Contents : : CFO : 16 2: 18 3: / 20 4: 22 5: / / 24 6: 26 7: : 34

인텔리전트파이낸스 (Intelligent Finance) CFO (Productivity Boom)? : Michael Mandel (Wharton School), (Mack Institute for Innovation Management) (Senior Fellow) 36 / 01

Contents 03 04 1. 06 2. : 08 3. : CFO 12 4. 14 5. 15 1: 16 2: 18 3: / 20 4: 22 5: / / 24 6: 26 7: 28 6. 31 32 33 : 34

서문 (Blockchain), (Artificial intelligence), (Cognitive Computing), (Machine Learning), (Intelligent Automation), (Internet of Things).. 10 2. (Wharton School), (Mack Institute for Innovation Management) (Senior Fellow) Michael Mandel, CEO (Technology CEO Council), Mandel 2017 (Coming Productivity Boom). (Intelligent Finance) : CFO (Productivity Boom), CFO., CEO... Safra Catz CEO(Chief Executive Officer) 02 / 03

전체요약,. ConnectOne Bank CEO, Frank Sorrentino,.,,.. 2. 1, 10. 2,,,,,,,..,,..,,. CFO. : CFO (Productivity Boom) (Intelligent Finance: How CFOs Can Lead the Coming Productivity Boom) CFO., CEO Safra Catz CEO 2017 3, (Coming Productivity Boom), 3. 1 SaaS(Software as a Service), IaaS(Infrastructure as a Service) PaaS(Platform as a Service). SaaS SaaS. 2 10 2 (2016 ).. 3 Michael Mandel Bret Swanson, : (The Coming Productivity Boom: Transforming the Physical Economy with Information), CEO (Technology CEO Council), 2017 3

. Tool Box.,.. ( ).,,. CFO,,. CEO, CFO,. CFO,,,..,. 04 / 05

1. 생산성둔화 10 CFO. 1930,. CFO.,.. S&P 500 10%. 1%., 4.7%. 2017 10 1.2%. 2007 10 2.8% ( 1). 그림 1 : 생산성증가율둔화 (, 10 ) 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0% 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 : (Bureau of Labor Statistics)

,, ( 2). 그림 2 : 전세계생산성둔화 (10 GDP ) 2006-2016 1996-2006 : (OECD) 06 / 07

2. 리더따라잡기 : 더확대되는격차 CFO. 10.,,., ( 3)., 1. 그림 3: 확대되는생산성격차 : 고생산성및저생산성산업 2016 FTE(Full-Time Equivalent) 1 : 1 2006 2016 (2016 ) 943 46% A 383 61% ( ) B 243 17% 230 8% 228 2% C 206 32% 195 22% 194 8% 300 14%

주요저생산성산업 2016 FTE(Full-Time Equivalent) 1 : 1 2006 2016 (2016 ) 119-1% 115-11% 112 8% ( ) D 108-1% 87 2% E 79 6% 65-7% F 53-7% 83-1% A : B,,, C,,,, D,, E F,,, : (US Bureau of Economic Analysis),,,.,, / (Physical).. 08 / 09

2. 리더따라잡기 : 더확대되는격차.,,,,,. 4. 1 3., 10. 2006 2016 14.4% 1.4%. -1.1% -0.1% ( 4).. 1 5. (US Bureau of Economic Analysis). 5 그림 4 : 생산성리더, 주도권강화 (2016, 1 ) 300 250 FTE 1, 2016 1 200 150 100 50 0 2006 2016 : (US Bureau of Economic Analysis),. 2006 2016 1 61%., 1, 28% ( 5). 4 e, Michael Mandel e [ (Progressive Policy Institute), 2017 9 ]. 5 /.

