| 摘要: | 由於全球的競爭壓力逐漸增加使得金融服務組織必須要提供給顧客越來越新的產品和服務。為了要利用產品改革的方法,以保有他們原有的客戶,並且改善銀行的服務品質,他們必須要試著去減少操作成本,簡化作業流程並且加速企業流程。 為了要應對這樣的挑戰,所有的金融組織面臨到網際網路(Internet) 科技的新革命,迫使他們必須要用這樣的新通路去提供新的金融服務和行銷。網路銀行不僅提供一個新的通路去滿足客戶的需求,同時也減少金融組織對於銀行行員的需求,顧客可以自行在家中或工作場所進行他們所想要的服務,而且完全不受時間的限制。 正如我們所知,網路銀行將會成為下一個新的趨勢,因此,我們想要提出一個全方位的分析工具,去幫助傳統銀行去轉換他們的舊有的企業模式(Business Model)以趕上新的時代。 我們提出了PTM_EB這個分析工具,用來克服在推行網路銀行的同時,在舊的企業模式和新的企業模式之間的差距,我們的研究目的要提供一個架構過去分析傳統銀行業的目前的企業模式,除了包括企業流程模式以外,同時也考慮到目前的IT架構及應用。在指出對於未來網路化潛在的機會之後,我們可以利用PTM_EB為網路銀行業設計出一個新的企業模式。 簡短的來說,PTM_EB這個架構是以物體導向(Object-Oriented)的觀念為核心,我們利用統一模式語言(Unified Modeling Language)來分析舊的企業模式,包括企業流程水準(Business Process Model)，資訊系統水準(Information System Model)和電腦網路水準(Computer Network Model)。 這個架構包含五個主要的模型,而且每個模型能表現出銀行這個領域中所具有的各個觀點(view)。在經過靜態/動態的模型分析之後,我們還有以高階斐式圖為基礎的模擬模型,來模擬As-Is和To-Be的流程績效。模擬的結果能提供銀行去推行網路銀行時擬定專案的參考依據。 The increasing pressures of global competition make financial service organizations to provide more and more new products and services. In order to retain their customers with product innovations and service improvement, they must try to reduce operating costs, streamline operations and speed up the business process. To cope with the challenge, these organizations are faced with a technological revolution in the marketing and delivery of financial services via Internet. Internet banking not only provides a new delivery channel to meet customer’s requirements, but also reduces the need for banking employees by pushing the work of data entry downstream to the customers’ home or workplace, giving them the advantage of 24-hour-availability of the services offered in return for doing then work by themselves. As we know the Internet banking will be the next trend, we want to submit an exhaustive analytic tool to help traditional banks to transform their old business model to keep up with the new era. We proposed PTM_EB to bridge the gap between old business model and new business model of banking. Our purpose of this research is to provide a framework used to analyze the current business model of traditional banking including IT infrastructure applications, and business processes. After identifying potential opportunities to be web implementation, we can design a new business model for Internet banking. In brief, the core of this framework is Object-Oriented concept. We provide a framework of PTM_EB which applied Unified Modeling Language (UML) to analyze the old business model, including business process level, information system level and computer network level. This framework contains five primary models, and each model can represent different view of banking. After static/dynamic modeling, we still have simulation model which applied High Level Petri Nets to simulate the performance of As-Is situation and To-Be situation. This result can provide the banking which want to implement electronic banking project a good reference. |
