인터넷 전문은행 도입에 관한 소고

Online banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a platform operated by the institution, such as a commercial bank. Internet banking is also referred as e-banking, virtual banking and by other terms. Such banking emerged in the 1990s with the advent of online banking technology. Recently, many banks are internet only banks(or Internet Primary Bank) in a developed country. Unlike their predecessors, these internet only banks do not maintain brick and mortar bank branches. Instead, they typically differentiate themselves by offering better interest rates and more extensive online banking features. The regulator is now working on lowering legal entry barriers, including stake ownership limits, which has banned non-financial firms from owning a more than 4 percent stake in a bank. The FSC has announced a plan to introduce the direct bank business as part of its efforts to deregulate the financial industry and foster the fast-growing Fin-Tech sector. Today Korea Financial authorities will start accepting preliminary applications for Internet-only banks, a new banking business platform. The authorities will look into five major qualifications, including innovation in business proposals, stability of shareholding structures and business models, contribution to the enhancement of financial customers’ convenience, contribution to the development and competitiveness of Korea’s financial industry and growth potentials for global expansion.