인터넷뱅킹 서비스의 현황과 발전방안

Abstract

인터넷 이용인구의 급증, 전자상거래 규모 확대, 지급결제 등과 관련된 정보통신 기술의 급속한 발전에 따라 인터넷뱅킹 서비스가 지속적으로 확대되고 빠르게 정착되고 있다. 이러한 인터넷뱅킹의 도입으로 거래비용이 대폭 절감되고 시간적ㆍ공간적 제약이 없는 금융서비스 제공이 가능해져 은행경영에 큰 영향을 미치고 있다. 본 논문은 확대되고 있는 인터넷뱅킹 서비스의 현황을 살펴보고, 인터넷뱅킹 발전을 위한 방안을 고찰하는데 목적이 있다.

즉, 각 금융기관은 세분화된 고객의 라이프 스타일과 투자성향에 기초한 맞춤형 금융상품 및 서비스의 개발이 필요하며, 비금융회사와 제휴하여 자금이체, 증권매매 등 기존 인터넷 금융서비스 이외에 교차판매, 온라인 보험 및 웹 펌뱅킹, 외국환거래 등으로 채널 활용도를 제고하고 인터넷 채널 전략을 강화하여 비금융서비스 판매를 확대할 필요가 있다.

Banking over internet has attracted increasing attention. This attention has been due to the revolutionary developments in information and communications technology, such as the rapid growth in electronic commerce, the usages of Internet and electronic payments. Internet banking could have significant effects on the performance of the banking industry by cost savings, revenue growth and increased customer convenience. The purpose of this paper is to describe the current state of Internet banking and to discuss the policy challenges to develop the Internet banking.

Therefore, financial institutions offer a wider range of Internet banking services in order to meet the various financial needs of individuals and businesses. And Internet banking has increased the convenience of accessing an even wider array of existing banking service. Also, Securities, marketing and customer's credits are most important to develop the Internet banking.

Banking over internet has attracted increasing attention. This attention has been due to the revolutionary developments in information and communications technology, such as the rapid growth in electronic commerce, the usages of Internet and electronic payments. Internet banking could have significant effects on the performance of the banking industry by cost savings, revenue growth and increased customer convenience. The purpose of this paper is to describe the current state of Internet banking and to discuss the policy challenges to develop the Internet banking.

Therefore, financial institutions offer a wider range of Internet banking services in order to meet the various financial needs of individuals and businesses. And Internet banking has increased the convenience of accessing an even wider array of existing banking service. Also, Securities, marketing and customer's credits are most important to develop the Internet banking.