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1 : * ** ,.,,,. * clover@kisdi.re.kr ** candy615@kisdi.re.kr KISDI IT FOCUS

2 ,,. 2.., ( ),,. (PFMS). 1),,,,,.( 1 ) < 1> 1), (EBPP), (Budgeting)., (, ) 6 KISDI IT FOCUS

3 ., ,000 ( 2).,.( 1) 2) < 2> * : Celent Communications 2) PC 1984 Intuit KISDI IT FOCUS

4 < 1> Claritybank VerticalOne Citibank Yodlee VirtualBank Yodlee Centura VerticalOne Royal Bank CashEdge Chase Manhattan Yodlee Wells Fargo VerticalOne Everbank 2001 Yodlee Fleet Boston 2001 Yodlee 300 First Union 2001 Yodlee 170 NetBank Teknowledge SFNB VerticalOne MSDW Yodlee Merill Lynch 2001 Yodlee Charles Schwab 2001 Yodlee Paine Webber Yodlee Onmoney VerticalOne Quicken Yodlee MSN MoneyCentral Corillian 32 Yahoo! VerticalOne : Company and Industry Reports AOL Yodlee.,.,., Yodlee, 6 8 KISDI IT FOCUS

5 . 3).,.. 4),.( 2 ) < 2> PFM ( ) -, - : (, ) 3..., 3) Datamonitor ),,,.,,. KISDI IT FOCUS

6 . Microsoft, Intuit, CheckFree1997 OFX 5),., OFX. OFX... OFX, 6). 7),., end-to-end encryption 3,. 8) 3. 5) OFX(Open Financial Exchange),. OFX MS BOA, IBM OFX Gold 1998 OFX 6), 7) 8) (Decryption),. 10 KISDI IT FOCUS

7 (Screen-Scraping) PC PC < 3> ( ) ( ) < 3> OFX ( ) OFX PC, KISDI IT FOCUS

8 ,. 9) 4. (Solution Providers) (a set-up fee) (percustomer fee). 10). Yodlee,. 11) Yodlee B2B. 1,200, 95%. 30,. 12) VerticalOne B2C. 724 ezlogin. 9),,..,,.,. 10).(Value-Added Application) 11) Yodlee. Kinexus 12) VerticalOne 12 KISDI IT FOCUS

9 < 4> Vendors 1,000 1,000-50,000 50,000 B2B : Mainspring CashEdge ByAllAccounts Teknowldedge ebalance B2C 1ViewNetwork ezlogin Yodlee (VerticalOne). 13) OFX,,,.,, ) KISDI IT FOCUS (, 3 ) KISDI IT FOCUS

10 < 5> Banktown 200 OASIS ( ), ( ) Hydra myfocus SS FASS/ Fast Bank * : ( ), ( ), PFMS 10 PFMS PFMS LG, 5... (Customer Empowerment),. 14), 14),.,, (an agent for the customer) 14 KISDI IT FOCUS

11 .,, (trade-off).,, First Union PayTrust Citibank.,.,,,... ( 4). < 4> * : (e-finance) KISDI IT FOCUS

12 . End-to-End,. 15), 3.. ( ),, PC..,. 16) 724, OK.,,, 17), 18). 15), 16) Private Banking, (, ) 17) (First-Mover Advantage),,.,,. 18),, 16 KISDI IT FOCUS

13 ,,, 19).., 20).. (Cross-sell) 21).,, (customizing), PC, (Permission),., 19),.,,. 20),.,,. 21). (Wrap Account),. KISDI IT FOCUS

14 .,,.,..,.,.,. (Private Banking) (High-Net-Worth- Individual) (Financial Planner),., (Do- It-Yourself),...,.,,., 18 KISDI IT FOCUS

15 ., 22),. (HTS),. 6.,.,,...,,,., (Overhyping).,,,. 22), KISDI IT FOCUS

16 .,,, , ; (1), KIS DI IT FOCUS,, , ; (2), KIS DI IT FOCUS,, , /, KIS DI IT FOCUS,, , Acco unt Aggre gation,, , Acco unt Aggregatio n S e rvice,, Forrest Res ea rch, The New Yod lee : Stro nge r But Incom plete, De ce m be r 6, 2000, Ba nks Ente r The Aggre gation Fie ld Of Drea ms. Aug ust 22, 2000 Ma ins pring, Pe rso na l Fina ncia l Aggre gato rs Matte r ; ta ke a sta nd, nk.co.kr inge r.co.kr m i.com 20 KISDI IT FOCUS

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