Over the last decade, the impacts of digital technologies on business have changed significantly and rendered many business models obsolete. Accordingly, digital transformation, which refers to the integration of digital technologies into business processes, has become more and more imperative for contemporary organizations to utilize to survive and attain competitive advantage in a digital economy (Bharadwaj, 2000). The banking industry have faced globalization and capital liberalization trends during the last decade, which force them to enhance their transactions efficiency, and intend to afford global service to their customers. Information technology (IT) has emerged as the critical driving factor to achieve above goals, and the financial business through on-line transactions has getting the predominate position. Therefore, to invest various IT project in E-Banking field has increased sharply, occupy considerable annual budget and emerge as a significant index to a bank’s competitiveness.

During 2002 to 2003, an e-Cash project, which the major goal was intended to connect between PC manufactures and banks, was started and supported by the Taiwan government. However, most participating banks were failure, except our study case, CBC Bank (a pseudonym) with successful performance. This interesting phenomenon arose our research motivation through strategic fit perspective. Hence, this paper is using the case study method to explore the process how a bank adjusts its internal structure and process and fit to external changes in E-Banking projects through strategic fit perspective. Besides, digital transformation begins with the evaluation of resources so as to generate a firm’s competitive advantage and the identification of sources of synergy or fit. Apparently, resource fit provides a broadened view and takes both resource-based theory and strategic fit view into account and extends our understanding of digital transformation. And, there has been little research to exploit the concept of resource fit in digital transformation.

There are two primary contributions of this study. First, it explores the development process of an e-banking implementation through strategic fit perspective. Furthermore, the resource fit framework is a pioneering concept that can offer a complete explanation of digital transformation as well as explaining the key factors that make up a proposed analytical framework that is useful for business managers.

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