金融科技趨勢來臨，帶來許多機會與衝擊，進而改變傳統金融產業而開啟另一個新競爭起點，本研究旨在探討銀行金融科技對於銀行數位轉型的影響，針對台灣國內各銀行以個案研究方式進行探討，透過銀行公開資料 及訪談高階主管方式深入了解與分析各銀行在進行數位轉型時的動機與採取的策略模式，訪談對象除了本土銀行外，亦包涵外商銀行。此外，本研究將銀行採取數位轉型視為多角化策略，以多角化策略觀點衡量銀行採取此策略對於公司績效表現的影響。研究結果顯示政府法規政策開放促使各家銀行開始進行數位轉型，此外，銀行自身規模大小影響多角化策略的看法，同時，數位金融發展的步調快或慢，並非直接影響成功的因素，雖然採取不同策略影響公司績效表現，但整體而言，數位轉型對於公司帶來正向影響。

The advance in financial technology brings plenty of opportunity and impact. Besides, Fintech not only changes the business model of the traditional financial industry but also opens another new starting point for competition. This article aims to explore digital transformation's influences on banking and conduct a case study with banks in Taiwan. The research methods consist of public information, secondary data collection, interviews with senior executives to gain an in-depth understanding and analysis of the bank's motivation, and strategic models for digital transformation. The interviewees include not only the domestic bank but also foreign banks in the market. In addition, digital transformation is regarded as a diversification strategy in this article and measures the impact of the bank's diversification strategy on the company's performance from the perspective of diversification strategy. The findings suggest that most banks have started developing digital banking due to the deregulation of government policy. In addition, the size of the bank affects development strategies and perspectives. In addition, the performance of digital transformation is not necessarily related to its pace. Eventually, there is a different performance with different strategies. To sum up, digital transformation in banking brings benefits for banks.

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