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??? ????(??)- 2015? 4? 20??
?? ??? ?? Editor¡¯s Note 3 ?.?.?.?. 6 ?? ?? ??? 7 ?? ???: ?? 9 ?? ???: ?? 12 ?? 17~28 ??? Index Issue. 4 2015.04.20 Editor¡¯s Note ???? ?? ???? ? ¡­ ??? ??? ?? ??? LG????-?????-KB??, ???? ??? ????? ?? ??? ???? ????? ?? ??, ??????? ????? ??? ?? ???? ??? ??? ??? ??? ?? ???: ?? ??? ???? ??, '?????' ?? ? ??? KB???HUB??? ¡°??? ?? ?? ?? ??¡± ???, ????? ?? ??? ??????? ?? ??? LG???? ?? ???? 1? ¡®???' ??? ???? ?????? ??? ?? ?? ???: ??? The death of cash Fintech start-ups become hot property The war for technology talent: banks and Fintechs go head-to-head UnionPay to focus on global, mobile services for Chinese tourists Mobile payment methods are game changer for Africa Mobile payments could make shoppers spend more
???? ?? ???? ? ¡­ ??? ??? ??? ???? ???????, ??? ???? ?? ??? 2007?? ????? ????? ?? ????? ? ??????. ??? ???? ??? ??? ??? ?? ???? ?? ??? ??? ?????, ? ???? ??? ??? ?? ???? ???? ???? ??? ?? ???. ?? ??? ???? ???? ?(??? ??????? ?? ?? ???)? ???? ??, ???? ?? ???? ? ??, ? ????? SK???? ?????? ???? ??? ?? ??? ???? ??. ??? ??????? ??? ¡®? ??(Top-down)¡¯ ??? ??? ??? ?? ?? ??? ??. ?? ????? ? ??? ??, ???? ??? ???? ??? ??? ¡®??? ??¡¯? ??? ?? ??. ?? ?????? ??? ? ??? ?? ????(?? ??? ???? ???? ?? ????), ?????? ???? ????, ????? ? ? ??? ???? ??. ?? ?? ??? ????? ??, ???? ¡®???¡¯?. ?? ?? ???? ??? ???? ??, ??? ?? ??? ?? ??? ?? ?? ¡®???¡¯ ???? ???? ??. ??? ??? ???? ???? ?? ??? ???? ????? ? ?, ?? ? ¡®?? ???¡¯? ??? ? ? ??. ??????? ???? ??? ??? ??? ??? ¡®?? ? ?¡¯? ???? ?????? ???? ??? ???. ??? ¡®??? ???¡¯? ??? ??? ?????? ??? ????? ??? ???? ??. ??? ?? ????. ??? ????, ?2, ?3 ???? ??? ??? ???? ??? ??. P2P ??? ??? ???? ???? ??? ??? ??? ???? ??? ????. ??? ?? ???? ?? ????? ? ??? ? ???? ????. P2P ?? ??? ?????? ?? ???? ??? ?? ?? ?? ? ??? ??? ???? ? ???, ??? ??? ??? ??? ???. ??? ?? ??? ?????? ?? ????? ?? ???, ?? ?? 1?? ??? ? ?? ??? ??? ?? ???, ?? ???? ??? ? ??? ???? ???? ??? ?? ??? ???? ??. ??? Founding Editor-in-Chief Editor¡¯s Note
?? ??? ?? ??? ???? ???? ??? ?? ?? ?? ? ??? ????. ? ??? ?? ??? ????. ??? ?? ??? ???? ?? ?? ??? ? ?? ?? ?? ????, ????? ???? ?? ?? ???? ????? ??? ???? ??? ??? ???? P2P ????? ??? ? ?? ??? ???? ????, ??? ?? ? ?? ? ??. ?? ????? ???? ?? ???? ? ? ?? ??? ??? ? ??. ?? ?? ???? ? ??? ??? ? ???. ??? ??? ??? ???? ??? ??- ?? ?? ?? ???? ? ?? ??? ??? ??????, ??? ?? ?- ? ??, ?????? ???? ?? ???? ?? ?? ??? ??? ?? ???? ?? ? ? ? ??? ? ?? ???? ?? ????? ?? ? ???? ?? ??? ? ?? ??? ????. ?? ????? ?? ??? ? ???? ?? ? ??? ??? ???? ????? ??. ? ???? ??? ???? ????? ??? ? ??? ???? ??? ??? ??? ???? CB????(CB Insights)? ????? ???? ?? ???? ?????? ?? ???? ??? ? ??? ????. (?? ??? ??) ?? ?? ? ?? ??. ??: CB Insights, 2015.04
???? ??? ??? ??? ?? ??? ?? ??? ???? ??? ????. ??? ????? ?? API ? ???? ?? ?? ???. ??? ??? ??? ??, ???? ? ??? ???? ??? ?? ???. ? ?? ??? ???? ??? ? ???? ?? ???. ???? ?? ??? ??? ??? ??? ? ?? ?? ? ???? ??? ?? ?? ?? ????. ???? ????? ??? ?? ?? ? ? ? ?? ???? ???? ???. ?? ? ?? ??? IT ???? ? ??? ????? ??? ?? ??? ? ?? ?? ???, ?? ?? ???? ? ???. ??? ??? ??? ??, ???? ?? 3.0? ?? ?? ?? ?? ?? ?? ??? ??? ??. ¡°???? ??? ?? ??(Banking)??, ??(Bank)? ???.¡± ??? ?????? ??? '??? ??'? ???? ??. ??? ??? ???? ???. (?? ??? ??) ?? ??? ???? ? ???? ??, ???? ??? ?? ? ??, ????? ??. ?? ?? ??? ???? ????? ??, ? ?? ?? ?? ????? ??? ? ? ???? ????? ??. ???? ????? ???? ?? ? ?(IPO) ??? ???? ???? ? ? ?? ??, ??? ?? ??? ?? ??? ???? ???? ???? ? ? ??. ??: medium, 2015.01
