由於信用卡發卡銀行的競爭壓力日趨激烈，如何提升競爭優勢，已成為各發卡銀行的重要課題。但如何確保競爭優勢並取得獲利空間，則賴於組織內部是否存在知識分享之氛圍；由於知識分享是知識創造與創新與否的關鍵因素之一，因此如何使員工自願性的知識分享是一個組織相當重要的任務。本研究將以發卡銀行員工為對象，探討吸收能力、組織領導、組織氣候對知識分享與服務創新之影響，找出其中關連性所在，提高發卡銀行重視組織內員工知識分享及創新的重要性。
本研究以發卡銀行組織內員工為研究對象，總計發出450 份問卷，回收了378 份有效問卷，針對此樣本，以信度分析、因素分析、差異性分析及迴歸分析等統計方法進行資料分析驗證。經實證分析結果發現：
1、吸收能力、組織領導及組織氣候對知識分享意圖具顯著影響。
2、知識分享意圖對知識分享行為具顯著影響。
3、知識分享行為對服務創新具顯著影響。
4、不同的人口統計變數除了「年齡」、「婚姻」外，在各構面有顯著的差異性。

With the credit card issuing banks facing increasingly fierce competition, how to enhance their competitive advantage has become a critical issue in banking industry. How to ensure competitive advantage and achieve profit targets is depending on whether knowledge could be sharing or not. Knowledge sharing should be a key factor for knowledge creation and innovation. Therefore, how to make employees voluntary knowledge sharing is very important task. this study, the issuing bank employees will be targeted to explore the relationships among absorptive capacity, organizational leadership and organizational climate on knowledge sharing and service innovation that raising an important awareness of knowledge sharing and innovation for the credit card issuing banks.
With the survey, released a total of 450 questionnaires, 378 in valid were collected for the samples to reliability analysis, factor analysis, difference analysis and regression analysis. The results of the research:

1. Absorptive capacity, organizational leadership and organizational climate with a significant impact on knowledge sharing intentions.
2. Knowledge sharing knowledge sharing behavior with the intention of the significant impact.
3. Knowledge sharing behavior with a significant impact on service innovation.
4. Different demographic variables, except "age", "marriage", the one in all dimensions with significant differences.

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