핀테크 비즈니스 모델의 지속성에 관한 탐색적 연구 : 미국의 Charles Schwab 사례

Recently, fever on fintech business are incrementally rising in academics and corporate field. Nevertheless, extant study on internet-only bank focuses o n to elaborate key success factors in relation to payment and settlement a mong fintech business domains. How ever, there is no research on the sust ainability of fintech business model. This study tried to conduct in-depth case study of business model in Char les Schwab as online brokerage and internet-only bank in the U.S. Accordi ng to the business model, strategic im plications were drawn from case anal ysis as follows. First, stable governan ce is indispensible to create synergy effect via interconnectedness between parent firm and its subsidiary. Second, it is necessary to build relative and un ique market positioning as a result of achieving cost leadership and differe ntiation simultaneously. Third, inform ation communication technology is us ed as a strategic asset to build compe titive advantage. Fourth, business mo del components should be well organi zed to align business model with com petitive strategy. Last but not least, th is study recognized that potential syn ergy is realized by carrying on the plan of marketing mix.