[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-fintech-22-032":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"fintech","金融科技力知識檢定","c15",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"fintech-22-032","22",32,"傳統銀行在應對挑戰時的「數位化策略」，下列何者是比較好的作法？",[13,14,15,16],"增加實體分行","建立無縫客戶體驗","破壞式分拆收益模式","切割實體與數位通路",1,"金融機構的數位轉型","傳統銀行面對金融科技挑戰,較佳的數位化策略是建立無縫客戶體驗:整合分行、網銀、行動 App 與客服等通路,讓客戶在任何管道都能流暢接續辦理業務,資料與服務保持一致,故 (B) 正確。(A) 增加實體分行會推高成本,與數位化方向相反;(C) 破壞式分拆收益模式是金融科技新創切入銀行獲利環節的手法,對銀行而言是威脅而非因應策略;(D) 切割實體與數位通路會造成體驗斷裂,與全通路整合的趨勢背道而馳。","medium",[22,26,30,34,37,41],{"id":23,"question":24,"qno":25},"fintech-19-030","銀行「延伸」金融價值鏈可採取許多方式，下列敘述何者非本題所指的延伸概念？",30,{"id":27,"question":28,"qno":29},"fintech-19-034","適合運用於例行性、重複性高之作業，可以加速作業時間，提高客戶滿意度並降低成本，讓員工無需執行例行性的單純工作而能更專注在高價值的工作，指的是下列何種技術？",34,{"id":31,"question":32,"qno":33},"fintech-19-056","傳統銀行在應對挑戰時的數位化策略，可採取的策略不包括下列何項？",56,{"id":35,"question":36,"qno":25},"fintech-20-030","國外的大型科技公司掌握客戶的線上銷售，社群活動等等網路活動，並逐步擴展至金融服務，下列何者科技公司尚未推出金融服務？",{"id":38,"question":39,"qno":40},"fintech-20-031","根據 Chris Skinner 所著《數位真轉型》之敘述，金融機構進行『數位轉型』會碰到各種挑戰，不包括下列何者？",31,{"id":42,"question":43,"qno":33},"fintech-20-056","銀行進行數位轉型，將會碰到各種挑戰，下列敘述何者錯誤？",1793070566218]