科技日新月異，金融系統層出不窮，資金流動性相當重要，歷經面對面臨櫃交易、ATM無人提款、網路銀行的發展衍生到行動銀行的使用，智慧型手機的發展進而帶動手機行動市場，消費者可隨時隨地掌握資金便利且安全。金融網路系統的穩定性與安全性仍是消費者疑慮使用的原因，本研究目的在於提高行動銀行之使用率，對象為台灣銀行業高層主管。以創新擴散理論之四項因素當做準則分析，使用DEMATEL方法發放問卷結果察看準則間兩兩影響程度，以此關係程度套入ANP的層級評選行動銀行執行方案，發現提升客戶個資安全為最佳方案，也是銀行當前最優先考量執行的決策，而增加個人理財規劃之完整性則為最差方案，由此了解並改善行動銀行的特性，使其效能發揮到最大。
Advances in technology, financial systems are introduced, liquidity is very im-portant, after face to face over the counter transactions, ATM withdrawals unmanned, the development of Internet banking to mobile banking derivative use of smartphones in order to stimulate the development of mobile phone market, consumers funds available anytime, anywhere convenient and secure.Financial network system stability and security concerns of consumers is still the use of reason, this study aims to improve the utilization of mobile banking, is the Tai-wan banking industry executives. Innovation diffusion theory of four factors as criteria for analysis using methods DEMATEL questionnaire results inspect degree of influence between any two criteria, in order to set into the relationship between the degree of ANP levels selected mobile banking implementation program and found a capital increase customer safety is the best program is the most priority banking executive de-cisions, and increase the integrity of personal financial planning program was the worst, which understand and improve mobile banking features, unparalleled performance to maximize.
