數位轉型推動至今已逾十年，雖然大量基礎金融交易已移轉至數位通路，但實體分行在風險控管、專業諮詢及顧客關係建立等方面仍具有不可取代之價值。本研究以銀行實體分行智慧轉型為研究核心，透過文獻回顧、國際案例分析及台灣銀行實務觀察，探討數位金融環境下實體分行之功能轉變與經營模式演變，並建構「智慧轉型價值傳導模型」、「實體分行經營模式分類模型」及「分行智慧化業務導入決策流程」三項核心模型作為分析架構。研究結果顯示，智慧轉型之成效並非取決於科技導入本身，而在於銀行能否依據分行定位、客群需求及經營目標，選擇適切之經營模式，並透過流程優化與服務創新，將科技能力轉化為實際經營成果。本研究進一步提出銀行智慧轉型整合執行框架，強調分行應由標準化管理逐步轉向差異化經營，以強化實體分行於數位金融環境下之競爭優勢與價值創造能力。

Digital transformation has reshaped the banking industry for more than a decade. Although routine transactions have largely migrated to digital channels, physical bank branches continue to play an important role in risk management, financial consultation, and customer relationship management. This study examines the smart transformation of physical bank branches through a literature review, international case analyses, and observations of banking practices in Taiwan. Three analytical models are developed: the Smart Transformation Value Transmission Model, the Physical Branch Business Model Classification Model, and the Intelligent Business Adoption Decision Process for Branches. The findings suggest that the success of smart transformation depends not merely on technology adoption, but on aligning branch positioning, customer needs, and business objectives with appropriate business models. Based on these findings, this study proposes an integrated implementation framework that supports a shift from standardized branch management to differentiated business models. The framework provides practical guidance for banks seeking to strengthen the strategic role and value of physical branches in the digital finance era.

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