金融科技的崛起改變了傳統銀行的經營模式，從早期數位銀行的出現到現今金融科技的蓬勃發展，銀行業者已將其應用在各個面向的服務中，且銀行服務業務已經融入人們的生活當中，舉凡食、衣、住、行、育、樂，都有金融服務的蹤影。因此，本研究首先透過文獻探討歸納出金融科技服務重要性的內涵及相關的因子，並以Q方法進行分析探討，以各年齡層有使用過銀行服務之人員為研究對象，本研究發展20題題項，有效樣本共23位，根據研究結果歸納出四項顧客對金融科技服務四種認知的類型，包括信賴安全型、資訊流通型、顧客體驗型、互動回饋型，希望藉由此研究結果提供金控公司及相關企業在發展金融科技服務時，給予消費者金融業務實務與理論的建議。

The appearance of FinTech has contributed banks to change their operation type. As digital banks have been published, FinTech has already developed well nowadays, bankers have applied them to various services. The bank's service business has been integrated into people's lives. Everywhere there is food, clothing, housing, transportation, education, and entertainment, there are signs of financial services. Therefore, this study first explored the connotation and related factors of the importance of financial technology services through the literature, and analyzed and discussed them with the Q method. People of all ages have used the banking services as the research object, and this research has developed 20 questions. A total of valid copies is 23. The result is divided into four types including entrustable security types, information flow types, customer experience types, and interactive feedback types. The conclusion provides financial holding companies and financial- related company in develop the financial technology services on the consumer finance business practice and theory recommendations.