: * ** 1. 2. 3. 4. 5. 6. 1..,.,,,. * E-mail : clover@kisdi.re.kr ** E-mail : candy615@kisdi.re.kr KISDI IT FOCUS 2001 4 5
,,. 2.., ( ),,. (PFMS). 1),,,,,.( 1 ) < 1> 1), (EBPP), (Budgeting)., (, ) 6 KISDI IT FOCUS 2001 4
., 1999 10 2005 9,000 ( 2).,.( 1) 2) < 2> * : Celent Communications 2) PC 1984 Intuit KISDI IT FOCUS 2001 4 7
< 1> Claritybank 2000.6 VerticalOne Citibank 2000.7 Yodlee VirtualBank 200.7 Yodlee Centura 2000.9 VerticalOne Royal Bank 2000.9 CashEdge Chase Manhattan 2000.11 Yodlee Wells Fargo 2000.12 VerticalOne Everbank 2001 Yodlee Fleet Boston 2001 Yodlee 300 First Union 2001 Yodlee 170 NetBank Teknowledge SFNB VerticalOne MSDW 2000.10 Yodlee Merill Lynch 2001 Yodlee Charles Schwab 2001 Yodlee Paine Webber Yodlee Onmoney 2000.2 VerticalOne Quicken 2000.4 Yodlee MSN MoneyCentral 2000.7 Corillian 32 Yahoo! 2000.8 VerticalOne : Company and Industry Reports AOL Yodlee.,.,., Yodlee, 6 8 KISDI IT FOCUS 2001 4
. 3).,.. 4),.( 2 ) < 2> PFM - 724 ( ) -, - : (, ) 3..., 3) Datamonitor 3 21 4),,,.,,. KISDI IT FOCUS 2001 4 9
. 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 2001 4
(Screen-Scraping) PC PC. 3 3. < 3> ( ) ( ) < 3> OFX ( ) OFX PC, KISDI IT FOCUS 2001 4 11
,. 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) 2000 12 VerticalOne 12 KISDI IT FOCUS 2001 4
< 4> Vendors 1,000 1,000-50,000 50,000 B2B : Mainspring CashEdge ByAllAccounts Teknowldedge ebalance B2C 1ViewNetwork ezlogin Yodlee (VerticalOne). 13) OFX,,,.,,. 5. 13) KISDI IT FOCUS (, 3 ) KISDI IT FOCUS 2001 4 13
< 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 2001 4
.,, (trade-off).,, 1999 8 First Union PayTrust Citibank.,.,,,... ( 4). < 4> * : (e-finance) KISDI IT FOCUS 2001 4 15
. End-to-End,. 15), 3.. ( ),, PC..,. 16) 724, OK.,,, 17), 18). 15), 16) Private Banking, (, ) 17) (First-Mover Advantage),,.,,. 18),, 16 KISDI IT FOCUS 2001 4
,,, 19).., 20).. (Cross-sell) 21).,, (customizing), PC, (Permission),., 19),.,,. 20),.,,. 21). (Wrap Account),. KISDI IT FOCUS 2001 4 17
.,,.,..,.,.,. (Private Banking) 50-60 (High-Net-Worth- Individual) (Financial Planner),., 30-40 (Do- It-Yourself),...,.,,., 18 KISDI IT FOCUS 2001 4
., 22),. (HTS),. 6.,.,,...,,,., (Overhyping).,,,. 22), KISDI IT FOCUS 2001 4 19
.,,, 2000. 5., ; (1), KIS DI IT FOCUS,, 2000. 12, ; (2), KIS DI IT FOCUS,, 200 1. 1, /, KIS DI IT FOCUS,, 200 1. 3, Acco unt Aggre gation,, 200 1.1, Acco unt Aggregatio n S e rvice,, 200 1. 1 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, 2000 www.fastba nk.co.kr www.f inge r.co.kr www.netnme.co m www.otech.co.kr www.zo i.com 20 KISDI IT FOCUS 2001 4