??? ????(??)- 2015? 4? 27??
- 2. ?? ??? ?? Editor¨s Note 3 ?.?.?.?. 7 ?? ?? ??? 8 ?? ???: ?? 9 ?? ???: ?? 12 ?? 18~27 ??? Index Issue. 5 2015.04.27Editor¨s Note ? ??? ??? ??? ?? ??? ??SDS, ???? ?? ?? .. ???? ????? ?? e?????, ???? ?? 1? .. ??-G?? ??? ?? ??, ???? ??? ???? ?? ?? LG????, ????? ???? ?? ?? ?????, ???? ?? ?? ?? ???: ?? ??? ????, ?? ?? ?? ?? '?? ???'? ??? ｀???¨ ????? ????? ???? ???? ??? ???? ?? ???? ???? ??? ?? ???? ??? ?" ??? ??? ????? '?? ?¨? ?? ??? ｀? vs ??¨ ??? ?? ???? ??? ???? ???´??? ??? ???? CEO, "????? ???? ?????￣ ?? ???: ??? Banks are technologically two decades behind, says Barclays data chief Fintech trends for the future of asset management Four British Startups Breaking Through The Billion Dollar Mark Fintech revolutionaries storm the barricades of traditional banking FinTech payment startups least likely to get acquired by banks Deutsche Bank offers Banking via the Apple Watch Fintech demand exploding worldwide Where Are Mobile Payments Headed? Why Should New Payment Entrepreneurs Focus On Proximity Payments?
- 3. ? ??? ??? ??? ??? Founding Editor-in-Chief Editor¨s Note P2P ??(P2P Lending) ???? ???? ?? ???? ?? ? ???. ??? ????. ?? ??? ???? ?? ?? ???, ?? ?? ??? ???? ?? ??? ?????? ????? ???. ?? ??? ??? ?? ?? ?? ??? ?? ???? ??? ? ? ?? ??, ?? ???? ???? ?? ??? ????? ????? ?? ??? ?? ? ?? ??? ???. ?? ???? ??? ?? ???? ??? ??? ?? ???? ??? ??? ???? ?? ?? ?? ???? ??? ?? ? ?? ????. ????? ??? ??? ????? ??, ??? ??? ??? ?? ? ?? ?? ??? P2P ?? ???? ??? ?? ??. ??? ? P2P ?? ??? ??? ?? ????? ??? ?????? ?? ??? ??. ?? ????? ???, ????? ?? 2012? ???? P2P ???? ?? ??? ?? ??? 9???? ?? ?? 2014??? 66???? ????. ??? ???? ?? ??? ?? 2016??? 328???? ??? ??? ????. ??? ??? ?? ??? ????? ??? ???? ??. ?????? ??? 2014? ? ?? ???? ??? ? 8694??. ??? ??? ????? ??? 2010? ?? 1?4014?? ??? 37.9% ???? ? ??? ?? ??. ?? ??? ??? ???? ???? ?? ?? ?? ??? ???? ???? ? ??? ??? ?? ??. ?????? ??? ??? 2014? 6?? ???? ????? ???? ??? 255??? ??? ??? ??? ?. ???? ?? ?? ??, ? ?? ? ?? ? ?? ??? ????? ????? ???. ??? ? ??? ?? ??? ?? 4?? 3? ???? ?? ?? ??????, 4???? 6????? ?? ?? ? ???? ??? ??? 22% ???? ????? ???. ??? ?? ?2 ???. ????? ??????? ???? ??? ?? ? ?? ????? ｀?? ???? ????¨? ??? ????? ???. ???? ??? ??? ＾????? ??? ??? ???? ???? ??? ????? ??￣? ＾P2P ??? ?? ?? ?????? ??? ???, ?????? ?? ?? ??? ??? ????￣? ???. ?? P2P ?? ??? ??, ??? ???? ??? ??? ???? ? ? ??. ??? ??? ??? ?? ??? ? ?? ????? ???? ?? ??? ???? ????? ? ???? ???? ???? ??? ?? ??? ??? ?? ?? P2P ?? ??? ? ? ??? ???? ??? ??? ???? ?? ??.
