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Recently Fintech is the core innovation driver in the finance industry. Even though the Korean government announced several policies to support Fintech innovation, it is not sufficient to enhance the Fintech innovation in Korea. The purpose of this research to analyze and investigate the Fintech in terms of technological perspective, industrial perspective, and societal and framework conditions perspective. For this purpose, this research consists of 5 chapters. The Chapter 1, Introduction describes the research background and purpose, research methodology, and research structure. In Chapter 2, the concept and development prospect of Fintech are proposed. And the background and concept of Fintech, related works, technology characteristics and development prospect of Fintech, change of finance service and model due to Fintech, and the R&D Investment in Finance Industry are described in Chapter 2. In Chapter 3, the prospect of finance industry structure change due to Fintech are analyzed. In particular, change of finance service innovation paradigm, Fintech related domestic policies, internet bank and finance industry structure change, and finance industry restructuring and ecosystem change are investigated. The Chapter 4, prospect of society, market and framework conditions change due to Fintech are described. The societal impacts, prospect of market demands, prospect of framework conditions change are covered in this chapter. Based on the previous chapter, the Chapter 5 has concluding remarks and proposes the Fintech innovation and strategies for finance industry. This chapter proposed the direction and 19 policies tasks in terms of fintech based finance in dustry innovation policies, Fintech based finance industry promotion policies, and framework condition polices to support Fintech innovation.
The object of this research is to propose the service innovation policy direction based on the analysis and investigation of service R&D investments and service R&D policies of global countries. In Chapter 2, the investments and trends of global service R&D were investigated based on the OECD database. In Chapter 3, the patterns and characteristics of global service R&D investment are given. In Chapter 4, the service R&D policies of United Kingdom(U.K.), Germany, and Japan were described. In conclusion, the Chapter 5 proposes the policy direction and tasks for service innovatoion in terms of service R&D invstement, service R&D investement model, service industry development fundamental law, and establishment of infra for service R&D.
The object of this research is to propose the service R&D policy direction and tasks for service industry development. In Chapter 2, service R&D investment status and international comparison are investigated based on the OECD database. In addition, service R&D policies are analysed. In Chapter 3, global service R&D investment patters and characteristics are given. In Chapter 4, service R&D capabilities and environments are described. In conclusion, the Chapter 5 proposes the service R&D policy direction and tasks for service industry development in terms of service industry development fundamental law, service R&D innovation programs, and service R&D innovation infrastructure.
Digital transformation means "the phenomenon in which each sector of industry and society is digitized, resulting in improved productivity, business model innovation and increased consumer benefits". With the possibility of industrial innovation increasing due to technological development, interests in how digital technology affects company productivity and national economic growth and how to use it is also increasing. Innovation through digital transformation is taking place in most industries, but the areas where digital technology is making consumers more accessible include banking, distribution and logistics industry. A new business model based on digital technology provides consumers with better services than before, which lays the foundation for enhancing related services by increasing consumer benefits and promoting utilization of those services. In Korea, the service industry is faced with a problem of reduced productivity, but it is expected that the service industry will be able to play a role as a new national growth engine if digital technology can expand the scope of the industrial ecosystem by leading innovation and drastically creating added value. This study analyzes the problems to be solved for the high value-added Korean service industry through innovation from the theoretical, technical and political perspectives. In addition, our study examines the current status of innovation activities and difficulties of Korean companies, and seeks policy countermeasures to strengthen the competitiveness of the service industry, including the domestic distribution and logistics sectors. Advances in digital technologies such as big data, artificial intelligence(AI), blockchain, Internet of Things(IoT) and 5G are further accelerating innovation at each service dimension (i.e., service concept, service delivery and customer interface). In the future, digital technology innovation and convergence between industries are expected to further accelerate the collapse of the existing value chain, and the importance of smooth data flow among R&D planning, production, distribution and logistics, and end-user phases will also be increased. The spread of "Servitization" is creating a new value and competitiveness for companies through the convergence of products and services, and is now emerging as a differentiation point in the competitive technology environment. This implies that manufacturing companies can no longer win the competition simply by price and technological advantage, but must develop a service model that can provide new experiences and value to their customers. In the distribution and logistics process, it is important to deliver products and services at an appropriate price and at the desired time and place for consumers. For this reason, optimization of supply chain management such as efficient supply chain model, inventory management, and accurate sales forecasting becomes a major issue. The proportion of small and medium-sized firms is structurally high in Korean service industry, and effective policy measures are becoming essential. In line with the recent rapid development of the Fourth Industrial Revolution, the government should focus on institutional improvements including preemptive regulatory reform and place priority on building industrial ecosystems, thereby encouraging the development of innovative services in the private sector. In addition, the government should support the development and commercialization of technologies to create new industries in the service sector by providing opportunities for pilot projects and strengthen its policy support for overseas market expansion, data distribution and technology cooperation ecosystem.
김석관(Seok-Kwan Kim),최병삼(Byong-Sam Choi),양희태(Hee Tae Yang),장필성(Pilseong Jang),손수정(Soo J. Sohn),장병열(Pyoung Yol Jang),이제영(Jei Young Lee),김승현(SeungHyun Kim),이다은(Daeun Lee),김단비(Danbi Kim),송성수(Sungsoo Song) 과학기술정책연구원 2017 정책연구 Vol.- No.-
Since the ’Fourth Industrial Revolution’ was first introduced in January 2016, this new term has been rapidly adopted by the Korean policy scene and the public. But the doubts and conceptual controversies about its reality persisted for last two years. The purpose of this study is to examine the feasibility of the 4th Industrial Revolution and to lay the foundations for the related policy discussions to be made on a more sound theoretical and conceptual basis through the following works. First, we found the conditions for the establishment of industrial revolution from the history of industrial revolutions. Second, we redefined the technological drivers of the Fourth Industrial Revolution from recent phenomena. Third, we made an outlook at what kind of industrial change this technological driver will bring and judged whether it would be a new industrial revolution. Fourth, policy implications for the response of the Fourth Industrial Revolution are derived from the understanding of the process of industrial change. Through this work, we have come to the conclusion that we are open to the possibility that a new industrial revolution will come, but this has to be confirmed through increased productivity, and in that case it is more appropriate to call it third industrial revolution rather than fourth one. Based on the observation that there are two types of fourth industrial revolution, we conclude that the most important challenge that the fourth industrial revolution bring to Korea will be institutional innovation. In addition, 5 innovation policy agenda for accelerating digital transformation are proposed: mitigation of entry regulation, expanding data infrastructure, enhancing entrepreneurial ecosystem, launching the }R&D New Deal’, and developing SW talents.
Technological changes have been major factors triggering drastic changes of industrial landscapes. Emerging technologies have double-sided potentials to incumbent firms: they can be winner and also be looser. We developed a common framework to foresight the impacts on industrial structure of emerging technologies and applied it to 4 emerging technology areas: cognitive computing, 3D printing, internet of things, fintech. In each cases, we studied technological trends, changes of products, processes, services and business models, and structural changes of industrial landscapes. And we also examined main drivers and constraints moderating these changes. On the basis of these analysis, we suggest some policy recommendations and theoretical implications.