銀行的個人金融業務變化快速，為了因應多變的消費型態，個案Y銀行需要適時調整個人金融業務的策略。為了維持房貸業務、車貸業務及信貸業務的持續增長並有效提升市場佔有率，Y銀行制定了擴大優質客戶群的目標。由於信用卡業務是銀行其他業務的敲門磚，因此Y銀行決定拓展信用卡業務，以擴大優質客戶數量，帶動個人金融業務的增長策略。
當Y銀行決定拓展信用卡業務時，先重啟評估是否委外開發自建信用卡系統，因現行系統面臨了，在客制化之系統需求，不僅費時又所費不貲，且現有系統在使用上也存在許多痛點，另為了未來能快速又彈性的推出產品，滿足業務變化之需求，最後決定行內委外開發自建信用卡系統，新系統將跳脫框架，以新的設計思維，建置出量身打造的系統功能，然而建置系統的過程，面臨了新系統及既有業務系統間的衝突，過程需考量既有系統的資料轉換和業務需持續維運，又要考量新系統功能及行內系統間串接整合，並優化整個信用卡系統流程，提昇整體作業效率，期待系統成功建置後，進而衝刺業務發展，讓信用卡業務茁壯成長。
本論文採用哈佛式個案撰寫法，包含個案本文及個案教學指引兩部分，研究主題是針對Y銀行為企業業務成長所需，而委外開發自建信用卡系統的過程，內容涵蓋了從建置評估到專案進行的過程，，並在新系統建置過程中，如何跳脫框架，重新設計規劃系統，而成功導入系統的經驗。

The personal financial services offered by banks are changing rapidly, and in order to respond to the changing consumer trends, the Y bank of this case study needs to adjust its strategies for personal financial services in a timely manner. To maintain the sustained growth of its mortgage, auto loan, and personal loan businesses, and to effectively increase market share, the Y Bank has set a goal of expanding its high-quality customer base. As credit card business is the cornerstone of the bank's other businesses, the Y Bank has decided to expand its credit card business to increase the number of high-quality customers and drive the growth of its personal financial services.
When the Y Bank decided to expand its credit card business, it first reevaluated whether to outsource or develop its own credit card system. Due to the current system's customization requirements, which are time-consuming and costly, and the many pain points in the existing system, the Y Bank ultimately decided to outsource the development of its own credit card system. The new system will break through existing framework and use innovative thinking to build system functions. However, the process of building the system faced conflicts between the new system and the existing business systems, requiring consideration of data conversion and ongoing business operations of the existing system, as well as integration with new system functions and internal systems, and optimization of the entire credit card system process to improve overall operational efficiency. After successful implementation of the system, the Y Bank expects to drive business development and foster the growth of its credit card business.
This thesis is written in the form of a Harvard teaching case, divided into two parts: the case content and the teaching guide. The research topic focuses on the process of outsourcing the development of a self-built credit card system for the Y Bank's business growth, covering the evaluation of system implementation and processes of project and introducing methods for resolving conflicts. The thesis also addresses how to break through the traditional framework and redesign the system, providing valuable experience for successful system implementation.

中文文獻
1.葉錫育(2012)。資訊部門與業務部門的衝突與整合－以C證券公司為例，國立台灣科技大學管理研究所研究論文。
2.范舒寓（2012）。自組企業資源規劃 (SAP ERP)開發團隊的決策因素-以VOIT個案公司為例，國立台灣科技大學管理研究所研究論文。
3.梁定澎、陳灯能、彭志宏(2021)。資訊管理理論(二版)，新北市：前程文化出版
4.吳思華(2000)。策略九說：策略思考的本質，臺北市：城邦文化出版
5.劉必榮(2022)。談判精華課，臺北市：先覺出版
6.蔡育旻(2022)。內化洗錢防制合規建構數位金融策略，國立台灣科技大學管理研究所研究論文。
7.張曉雯(2022)，卡爾驗車廠邁向保險證無紙化之路，國立台灣科技大學管理研究所研究論文。

 
英文文獻
1.Coase, Ronald H. (1937). The Nature of the Firm. Economica (n.s.), 4, 16: 386-405.
2.Delone, W. H., and Mclean, E. R. (1992) “Information System Success: The Quest for the Dependent Variable” , Information System Research, 3(1), 60-95.
3.Delone, W. H. & Mclean, E. R. (2003) “The Delone and Mclean of Information System Success: A Ten–Year Update” Journal of Management Information System, 19(4), 9-30
4.Pondy, L. R. (1967). Organizational Conflict: Concepts and Models. Administrative Science Quarterly, 13, 296-320.
5.Jae-Nam Lee & Young-Gul Kim (1999), " Effect of Partnership Quality on IS Outsourcing Success: Conceptual Framework and Empirical Validation" ， Journal of Management| Information Systems Vol. 15 ,Issue 4.
6.Williamson, O.E. (1975) Markets and Hierarchies: Analysis and Antitrust Implications. Free Press, New York.
7.Oliver Christine (1991). Network Relations and Loss of Organizational Autonomy. Human Relations, 44(9): 943-961.

網路資料
1.好市多卡為何人人愛？三度易主銀行背後的盤算
(https://www.wealth.com.tw/articles/1155c69a-aca0-4d48-ada8-c51fb315324b)
2.信用卡業務流程，檢自財金資訊股份有限公司
(https://www.fisc.com.tw/TC/Business?Caid=08b6275d-19f1-495c-8fd6-749e558e4383&tab=2 )
3.維基百科
(https://zh.wikipedia.org/zh-tw/%E8%A1%9D%E7%AA%81)
4.資訊系統成功模型，檢自
(https://bigdatamodel.blogspot.com/2019/09/delone-and-mclean-is-success-model.html)
5.政府資訊作業委外安全參考指引導引手冊，檢自
(https://icmp-ws.chiayi.gov.tw/001/Upload/447/relfile/13390/2762/caf8bc36-c0a4-4021-8009-79100837fca0.pdf)
6.政府資訊作業委外安全管理
(https://www.nics.nat.gov.tw/UploadFile/attachfilehandout/108%E5%B9%B4%E7%AC%AC1%E6%AC%A1%E6%94%BF%E5%BA%9C%E8%B3%87%E9%80%9A%E5%AE%89%E5%85%A8%E9%98%B2%E8%AD%B7%E5%B7%A1%E8%BF%B4%E7%A0%94%E8%A8%8E%E6%9C%83-%E8%AD%B0%E9%A1%8C%E5%9B%9B%EF%BC%9A%E6%94%BF%E5%BA%9C%E8%B3%87%E8%A8%8A%E4%BD%9C%E6%A5%AD%E5%A7%94%E5%A4%96%E5%AE%89%E5%85%A8%E7%AE%A1%E7%90%86v5.0_1080503.pdf)
7.信用卡發展史，檢自聯合信用卡處理中心
(https://www.nccc.com.tw/wps/wcm/connect/zh/home/KnowledgeSharing/PaymentCardKnowledge)
8.信用卡業務統計，檢自銀行局全球資訊網
(https://www.banking.gov.tw/ch/home.jsp?id=157&parentpath=0,4&mcustomize=bstatistics_view.jsp&serno=201105120008)