6_은행은 어떻게 비즈니스를 확장하는가_JongWon Koh.pdf

은행은 어떻게 비즈니스를 확장하는가?

국내 시중은행의 주요 사례로 알아보는 신사업 확장 전략에 대해서 알아봅니다.

고종원 Financial Groups Leader, AWS

1. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
고종원
Financial Groups Leader
AWS
1
은행은어떻게
비즈니스를확장하는가?

2. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
고종원
Financial Groups Leader
AWS
2
은행은어떻게
비즈니스를확장하는가?
“AWS를활용하여”

3. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Agenda
5
현재은행업계트렌드와과제
AWS 기반비즈니스확장사례
•X: 세대확장:GenerationExpansion
•Y: 지역확장:Global Expansion
•Z: 신규비즈니스:혁신/부수업무/Pivot
실행로드맵과권장사항

4. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
은행의수익구조–이자vs 비이자?
6
•국내은행들의이익은
대부분이자수익
•해외대형은행들에비해
비이자이익의비중이
현저히낮음
•비즈니스영역확장,
비이자이익증대가중요
자료: 한국금융연구원연구보고서“국내은행의비이자이익확대방안: 국제비교및시사점”,2024

5. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.7
글로벌확장
(Global / Geo Expansion)
국내를넘어
북미/유럽/일본/아시아각국으로의
지점증설,신규서비스런칭,
인수등을통한시장확장
부수업무확장
(New /AncillaryBusiness)
혁신금융,부수업무
승인등을통하여은행고유업무외의
신규사업영역확대
세대확장
(Generation Expansion)
기존의주요고객군을넘어
미래의잠재고객발굴을통해
신규고객군확보
은행의비즈니스확장전략구분

6. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
3가지비즈니스확장전략을조금다르게생각해보면,
8
Y축:공간(글로벌확장)
X축:시간(세대확장)
Z축:업무(신규업무확장)

7. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
X축:Generation 확장
9

8. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.10
https://fortune.com/2025/08/08/gen-alpha-100-billion-spending-power-nike-roblox/

9. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Gen Alpha (알파세대)
11
•Fortune 지에따르면2010년생이후를
뜻하는미국의GenerationAlpha(알파
세대)의소비력은연간1000억달러를
넘어섰으며,이는불가리아의GDP에
맞먹는규모
•리테일/금융의잠재고객일뿐만
아니라현재로도이미그들은큰
고객군이되어있음.
2010년대이후출생한알파세대는새로운소비와금융고객군으로성장

10. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
잠재고객확보를위한경쟁–MZ 를넘어알파세대로
국내역시미래의금융고객을위한치열한경쟁중,특히은행과카드사와핀테크간의경쟁
12
https://marketin.edaily.co.kr/News/ReadE?newsId
=01722006642266008

11. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
하나은행–아이부자 on AWS
AWS 기반으로성공적인알파세대를위한서비스구축,운영중
13
© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
스스로용돈을관리하는것을시작으로,온/오프라인결제,저축,기부,소소한리워드까지
© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
2021.062022.122023.122025.03
아이부자런칭3년10개월
자녀사용자55%80만
132만170만
170만누적회원돌파
자녀사용자는’내이름이새겨진내카드를사용’부모사용자는자녀의용돈관리습관을관리하고,자녀와함께소통
친구끼리또는가족끼리누구나사용할수있는앱으로성장
© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
미성년자금융거래는안되는서비스가많았는데,아이부자에서는‘내이름이새겨진내카드로’온/오프라인결제도가능
“아이부자사용자특성상,유행에민감하고반응이빠르다.
그리고기존의은행고객과행동패턴도완전히다르다.
이에맞는유연하고빠른서비스개발과대응이필요했고
기반시스템도유연하고빠르게구축해야했다”
https://www.youtube.com/watch?v=Nj1eK6j6yVc

12. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
Y축:Global Expansion
14

13. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
글로벌데이터플랫폼
현재운영중인25개국에
추가로중남미4개
국가로의빠른신규
비즈니스진출을위해
글로벌데이터플랫폼을
AWS상에구축/운영
Marcus UK
골드만삭스가영국에
디지털뱅크서비스인
Marcus를단5개월만에
빠르게런칭함
글로벌비즈니스
거버넌스
Global Cloud
Services라는중앙집중식
거버넌스플랫폼을
구축하여글로벌비즈니스
혁신과비용절감을
동시에실현
BaaS 를통한동남아
시장진출
Nexus 라는BaaS
플랫폼을통해인도네시아
이커머스Bukalapak에
빠르게임베디드뱅킹
서비스제공
15
AWS 기반의글로벌비즈니스확장사례국내외은행의글로벌비즈니스확장

14. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
국내은행–해외지점/법인
16
북미/일본등의해외법인인터넷뱅킹AWS 기반운영사례

15. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.17
Challenge
&
How AWS
helps?

16. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.18

17. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
Z축:신규비즈니스확장
(혁신/부수업무)
19

18. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Capital One –Journey as a technology company
20
•Top 10 US bank
•가장혁신적이라평가받는미국의은행
중하나로,고객의디지털뱅킹경험에서
항상최상위평가를받고있음.
•자사의혁신여정에서의경험을바탕으로
기술기업으로의확장
은행의디지털여정에서의경험으로“Capital One Software”를설립하여,분석/보안/거버넌스서비스확장
https://www.youtube.com/watch?v=YHkueLxbSdM

19. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
현대카드TheUniverse
은행은아니지만…
21https://www.press9.kr/news/articleView.html?idxno=63713
 XD금?? ?y세à´"*???이??? &b À²(>á?S:8 ȳ
??x?폼이 ???x?고 ?를 XDÑà랫?의‘Ò8이비?니???
 X랫?의?´ ?플3로일?
금?? 어???Óy ÀÖ×X>?????
J: Â금?? 보(1$$ ? ( X ì1-$$ ? ?점y ( X? ?대
금게??$à~x알? 구법? ?r?비I 3"*????r1%*Òs3
로드? ?? ?? ??"* ÂÓ8행 ? 의??Òà어?로드 ????;E sÝ Â
?? ‡ðî×?위이드??
j
??x ¯ð7 ¹ »a
J: Âr,/3수??로드 ??로??x알??J: ????y이
를?? 의??"84KÐÄ3?알??Òâ À(;×???? ?이 ???
 XŽIÝx? ???폼r;>???대E\ » ¯sE5ý×생?를 ¯ð­
yJ?x?고 ?랫?의? IUUQTXXXGPSUVOFLPSFBDPLS

20. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
Z축:신규비즈니스확장
(BaaS / Embedded Banking)
22

21. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
우리은행–이음(E:UM)
BaaS (Banking-as-a-Service) 플랫폼으로금융서비스 API 제공
23
https://baas.wooribank.com/biz/main

22. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
KB 국민은행–스타플랫폼
비금융사에제공하는임베디드금융서비스
24
https://www.etnews.com/20240612000252
•맞춤형간편결제서비스브랜드PAY
•API(애플리케이션프로그래밍인터페이스)를제공해
개인사업자가간편결제서비스를쉽게구축 가능

23. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
Z축:신규비즈니스확장
(OTT / MVNO / 기타)
25

24. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
신한은행–땡겨요
상생금융,소상공인지원을통한소비자충성도강화,세대확장(GenAlpha+GenZ),비금융데이터축적
26
재?보I 3
wxç?보? ?
??대$à
‰ (£>}
8?전??
Oz?보??대
벌???
??니?u
https://www.mk.co.kr/news/economy/11401432

25. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
KB국민은행–리브모바일(MVNO)
국민은행계좌와연동,2030젊은세대들에대한락인효과및데이터기반고객대응전략
27
통신사별만족도는리브모바일이
726점으로단독1위를차지했다.
22년하반기이후8반기(4년) 연속
1위기록이다. 전기(‘24년하반기)
대비7점상승해2위와의차이를
다시20점이상으로벌렸다[그림].
https://www.consumerinsight.co.kr/boardView?no=3730&id=ins02_list&PageNo=1&schFlag=1&viewFlag=1

26. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
고객에대한이해도를높이기위한결합데이터
28
https://www.ddaily.co.kr/page/view/2025042122590415076
김민기한국과학기술원(KAIST) 교수는지난해11월한국통신사업자연합회(KTOA) 주최
행사에서“금융사는알뜰폰사업에직접뛰어들면서기존통신사와협업없이소비자와
접점을확보하게된것”이라며“금융사는금리우대쿠폰등혜택을제공함으로써이용자를
멤버십으로묶어둘수있고, 그에따라고객을이해할수있는다양한데이터를얻을수
있다”고분석했다.

27. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.
비금융서비스로의확장은”데이터”
기반의시너지고려가필수적
29

28. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.30
글로벌확장
(Global / Geo Expansion)
AWS Global Infrastructure
현지규제대응지원
부수업무확장
(New /AncillaryBusiness)
비금융데이터와금융데이터를
결합하여분석할수있는분석플랫폼
세대확장
(Generation Expansion)
빠르고유연한고객서비스를개발
가능하게하는Cloud
은행의비즈니스확장전략–AWS가함께합니다

29. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Let’s push
the limits
of possible

30. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
가능성의한계를
“함께”넓히겠습니다

31. © 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Thank you!
© 2025, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Confidential and Trademark.