與共同基金申購方式之間關係，以提供個案銀行個人化精準行銷之參考。 本調查使用投資人三大面向資訊，依序為個人屬性基本資訊、共同基金交易資訊及信用卡使用情形，採用敘述統計、交叉分析表觀察資料分佈及皮爾森積差相關分析檢定變數之間線性強度與方向，並於線型條件下建構羅吉斯迴歸模型。 本研究實證結果顯示，投資人之信用卡額度、申辦信用卡張數及刷卡次數與申購共同基金存在顯著相關性，並隨機取樣迴歸模型整體預測績效達65.3%。 ;Digital Finance changes the bank′s traditional business model, credit card consumer use information implies customer investment preferences and needs, this study field investigation case bank mutual fund investors their credit card usage and mutual fund subscription methods to provide case bank personalization accuracy Marketing reference. This survey uses investors′ three major information-oriented information, namely, personal attribute basic information, mutual fund transaction information and credit card usage. The narrative statistics, cross-analysis table observation data distribution and Pearson product correlation analysis are used to check the linear strength between variables. Direction and the construction of the Logistic regression model under linear conditions. The empirical results of this study show that there is a significant correlation between the credit card quota of the investor, the number of credit cards applied and the number of credit card purchases, and the overall forecast performance of the random sampling regression model is 65.3%.
