A Study of Current Trends and Future Prospectsin Mobile Simple Payment Services

초록

FinTech refers to a new type of financial service that combines finance and ICT technology, which is a combination of various financial services such as remittance, payment, loan, and asset management based on a wide range of users secured by global ICT companies or financial institutions. In the case of FinTech in Korea, simple payment services based on mobile devices is a big part of the FinTech service industry and researches are being actively carried out to widely activate to various fields. In addition, various policies for activating the FinTech industry, such as the abolition of the mandatory use of the certificate verification in June 2015, are in effect, and the mobile simple payment service is accordingly expected to be activated. Currently, as known through Paypal, Alipay, Transfer Wise, etc., in addition to simple payment using mobile devices only, various types of financial settlement services have been being provided. Moreover, government in each country has established various policies to foster the FinTech industry. The purpose of this study is to explain the concept and development background of FinTech, to analyze FinTech service and policy trends in Korea and abroad, and finally to propose problems and remedies of FinTech service in Korea.

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