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Performance Measurement of Internet Bank
|關鍵字:||網路銀行;Internet banking;資料包絡分析法;主成分分析;網路指標;績效評估;Data Envelopment Analysis (DEA);Principle Component Analysis (PCA);Web metric;Performance measurement||出版社:||電子商務研究所||引用:||Booz-Allen''s Worldwide Survey (1997), Revealed a Huge Perception Gap Between Japanese and American/European Banks Regarding Internet Banking, available at: http://www.bah.com/press/jbankstudy.html. Brockett L. P., Charnes A, Cooper W. W. Huang M. Z. and Sun B. D. (1997), Data transformations in DEA cone ratio envelopment approaches for monitoring bank performance, European Journal of Operational Research, Vol. 98, pp. 250-268. Calin Gurau (2002), Online banking in transition economies: the implementation and development of online banking systems in Romania, International Journal of Bank Marketing, Vol. 20, No. 6, pp. 285-296. Canbas S., Cabuk A. , Kilic B. S. 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Yang Yong-jia (2003), The performance measurement of IT companies in US -the Application of Data Envelopment Analysis, unpublished master thesis, Department of Economics, Soochow University, Taiwan. Zineldin Mosad and Bredenlow Torbjorn (2001), Performance measurement and management control positioning quality and productivity a case in Swedish bank. Managerial Auditing Journal, Vol. 16, No. 9, pp. 484-499.||摘要:||
一九九○年後，網路的發展已改變了人們與銀行間的交易模式，西元二○○○年，經濟學人雜誌就已報導網路銀行的成本只需約現今實際至分行交易的百分之一，將有效降低銀行營運成本，而反觀消費者行為，網路也亦改變了人們的行為模式。在學術上，作者發現相當少數文獻從財務與網路指標(web metric)兩方面同時探討網路銀行之績效評估，因此本研究結合相當成熟的分析工具-資料包絡分析法(DEA)與主成分分析(PCA)，選擇2005年之樣本，32家銀行，並在資料選擇上結合財務與網路指標(web metric)兩方面同時進行全面性網路銀行之績效評估。研究過程上，本研究以資料包絡分析法進行四十五種不同的變數組合，以分析各家銀行之優劣勢，並結合主成分分析(PCA)進行排名與定位分析，最後能對台灣之網路銀行達到績效之了解。
During the 1990s, the impact of the Internet has changed the banking channel between people and banks. In 2000, The Economics reported that Internet banking costs banking institutions approximately US$0.01 per transaction and which accounts for 1% of all branch banking transactions. The Internet can help banks reduce business operation costs; but at the same time, it also changes human behavior and living style. Until now, there have been few scholarly investigations into the performance measurement of Internet banking, especially applied Data Envelopment Analysis (DEA) approach to combine financial data and web metrics, web reach number. This study examines data collected from 32 banks in Taiwan and proposes a model that combines two different approaches, Data Envelopment Analysis and Principal Components Analysis (PCA), to evaluate the relative efficiency of Internet banking in Taiwan. The key contribution of the thesis is that it focuses on combining Internet web metrics and financial variables to complete the overall measurement. This study also adds PCA analysis to find the differences in business operation and the weaknesses and strengths between the 32 individual banks in Taiwan from the 45 DEA combination models. Finally, this study helps us understand their business operation orientation. Finally, this study provides a new approach to evaluate the performance of Internet banking.
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