,

1.

2.

3.

4.

5.

6.

,

INDEX

| www.minwho.kr

,

| www.minwho.kr

1.

(Finance) (Technology) , IT

()

| www.minwho.kr

1.

(Finance)

(Technology)

4

| www.minwho.kr

1.

:

Fintech

Traditional

Fintech

( )

/IT

Emergent

Fintech

( )

5

,

| www.minwho.kr

2.

| www.minwho.kr

2.

()

7

,

| www.minwho.kr

3.

| www.minwho.kr

3.

9

| www.minwho.kr

3.

: (with LGCNS)

10

| www.minwho.kr

3.

:

(SE)

NFC

11

| www.minwho.kr

3.

:

MST

NFC

12

| www.minwho.kr

3.

2014.

3. 20.

2014.

4. 16.

2014.

7. 11.

,

2015.

3. 18.

2015.

6. 24.

13

37 ( )

( ) .

1

.

3.

| www.minwho.kr

:

4( )

3. 30

14

3.

| www.minwho.kr

:

37 ( ) ->

( ) .

1

.

4( ) ->

(2014. 4. 16. )

3. 30

15

3.

| www.minwho.kr

:

37( ) -> (2015. 3. 18. )

.

4( )

5( )

6( )

7( )

-> (2015. 9. 21. )

16

36 ( )

, .

3.

| www.minwho.kr

:

3( )

36 1

1 2 .

17

36 ( )

, .

3.

| www.minwho.kr

:

3( )

36 1

1 2 .

18

3.

| www.minwho.kr

19

3.

| www.minwho.kr

20

36 ( ) -> (2015. 6. 24. )

.

3.

| www.minwho.kr

:

3( ) -> (2015. 9. 21. )

36 1

.

21

3.

| www.minwho.kr

22

FDS()

Fraud Detection System , ( ,

, IP , )

3.

| www.minwho.kr

:

FDS

23

3.

| www.minwho.kr

:

24

3.

| www.minwho.kr

::

1.

2.

3.

4.

5.

25

:

3 ()

.

2 ()

1. ""

( "" ),

.

3.

| www.minwho.kr

::

26

: , , , , (2 3)

:28 (2 4)

/ (2 5)

,

3.

| www.minwho.kr

::

21 ,

7 38

27

3.

| www.minwho.kr

::

28

, ,

,

, ,

3.

| www.minwho.kr

::

: ,

29

9 ( )

.

1.

2.

3. 21

1

3.

| www.minwho.kr

::

30

3.

| www.minwho.kr

::

9 ( )

1

.

1.

2. ( 22 )

21

( ) .

31

2012 1 2014 7

51 49

(Regulation E) : 3

, (60)

: 13

, 50 ( 8)

3.

| www.minwho.kr

::

: ,

32

11 ( )

.

.

3.

| www.minwho.kr

::

33

,

| www.minwho.kr

4.

| www.minwho.kr

4.

TOSS()

35

| www.minwho.kr

4.

: TOSS()

A ()

B ()

(CMS)

36

| www.minwho.kr

4.

:

+

18

37

A ()

B ()

| www.minwho.kr

4.

:

:

38

1970~1980

2010. 4. , 1 100

2011. 7. NTT DoCoMo 1 45 1 50

4.

| www.minwho.kr

::

39

8 1 , ,

8 2 " "

, , ,

,

3 3

4.

| www.minwho.kr

::

40

(101 )

P2P

( )

2016. 3. 15. ,

, + ,

{1 3,000(360), 2 ( 2,400)}

3, 2

4.

| www.minwho.kr

::

41

,

| www.minwho.kr

5.

| www.minwho.kr

5.

(, 1994)

What ?

-

Why

-

-

-

-

-

- : ,

43

5.

| www.minwho.kr

(, 1994)

face-to-face

How ( )

44

() -> ?

-8 2 1 : 1,000 ( 250 )

-9

:

: 20 ( 200 )

EU : 500 ( 65 )

5.

| www.minwho.kr

(1)

: ,

45

()

-162 1: 4/100

: BHCA() 25%

:

20%

/ ( )

5.

| www.minwho.kr

(2)

: ,

46

-

-

-

- . , but

: //

- ( 2015. 6. 18.)

5.

| www.minwho.kr

(3)

47

,

| www.minwho.kr

6.

6.

| www.minwho.kr

()

(

)

( , )

,

49

| www.minwho.kr

6.

: the guardian

50