- 4. ?? ??? ????, ??? ????? ???? ??? ??? ??? ??? ???? ?? ??? ? ???? ???? ???? ?? ?? ? ? ?? ??? ?? ??? ?? ? ???. P2P ??? ??? ?? ????. ?? ???? ?? ??? ? ??? ??? ??? ? ? ??. ??? ???? ??? ????? ???? ??? ? ??? ???. ???? ??? ???? ?? ???? ? ??? ????. ?? ?? ??? ??? ??? ?? ???? ?? ????? ???? ?? ?? ? ???? ????? ? ???? ??. ??? ?? ??? ??? ? ? ?? P2P ?? ??? ? ? ??? ??? ?? ??? ??? ??? ? ? ???. ???? ? ??? ??? ????? ????. ?? ? ?? ???? ??? ｀??????? ??? ??? ??¨ ????. ??? ???? ???? ?? ??? ?? ????? ???(?? ??? ??? ??? ???? ????????´), ????? ??? ??? ??? ?? ? ? ??? ?? ????. ? ??? ?? ????? ????? ???? ?? ??? ???? ???? ????. ? ???? ??????? ? ?? ??? ??. ?????? ? ?, ??? ??? ??? ??? ??? ????? ?? ?? ?????? ???, ? ??? ??? ?? ? ?? ????? ? ? ??? ??? ? ??? ??? ? ??? ???? ??? ???. ? ? ??????? ???? ?? ??? ?? ?? ??? ???? ?? ???????? ?? ???? ?? ?? ???. ??? CIO ???? ??? ??? ??? ???? CEO? ? ??? ??? ?? ?? ?? ? ???, ???????? ??? ??? ?? ??????. ?? ??: ???, 2015.04 ????? ?? ??. ??? ??? ??? ??? ?? ? ? ??? ???. ??? ??? ????, ? ??? ｀??? ??¨? ??, ? ??? ??? ? ?? ? ?? ????? ??? ??? ??? ????. ?? ??? CIO? ??? ??? ????? ? ??? ｀???? ??? ?? ?¨? ???. ???? ??? ?? ??? ??? ???? ??? ???.
- 5. ?? ?? ?? ? 15????? ??? ????. ????? CIO ??? ?? ???. ?? ????? IT ??? ???? ?? ??? ?? ?? ???, ???? ｀???¨? ????, ???? ｀???¨? ???? ?? ???? IT ??? ??? ?. ?? ?? ?? ??? ??? ??? ???. ??? ?? ??? ??? ???? C??? ???? ??? ??? ?? ? ??? ??? ???. ?? ???? ??????, ?? ????? ???? ??? ??, ??? ? ?? ?? ??. ?? ??? ??? ?? ｀?? ?¨?? ??? ?? ???? ?? ?? ????, ???? ? ?? ??? ???. ?, ??? ??. ?? ??? ????. ? ??? ??? ?? ?. ??? ?? ?? ???? ???. ?? ??? ???? ???? ????? ?? ? ?? ??? ?? ??? ???. ???? ???? ???? ???. ??????? ??? ? ?? ??, ? ?? ｀??? ?? ??? ????¨ ?? ｀??? ??? ????¨? ????? ???? ??? ???? ?? ? ???. ??? ?? ??? ?? ??? ? ???. ?????? ?? ??(4? 27?) ?? ??? ????. ???? ??? ??? ? ?? ???? ? ??? ????. ??? ｀?? ??¨? ? ???? ???? ??? ??, ??? ? ??? ?? ???? ??? ??? ??? ??? ??? ? ?? ??? ????. ?? IT ????? ?? ??? ??. ????(菜竪易竪)?. ? ??? ｀??¨? ???. ??? ?? ???? ??? ???? ??? ??? ??? ??? ?? ?? ? ? ? ??. ??? ? ????? ? ??? ??. ?? ??????? ???? ?? ??? ?? ????. ??? ??? ??? ? ???? ???? ??? ???? ??, ??? ??? ?? ??? ? ?? ??? ?? ??? ?? ｀??¨???. ?? ??? ??? ????. ????. ?? ??? ???? ?? ??? ???? ?? ??.
- 6. ?? ?? ???: 5? 1? (?) ??? ??