,., (OECD), 5%. 6 그림 5 : 고생산성산업의보다빠른소프트웨어지출증가율 (FTE 1 1 ) 9.0 8.0 7.0 6.0 FTE 1, : 1 5.0 4.0 3.0 2.0 1.0 0 2006 2016 : (US Bureau of Economic Analysis), CFO (Best Performer). (Hackett Group),.,.,.,. 7,. (Harvard Business Review Analytic Services) (Genpact) 2016, 17%., (Design Thinking), (Lean Digital), 2. 8 6 Dan Andrews, Chiara Criscuolo Peter N. Gal, :, (The Best versus the Rest: The Global Productivity Slowdown, Divergence across Firms and the Role of Public Policy), OECD, 2016-05 7 (Raising the World-Class Bar in Finance Through Digital Transformation),, 2017 8 (Accelerating the Pace and Impact of Digital Transformation), (Harvard Business Review Analytic Services) (Genpact), 2016 10 / 11

3. 조사결과 : CFO 가어떻게변화를주도하는가...,?... Safra Catz, CEO CFO? ( )., HCM(Human Capital Management),, SCM(Supply Chain Management),,,,, / /.., IT,, IT,.. CRM(Customer Relationship Management), ERP(Enterprise Resource Planning), HCM(Human Capital Management), SCM(Supply Chain Management) (FairfieldNodal) CFO Kevin Crosby 50%..

, CFO.,,.,,,, IoT..,.,... Tool Box....., Doug Kehring.,...,., ConnectOne Bank CEO Frank Sorrentino,.,,.. 12 / 13

4. 경제성장에대한클라우드서비스의영향? ",.,." Michael Murray, (Blue Shield of California) CFO.,.,..? FTE(Full-Time Equivalent) 0.5%., 0.7% (.). 10 2 (2016, )...,.,. (Shawnee State University) 1...,.,....

5. 사례연구 CEO, CFO,,. 14 / 15

1: 2008 2009 CFO.,. 2017 3 1.8%, 2007.,.. 2006, 9 ( 6). 그림 6 : 은행들, 2006 년이후효율성저하 ( *) 1996 0.62 2006 0.57 2016 0.58 *,., : (Federal Deposit Insurance Corporation) CFO..,., 6. 10.. 11 9.. 10, (Fintech Startups Seek to Shake Up Money-Transfer Industry.) (Wall Street Journal), 2007 12 19 11, (Blockchain is poised to disrupt trade finance) PwC, 2017 8 3

2005 (ConnectOne Bank) CEO Frank 1.. 2.,. 3.. Sorrentino.. 50 -.,. 40%, 60%. Sorrentino. Sorrentino,,...., SEC(US Securities and Exchange Commission). 10%,.,, IT(Lean IT). (Intelligent Finance) :. (American Institute of CPAs) CFO,,.. Neil Martucci,,.. 금융서비스기업들, 비용절감및수준향상위해프로세스간소화 ( %) 27%, / 40% CoE(Centers of Excellence) 26% Q: (1-5 ). : Agile Finance Revealed: The New Operating Model for Modern Finance, (American Institute of CPAs), 2017 16 / 17

2: 90.. 2006 2016 59%.,, 13% ( 7).,. 그림 7 : 대학교육비, 청년졸업생급여보다훨씬빠르게증가 (25 34,, 2006 2016 ) 59.2% (Intelligent Finance) :., 2017 (American Institute of CPAs), 60% BI(Business Intelligence). 2017 (Rutgers University) J. Michael Gower.. 14.,,.. 9.6% 13% 18.2% 23.1% : (US Census Bureau), (Bureau of Labor Statistics),.,. 12 MOOC(Massive Open Online Courses),., 4 (Shawnee State University) Rick Kurtz, 5~10. 150... Kurtz,,,. Kurtz... 12 4, /,,,, :, 1996 2009, (Digest of Education Statistics).2016, (National Center for Education Statistics).