? ¡®??? ??¡¯ ??? ??? ??? ?? ??? ????? ???? ???? ?? ??? ?? ? ??. .. ?? ???? ??? ?? ?? ?? ??? ??? ??? ?? ? ??? ??? ??. ??? ???. ?? ??? ??? ??? ? ? ?? ?? ? ??? ???? ????? ??? ??. ??? ????? ?? ??? ???? ???? ??. ??? ??? ?? ?????? 4? 13? ???? ? ? ?? ??? ??? ???? ?? ??? ?? ????? ??? IT? ??? ???? ? ??? ?? ???. ??? IT??, ??? ????, ????? ???? ? ???? ?? ?? ???? ???? ???? ???? ??? ???? ???? ?? ?? ?? ??? ????? ??? ??? ???? ?? ????? 2015? 4? ??? '2014?? ???????' ??? ??? ?? ??? ??? ¡°?? ???? (???? ??, ???? ?) ??? ??? ?? 50%?? ?? ??. ??? IT? ??? ????. ???? ?? ? ?? ??? ?¡± ??? KAIST ?? 4? 14? ??????? ??? ??? ???? ?? ?? ??? ??? ?? ??? ??? ? ??? ??? ???. ?? ??? ???. ??? ? ? ?? ??? ???? ?? ??. ?? ?? ?? ???? ???. ????? ???. ?? ??? ?? ??? ????. ?? ???? ?? ????? ? ?? ?? ?? ???? ????? ???? ??. 15? ?? ? ??? ???? ?? ?
LG????-?????-KB??, ???? LG????? ????? ? KB????? ??, ???? ????? ??? ?? ?? ? ?? ???? ???? ? 16? ???. ?? ???? LG????, ????? ?????, KB???? ?? ?? 7??? LG???? ? KB???? ?? ? ???? ????? ???? ??? ?????? ????. ?? ??? ??? ????? ??? ?? ?? ? ?? ?? ???? ???? ??? ??? ??? ?? ??? ??? ???? ?? ??? ????? ?? ?????? ??? ?? ??? ?? ???? ?? ??? ¡®??? ?????¡¯? ????? 14? ???. ????? ???? ?????, ?????, ????? ? ?? ? ????? ??? ??? ? ?? ??, ??? ?? ????, ????? ? ????, ??????? ? ??? ??, ????????? ?? ????? ?? ?? ???. ??? ???? ????? ?? ?? ???? ??? ??? ??? ????? ??? ? ??? ??? '??? ???? ?????'? ????.. ?????? ?????? '?? ? IT ?? ?? ??'? ??? ?? ??? ????? ?? ?? ???? ?? ? ? ? ?? ??? ???? ???, ???? ????? ??? ?? ???? ? ?? ???? ?? '??? ?? ?? ?????'? ????? 17? ???. ??, ??????? ????? ??? ?? ??? ???????? ???? ??? ?????? ????? 14? ???. ?? ??????? ???? ??? ?? ??? ??? ??? ???? ?? ???? ???? ??????? ? ???? ???? ??? ??? ? ?? ??? ???? ???. ?? ??? ???? ?? ????. ?? ??? ?????. ??? korea@fintechkorea? ??????. News Brie?ng
?? ??? ?? ?? ?? ?? ???? ????? ????? ???? ??? ?? ?? ???? ?? ???? ?? ?? ????? ????? ??????? ?????-???? ????? 8???-P2P ?? ??? ???? # ? ??? ??? ?? ??? ????? ?? http://?ntechkorea.com/directory ?? ??: ??? ???? ??? ??? ??? ??? ???? ??? ¡®2015 ??? ??? ???'?? ????? ????? ? ?? ??? ?? ???? ?? ??? ????. ???? 15? ?? ?? ??? ????? ??????? ?? ??? ? ? 200?? ??? ??? ??? ???? ??, ?? ?? ??? ? ?, ??? ??? ???? ????? ???. ?? ???? ??? ?? ????? ? ?? ?? ?? ???? ??? ??, ?? ????? ??? ???? ??? ??? ¡®?????¡¯? ?? ?? ????. ?? ????? ???? ???? ??? ??? ¡®?????¡¯? ??? ???, P2P(Peer to Peer) ??? ??? ¡®?????¡¯? ???? ?? ??. ?? ?? ?? 8? ??? ???? ?? ????? FX?? ?????? ??? ¡®FX ???¡¯? ???, ??? ???? ??? ??? ?? ??? ? ?? ??? ? ??. News Brie?ng
??? ???? ??, '??? ??' ?? ? ??: ?????, 4? 15? ?? ???? ???(??+??)? ?? '?? ???' ??? ??? ??? ??. 15? ???? ??? NH????? ?? ????, ????? ? ??? ??? ?? ???? ???? ??. ????? ??? ????? ???? ?? ???? ?? ???. ?? ???? ??? ??, ??? ? ? ??? ???? ???? API(Application Programing Interface)? IT??? ???? ???. ???? ??? ??? ?? ??? ???? ?? ???? ???? API? ??? ????. http://bit.ly/1G5EX6n ??? KB???HUB??? ¡°??? ?? ?? ?? ??¡± ??: ????, 4? 15? ¡°?? ??? ??? ???? ?? ??? ?? ???? ???? ?? ?? ??? ???? ? ?? ?? ??? ?? ?? ??¡±? ¡°KB? ??? ??? ?? ??? ???? ????? ?? ? ? ??? ??? ???? ???? ? HUB??? ?? ??¡±??? ???. ¡°??? ????, P2P ??, ????, ???? ??? ?? ??? ?? ?? ??? ?? ?? ??¡±??? ¡°?? ?? ?? ???? ?? ??? ????? ??? ???? ???? ??? ?? ?? ???? ?? ??? ???¡±? ????. ???, ????? ?? ?? ? ??: ????, 4? 17? ?? ????(Wells Fargo)??? IT ??? ??? ??? ?? ?? ???? ???, ?? ????? ? ??? ?? 2013??? ¡®??? ?¡¯? ???? ??. ???? ??? ????? ??? ???? ??? ????? ????. ??????? ¡®??? ????? ?¡¯? ??? ??? ???? ??? ?? ?? 50 ? ??? ????. ? ?? ¡®??? ??¡¯ ¡®?? ??? ????¡¯ ? ??? ???? ?? ?? ??? ??? ?? ???? ? ?? ??. http://bit.ly/1HDDfIv News Clipping
