隨著金融科技不斷創新及金融環境持續改變，金融業的經營型態更在疫情發生後產生了明顯變化，本研究選取2018年至2022年共5年期間12家金控公司資料，分別挑選「數位存款戶」、「自動化櫃員機(ATM)數量」、「信用卡有效卡張數」、「電子支付帳戶使用人數」作為【客戶自主行動業務】；「存放比率」、「逾放比率」、「手續費收入」、「利息收入」作為【金融傳統業務】；並以「每股盈餘(EPS)」及「資產報酬率(ROA)」作為金控公司獲利能力指標，探討影響金控公司獲利能力之相關因素。
本研究運用敘述性統計分析、相關性分析、迴歸分析等分析方法，研究解釋變數各業務指標對被解釋變數獲利能力之影響，結果發現：
1.【客戶自主行動業務】：除「信用卡有效張數」與【每股盈餘(EPS)】呈現顯著正相關外，其餘「數位存款戶」、「自動化櫃員機（ATM）數量」、「電子支付帳戶使用人數」皆與獲利能力指標【每股盈餘(EPS)】或【資產報酬率(ROA)】為負向顯著相關。
2.【金融傳統業務】：「手續費收入」與【資產報酬率(ROA)】為正向顯著相關，「存放比率」與【每股盈餘EPS】為負向顯著相關。
隨著金融科技創新【客戶自主行動業務】的各項金融服務，得以讓金融業由線上通路更有效率且更快速的獲取客戶，進而帶動【金融傳統業務】上揚，由本研究結果發現【客戶自主行動業務】與【金融傳統業務】二者間存在著相輔相成的關係。

As financial technology continues to innovate and the financial environment is changing, the business model of the financial industry has undergone significant changes after the outbreak. This study selects data from 12 financial holding companies for a total of 5 years from 2018 to 2022. The following were chosen as [Customer Self-service Business]: "Digital Deposit Accounts", "Number of Automated Teller Machines (ATMs)", "Number of Valid Credit Cards", and "Number of Electronic Payment Account Users". The following were selected as [Traditional Financial Business]: "Deposit Ratio", "Non-performing Loan Ratio", "Fee Income", and "Interest Income"; "Earnings Per Share (EPS)" and "Return on Assets (ROA)" were used as indicators of the profitability of financial holding companies to explore the factors that affect the profitability of financial holding companies.
This study uses descriptive statistical analysis, correlation analysis, and regression analysis. The research results are summarized as follows.
(1)[Customer Self-service Business]: Except for the "Number of Valid Credit Cards" which is significantly positively correlated with [Earnings Per Share (EPS)], the remaining "Digital Deposit Accounts", "Number of Automated Teller Machines (ATMs)", and "Number of Electronic Payment Account Users" are all significantly negatively correlated with [Earnings Per Share (EPS)] or [Return on Assets (ROA)].
(2) [Traditional Financial Business]: "Fee Income" is significantly positively correlated with [Return on Assets (ROA)], and "Deposit Ratio" is significantly negatively correlated with [Earnings Per Share (EPS)].
[Customer Self-service Business] enables the financial industry to acquire customers more efficiently and quickly through online channels. This in turn drives the growth of [Traditional Financial Business]. There is a mutually reinforcing relationship between [Customer Self-service Business] and [Traditional Financial Business]

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