기술발전과 새로운 금융기법 모델의 모색 -일본의 상황을 중심으로-

Abstract

Korea is an extremely late country in cashfree internationally, especially in the cash settlement rate of Instore payment. Japan is pushing for the cashfree in the 2014 and 2015 Japanese revival strategies ahead of the 2020 Olympics and the Tokyo Competition for the Disabled. Cache lease does not stay in the convenience improvement of individual users, but brings various external economic effects such as reduction of underground economy and utilization of big data. For this reason, foreign countries are considering various measures to promote cashfree in two fields: promotion of electronic payment and restriction of cash use. Nowadays, innovation in the payment sector leading to cache lease is rapidly progressing. In the field of in-store payment, there is a possibility of new marketing and new consumption experience without staying in the convenience improvement by electronic payment using smart phone and mobile POS. In Korea, there are also some movements that attract attention, such as the introduction of various subsidy systems for the introduction of mobile POS, the response of local shopping promotion using mobile payment system in local financial institutions, and smooth lending using cloud accounting data. The response to cache lease is also indispensable to solve the security problem of IC payment terminal, which is far behind the international level. It also leads to inbound response, localization, and productivity improvement in the service industry. It is desirable to put the utilization of technology in the rapidly developing settlement field into the scope of review, expand and strengthen the existing cashfree promotion policy, and become the core of growth strategy.