??????? ?? ??? ??: ?????, 4? 17? ??? ??????? ??? ???? ??? ¡®??(ãy®b)??¡¯ ??? ??? ? ???? ??? ??? ? ?. ??? ??? ?? ??? ??? ¡®??? ??¡¯?? ???? ???????? ??? ??? ICT ? ? ???? ??? ???? ?? ????. ??? ¡®????¡¯? ??? ?? ????? ???? ???? ? ?? ¡®??? ??¡¯?? ??? ?? ???? ?? ????? ??? ??? ?? ????. http://bit.ly/1IV09gj ?????,¡°???????, ?? ???? ??¡± ??: ??????, 4? 17? ?????? ??????? ? ICT?? ??? ???? ??? ?? ?? ??? ?? ????? ?? ? ???. ????? ???? ¡°ICT?? ??? ???? ???? ???? ?? ??? ??? ??? ?? ?? ? ?? ?? TF? ??? ?? ?? ??? ???? ?? ??? ???? ??¡±? ???. LG???? ?? ???? 1 ? ¡®???' ??: ??????, 4? 17? ?? 2010? LG?? ??3?(???, ???, ???)? ??? ??? LG????? ¡®????¡¯? ??? ¡®????¡¯? ?????? ????. ? ???? ¡°????? ¡®LTE? LG????¡¯?? ??? ???? ? ? ? ?????? ???? ???? ??? ??? ????? ????? ?????¡±?? ¡°????? ? ? ¡®? ??? ?????(New life Creator)¡¯? ???? ??¡±? ???. ??? ????. ???? ??? ¡®? ??? ?????¡¯? ??? ? ???. ??? ????? ??? ?? ?? ??. ?? ?? ??? ??? ? ? '???¡®? ?? ??? ???. ??3? ? ??? ???? ?? ??? ??? ??? ??. http://bit.ly/1aFDBkv IT ??? ??? `???` ? ?? ?? ??: ??????, 4? 16? ?????? ????, ????? ?? ???? IT??????? ?????? ???? ??. ????? ? ?? 27??? ???? ???? ??? ???? ????? ???. ? ??? ???????? ?? ? ????? ???? ????. http://bit.ly/1EdchYP News Clipping
??? ??? ??, ???? ?? ?? ?? ??: ?????, 4? 17? ?? ?? IT??? ???? ?????? ???? ?? ?? ?? ??? ??? ??? ??. 16?(????) ???????? ? ?? ??? ??? ?? ???? ?? ???(MPS) ?? ????? ???? ????? ????. ?? ???? ??? ???? ?? ?? ?? ?? ?? ??? ??? ???? ????? ???? ? ? ??? ??? ?? ?? ???? ??? ? ??? ?? ???? ??? ???. ???? ??? O2O ?? ? ? ??? 5000? ?? ??: ??????, 4? 17? ????? ??? O2O??? ?? ??? 5000?? ??? ????? ??. 17? ??? ? ????? ?? ???? ?? O2O???? ??????? ??? 2?? ??? ? 5000?? ????? ???. ?? ?? ???? ??????? O2O??? ????? ? ??? ??? ?? ??? ????. "ÖÐ ??? ?? ????? ? ?? ?? 100???¡± ??: ????, 4? 17? ??? ??? ?? ?(P2P) ?? ?????? ???(Lufax)? ????? ? 100???(10?8???)? ???? ???????(WSJ)? 16?(????) ???? ??? ????. WSJ? ?? ?? ?? ?? ?? ?? ???? ??? 100???? ????? ????. ???? ??? ? ????????(PEF), CDH?????? ?? ????? ???? ???. http://bit.ly/1Q0MO83 ??? ???? ?????? ??? ?? ??: e??? 4? 17? ???? ??? ???? ???? ?? ?? ?????? ??? ???? ??. ?? ??????(ICT)? ???? ???? ??? ??? ????? ????? ???? ???? ??. ??? ?? ? ??? ? ???? ??? ?? ?? ???? ???? ??? ??? ??? ???? ??. News Clipping
The death of cash ??: Citym, 4? 13? Cash makes up just ?18.33 of every ?100 spent in the UK, Halifax said today, as card and digital payments take over.The rise of digital payments is starkly outlined in new ?gures from the bank, which show how quickly Britons have adopted cutting-edge technologies. Cheques account for just 1.2 per cent of all current account transactions, and cash withdrawals make up only 16.6 per cent of account activity. By contrast debit card purchases make up 56.7 per cent of current account transactions, with direct debits accounting for another 19.4 per cent. http://bit.ly/1GDb79p Fintech: Many African Startups, Few Successful Exports ??: L'Atelier, 4? 16? The number of digitally-based ?nancial services companies worldwide has grown substantially in the last two years, but their stage of development varies widely from country to country. Among the emerging countries, the Africans stand out. You will not often hear the name ¡®Africa¡¯ on the lips of banking innovation experts, but for all that the continent is not really lagging behind. In fact the number of new ?nancial sector companies there is steadily increasing. http://bit.ly/1DbdR6D Fintech start-ups become hot property ??: Daily Telegraph, 4? 16? Hundreds of millions of dollars in funding await local ?nancial technology start-ups as the largest banks, insurers and wealth management institutions jostle for pole position, in fear of missing out on the ¡°next big thing¡±, experts say. ¡°When companies look at tipping funds into ?ntech start-ups, talks of $50 million-plus are common as opposed to $1m-$2m,¡± said AWI Ventures accelerator manager Simran Gambhir. http://bit.ly/1OMN217 News Clipping: Global
