The study on the Re - design of Banking Business using the Information Technology

정보처리기술을 이용한 은행업무의 재설계에 관한 연구

Since the bank managers were accustomed to be under the goverment policy and control so far, all what they had to do were just to follow the government policy and wait for customers. These usual practices resultedin neglection of concerns for innovation and competitive power. However, it currently happens the change of business environment such as the liberalization of interest rates and the open finance market policy. Thus, it is necessary for the bank managers to have a concern on that situation for the improvement of profitability through productivity and cost-down. The bank managers are trying to set out an innovation strategy to cope with this situation. An innovation strategy should be based on its own characteristics of banking business. The banking business is different from those of other business because it deals with intangible services rather than material goods and thus, the bank managers have to be more sensitive to the customers. There also exists an inefficiency of internal process due to too many repetition of 'check and balance'. Thus, We set out the five principles and six selected tasks in order to settle down an inefficiency and to redesign a bank operation process.