최근 일본의 핀테크 상황과 활용사례 연구

While the entire society is being digitized by the Internet and smartphones, it is inevitable that finance, the blood of the economy, must also be digitized. Although the introduction of ICT has been progressing considerably in financial institutions up to now, it has mainly been centered on cooperation within financial institutions or between financial institutions. Fintech attracts entities other than banks, such as general consumers and stores. Although the conventional scheme was that large ICT vendors make the IT systems of financial institutions, in Fintech, start-ups provide specialized services themselves. In response to this trend, as there is a growing consensus that existing financial institutions must change, the movement to work with startups is growing stronger. In other words, with the birth of the word Fintech, the financial business is no longer a closed market for limited people, but is changing into a fiercely competitive market in which ventures and telecommunication companies using technology emerge as the protagonists. Existing financial institutions cannot survive without digital use. Fintech started as a financial service close to consumers, such as small payments and remittances, and began to encroach on areas called the source of revenue for financial institutions, such as asset management and financing. In this paper, various use cases of domestic fintech use are dealt with while preparing for overseas situations, and the background of many companies including business companies responding to Fintech is considered. As a result, the company’s business strategy was to collect data, identify customer trends, and use it to suggest services that meet customer preferences. While a number of member companies are leveraging Fintech to solidify their promises to customers, financial institutions are struggling to survive by radically reinventing customer touchpoints and user interfaces, and seriously confronting customers with new technologies and business models. The information in this paper will contribute as a comparative measure to check the future direction and current situation of the Korean Fintech industry.