1... 2. 1. 3...,.. Elinda Boyles.. 2,. Boyles.. Kurtz,. IT,.. Kurtz 90.,,, 1. Kurtz.,,.. 4 59% 6, 1,. 13. Kurtz.. Kurtz 3,..,.,. Boyles,,...,. 13 4, /,,,, :, 1996 2009, (Digest of Education Statistics). 2016, (National Center for Education Statistics) 14 Agile Finance Revealed: The New Operating Model for Modern Finance, (American Institute of CPAs), 2017 18 / 19

3: / 1.. 2.. 3..,,, CFO. CVS/Aetna. 그림 8 : 인구수증가보다빠른의료관련종사자수증가 42% (, 2000 2017 ) 16% 51% : (US Census Bureau), (Bureau of Labor Statistics).. R&D. Michael Murray, (Blue Shield of California) CFO,. ( 8). (Cross-cutting) (Population Health)... 2017 4 20 CFO Michael Murray,. 4...

(Intelligent Finance) : 2017 AICPA Agile Finance Revealed,,. 15%. 2018. (Deloitte) 2017 3 CFO Signals,,. 15 Blue Shield? Murray Blue Shield 145..... Blue Shield. 1 1. 6~7. CSS(Corporate Shared Services) Michael Sheils.,. 60,... Murray, 2.,..., Sheils,.. 의료업체들, 회계프로세스자동화위해클라우드도입시작 하지만, AI 사용은여전히제한적 ( %) 29%, / CoE(Centers of Excellence) 25% 15% Q:. : Agile Finance Revealed: The New Operating Model for Modern Finance, (American Institute of CPAs), 2017 15 Deloitte, CFO Signals, 2017 3 20 / 21

4:..,. (Accenture Consulting) 2017, 40%,. 16 (Deloitte Center for Energy Solutions) 2017,, 10. 17 CFO, ( 9). CFO. 2,500 그림 9 : 유동성이큰석유및가스시추부문 ( ) 2,000 1,500 1,000 500 0 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016 : Baker Hughes CFO., /, (FairfieldNodal) CFO Kevin Crosby... 16 : 2017 (Drill Deeper into Digital: Upstream Oil and Gas Digital Trends Survey), (Accenture Consulting), 2017 17 : (From bytes to barrels: The digital transformation of upstream oil and gas, (Deloitte Center for Energy Solutions), 2017

2015 12 Crosby 1.. 2.. 3.,.. Crosby... 50%..,. Bare Metal Services,.., Oracle Bare Metal Services. Crosby 1,.,... Crosby.. Crosby,.. 22 / 23

5: / /, / / / / CFO.,. 1. /.. 2.,.. 3..,. / /.,,., 58%,,. 18., ( 10).. 그림 10 : 소비재및유통체인의생산성둔화 ( 1 ) -0.8% 3.1% 0.8% 2.8% 1.6% 1998-2006 -0.1% 51% 2006-2016 : (US Bureau of Economic Analysis),, CFO. e,,. (Amazon),... 18, 1997-2016, (US Bureau of Economic Analysis)

.,,.. (Dramatically).. Shannon Castellanos, 5G,. 10.,,., (The Wonderful Company) 40, FIJI Water, Wonderful Almonds, Landmark Wines, Wonderful Halos( ),,,.,, Teleflora. ERP. Hannon Castellanos.. (Dramatically).. ERP. CIO Richard Scheitler CEO., 6~7 ERP..,. Scheitler.....,. Scheitler ",.. 24 / 25

6: 20 6., 28 7. R&D. CFO., 5 0.5% ( 11). 그림 11 : 사실상 0 에가까운제조업계생산성증가율 (5 ) 7% 6% 5% 4% 3% 2% 1% 0% 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 : (Bureau of Labor Statistics) (McKinsey Global Institute), 2 10. 19.. 2000.,.. (Small-batch), e,. 20 4 (Industry 4.0) (Internet of Goods). 21 CFO,. 19 : (Making It In America: Revitalizing US Manufacturing),, 2017 11 20 Michael Mandel, 1 : (The Next Ten Million Jobs: Energizing the Physical Industries in the Heartland States) (Progressive Policy Institute), 2017 10 21 Michael Mandel, (Get Ready for the Internet of Goods), (The Wall Street Journal), 2017 10 15