The war for technology talent: banks and Fintechs go head-to- head ??: banking technology, 4? 16? New research shows ?rms in London¡¯s ?nancial district created more than 3,030 new jobs in March 2015, 25% more than the same time last year, as banks continue to look to enhance their technological capabilities and strengthen their deals teams amid strong M&A activity. One of the main reasons for this upturn in hires is the decision by investment banks to increase investment in technology staff, in order to strengthen their own tech divisions and to replace the staff that have moved on in favour of London¡¯s growing ?nancial technology sector, writes Anthony Sherick http://bit.ly/1yuHhkE UK and Ireland becoming a force in ¡®?ntech' ??: CNBC, 4? 17? The U.K. and Irish governments have placed great emphasis in attracting investment to both the IFSC in Dublin and Silicon Roundabout in London. Irish Minister of State Simon Harris has unveiled a new strategy for the IFSC aimed at creating 10,000 additional jobs over the next ?ve years. And the plan puts a major focus on driving employment among FinTech companies. http://www.cnbc.com/id/102595473 UnionPay to focus on global, mobile services for Chinese tourists ??: SCMP, 4? 16? UnionPay, the mainland¡¯s dominant payment services provider, says it will focus on international online and mobile payment services to cater to Chinese tourists abroad. The new strategy comes amid a push by mainland internet giants Alibaba and Tencent into popular tourist destinations. ¡°As the payment industry evolves with ever diversifying demands, UnionPay International [will] focus on cross-border online and mobile payment services,¡± said David Lee, chief cooperation officer of UnionPay International. News Clipping: Global
Jawbone Reveals UP4 Tracker With Mobile Payment Support ??: PC Magazine, 4? 16? Move seamlessly between a heart-pumping gym session and the supermarket cereal aisle with Jawbone's new UP4 ?tness tracker, which features American Express contactless payments. With the UP4, users can tap to pay anywhere Amex contactless payments are accepted. "We believe this unique technology will delight our active, digitally savvy card members in a powerful way and drive a new type of engagement at hundreds of thousands of merchant locations nationwide," said Leslie Berland, EVP of Digital Partnerships and Development at American Express. http://bit.ly/1G3mEvN Mobile payments could make shoppers spend more ??: CNBC, 4? 14? With mobile pay, checking out is as easy as a single tap. But could all that ease be too much of a good thing? Just as credit cards are blamed for causing consumers to spend between 12 and 18 percent more than if the purchaser had used cash, experts said that mobile payments could similarly lead shoppers to spend more frivolously at the register. http://cnb.cx/1CIEOzi Mobile payment methods are game changer for Africa ??: Business Report, 4? 14? According to the GSMA 2013 Mobile Money Adoption Survey, sub-Saharan Africa is home to 53 percent of all live mobile money services in the world. These services, which allow users to withdraw and send cash from one cellphone user to another, using local retailers and trading stores as ATMs, are available in 36 out of 47 countries in the region. In Kenya, which has the highest use of mobile money transfers, more than $3 billion (R36bn) is shifted in this way every month, according to Vodacom. That¡¯s $36bn a year. Neighbouring Tanzania sees more than $12bn transferred annually. News Clipping: Global
??? ?? ??? 4? 20?? ??, '????' ??? ??? ?????, ????? ?? ?? ?? ??? ??? ?? ???? ??? ??? ??? ?? 10? ??? ???? ??, ??? ?? ?? ??? ??? ??? ?? ???-1: ??? ??? ????: ????/????/????? ??? ?? ??: ??? ???? ?? 4? 13?? ??? ?? ?? ??? ?? ??? ??? ???? ?? ? ?? ????? ????? ?? ?? ????? ????? ?? ??
1??? ?? ?? ?¡­ ? ??? ??? ????. ?? ?? ?? (1?? 1?) SINGLE ???? ?? TEAM ????? ??? ENTERPRISE ??? ?? ?? ??? ?? (??? ??) ??: ??????, 2015? 4? ?? korea@?ntechkorea.com
??? ????(??)- 2015? 4? 20??

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??? ????(??)- 2015? 4? 20??

