Smart product service system hierarchical model in banking industry under uncertainties

This study adopts the diffusion of innovation theory as to develop smart product service system model in banking industry due prior studies are lacking identifying attributes. The functions bearing high uncertainty and complexity; hence, hybrid method fuzzy Delphi decision-making trial evaluation laboratory construct a valid hierarchical identified causal interrelationships among with eight aspects 41 criteria proposed enriching existing literature that identify appropriate strategies achieve operational performance. results show seven 22 determined model. institutional compression, digital platform operation, e-knowledge management causing helps form performance uncertainty. For practices, decision-makers should innovative actions relied on forcible cyber-physical systems, industrial big data, cloud allocation sharing, transparency improvement they most importance playing decisive role successful SPSS. provides guidelines for practice Taiwan encouraging miscellany technology accomplishment sustainable target.