핀테크가 자본시장과 경제구조의 환경변화에 미치는 영향

The changes brought about by recent IT developments are not only happening in the financial sector. Advances in IT can drastically change lifestyles and purchasing behaviors, and consequently can have a major impact on the financial sector. The development of IT, such as the spread of smartphones and the development of artificial intelligence, has brought a major change to the society as a whole, and is greatly changing the competitive environment of financial business. Financial institutions have to overcome several challenges. In other words, the rise of fintech and the spread of cryptocurrency, loss of customer interface through increased access to financial services through smartphones, loss of profitability due to the decrease in the influence of payments to service providers, and financial business according to the progress of artificial intelligence. Financial institutions are required to respond strategically to challenges such as changes in the competitive environment. Many bank branches are already closed overseas. In countries where cashless society has progressed, similar currencies other than legal currencies become the center of payment methods, and in emerging countries where the original bank account retention rate is low, smartphones are the main means of access to financial services. In a society where all information is digitized and it is possible to analyze and utilize a large amount of data, the situation of analog specifications that differ from country to country is reduced, and the restriction on data processing capability is reduced, so the size of the customer base is the source of maximum competitiveness Businesses increasingly believe that a global and huge platform without boundaries will be the basis of financial business in the domestic market.