隨著企業數位化與金融科技快速發展，人力資源軟體即服務（Human Resource Software as a Service, HR SaaS）與銀行之間的異業合作，逐漸成為企業服務與金融創新的重要趨勢。HR SaaS平台深度嵌入企業人事、薪資與出勤流程，而銀行則具備金融產品、金流系統、品牌信任與法遵能力，雙方若能結合各自的能力來拓展新市場，提供更全面且有效的整合服務，以滿足客戶日益複雜的需求。然而，相關合作模式在台灣仍屬新興領域，學術與實務研究皆相對有限。
本研究旨在探討台灣HR SaaS服務供應商與銀行之異業合作商業模式，分析其價值主張、關鍵活動、關鍵資源、關鍵合作夥伴、顧客關係、通路、收益流與成本結構等要素，並進一步歸納合作過程中的關鍵成功因素與主要挑戰。研究方法採用質性研究取向，以商業模式九宮格（Business Model Canvas）作為分析架構，透過文獻分析建立理論模型，並結合深度訪談台灣具代表性的SaaS供應商與銀行異業合作個案調查的實務資料進行分析。
研究結果顯示，HR SaaS與銀行的合作已由單一專案型合作逐步發展為具平台特性的混合型合作模式，透過API技術整合實現薪資、金流與金融服務之嵌入式應用。其核心價值主張在於提升企業人力資源管理效率、降低作業與人力成本、強化銀行金融服務滲透率，並同時創造企業與員工的雙層顧客價值。關鍵活動以系統整合、資安與法遵、顧客導入與跨組織協作為主；關鍵資源則集中於資料、技術架構、資安能力與專業人力。收益流實務傾向以獲客與客戶黏著度為優先戰略目標，而非直接分潤。研究亦發現，主要挑戰則來自於金融法規的嚴格限制、跨產業溝通協調障礙，以及高昂的系統整合固定成本。
本研究屬於以實務應用為導向之產業型研究，研究成果全面揭示HR SaaS服務供應商與銀行異業合作的價值創造機制、運作模式、潛在挑戰與策略建議，為相關產業提供理論基礎與實務參考。

With the rapid advancement of corporate digitalization and financial technology (Fintech), cross-industry collaboration between Human Resource Software as a Service (HR SaaS) and banks has emerged as a significant trend in corporate services and financial innovation. HR SaaS platforms are deeply mbedded in enterprise personnel, payroll, and attendance processes, while banks possess robust financial products, payment systems, brand trust, and regulatory compliance capabilities. By integrating their respective strengths, both parties can expand into new markets and provide comprehensive, effective integrated services to meet increasingly complex customer demands. However, such collaboration models remain an emerging field in Taiwan, with relatively limited academic and practical research.
This study aims to explore the business models of cross-industry collaboration between HR SaaS providers and banks in Taiwan. It analyzes essential elements including value propositions, key activities, key resources, key partners, customer relationships, channels, revenue streams, and cost structures, while identifying key success factors and major challenges. Adopting a qualitative research approach, this study utilizes the Business Model Canvas (BMC) as its analytical framework. A theoretical model is developed through literature review, and the analysis is further informed by in-depth interviews and practical data from case studies of cross-industry collaborations between representative SaaS providers and banks in Taiwan.
The findings indicate that collaboration between HR SaaS and banks has evolved from single-project-based cooperation toward a hybrid model with platform characteristics. Through API integration, these partnerships realize embedded applications for payroll, cash flow, and financial services. The core value proposition lies in enhancing HR management efficiency, reducing operational and labor costs, and increasing the penetration rate of banking services, thereby creating dual-layer value for both enterprises and employees. Key activities focus on system integration, cybersecurity and compliance, customer onboarding, and cross-organizational coordination. Key resources are centered on data, technical architecture, cybersecurity capabilities, and professional expertise. In practice, revenue streams prioritize customer acquisition and stickiness as strategic goals rather than direct profit-sharing. Furthermore, the study identifies major challenges stemming from stringent financial regulations, cross-industry communication barriers, and high fixed costs associated with system integration.
As a practical application-oriented industrial study, the research results comprehensively reveal the value-creation mechanisms, operational models, potential challenges, and strategic recommendations for HR SaaS and banking collaborations. This work provides a theoretical foundation and practical reference for stakeholders in related industries.

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