스마트폰에 의한 금융 산업의 혁신과 도전에 대한 전망
Opportunities and Challenges of Financial Service Industry with Smartphone Diffusion
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초록
최근 애플의 아이폰으로 촉발된 스마트폰의 급격한 확산은 새로운 IT 패러다임으로 산업에 큰 변화를 가져 올 것으로 예측되고 있다. 모든 새로운 기술의 태동기에 반복되는 현상이지만 새로운 기술에 대한 매우 낙관적인 전망이 범람하고 있지만 이러한 기술이 정말 근본적인 혁신을 가져올 가능성에 대한 분석과 새로운 도전에 대해서는 아직 심층적인 분석이 부족하다. 본 논문은 이러한 질문에 대해 탐색적 연구로 우선 정보 기술의 수용이 가장 빠르고 널리 이루어지고 있는 금융 산업을 중심으로 스마트폰의 급격한 수용의 원인과 새로운 비즈니스 혁신의 가능성 그리고 기업들이직면할 도전과제들에 대해 논의하고자 한다.
Abstract
The big success of Apple's iPhone triggers rapid diffusion of smartphones, and it is characterized as another IT paradigm shift that will revolutionize businesses. As repeated in every early stage of new technologies,optimistic predictions and outlooks of new technology dominates. However, studies are very scant on why such changes are warranted and what kinds of challenges and opportunities firms will face. This paper is an exploratory attempt to fill such void. We will study from financial service industry perspective since this industry is usually an early adaptor and heavily invests on IT.
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