- 7. ? ???? ??? ?? ???? ???? ??? ???? ???? ????? ?? ?? ?? ???? ??? ??. ???? ?????? ??? ?? ??? ????? ???? ? ? ??? ?? ??? ??? ??? ??. ???? ??? ?? ????. ??? ??????? 22? ????? ??????? ?? ＞????IT ???? 2015＞ ?????? ? ? JP??? ?? ?? ??? ??? ????? ???? ??. ?? ??? ?? ??? ? ?? ?? ?? ????, ???? ? ??????. ?? ????? 10??? ? ??? JP??? 16??? ??? ??? ????? ????? ??? ?? ???? ??. ? ??? KPMG ???? ?? 22? ?? ??? ?????? ?? ?????????? ??? ??? ?? 2008?? ?? ??? ???? ????? ? ?? ??? ???? ??. ?? ??? ????? ?? ????? ??? ??????? ??? ? ? ? ??? ????? ??? ?? ??? ??????? ??? ??. ?? ????? ?? ?? ??? ???? ?? 22? ????? ??????? ?? ＞????IT ???? 2015＞ ??? ? ????? ?? ????? ? ??? ??? ???? ???? ??? ??? ? ? ?. ?????? ?? ??? ??? ?? ??? ?? ?? ??? ? ?? ? ?? ??? ??? ??. ??? ???????? ??? 23? ?? ?????? 2015 ?????? ?
- 8. ??SDS, ???? ?? ?? .. ? ??? ????? ?? ??SDS? ｀???? ?? ???¨? ???? ?? ? ??? ????? ???. ??SDS? ?? ?? ??????? KG????? ? ????? ??? ???? ???? ???? ?? ? ?? ??? ???. ?? ?? ?? ??????? ????? ??????? ??, ????? ??? ??? ?? ? ??? ??? ????? ????. ??SDS? ???? ???? ｀??? ?? ? ????¨? ??? ?? ??? ?? ???? ??, ?? ??? ?? ?? ??? ??? ? ?? ????? ????. e?????, ???? ?? 1? .. ??-G?? ??? ?? ??????? ??? 4? ???? ???? ｀?????'? ????? ??? G??? ??? ?? ?? ??? ???. ?????? ?? ?? ? ?? ??? ??? ??? ?? ?? ??? ??? SMS(?????) ????? ???? ??? ??? ?????. ??? ?? 1?? ????? ?? ??? ????? ?? ??? ??? 2?? ?? 142% ????? ???. ??, ???? ??? ???? ? ? ?? ??? ?? ?????? ??? ?? ???? ??? ???? ?? ????? ?? ??(WeChat)? ??? ? ?? ?? ???? ????? ???. ???? ???? 6??? ?? ?? ?? ???? ??? ?? ??? ?? ???? ???? ?? ???? ?? ????. ??? ??? ??? ?? ????? 612??, ??? ????? 11???? ??? ¨???¨?? ??? ?? ??? ?? ???? ??? ??? ????? ??? ???. LG????, ????? ???? ?? ?? LG????? ??? ???? ???? ????(Paynow)? ???? ???? ??? ????? ???. ??? ????? ??, ??, NH?? ?? ??? ????? ????? ???? ?? ???? ?? ??? ? ?, 10???? ???? ??? ????? ???? ?? ?? ?? ??? ????? ???? ????? ?? ??? ? ? ?? ?????, ???? ?? ?? ?????? ??? ????? ?? ?? 7? ???? ???? ?? ???? ????? ???. ????? ? ?? ? ?? ??? ??, ???, ?????????, ????? ????? ??? ????, ??? ???. News Brie?ng
- 9. ??? ????, ?? ?? ? ? ??´??? ???? ??: ????, 4? 24? ??? ????? ?? ??? ???? ? ????? ??? ?? ???? ???? ??. 24? ?????? ??? ??NFC? ?? 2? ??? ?? ?? P2P ?????? ?????? ??? '8 ???'? ?? ??? ?? ??? ????. ?? ???? "??? ???? ?? ???? '??'? '?????' ? ???? ???? '?????? ?'? ????? 10?? ??? ???, ??NFC? 10? ?? ??? ???"? "?? 8???? ??? ? ?, ?? ??NFC? 2? ??? ?? ? ??????? ?? ?????? ?? ??? ??? ??? ??? ?? ???? ??? ?? ? ?? ??? ???? ??"? ???. ??? ??? '?? ???'? ??? ｀???¨ ??: ??1, 4? 24? API(Application Program Interface)? ???? '?? ?? ???'? ICT?????? ????? ? ?? ?????? ?? ??? ?? ????? ??? ???? ??? ?? ??? ??. ?????? ???? ??? ????? ??? ?? ???. ??? ???? ???? ?????? ?? ???? ??? ??? ??. ????? ?? ??? ?????? ????? ???? ????? ??? ? ????. ??? ??????? ???? ?? ??? ?? ????? ???? ?? ?? ??? ?? ???? ?? ???? ???? ?? ????. http://bit.ly/1OObRHU "????? ????? ?? ??￣ ??: ????, 4? 23? "??? ???? ?? ???? ??? ??? ??????. ??? ??? ????? ????? '??? ?'? ??? ????? ???? ????." ??? ???????? ???? ?8? ?? ?????? 2015 ?????? "??? ??? ???? ??? ?? ??? ? ?"??? ????. ???? ?? ???? ? ???? ????? ???? ??? ? ???? ????. News Clipping
