目前台灣致力於發展數位金融科技，不過當前在臨櫃及自動提款機大多仍以傳統出示印鑑、身分證、存摺以及提款卡的方式進行個人的金融業務處理。本文期許未來能藉由生物辨識驗證技術的發展取代準備各種繁複的身分證明資料，同時讓金融業因為生物辨識技術的發展提供更多方位貼心的服務，提升數位金融的層次。
本研究以資訊系統成功模式為核心，藉由探討生物辨識驗證系統中資訊品質、服務品質、系統品質是否會影響使用者操作意願，同時加入科技接受模型中的認之有用性作為干擾因素，觀察模型中各變數間的因果關係。
研究結果顯示，使用者對於生物辨識驗證系統的服務品質與系統品質認同度之平均值與標準差教資訊品質好，整體而言受測者對於銀行業之生物辨識驗證系統均有相當程度的使用意願。加入干擾因素「認知有用性」探討後發現在資訊品質與服務品質的層面均不產生干擾，而對於系統品質產生了弱化的影響。
整體模型指出個品質構面能夠有效衡量受測者在金融業使用生物辨識驗證系統的意願，可作為未來發展客戶本身之身分特徵證明之參考。

At present, Taiwan's financial industry committed to the development of digital finance, but most of the current products of banks and ATM use traditional methods of identification. This study hopes to replace the identity information of all kinds of heavy and complicated by biometrics, and the financial industry can provide more good customer service.
Based on the of Information System Success Model, this study explored whether the information quality, service quality and system quality in the biometrics would affect the user's willingness to operate. At the same time, cognitive usefulness was added as the interfering factor to observe the causal relationship among the variables.
The results show that the average value and standard deviation of the service quality and system quality recognition of the biometrics are better than information quality, and the participants' intention to use the biometrics in the banking industry are really high. After addition the disturbing factors- perceived usefulness, it is found that the information quality and service quality did not interfere, but had a weakened effect on the system quality. The possible reason is that banks manage the public's money. If we replacing existing identification documents, such as id, seal and passbooks, with biological features would cause psychological anxiety for users.
The overall model indicates that each quality can effectively measure the respondents' willingness to use the biometrics in the financial industry, and can be used as a reference for the biometrics in the future.

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