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학술저널

사이버 금융의 전략적 대안 모델

A framework for cyber finance strategic alternatives

Using the Web to reduce execution/service costs and reach customers broadly opens the gates for cyber finance. Cyber Finance, defined as producing, managing, and delivering electronic financial service or product, has been in widespread use for decade. For instance, electronic fund transfer has featured cyber finance for many years. In this paper we present a framework to analyze the strategies of cyber finance. Four strategic choices are identified. First, comprehensive producers are operating vertical portal and providing customers with their own products. They are global in nature. Their focus is on brand and provides a whole package of financial products. They are more like on-line universal bankers. Second, total solution providers emphasize customer values. They are customer-centric in nature. E-alliance is their major weapon to create customer values. Third, specialty manufacturers produce best-in-breed products. They posse low-cost, well-recognized, brand-name products. Sometimes they are marketing financial services with non-financial companies. Fourth, infrastructure providers help new and established companies develop the architecture and tools required to create and maintain web products and services. Application service providers(ASP) are included in infrastructure providers as they covey cyber finance solutions for Internet business.

Ⅰ. 사이버 금융의 정의와 유형

Ⅱ. 사이버 금융 서비스의 일반적 특징

Ⅲ. 사이버 금융 시장의 경쟁구조적 특징

Ⅳ. 사이버 금융의 전략적 대안

Ⅴ. 결론

참고문헌

Abstract

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