- 10. ???? ??? ???? ? ? ???? ??: CCTV??, 4? 22? ??? ????(IT)? ??? ??? ｀???(Fin Tech)¨ ??? ?? ?? ?? ??? ?? 6??? ?? 10? ? 7?? ??? ???? ???? ?? ??? ??? ??? ????. ?? ??? ???? ? ????? ??? ?? ?? DMC???? 22? ??? ｀??? ???? ??? ????¨ ???? ??? ??? ?? ???(? 19?~59? 948? ????)? 97.9%? ??? ??? ? ???? ???? ??? ?? ??? ? 72.1%? ???? ??? ?? ?? ??? ????. BC??, ??? ?? ?? ? ?? 'Token' ??? ?? ??: ??????, 4? 24? BC??? ???????? ???? ???? ??? ? ?? ??? ?? ?? ???? EMV ??? '?? (Token，??????)' ??? ??? ????. ?? ??? ?? ?? ???? ?? ????? ??? ??? ????? ??? ??? ???? ??? ?? ?? ???? ??? ??? ? ?? ?? ?????. http://bit.ly/1Gp0KDv "???? ??? ?? ???? ??? ?" ??: ?????????, 4? 23? ??? ?????? ???? ????? ｀????¨? ?? ???? ?????. ??? ? ?? ???? ??? ? ?? ???? ?? ????? ???? ???? ??. ??? ???? ???? ????? ? ?. ??? ????? ???? ??? ??? "???"??. ? ??? 4? 23? ??? ?? ??? ??? ?? 20??? ?? ｀??? ??? ????¨ ???? ?? "｀??? ??¨? ???? ????? ??"? ????. http://bit.ly/1OomEOb ??? ??? ????? '? ? ?¨? ??: ????, 4? 23? ????? ??? ??? ????? ??? ???(Tablet Branch) ? ?? ???? ???? ??? ? ???? ??? ????. 23? ???? ??? ?????? ???PC? ??? ??? ??? ??? ? ?? ??? ????? ?? ?? ????? ???? ??? ??? ??. ????? ????? ??? ???? ???? ??? ??? ?? ????. ??? ???????? ? ?? ??? ????? ???? ?? ??? ?????? ??? ? ???? ??? ???? ??. http://bit.ly/1E3q1C5 News Clipping
- 11. ?? ??? ｀? vs ??¨ ?? ? ?? ??: ????, 4? 24? ????, ????, ??? ? ??? ??? ???? ?? ??? ｀???¨? ??? ??? ??? ??? ???? ?? ?? ????? ???? ??? ??? ??? ?? ??? ?? ??. 7? ??? ??? ? ? ???? ?? ????? ｀? ??¨ ??? ｀??? ??¨ ???? ??? ??? ??? ???? ??? ? ?? ???? ?? ?? ?? ???? ??? ??. http://bit.ly/1OqJYuQ ???? ??? ???? ? ??`´??? ??? ??: ????, 4? 23? ??? ???? ??????? ???? ???? ??. ??? ???? ???? ??? ??? ??? ? ??? ??? ??? ?????? ????? ????? ? ?????? ??? ???? ????? ? ?? ??? ???? ??. ??? ???? ??? ??? ?? ??????? ??? ?? ?????? ?? ?? ? ??? ???? ??? ??. ???? 22?(????) ?? 1?? ?? ?????(EPS)? 77??, ??? 44?5000? ??? ????? ????. http://bit.ly/1A0aAXE ???? CEO, "????? ???? ?????￣ ??: ????, 4? 24? "??? ?? ??? ??? ???? ????? ??? ???? ??? ??? ? ???. ??? ?? ? ?? ?? ??? ??? ? ?? ??? ??? ???." ? ???? ???? ?????(CEO)? ???? ? ?? ???? ?? ??? ???. ????? ?? ????? ??? ?? ??? ????? ???? ????? ??? ?? ??? ????. ??? ???? ??? ???S6 ????? ??? '????'? ? ???? ?? 6? ??? ?? ??? ???? ????. http://bit.ly/1Gjsrer ???? ????? 4?? ? ?? ??: ????, 4? 23? ?????? ????? ???? ???? ｀????¨? ??? ??? 4? ?? ?????. ?? ?? ? ???? ??(7?)?? ?? 5~6??? ?? ???? ??? ? ?? ????. 23? ???? ??? ???? ???? ? 6? ???? ??? ???? ??????? ?? ????? ? 4? ?? ????? ????. ??? ???? "??? ????? ?? ?? ?????? ???? ? ? 6? ???? ?? ??? ???? ???? ??"? "?? ?? ?? ??"??? ???. News Clipping
- 12. Banks are technologically two decades behind, says Barclays data chief ??: ShareCast, 4? 23? Banks' technology is old but their size makes adopting innovation a long and complicated process, Barclays chief data officer, Usama Fayyad said on Thursday. Speaking at a business conference in London, Fayyad said the banking industry was at risk of becoming a "boring business". "Banks are 10 to 20 years behind in terms of technology," said Barclays CDO. http://bit.ly/1dcTy3M Fintech trends for the future of asset management ??: Financial News, 4? 22? New technology-driven business models such as robot advisory may be creating a buzz, but industry experts think it is still too early to say what impact they will have on the asset management sector. For now, they agreed, ?ntech is affecting distribution rather than product creation. Dinesh Sharma, a consultant at Accenture, said: ＾What ?ntech is doing and what it¨s providing and how it¨s going to affect the business model is very much around sales and distribution of the products. ´ http://bit.ly/1Er1xnR Four British Startups Breaking Through The Billion Dollar Mark ??: Forbes, 4? 24? Meet the billion dollar British businesses plotting global domination. While the UK has often been criticised for its failure to turn exciting early-stage, fast-growth companies into world beaters, its record is improving, with a string of companies hitting the big time over the past few months. Four high-tech companies this year alone have attracted investment that values them at $1bn or more, and others are waiting in the wings. http://onforb.es/1EAcjKm News Clipping: Global
