隨著Bank3.0重新定義了銀行的定位，進入Bank4.0時代，更強調銀行提供的金融服務將逐漸跨產業合作，徹底融入民眾的日常生活。這樣的發展不僅使銀行扮演的角色與以往有極大的差異，亦突顯出未來金融業勢必與科技緊密結合，呈現嶄新的金融服務樣貌。而開放銀行為其一眾所矚目的科技技術：在使用者同意授權的情況下，開放銀行透過開放API讓第三方服務提供者得以讀取或存寫使用者之金融數據，擴大金融服務範圍、創造客製化的金融服務。
台灣於2019年起採行三階段開放模式推動開放銀行，但目前許多民眾亦持觀望與保留態度，以至於開放銀行普及程度仍遠不及網路銀行、純網路銀行等其他數位銀行。欲成功推動開放銀行，首重探討及分析影響民眾接受這項科技的關鍵因素，因此本研究欲以任務科技適配度及初始信任角度切入，探究民眾對於開放銀行使用意圖。本研究共蒐集315份有效問卷，結果驗證任務科技適配度與初始信任對於開放銀行使用意圖之正向影響，並根據研究分析結果提出理論面與實務面意涵，希望藉此提供開放銀行發展上的建議。

With Bank3.0 redefining financial services and payments, Bank4.0 emphasizes that bank is either embedded in our world via technology or no longer exists. Such development not only makes the role of banks significantly different from the past but also highlights that the financial sector is bound to integrate with technology closely. Open Banking is an innovation with financial implications for individuals, which provides third-party access to financial data through Open application programming interfaces (Open APIs) and creates customized financial services. As the financial literacy Open Banking may bring, it's a service that has received considerable attention.
Although Taiwan has started to promote Open Banking since 2019, its lack of popularity so far shows that many people are still taking a wait-and-see attitude towards it. It is essential to discuss the key factors fostering public acceptance of Open Banking to improve the current situation.
By integrating the task technology fit(TTF) model and the initial trust model(ITM), this research proposes an Open Banking usage intention model. The hypotheses of the conceptual model were subsequently assessed with structural equation modeling using a dataset of 315 Taiwanese survey respondents, and the results verified the positive impact of task technology fit and initial trust on the usage intention.This study offers valuable insights to decision-makers involved in the deployment of Open Banking services. For researchers, the paper highlights the usefulness of integrating TTF and ITM in the development of a decision support framework to study the adoption of new technologies.

論文審定書 i
摘要 ii
Abstract iii
目錄 iv
圖次 vi
表次 vii
第一章 緒論 1
第一節 研究背景 1
第二節 研究動機 6
第三節 研究問題與目的 7
第四節 研究方法與流程 8
第二章 文獻探討 9
第一節 開放銀行(Open Banking) 9
第二節 任務科技適配模型(Task-Technology fit model, TTF) 11
第三節 初始信任模型(Initial Trust Model) 14
第三章 預計之研究方法與步驟 18
第一節 研究模型 18
第二節 研究假說 19
第三節 操作型定義 26
第四節 研究設計 27
第四章 資料分析 32
第一節 樣本基本資料分析 32
第二節 衡量模型 34
第三節 結構模型及假說驗證 45
第五章 結論與建議 48
第一節 研究結果與建議 48
第二節 理論及實務意涵 51
第三節 研究限制 54
第四節 未來研究方向 55
參考文獻 57
附錄：本研究正式問卷 65

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