  • 2. ?? ??? ?? Editor¡¯s Note 3 ?.?.?.?. 6 ?? ?? ??? 7 ?? ???: ?? 9 ?? ???: ?? 12 ?? 17~28 ??? Index Issue. 4 2015.04.20 Editor¡¯s Note ???? ?? ???? ? ¡­ ??? ??? ?? ??? LG????-?????-KB??, ???? ??? ????? ?? ??? ???? ????? ?? ??, ??????? ????? ??? ?? ???? ??? ??? ??? ??? ?? ???: ?? ??? ???? ??, '?????' ?? ? ??? KB???HUB??? ¡°??? ?? ?? ?? ??¡± ???, ????? ?? ??? ??????? ?? ??? LG???? ?? ???? 1? ¡®???' ??? ???? ?????? ??? ?? ?? ???: ??? The death of cash Fintech start-ups become hot property The war for technology talent: banks and Fintechs go head-to-head UnionPay to focus on global, mobile services for Chinese tourists Mobile payment methods are game changer for Africa Mobile payments could make shoppers spend more
  • 3. ???? ?? ???? ? ¡­ ??? ??? ??? ???? ???????, ??? ???? ?? ??? 2007?? ????? ????? ?? ????? ? ??????. ??? ???? ??? ??? ??? ?? ???? ?? ??? ??? ?????, ? ???? ??? ??? ?? ???? ???? ???? ??? ?? ???. ?? ??? ???? ???? ?(??? ??????? ?? ?? ???)? ???? ??, ???? ?? ???? ? ??, ? ????? SK???? ?????? ???? ??? ?? ??? ???? ??. ??? ??????? ??? ¡®? ??(Top-down)¡¯ ??? ??? ??? ?? ?? ??? ??. ?? ????? ? ??? ??, ???? ??? ???? ??? ??? ¡®??? ??¡¯? ??? ?? ??. ?? ?????? ??? ? ??? ?? ????(?? ??? ???? ???? ?? ????), ?????? ???? ????, ????? ? ? ??? ???? ??. ?? ?? ??? ????? ??, ???? ¡®???¡¯?. ?? ?? ???? ??? ???? ??, ??? ?? ??? ?? ??? ?? ?? ¡®???¡¯ ???? ???? ??. ??? ??? ???? ???? ?? ??? ???? ????? ? ?, ?? ? ¡®?? ???¡¯? ??? ? ? ??. ??????? ???? ??? ??? ??? ??? ¡®?? ? ?¡¯? ???? ?????? ???? ??? ???. ??? ¡®??? ???¡¯? ??? ??? ?????? ??? ????? ??? ???? ??. ??? ?? ????. ??? ????, ?2, ?3 ???? ??? ??? ???? ??? ??. P2P ??? ??? ???? ???? ??? ??? ??? ???? ??? ????. ??? ?? ???? ?? ????? ? ??? ? ???? ????. P2P ?? ??? ?????? ?? ???? ??? ?? ?? ?? ? ??? ??? ???? ? ???, ??? ??? ??? ??? ???. ??? ?? ??? ?????? ?? ????? ?? ???, ?? ?? 1?? ??? ? ?? ??? ??? ?? ???, ?? ???? ??? ? ??? ???? ???? ??? ?? ??? ???? ??. ??? Founding Editor-in-Chief Editor¡¯s Note
  • 4. ?? ??? ?? ??? ???? ???? ??? ?? ?? ?? ? ??? ????. ? ??? ?? ??? ????. ??? ?? ??? ???? ?? ?? ??? ? ?? ?? ?? ????, ????? ???? ?? ?? ???? ????? ??? ???? ??? ??? ???? P2P ????? ??? ? ?? ??? ???? ????, ??? ?? ? ?? ? ??. ?? ????? ???? ?? ???? ? ? ?? ??? ??? ? ??. ?? ?? ???? ? ??? ??? ? ???. ??? ??? ??? ???? ??? ??- ?? ?? ?? ???? ? ?? ??? ??? ??????, ??? ?? ?- ? ??, ?????? ???? ?? ???? ?? ?? ??? ??? ?? ???? ?? ? ? ? ??? ? ?? ???? ?? ????? ?? ? ???? ?? ??? ? ?? ??? ????. ?? ????? ?? ??? ? ???? ?? ? ??? ??? ???? ????? ??. ? ???? ??? ???? ????? ??? ? ??? ???? ??? ??? ??? ???? CB????(CB Insights)? ????? ???? ?? ???? ?????? ?? ???? ??? ? ??? ????. (?? ??? ??) ?? ?? ? ?? ??. ??: CB Insights, 2015.04
  • 5. ???? ??? ??? ??? ?? ??? ?? ??? ???? ??? ????. ??? ????? ?? API ? ???? ?? ?? ???. ??? ??? ??? ??, ???? ? ??? ???? ??? ?? ???. ? ?? ??? ???? ??? ? ???? ?? ???. ???? ?? ??? ??? ??? ??? ? ?? ?? ? ???? ??? ?? ?? ?? ????. ???? ????? ??? ?? ?? ? ? ? ?? ???? ???? ???. ?? ? ?? ??? IT ???? ? ??? ????? ??? ?? ??? ? ?? ?? ???, ?? ?? ???? ? ???. ??? ??? ??? ??, ???? ?? 3.0? ?? ?? ?? ?? ?? ?? ??? ??? ??. ¡°???? ??? ?? ??(Banking)??, ??(Bank)? ???.¡± ??? ?????? ??? '??? ??'? ???? ??. ??? ??? ???? ???. (?? ??? ??) ?? ??? ???? ? ???? ??, ???? ??? ?? ? ??, ????? ??. ?? ?? ??? ???? ????? ??, ? ?? ?? ?? ????? ??? ? ? ???? ????? ??. ???? ????? ???? ?? ? ?(IPO) ??? ???? ???? ? ? ?? ??, ??? ?? ??? ?? ??? ???? ???? ???? ? ? ??. ??: medium, 2015.01
