디지털 금융시대, 은행채널 트렌드 분석: 뱅킹형 채널 텍스트마이닝을 중심으로

This study analyzes the trends of evolving bank channels alongside the development of digital finance, focusing on banking-type channels within the channel positioning model using text mining techniques. A total of 22,310 news articles collected from 2013 to 2022 were analyzed, revealing the progression from internet banking to mobile banking, and subsequently to smartphone banking. Additionally, the study identified changes in financial services and products, along with the expansion of non-face-to-face financial products based on smartphones. Key marketing trends were also observed, such as preferential interest rates, fee waivers, and foreign exchange-related benefits provided upon product enrollment. Moreover, social issues such as phishing, hacking, and financial fraud related to digital financial transactions were identified, as well as the risks associated with the advancement of digital channels. The findings of this study provide foundational research for banking-type channel studies and offer valuable insights for the efficient operation and strategic planning of bank channels. In particular, by proposing the introduction of smartphone mirroring devices to enhance financial inclusion for senior customers and digitally disadvantaged groups, this study presents a new perspective on bank channel management. The introduction of smartphone mirroring devices in regions affected by branch closures, underserved areas, and elderly-populated regions would not only help fulfill the public and social responsibilities of banks but also establish a financial barrier-free environment, ensuring equal access to financial services for all consumers.