Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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Analyses of the Domestic Research Trends and Future Research Directions of the Pure Play Internet Banks through Literature Review

문헌분석을 통한 인터넷전문은행에 관한 국내 연구동향 및 향후 연구방향 고찰

  • 김재덕 (동국대학교 서울캠퍼스 경영대학 경영정보학과) ;
  • 옥성환 (동국대학교 서울캠퍼스 경영대학 경영정보학과) ;
  • 황경태 (동국대학교 서울캠퍼스 경영대학 경영정보학과)
  • Received : 2019.04.24
  • Accepted : 2019.07.20
  • Published : 2019.07.28
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Abstract

Major objective of the study are to analyze the trends of domestic research on pure play internet banks and to propose the future research directions of the ares. To achieve the objectives, this study first summarize the basic concepts and current status of pure play internet banks, establish analysis criteria, and analyze 56 papers based on the criteria. Major research results and future research directions are summarized as follows: non-empirical research should utilize mathematical/conceptual model rather than opinion/guidance, and empirical research should employ secondary data analysis method; in case of the individual level analysis, research on the bank personnel, and on use/outcome of customers should be performed; more organizational level studies should be performed; and in case of societal level research, impact of the pure play internet banks should be analyzed in depth.

본 연구의 목적은 인터넷전문은행의 국내 연구 현황을 분석하고, 향후 연구 방향을 제시하는 것이다. 이를 위해 본 연구에서는 먼저, 인터넷전문은행의 기본 개념과 현황을 간략히 정리하고, 문헌 분석 기준을 수립하고, 수립한 기준을 바탕으로 인터넷전문은행에 관련된 56편의 문헌을 분석하였다. 인터넷전문은행 분야의 학술적인 연구와 실무에서 참고할 수 있는 주요한 연구 결과와 향후 연구방향을 요약하면 다음과 같다. 첫째, 연구 방법적으로 비실증 연구는 의견/주장보다는 수학적/개념적 모델 수립의 연구를, 실증 연구의 경우에는 2차 데이터 분석 방법을 활용하고, 둘째, 개인수준의 연구의 경우, 은행 인력에 대해 연구와 고객 대상의 연구에서 활용과 성과에 대한 심도 있는 연구가 필요하고, 셋째, 조직 단위의 연구 활성화가 필요하고, 넷째, 사회 수준 연구에서는 인터넷전문은행의 파급효과를 보다 체계적으로 분석할 필요가 있다고 판단된다.

Keywords

Table 1. Research theme by level of analysis

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Table 2. Research Mothods

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Table 3. Publication year

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Table 4. Research approach

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Table 5. Research methods of non-empirical studies

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Table 6. Research methods of empirical studies

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Table 7. Level of analysis

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Table 8. Individual level – publication year

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Table 9. Individual level - theme

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Table 10. Individual level – research variable

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Table 11. Organizational level – research variable

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Table 12. Societal level – publication year

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Table 13. Societal level – theme

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Table 14. Societal level – detail theme and literature related to law/regulation

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