  • 6. ? ¡®??? ??¡¯ ??? ??? ??? ?? ??? ????? ???? ???? ?? ??? ?? ? ??. .. ?? ???? ??? ?? ?? ?? ??? ??? ??? ?? ? ??? ??? ??. ??? ???. ?? ??? ??? ??? ? ? ?? ?? ? ??? ???? ????? ??? ??. ??? ????? ?? ??? ???? ???? ??. ??? ??? ?? ?????? 4? 13? ???? ? ? ?? ??? ??? ???? ?? ??? ?? ????? ??? IT? ??? ???? ? ??? ?? ???. ??? IT??, ??? ????, ????? ???? ? ???? ?? ?? ???? ???? ???? ???? ??? ???? ???? ?? ?? ?? ??? ????? ??? ??? ???? ?? ????? 2015? 4? ??? '2014?? ???????' ??? ??? ?? ??? ??? ¡°?? ???? (???? ??, ???? ?) ??? ??? ?? 50%?? ?? ??. ??? IT? ??? ????. ???? ?? ? ?? ??? ?¡± ??? KAIST ?? 4? 14? ??????? ??? ??? ???? ?? ?? ??? ??? ?? ??? ??? ? ??? ??? ???. ?? ??? ???. ??? ? ? ?? ??? ???? ?? ??. ?? ?? ?? ???? ???. ????? ???. ?? ??? ?? ??? ????. ?? ???? ?? ????? ? ?? ?? ?? ???? ????? ???? ??. 15? ?? ? ??? ???? ?? ?
  • 7. LG????-?????-KB??, ???? LG????? ????? ? KB????? ??, ???? ????? ??? ?? ?? ? ?? ???? ???? ? 16? ???. ?? ???? LG????, ????? ?????, KB???? ?? ?? 7??? LG???? ? KB???? ?? ? ???? ????? ???? ??? ?????? ????. ?? ??? ??? ????? ??? ?? ?? ? ?? ?? ???? ???? ??? ??? ??? ?? ??? ??? ???? ?? ??? ????? ?? ?????? ??? ?? ??? ?? ???? ?? ??? ¡®??? ?????¡¯? ????? 14? ???. ????? ???? ?????, ?????, ????? ? ?? ? ????? ??? ??? ? ?? ??, ??? ?? ????, ????? ? ????, ??????? ? ??? ??, ????????? ?? ????? ?? ?? ???. ??? ???? ????? ?? ?? ???? ??? ??? ??? ????? ??? ? ??? ??? '??? ???? ?????'? ????.. ?????? ?????? '?? ? IT ?? ?? ??'? ??? ?? ??? ????? ?? ?? ???? ?? ? ? ? ?? ??? ???? ???, ???? ????? ??? ?? ???? ? ?? ???? ?? '??? ?? ?? ?????'? ????? 17? ???. ??, ??????? ????? ??? ?? ??? ???????? ???? ??? ?????? ????? 14? ???. ?? ??????? ???? ??? ?? ??? ??? ??? ???? ?? ???? ???? ??????? ? ???? ???? ??? ??? ? ?? ??? ???? ???. ?? ??? ???? ?? ????. ?? ??? ?????. ??? korea@fintechkorea? ??????. News Brie?ng
  • 8. ?? ??? ?? ?? ?? ?? ???? ????? ????? ???? ??? ?? ?? ???? ?? ???? ?? ?? ????? ????? ??????? ?????-???? ????? 8???-P2P ?? ??? ???? # ? ??? ??? ?? ??? ????? ?? http://?ntechkorea.com/directory ?? ??: ??? ???? ??? ??? ??? ??? ???? ??? ¡®2015 ??? ??? ???'?? ????? ????? ? ?? ??? ?? ???? ?? ??? ????. ???? 15? ?? ?? ??? ????? ??????? ?? ??? ? ? 200?? ??? ??? ??? ???? ??, ?? ?? ??? ? ?, ??? ??? ???? ????? ???. ?? ???? ??? ?? ????? ? ?? ?? ?? ???? ??? ??, ?? ????? ??? ???? ??? ??? ¡®?????¡¯? ?? ?? ????. ?? ????? ???? ???? ??? ??? ¡®?????¡¯? ??? ???, P2P(Peer to Peer) ??? ??? ¡®?????¡¯? ???? ?? ??. ?? ?? ?? 8? ??? ???? ?? ????? FX?? ?????? ??? ¡®FX ???¡¯? ???, ??? ???? ??? ??? ?? ??? ? ?? ??? ? ??. News Brie?ng
  • 9. ??? ???? ??, '??? ??' ?? ? ??: ?????, 4? 15? ?? ???? ???(??+??)? ?? '?? ???' ??? ??? ??? ??. 15? ???? ??? NH????? ?? ????, ????? ? ??? ??? ?? ???? ???? ??. ????? ??? ????? ???? ?? ???? ?? ???. ?? ???? ??? ??, ??? ? ? ??? ???? ???? API(Application Programing Interface)? IT??? ???? ???. ???? ??? ??? ?? ??? ???? ?? ???? ???? API? ??? ????. http://bit.ly/1G5EX6n ??? KB???HUB??? ¡°??? ?? ?? ?? ??¡± ??: ????, 4? 15? ¡°?? ??? ??? ???? ?? ??? ?? ???? ???? ?? ?? ??? ???? ? ?? ?? ??? ?? ?? ??¡±? ¡°KB? ??? ??? ?? ??? ???? ????? ?? ? ? ??? ??? ???? ???? ? HUB??? ?? ??¡±??? ???. ¡°??? ????, P2P ??, ????, ???? ??? ?? ??? ?? ?? ??? ?? ?? ??¡±??? ¡°?? ?? ?? ???? ?? ??? ????? ??? ???? ???? ??? ?? ?? ???? ?? ??? ???¡±? ????. ???, ????? ?? ?? ? ??: ????, 4? 17? ?? ????(Wells Fargo)??? IT ??? ??? ??? ?? ?? ???? ???, ?? ????? ? ??? ?? 2013??? ¡®??? ?¡¯? ???? ??. ???? ??? ????? ??? ???? ??? ????? ????. ??????? ¡®??? ????? ?¡¯? ??? ??? ???? ??? ?? ?? 50 ? ??? ????. ? ?? ¡®??? ??¡¯ ¡®?? ??? ????¡¯ ? ??? ???? ?? ?? ??? ??? ?? ???? ? ?? ??. http://bit.ly/1HDDfIv News Clipping
