국내 모바일뱅킹 서비스 현황 및 향후 발전방향

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  • 1. 2010 - - 2010 6 17 U

2. I 2II 5III 7IV 9V 16 3. I. 1. , PDA, ( : , 2004).VM On-line WirelessBanking AnytimeAnywhereConnected , PDA, 1 234 UMPC WAP VMUSIM + * (Wireless Application Protocol : WAP) : 2 4. I. 2. 03 189 09 11,155 59 .07 VM , . 09 23.3% . < > ( : , %)< > , 03~09 , , 10.4 3 5. I. 3. , . 09 18 111 29.4 . , (09 28.9% , 76.2% ) VS VS < > , 03~09 , 10.4 4 6. II. 1. IT CD/ATM, , , , TV . , / , . < > Riggins, 1998 5 7. II. 2. / , , . , . . / , Self , , , Self , , , , 6 8. III. 1. WAP : , , ID . VM : , , . (: ) : . C/S . WAP2 , , VM3( ) 2 IC ICIC USIM - 3 USIM , 3~4 WAP(wireless application protocol) WWW . PC (WAP i ) 7VM(Virtual Machine) . 9. III. 2. 99 / SMS , 03 , 07 VM, 08 USIM , 09 . / (03)(07) USIM(08)(10), (99)(09) 3 VM SMS USIM 3 VM OS IC RF IC / IC SMS, WAP SMS, e-Mail PDA 1G2G 3G 4G AMPS(1984) CDMA(1998-2002) 1xEV-DO(2003-6)WCDMA(2007~11) ? Data- 2.4 Mbps Seamless Service 9.6kbps ~ 64kbps - 307kbps384 Kbps~ 2 Mbps Ubiquitous Max 100Mbps( : 600kbps) 20Mbps, 4G 8 10. . 1. 3 WAP , VM . => . VM , PIN 3 OS ID/PW 9 11. . 2. 5 UI, , , , 5 .5 1 UI, 1 2 UI 2 , 3 5 3 4 4 5 Target 10 12. . 3. UI CI Blue Green, Yellow / . (Grid) Cover Flow . [(Grid) ] [Cover Flow ] 11 13. . 4. , SSL , . , / Access Trace Audit Anti I/F Virus / SSL / SSLData Trace &Audit , * 1. 2. User TracingSmart Phone 3. Audit Admin12 14. . 5. / . => / / , 10.6.1 , . 13 15. . 6. OS OS . , OS(Bada, ) (One Source, Multi-Use).14 16. . 7. CRM , . 1(30) > 2(40) > 3(50) > 4(, ) / . 101.08% 10 / / / / 39.73% (, )2020 / / / / 3031.64% (, )4018.71%(/ ) / / / 30~50 / 507.45%60Health Care / / 60 1.39% , 30 30 40 20 : www.wooribank.com, , SNS(,, ) : SMS, MMS 15 17. . Target .* & : 120 (11 ~ ) / Target (, ) : 30 (10) CRM , 2 ( & G-CRM ) (, ) Category Killer 1 U- . 16 18. e-Mail : godwolley@wooribank.comTel : 02-2002-4551