隨著金融科技的崛起，越來越多的銀行業者加入數位金融的競爭，徹底改變了銀行與客戶的互動關係，亦開啟銀行新思維，強調銀行的核心價值在於服務，而有了本篇探討人際交往能力在工作環境中的影響力。研究一採用Wixom and Todd (2005)的綜合研究模型，讓受測者在網上模擬操作智能櫃員機申辦金融卡，測試接觸不同人際交往品質的大廳經理，是否會影響對智能櫃員機的使用者滿意度和科技接受度。研究二將延伸探討人際交往品質此變數，透過操弄來激發受測者當下謙虛的狀態，討論虛心向學對人際交往能力的影響。
從研究一得知受測者會因為一線員工人際交往品質優良而提升其對智能櫃員機資訊品質及系統品質的感知和使用者滿意度，會直接影響使用者感知的有用性與易用性，進而影響使用者的使用態度和意圖。從研究二得知謙虛與向他人學習存在正向顯著關係，向他人學習會正向影響人際交往能力。
本研究建議銀行業者投入智慧銀行應採取更積極的因應措施，一方面重視軟硬體設備的規劃與設計，提升客戶知覺智慧設備的易用性與有用性，以有效增加客戶的正向態度與使用意願，另一方面，應由一線員工身上著手，藉由培養謙虛的人格特質來持續向他人學習，不但有助於提高人際交往能力，還能提供客戶更佳的服務體驗。

With the rise of Fintech, more and more bankers join the competition of digital finance. This completely changes the interaction between banks and customers, and also opened up new thinking of banks, emphasizing that the core value of banks is service, and this article explores the influence of interpersonal skills in the work environment. In study 1, the integrated research model of Wixom and Todd (2005) was adopted. The subjects were simulated to operate the ATMs to apply for a financial card on the Internet, and to test whether the user satisfaction and technology acceptance of the ATMs would be affected if they came into contact with different interpersonal qualities of lobby managers. In study 2, the variable of interpersonal quality will be further explored, and the influence of humility on interpersonal skills will be discussed by stimulating the current humility of the subjects.
The study 1 shows that the interpersonal quality of frontline employees positively affects the perception of the subjects on information quality and system quality, and then affect user satisfaction. Also, they will directly affect the user's perceived usefulness and ease of use, and then affect the user's attitude and intention. According to the study 2, humility has a positive and significant relationship with learning from others. Learning from others will positively affect interpersonal skills and exert a complete mediating effect.
The study suggests that bankers should take more active measures to invest in smart bank. On the one hand, it should pay attention to the planning and design of hardware and software equipment, and enhance the customer's perceived ease of use and usefulness, in order to effectively increase positive attitude and intention. On the other hand, it should start with frontline employees, and continue to learn from others by cultivating modest personality traits, which not only helps to improve interpersonal skills, but also provides a better service experience for customers.

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