  • 10. ??????? ?? ??? ??: ?????, 4? 17? ??? ??????? ??? ???? ??? ¡®??(ãy®b)??¡¯ ??? ??? ? ???? ??? ??? ? ?. ??? ??? ?? ??? ??? ¡®??? ??¡¯?? ???? ???????? ??? ??? ICT ? ? ???? ??? ???? ?? ????. ??? ¡®????¡¯? ??? ?? ????? ???? ???? ? ?? ¡®??? ??¡¯?? ??? ?? ???? ?? ????? ??? ??? ?? ????. http://bit.ly/1IV09gj ?????,¡°???????, ?? ???? ??¡± ??: ??????, 4? 17? ?????? ??????? ? ICT?? ??? ???? ??? ?? ?? ??? ?? ????? ?? ? ???. ????? ???? ¡°ICT?? ??? ???? ???? ???? ?? ??? ??? ??? ?? ?? ? ?? ?? TF? ??? ?? ?? ??? ???? ?? ??? ???? ??¡±? ???. LG???? ?? ???? 1 ? ¡®???' ??: ??????, 4? 17? ?? 2010? LG?? ??3?(???, ???, ???)? ??? ??? LG????? ¡®????¡¯? ??? ¡®????¡¯? ?????? ????. ? ???? ¡°????? ¡®LTE? LG????¡¯?? ??? ???? ? ? ? ?????? ???? ???? ??? ??? ????? ????? ?????¡±?? ¡°????? ? ? ¡®? ??? ?????(New life Creator)¡¯? ???? ??¡±? ???. ??? ????. ???? ??? ¡®? ??? ?????¡¯? ??? ? ???. ??? ????? ??? ?? ?? ??. ?? ?? ??? ??? ? ? '???¡®? ?? ??? ???. ??3? ? ??? ???? ?? ??? ??? ??? ??. http://bit.ly/1aFDBkv IT ??? ??? `???` ? ?? ?? ??: ??????, 4? 16? ?????? ????, ????? ?? ???? IT??????? ?????? ???? ??. ????? ? ?? 27??? ???? ???? ??? ???? ????? ???. ? ??? ???????? ?? ? ????? ???? ????. http://bit.ly/1EdchYP News Clipping
  • 11. ??? ??? ??, ???? ?? ?? ?? ??: ?????, 4? 17? ?? ?? IT??? ???? ?????? ???? ?? ?? ?? ??? ??? ??? ??. 16?(????) ???????? ? ?? ??? ??? ?? ???? ?? ???(MPS) ?? ????? ???? ????? ????. ?? ???? ??? ???? ?? ?? ?? ?? ?? ??? ??? ???? ????? ???? ? ? ??? ??? ?? ?? ???? ??? ? ??? ?? ???? ??? ???. ???? ??? O2O ?? ? ? ??? 5000? ?? ??: ??????, 4? 17? ????? ??? O2O??? ?? ??? 5000?? ??? ????? ??. 17? ??? ? ????? ?? ???? ?? O2O???? ??????? ??? 2?? ??? ? 5000?? ????? ???. ?? ?? ???? ??????? O2O??? ????? ? ??? ??? ?? ??? ????. "ÖÐ ??? ?? ????? ? ?? ?? 100???¡± ??: ????, 4? 17? ??? ??? ?? ?(P2P) ?? ?????? ???(Lufax)? ????? ? 100???(10?8???)? ???? ???????(WSJ)? 16?(????) ???? ??? ????. WSJ? ?? ?? ?? ?? ?? ?? ???? ??? 100???? ????? ????. ???? ??? ? ????????(PEF), CDH?????? ?? ????? ???? ???. http://bit.ly/1Q0MO83 ??? ???? ?????? ??? ?? ??: e??? 4? 17? ???? ??? ???? ???? ?? ?? ?????? ??? ???? ??. ?? ??????(ICT)? ???? ???? ??? ??? ????? ????? ???? ???? ??. ??? ?? ? ??? ? ???? ??? ?? ?? ???? ???? ??? ??? ??? ???? ??. News Clipping
  • 12. The death of cash ??: Citym, 4? 13? Cash makes up just ?18.33 of every ?100 spent in the UK, Halifax said today, as card and digital payments take over.The rise of digital payments is starkly outlined in new ?gures from the bank, which show how quickly Britons have adopted cutting-edge technologies. Cheques account for just 1.2 per cent of all current account transactions, and cash withdrawals make up only 16.6 per cent of account activity. By contrast debit card purchases make up 56.7 per cent of current account transactions, with direct debits accounting for another 19.4 per cent. http://bit.ly/1GDb79p Fintech: Many African Startups, Few Successful Exports ??: L'Atelier, 4? 16? The number of digitally-based ?nancial services companies worldwide has grown substantially in the last two years, but their stage of development varies widely from country to country. Among the emerging countries, the Africans stand out. You will not often hear the name ¡®Africa¡¯ on the lips of banking innovation experts, but for all that the continent is not really lagging behind. In fact the number of new ?nancial sector companies there is steadily increasing. http://bit.ly/1DbdR6D Fintech start-ups become hot property ??: Daily Telegraph, 4? 16? Hundreds of millions of dollars in funding await local ?nancial technology start-ups as the largest banks, insurers and wealth management institutions jostle for pole position, in fear of missing out on the ¡°next big thing¡±, experts say. ¡°When companies look at tipping funds into ?ntech start-ups, talks of $50 million-plus are common as opposed to $1m-$2m,¡± said AWI Ventures accelerator manager Simran Gambhir. http://bit.ly/1OMN217 News Clipping: Global
