신용카드사의 디지털 혁신 전략과 글로벌 사업 확장을 위한 성공 요인 분석 = Analyzing Critical Success Factors in Digital Innovation Strategies and Global Business Expansion of Credit Card Companies

다국어 초록 (Multilingual Abstract)

This study systematically analyzes strategies for securing competitiveness among credit card companies amid digital transformation and dynamic changes in the global market landscape.
On the digital innovation side, the research examines how the adoption of advanced technologies-such as AI, big data, mobile platforms, and fintech collaboration-enables creditcard companies to enhance customer experience, optimize operations, and develop new revenue streams. Concerning global expansion, the study explores key elements including market selection and entry modes, balancing localization and standardization, partnership building, and regulatory compliance, utilizing relevant theories and corporate case studies.
The paper derives integrated success factors from both digital and global strategies, highlighting the importance of data and AI capabilities, platform strategies, localization and partnerships, risk management, and effective governance. Drawing on leading cases (e.g., Capital One, UnionPay, Amex), the research discusses the synergies of technological innovation and global management, as well as practical solutions in the industry. This work helps systematically identify the key conditions for survival and growth in the dual challenges of digital innovation and global expansion, providing valuable implications for both policy and management practice in the credit card sector.