빅데이터 기반의 핀테크서비스 모델의 변화 방향에 관한 연구

As the Fourth Industrial Revolution drives a new phase of globalization such as the development of ICT and the popularization of smartphones, creating IT intensive sectors based on a cross-sectional big data. The development of ICT leads to improved the Artificial Intelligence technologies, accelerating the development of FinTech services. In 2018, the EU applied ‘PSD2’, which is the right of private banking information for customers, indicating that a bank provides various customized financial services to consumers.
In this study, we deeply examine the concept and characteristics, the architecture and key technology of big data analytics, related cases, strengths of the banking industry, main Fin-technology in order to present the FinTech service environment based on big data as well as a change of direction.
This paper indicates that based on innovative technology from FinTech service such as AI startups positively provide differentiated and customized banking service as enhanced the availability under the digital fiance platform, P2P loan or Online asset management.
In particular, startups will contribute to enhancing the level of social benefits from using non-financial information big data because they could provide the middle interest rate loan which is designed by a new credit assessment model, and Online Asset Management Service based on Roboadvisor.