- 13. Apple Watch Ignites Fintech Community, Inspires New Apps ??: Benzinga, 4? 24? "It's de?nitely something we are discussing and thinking through from a UI standpoint, especially as a means of serving noti?cations with the native mobile app, but it's not something we have a current delivery ETA on," Peter Hans, co-founder and president of Harvest, told Benzinga. "That said, I think the watch has a ton of potential as a means of delivering timely user noti?cations." Mike Sha, co-founder and CEO of SigFig, told Benzinga why his company is supporting the watch at launch. Fintech revolutionaries storm the barricades of traditional banking ??: Guardian, 4? 24? The internet revolution disrupted and destroyed traditional industries throughout the 1990s and early 21st century. The record industry was crushed by MP3 downloads, telecoms by mobile, and the high street by online retail. But one major industry has, so far, proven resistant ? the banking and ?nancial sector. Most of the traditional big names of banking still have enormous power over our everyday lives. However, a new breed of entrepreneurs is creating ?nancial technology (?ntech) which could change the whole game and many of them are based in the UK. http://bit.ly/1ElMY56 FinTech payment startups least likely to get acquired by banks ??: CityAM, 4? 23? Financial technology startups shaking up the payments industry are least likely to be acquired by established banks, despite the increasing efforts by ?nancial institutions to become more innovative. The most likely end-game for a successful startup developing innovative new ways for making payments in the rocketing FinTech sector is being acquired by a major technology ?rm such as Apple and Google. News Clipping: Global
- 14. Deutsche Bank offers Banking via the Apple Watch ??: Deutsche Bank, 4? 21? Deutsche Bank is the ?rst bank in Germany to offer clients banking via the Apple Watch / Using Deutsche Bank's "Meine Bank" app, accounts and portfolio information can be displayed directly on the new Apple Watch. A new chapter in the relationship people have with technology: that's how Apple describes its new Apple Watch, which goes on sale in Germany on April 24, 2015. And, to go with it, Deutsche Bank has created a new, customised banking app. Using this app, mobile banking clients can view their personal ?nancial information quickly and easily just by looking at their Apple Watch. http://bit.ly/1GusRE1 Scotiabank makes time for Apple Watch ??: Finextra, 4? 24? Scotiabank today announced that it will launch the Scotiabank Mobile Banking app on the Apple Watch. The app enables users to instantly view their real-time bank balance, and up to ?ve of their most recent transactions, wherever they are -- at a glance -- on Apple Watch. "Scotiabank continues to be a leader in the mobile banking space," said Jeff Marshall, Scotiabank's Vice President, Self-Service Customer Experience. "Our customers are consistently choosing innovative, CIBC Announces New Apple Watch App ??: CIBC, 4? 