科技始終來自於人性，金融業者所提供之金融服務也深受金融科技的影響，於本次研究文獻探討章節中全球銀行創新之父-Brett King 於 2012 年提出Bank 3.0 的概念：「Banking is no longer a place you go to, but something you do.」，這句話的意思是「銀行將不只是一個地方，而是一種行為」，而台灣金融業也正在走向Bank4.0。
本研究將根據整合性科技接受模式（UTAUT）與網路服務品質（E-S-QUAL）之架構來探討持續使用數位帳戶之誘因，前項依績效期望、努力期望、社會影響、促成條件，後項依效率、系統可用性、隱私安全性、履行需求，另外再加上「客戶滿意度」與「優惠方案」兩個構面，最後再與「持續使用意圖」一併探討。
依研究結果可得知：績效期望、社群影響對於使用意圖皆有正向之影響，而效率、履行需求、系統可用性、隱私安全性對於客戶滿意度有正向之影響，客戶滿意度對於使用意圖有正向之影響。其中UTAUT之績效期望、社群影響構面與E-SQUAL效率、履行需求構面與客戶滿意度之驗證結果皆成立。

Technology has always come from human nature, and the financial services provided by the financial industry are also deeply influenced by financial technology. In the chapter on the discussion of this research document, Brett King, the father of global banking innovation, proposed the concept of Bank 3.0 in 2012: "Banking is no longer a place you go to, but something you do.", this sentence means "banking will not be just a place, but a behavior", and Taiwan's financial industry is also moving towards Bank4.0.
This study will explore the incentives for continued use of digital accounts according to the framework of the Integrated Technology Acceptance Model (UTAUT) and the Quality of Internet Service (E-S-QUAL), the former is based on performance expectations, effort expectations, social influence, and enabling conditions, and the latter is based on Efficiency, system availability, privacy security, fulfillment requirements, plus two aspects of "customer satisfaction" and "preferential plan", and finally discussed with "continuous use intent".

論文審定書 i
致謝 ii
摘要 iii
Abstract iv
目錄 v
圖次 viii
表次 ix
第一章 緒論 1
1.1 研究背景與動機 1
1.2 研究目的 4
1.3 研究流程 6
第二章 文獻探討 8
2.1 Bank1.0-4.0 8
2.2 金融業電子資金移轉制度之發展 10
2.3 行動銀行與數位銀行之使用調查 15
2.4 數位帳戶 16
2.5 數位帳戶之現況 18
2.6 整合性科技接受模式（UTAUT） 19
2.7 網路服務品質（E-SQUAL） 22
2.8 客戶滿意度 23
2.9 服務品質 24
第三章 研究方法 25
3.1 研究架構 25
3.2 研究假說 26
3.3 研究假說操作定義 27
3.4 問卷設計 28
3.5 研究對象與樣本來源 32
3.6 問卷發放與回收情形 33
第四章 實證分析 34
4.1 樣本基本資料分析 34
4.2 本研究模型每一構面之敘述性統計分析 36
4.3 信度分析(Reliability) 38
4.4 收斂效度分析(Convergent Validity) 39
4.5 區別效度分析(Discriminant Validity) 41
4.6 結構模型與假說實證 44
第五章 結論與建議 48
5.1 研究結果與討論 48
5.2 理論與實務意涵 52
5.3 研究限制與未來研究方向 54
參考文獻 56
附錄 60

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