1.. 2.,. 3.. 3D (Carbon). Digital Light Synthesis 3D., Futurecraft 4D (Midsole),.,. 3D ERP, HCM, SCM, Service Cloud Oracle Cloud Service.,. (Connected).. Chris Hutton 20, 6.., 28 7. (Intelligent Finance) : 2017 AICPA Agile Finance Revealed,. BI(Business Intelligence), 63% 2017.,. Oracle Service Cloud 8. 1.. (Digital Distribution). 26 / 27

7: (Google), (Facebook). CFO. 10~15,,,,, e.,..... CSO(Chief of Staff Officer) Doug Kehring.. IT. IT IT., IT..,. IT., IT,,,.... IT. IT,. Kehring...,.. 1 (Pay-as-You-Go).

... 10.,.,..,... Doug Kehring, CSO (Chief of Staff Officer of the CEO),... -,. Kehring.,.,...,. (Accelerated Buying Experience)., Oracle Cloud 80%.. Oracle Sales Cloud Oracle CPQ Cloud Oracle Service Cloud - - (Click-to-Chat)....., CPQ.,, IT Oracle CPQ Cloud. 28 / 29

7: QTC(Quote-to-Contract) John Doyle... (Accelerated Buying Experience),.,. Doyle,.., (Accelerated) 50%. (Accelerated Hiring Experience). Oracle HCM Cloud,. 1,. Oracle ERP Cloud Enterprise Performance Management(EPM) Cloud. Ivgen Guner " EPM Cloud.". ERP EPM Cloud, 17%.. Kehring.....,..

6. 결론..,,,..,,.. CFO..,. CFO.. CFO. CFO. Oracle ERP Cloud Solutions ( ) www.oracle.com/kr 080.2194.114 080.2194.114 30 / 31

저자 7: 소개 Michael Mandel (Wharton School) (Mack Institute for Innovation Management), (Progressive Policy Institute) CES(Chief Economic Strategist), (South Mountain Economics LLC.).,,. 2017 Mandel (Wall Street Journal), (New York Times), PBS (PBS NewsHour), NPR, (Washington Post), (Boston Globe), (Financial Times), BBC, (Forbes). (Op-Eds) (Robots Will Save the Economy) (Get Ready for the Internet of Goods). Mandel,,. PPI, Mandel (Businessweek) (Chief Economist), 20 100. Mandel Rational Exuberance: Silencing the Enemies of Growth and Why the Future Is Better Than You Think 4, Economics: The Basics 3. Mandel.

오라클소개. Oracle Cloud SaaS(Software as a Service), PaaS(Platform as a Service), IaaS(Infrastructure as a Service) DaaS(Data as a Service).,,.. 175 43. oracle.com/kr. 32 / 33

부록 : 조사방법론 1. (lagging).,. 2.. 3. (BEA, US Bureau of Economic Analysis). BEA,, 65 FTE(, Full-Rime Equivalent). 2006 2006 2016 FTE ( ) (1,,.). 2006., 64 ( 2006 2016 ).,,.,, / (Physical).. 4.,.,,,,,,.. 5. 2006 2016 2016 14.4% 1.4%., 10 1.1% 0.1%., 10, (2006,.). 6.. BEA, BEA (Own Account). 2016 3 530. 70% 2 460,, 30%.

7. 2016 FTE 8, FTE 1 300. 8. 2006 2016 FTE 61%,, 28%. FTE 22%. 9. /,.,. 10. BEA., BEA. 11.,,,.,,,., 2006 2016. 12.,.. 13. 10 FTE(Full-Time Equivalent) 1-0.1% 0.5%. 0.4%. FTE 1998 2006 0.7%. 14., 2016 2026 FTE. 2016 2026 2006 2016 0.5%. 15. 2016 GDP 2. 16. :..,. 34 / 35