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금융 보안에서 휴먼팩터를 고려한 인간과 인공지능의 역할 및 협업 모델

The Role and Collaboration Model of Human and Artificial Intelligence Considering Human Factor in Financial Security

김인석|이보라
한국정보보호학회 (Korea Institute Of Information Security And Cryptology)|2018.12|정보보호학회논문지 (Journal of The Korea Institute of Information Security and Cryptology)|제28권 제6호|pp. 1563-1583|DOI https://doi.org/10.13089/JKIISC.2018.28.6.1563

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키워드

Artificial IntelligenceCollaborationSecurityHuman FactorFinance
주제분류컴퓨터학

초록

전자금융 규제 완화와 함께 핀테크가 활성화되었다. 인공지능에 대한 논의가 금융업에서도 활발하다. 하지만 신기술의 이면에는 보안 위협의 증가라는 문제가 있다. 과거보다 연결이 되고, 금융업의 채널과 주체가 다양해지면서 보안 취약점이 증가했다. 보안에 대한 기술적, 정책적 논의가 있지만 결국 모든 논의의 본질은 인간이다. 금융의 기본은 신뢰와 보안이고, 이를 위해 인간적 요소에 대한 관심은 중요하다. 본 연구는 금융 보안을 위한 인간과 인공지능의 역할을 각각 제시한다. 나아가 인간과 인공지능이 서로의 한계를 보완한 협업 모델을 도출한다. 이를 뒷받침하기위해 금융과 IT의 발전, 인공지능, 휴먼팩터, 그리고 금융 보안 위협에 대해 우선 논한다. 본 연구는 신기술의 시대에 보안 위협이 심화되지만 반대로 기계, 기술을 활용하여 이를 극복할 수 있다는 방향성을 제안한다.

Abstract

With the deregulation of electronic finance, FinTech has been revitalized. The discussion on artificial intelligence is activein the financial industry. However, there is a problem of increasing security threats behind new technologies. Securityvulnerabilities have increased because we are more connected than before, and the channels and entities of the financialindustry have diversified. Although there are technical and policy discussions on security, the essence of all discussions ishuman. Fundamentals of finance are trust and security, and attention to human factors is important. This study presents therole of human and artificial intelligence for financial security, respectively. Furthermore, this derives a collaborative model inwhich human and artificial intelligence complement each other's limitations. To support this, it first discusses thedevelopment of finance and IT, AI, human factors, and financial security threats. This study suggests that the security threatswill intensify in the era of new technology, but it can overcome them by using machinery and technology.

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