在當前金融領域，銀行業面臨著前所未有的轉型壓力，其中開放式程式介面（OPEN API）、雲端科技、人工智慧等新興科技的應用成為了銀行業保持競爭力的關鍵。本研究旨在探討在已確定的轉型框架下，可能的執行方案及其優缺點比較，並提出實務經驗。通過混合式分析法—內容分析法和文獻探討法，本研究揭示了升級銀行作業系統對於銀行存亡的關鍵性，強調升級成功與否直接決定銀行的未來命運。
本研究的發現對於正在或計劃進行數位轉型的銀行業同業高層主管具有重要的參考價值，不僅提供了轉型過程中的策略和執行方案，還通過實務經驗的分享，幫助其他銀行業者節省探索時間，提高轉型成功的機率。研究結果強調，面對數位轉型，銀行業者必須進行細緻的方案規劃和風險評估，以確保轉型過程的順利進行和長期的可持續發展。

關鍵字：開放式程式介面、雲端科技、人工智慧、新興科技、數位轉型

In the current financial landscape, the banking industry faces unprecedented transformational pressures, where the application of emerging technologies such as Open APIs, cloud computing, and artificial intelligence has become crucial to maintaining competitiveness. This study aims to explore the possible implementation plans and their advantages and disadvantages within a defined transformation framework, offering practical insights. Through a hybrid analytical approach—content analysis and literature review—this research highlights the criticality of upgrading banking operating systems for the survival and future of banks, emphasizing that the success of these upgrades directly determines the banks' fate.
The findings of this study are of significant reference value to senior executives in the banking industry who are undergoing or planning technological transformations. They not only provide strategies and execution plans during the transformation process but also share practical experiences to help other banking entities save exploration time and increase the likelihood of successful transformation. The results underscore that in the face of technological transformation, banking entities must undertake meticulous planning and risk assessment to ensure the smooth progression of the transformation and its long-term sustainability.

Keywords：Open API、Cloud Technology、Artificial Intelligence、Emerging Technologies、Digital Transformation

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