近年來有關資訊系統委外作業的風險因素之研究已相當豐富，但以國內公營銀行之金融業務資訊系統委外作業的風險研究卻不多，究其原因是國內金融業因競爭強烈不易分享資訊，或同一個銀行內不同部門對於風險的管理做法不一所致。本研究主要目的在分析某公股銀行造成金融業務資訊系統委外開發延遲驗收之風險因素。相關之風險因素先蒐集國內外相關文獻，參考實務上執行委外作業可能發生的風險項目，組合建構出風險構面與風險因素，編製「金融資訊系統委外開發延遲驗收之風險因素訪談問卷」。透過某銀行內符合特定條件的8位專家與4位委外廠商之專案管理經理共同參與，以修正式德爾菲法進行專家訪談，取得專家們的共識，共界定出包含6個風險構面及34個風險因素之風險模型。最後以分析網路程序法之研究，歸納出風險管理模型。
研究結果經過一致性檢定分析，發現「需求風險」是金融業務資訊系統委外開發延遲驗收最重要的風險構面，權重比例值高達47.28%，風險因素以「系統需求持續改變」、「模糊的系統需求」及「系統需求沒有被充分定義」最重要，佔整體風險權重比例達34. 3%，再加計第4至第9順位：「雙方的合作夥伴關係」、「不明確或誤會的範疇/目標」、「沒有經驗的專案管理者」、「委外方對專案內容不清楚」、「委外方的共識與協助」及「無法滿足專案利害關係人之需求」後，合計權重比例達62.66%。以上結論做為本研究最關鍵的金融業務資訊系統委外開延遲驗收風險因素指標。
In recent years, there have been an abundance of data concerning the risk factors of information system outsourcing, but details are lacking on risk factors for government banks when outsourcing financial business information system in Taiwan. The main reason for this is that there is fierce competition within the local financial industry, thus leading to little data sharing; even within the same bank, different departments may utilize different risk management procedures. The main objective of this research is to analyze the risk factors in a government bank's delayed acceptance when outsourcing the development of the financial business information system. A review of local and international literature was first conducted, and in reference with possible categories of risks that may occur in the actual execution of outsourcing operations, a survey for risk factors in delayed acceptance of financial business information system outsourcing was generated. Modified Delphi Method was used to in a group interview that included 8 experts from the bank and 4 PMs from outsourced tenders who meet predetermined conditions. Consensus from these individuals generated a risk model that included 6 risk facets and 34 risk factors. ANP was lastly used to sum up the risk management model.
Consensus test analysis of the research results showed the risk of requirements is the most important risk facet in bank's delayed acceptance when outsourcing the development of the financial business information system, where the weighted value was as high as 47.28%. In terms of risk actors, constant changes in system requirements, ambiguous system requirements, and insufficient definition of system requirements were the most important, combining for 34.3% of weighted value. The fourth to ninth factors in order were: collaborative relationship between the two parties; unclear or misinterpreted parameters/objectives; inexperienced project manager; the outsourcing party was unclear about the details of the project; The consensus and assistance from the outsourcing party; and not meeting the needs of the project stakeholders. These factors combined for a weighted value of 62.66%. The conclusion of this research is that these are considered the most critical risk indicators for delayed acceptance when outsourcing development of financial business information system.
