| [: Ʒ Ư ũ(valuewalk.com) 1 16 Դϴ.]
* ó: ٴϾ(Nikunj Gundaniya), ø̼ ַ ü Digipay.guru δƮ Ŵ, "6 Big FinTech Trends That will Shape the Banking Industry in 2020," 2020 1 16, https://www.valuewalk.com/2020/01/6-big-fintech-trends-that-will-shape-the-banking-industry-in-2020/
ó ٽ Ǿ. װ Ҹž̴, e-Ŀӽ̴, ̴, コɾ̴, Ȥ ̴, ̴ ʿ ٽ Ǿ. ̾߸ ֱ ū ϳ иϴ. ó Ʈ, ַ, ũַ ϰ ̷ ִ.* ó: ٴϾ(Nikunj Gundaniya), ø̼ ַ ü Digipay.guru δƮ Ŵ, "6 Big FinTech Trends That will Shape the Banking Industry in 2020," 2020 1 16, https://www.valuewalk.com/2020/01/6-big-fintech-trends-that-will-shape-the-banking-industry-in-2020/
2019 ױ ٲ ũ Ʈ带 ؿ. 2020 ٸ ̴. ۿ 츮 2020 ȭų 6 ũ Ʈ带 Ұ ̴. 6 ũ Ʈ .
1. ΰ(AI)
2019-- ϰ ȭ ʴ ؼҼӿ ұϰ--ΰ ø̼ǿ ؿ. 2020 ΰ ø̼ǿ иϴ.
ΰɱ ũ ϰ ãƳ ȿ ִ. ŷ װ ãƳ ֵ ִ. ư ΰɱ мν Ȳ ó ִ.
ΰ μ ݰ ο ־ (ӵ ȭϿ) óð ٿش. ΰɱ ſ븮ũ ﰢ 鿡 ǰ ֵ ش. , ΰ ǰ̳ ü ȿ ̰ (customer experience) ϴ ߿ ִ.
ΰɰ Բ ӽŷ(machine learning) ַ ũ м Ȱǰ ִ. ÷ ݺ ӽŷ Ű ִ.
2. νı ũ(Voice Technology & Digital Fintech)
þ ̰ ִ. ھ(Comscore) , 2020 ü ¶ ˻ 50% ȴ. ü ˻ 20% ˻ ִ١ ִ.
̷ ϱ ؼ νı Ȱؾ ϸ ܰ ƴ ô밡 Ǿ ִ ̴.
˻ ݰ Ȥ ڱü ְ ش. Ӹ ƴ϶, ˻ ̰ Ư ȣȭ ϰ, ڿó(NLP) ̽ ýƮ(voice assistant: ȳ ⳪ ) Ŀ´̼ǵ ϰ ش.
νı ȭ ٽ Ѵ. () ȣ ֵDZ ̴. (voiceprint technology) Ȯϰ Ѵٴ Ģ ȴ.
Ƽ 2016 ̹ ϰ ִ. PwC , ˻ 鿡 ȿ̴. PwC ˻ ϸ 30 ִٰ .
̷ ũַ ִ ַ ϱ νı ϰ ̴.
3. ü(Blockchain)
2 üο , Ʈ, ־. ۷ι ñ (Accenture) , 90% ̻ ü ϱ⺸ٴ װ Ȱ ϴ ܰ迡 ӹ ִ.
ü ڰ ڽ ŷ ϰ ܼϰ ִ Ʈ ȣȭθ ַ ˷ ִ. ü ̰ ϴµ ߿ ִ. ü ȯŷ ִ.
4. ̹(Cyber Security)
츮 ̹ ˿ нô븦 ִ. ó ̹ ſ ߿. ̰ ΰ ٷ ̹ ڵ ݴ Ǵ ̴.
̹ 100% Ƴ Ұ, ظ ּ ִ ϰ ȿ ȹ ־ Ѵ.
ּ İ ν ̹ ֵ ؾ Ѵ. ̹ ˸ ġ鿡 ؾ Ѵ.
- ̹ ǽ
- ڽ ϰ ų Ұ å ؽŰ
- ο ̹ ֿ켱 óϴ
5. κƽ μ ڵȭ(Robotic Process Automation: RPA)
κƽ μ ڵȭ(RPA) ê(Chatbot) Ȱ , ܾ 켱 ǻ ó ִ. ̴ ð ָ, 켱 óϴ ִ.
ó RPA 꼺 ٻӸ ƴ϶ 뵵 ٿش. RPA Ǹ, ڵ ̵ ڽ ſī ø̼ μ ż ִ.
κƽ ʱ ܰ и, Ÿ κƽ ִ õ ؾ ϸ, RPA ̿ dz ֵ غϰ ־ Ѵ.
6. (Big Data)
û Ͱ ȴ. û ڽ ϴ ִ () зϰ سⰡ ƴ.
ͱ ϸ ſ/ī ŷ, ڱü, ATM ݳ س ִ. ̷ ̷ ϴ ٽ ϴ 顯 ִ.
ʹ ȿ ľϴ ش. ʹ , м ǽð ش.
ư ʹ Ž, , Ʈ м, ǰ Ǹ ش. ߿ , Ͱ μ ü ϰ ľϴµ شٴ ̴. <>
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