인공지능과 암호화폐의 보급이 은행에 미치는 영향 -미국과 일본의 경험을 중심으로-

Abstract

The spread of smart phones that change people’s lifestyle and business base, the Internet of Things (IoT) that creates valuable information for business, and artificial intelligence that not only creates information, but also changes the cost structure of companies and advanced information processing. The development of Artificial Intelligence (AI) is bringing a structural shift to financial institutions. In this paper, I will consider the driving force that is leading to such a large structural transformation and how they affect financial institutions. In addition, it is stated in advance that it is my opinion about the part about the opinion in the text. The financial industry has been working hard to systematize quickly, but the system is also trying to change its shape greatly, as the fundamental strengthening of management is being claimed. Global companies use the key words required for systemization (1) new business processes aimed at strengthening the fundamentals of management, (2) convenience of customers or agents, (3) business processes that satisfy employee satisfaction, (4) workers’ compensation and it is identified as four points, such as strengthening risk management. Here, the representative solutions of companies that realize the keyword and the characteristic technologies used therein will be explained. Financial institutions need to overcome many challenges in the future. In other words, the transfer of initiatives related to product selection due to the decrease in information asymmetry between companies and consumers caused by the development of IT, the transfer of fintech soybeans or cryptocurrency, and access to financial services through smartphones Financial institutions are required to respond strategically to the challenges of losing profitability due to loss of customer interface, increasing profitability due to a decrease in the influence of payment on products, and changes in financial business competition through the development of artificial intelligence. The most important task in developing a financial business in a financial institution will be how to build and maintain an interface with customers. This is because having a contact point with a customer is the first step to purchase a financial product or service, and it is directly related to whether it is possible to collect information necessary to grasp the most important customer needs when actually developing a product or service. However, there is a risk that the customer’s chances of selecting their financial products or services may be reduced by simply surrounding the information. Importantly, in order to develop products and services that satisfy the most customer needs from the customer’s point of view, it is also necessary to promote open innovation, including partnerships with other companies, to supplement the development capabilities of insufficient information or products and services. It is thought that the contents of financial products or financial services provided by such financial institutions to customers are also significantly changing compared to the past. Financial institutions are based on the changes that IT development brings to society as well as the direct impact of Fintech’s rise to provide innovative financial products or financial services utilizing IT development. It is required to boldly respond to changes in required roles or skills with a core competency (competitiveness) of products and services that are discriminated and polished.