  • 13. The war for technology talent: banks and Fintechs go head-to- head ??: banking technology, 4? 16? New research shows ?rms in London¡¯s ?nancial district created more than 3,030 new jobs in March 2015, 25% more than the same time last year, as banks continue to look to enhance their technological capabilities and strengthen their deals teams amid strong M&A activity. One of the main reasons for this upturn in hires is the decision by investment banks to increase investment in technology staff, in order to strengthen their own tech divisions and to replace the staff that have moved on in favour of London¡¯s growing ?nancial technology sector, writes Anthony Sherick http://bit.ly/1yuHhkE UK and Ireland becoming a force in ¡®?ntech' ??: CNBC, 4? 17? The U.K. and Irish governments have placed great emphasis in attracting investment to both the IFSC in Dublin and Silicon Roundabout in London. Irish Minister of State Simon Harris has unveiled a new strategy for the IFSC aimed at creating 10,000 additional jobs over the next ?ve years. And the plan puts a major focus on driving employment among FinTech companies. http://www.cnbc.com/id/102595473 UnionPay to focus on global, mobile services for Chinese tourists ??: SCMP, 4? 16? UnionPay, the mainland¡¯s dominant payment services provider, says it will focus on international online and mobile payment services to cater to Chinese tourists abroad. The new strategy comes amid a push by mainland internet giants Alibaba and Tencent into popular tourist destinations. ¡°As the payment industry evolves with ever diversifying demands, UnionPay International [will] focus on cross-border online and mobile payment services,¡± said David Lee, chief cooperation officer of UnionPay International. News Clipping: Global
  • 14. Jawbone Reveals UP4 Tracker With Mobile Payment Support ??: PC Magazine, 4? 16? Move seamlessly between a heart-pumping gym session and the supermarket cereal aisle with Jawbone's new UP4 ?tness tracker, which features American Express contactless payments. With the UP4, users can tap to pay anywhere Amex contactless payments are accepted. "We believe this unique technology will delight our active, digitally savvy card members in a powerful way and drive a new type of engagement at hundreds of thousands of merchant locations nationwide," said Leslie Berland, EVP of Digital Partnerships and Development at American Express. http://bit.ly/1G3mEvN Mobile payments could make shoppers spend more ??: CNBC, 4? 14? With mobile pay, checking out is as easy as a single tap. But could all that ease be too much of a good thing? Just as credit cards are blamed for causing consumers to spend between 12 and 18 percent more than if the purchaser had used cash, experts said that mobile payments could similarly lead shoppers to spend more frivolously at the register. http://cnb.cx/1CIEOzi Mobile payment methods are game changer for Africa ??: Business Report, 4? 14? According to the GSMA 2013 Mobile Money Adoption Survey, sub-Saharan Africa is home to 53 percent of all live mobile money services in the world. These services, which allow users to withdraw and send cash from one cellphone user to another, using local retailers and trading stores as ATMs, are available in 36 out of 47 countries in the region. In Kenya, which has the highest use of mobile money transfers, more than $3 billion (R36bn) is shifted in this way every month, according to Vodacom. That¡¯s $36bn a year. Neighbouring Tanzania sees more than $12bn transferred annually. News Clipping: Global
  • 15. ??? ?? ??? 4? 20?? ??, '????' ??? ??? ?????, ????? ?? ?? ?? ??? ??? ?? ???? ??? ??? ??? ?? 10? ??? ???? ??, ??? ?? ?? ??? ??? ??? ?? ???-1: ??? ??? ????: ????/????/????? ??? ?? ??: ??? ???? ?? 4? 13?? ??? ?? ?? ??? ?? ??? ??? ???? ?? ? ?? ????? ????? ?? ?? ????? ????? ?? ??
  • 16. 1??? ?? ?? ?¡­ ? ??? ??? ????. ?? ?? ?? (1?? 1?) SINGLE ???? ?? TEAM ????? ??? ENTERPRISE ??? ?? ?? ??? ?? (??? ??) ??: ??????, 2015? 4? ?? korea@?ntechkorea.com