모바일뱅킹 경쟁력 제고를 위한 기존 문제점 분석과 활성화 방안에 관한 연구: 일반은행과 우체국 금융 비교

Abstract

Recently, the growth of Fintech and Bigtech to provide mobile financial services is prominent. The purpose of this study is to look at ways to improve competitiveness by analyzing the circumstances and problems of mobile banking. In order to achieve the research objectives, several procedures were implemented. First, we considered the current status of mobile financial services and existing literature studies. Second, we analyzed the current status to identify the problems of mobile banking. Third, we proposed a way to strengthen the competitiveness of mobile financial services. In conclusion, this study suggested the improvement of consumer convenience from the point of view of financial consumers, digital financial innovation to strengthen the ability to respond in the financial market from the point of view of financial institutions, and the strategy of innovation strategies of the entire financial industry from the point of view of government institutions. Above all, in order to cope with the open banking era and secure the platform competitiveness of digital finance, the value of 'safety' must be accompanied. In addition, this study suggested a way to strengthen the public role of financial service institutions through providing differentiated services.