4차 산업혁명 기술 활용이 고용에 미치는 영향 분석: 금융보험업을 중심으로

Purpose – This study analyzes the effect of industry 4.0 technologies on the employment of entire industries, including the finance and insurance industries, which have most actively attempted to introduce industry 4.0 technologies for ‘Fintech’ business when compared to other industries. Design/Methodology/Approach – Using the Business Activity Survey of the National Statistical Office from 2017 to 2020, this research analyzes the entire industry as well as the finance and insurance industries, wherein the use of industry 4.0 technologies (big data, mobile, cloud, AI) has been prevalent in South Korea. Findings – In the pooled least squares method and the random effect model, the result has shown that the use of industry 4.0 technologies increases the employment of entire industries, and also increases the employment of the finance and insurance industries. During the same period, in the finance and insurance industries, the overall employment decreased, while employment related to industry 4.0 technologies increased. Research Implications – This study analyzed the effect of industry 4.0 technologies on employment within overall industries and the finance and insurance industries. This analysis has shown that the use of industry 4.0 technologies in the overall industry and in the financial and insurance industries increases employment. Thus, this result indicates that industry 4.0 technologies may not be a substitute for labor until now.