23? CIBC today announced a partnership with MaRS Discovery District to create a new corporate innovation hub and join MaRS' new FinTech cluster to support future innovations. As part of CIBC's new partnership with MaRS, the bank will be constructing a permanent corporate innovation space for ?nancial technology. The new facility is expected to be ready this fall, allowing teams from CIBC to collaborate with leading technology talent and continue to focus on developing the next wave of banking innovations for clients. http://bit.ly/1yWdwJy News Clipping: Global
- 15. Fintech demand exploding worldwide ??: Banking Exchange, 4? 22? As a measure of the gargantuan in?uence of technology on the future directin of ?nancial services, a recent survey by Accenture ?nds that global investment in ?nancial- technology (?ntech) ventures tripled to $12.2 billion in 2014, from $4.05 billion in 2013. Last year, ?ntech investment increased at more than three times the rate of overall venture capital investment. While the U.S. still captures the lion¨s share of ?ntech investment, Europe experienced the highest growth rate, with an increase of 215% to $1.48 billion in 2014. http://bit.ly/1FlOVPy Where Are Mobile Payments Headed? ??: EnterpriseAppsToday, 4? 22 ? Apple has garnered much of the mobile payments hype following the introduction of Apple Pay last October and the Apple Watch this month, but Apple's solution is only one of many that payments providers are considering as they try to stay ahead of the expected growth in mobile payments, which some experts expect to become commonplace in the next few years. Apple Pay, while continuing to grow in popularity, is still available at less than 1 million of an estimated 12 million payment terminals in the U.S. That means there is plenty of room for Samsung and other players that are coming out with their own mobile payments solutions to get a share of the nascent market. Why Should New Payment Entrepreneurs Focus On Proximity Payments? ??: LTP, 4? 24? As per the statistics from eMarketer, global retail sales in 2014 was $22 trillion, of which e-commerce sales amounted to only $1.3 trillion. So, for every dollarspent on e- commerce, 17 dollars are spent in physical stores or being paid in person. So the big question is: Shouldn¨t the entrepreneurs be focusing on the bigger chunk? This makes us think that the entrepreneurs looking at the payments and commerce space should be spending more mindshare on innovation in the bigger pie. Proximity payments clearly provide a pathway here.. http://bit.ly/1IQj8VY News Clipping: Global
- 16. ??? ?? ??? 4? 27?? ????? ??? 100?1 ?? ?? ??? ?? 3? ?? ??? ?????? ????, ?? ??? 6? ???? ??? ??/ ??? ????? ??? ?? ??? ????? ??? One-Page Brie?ng/???? ??, ＾??? ? ????￣ One-Page Brie?ng/???????: ??? ??? ??? ?? One-Page Brie?ng/BC??, ＾??? ??, ?????? ??? ??￣ ????? ??: ??? ??? ??? ??? ??, ?? ??? ???! 4? 20?? ??, '????' ??? ??? ?????, ????? ?? ?? ?? ??? ??? ?? ???? ??? ??? ??? ?? 10? ??? ???? ??, ??? ?? ?? ??? ??? ??? ?? ???-1: ??? ??? ????: ????/????/????? ??? ?? ??: ??? ???? ??
- 17. 1??? ?? ?? ?´ ? ??? ??? ????. ?? ?? ?? (1?? 1?) SINGLE ???? ?? TEAM ????? ??? ENTERPRISE ??? ?? ?? ??? ?? (??? ??) ??: ??????, 2015? 4? ?? korea@?ntechkorea.com