The Critical Success Factors of Internet Banks and Considerable Points When Introducing into Domestic Markets

인터넷전문은행의 성공요인과 국내 도입시 고려요인에 관한 다중사례 연구

  • 조동환 (진주산업대학교 벤처경영학과) ;
  • 이호근 (연세대학교 경영학과)
  • Published : 2009.12.28


Special banks primarily using Internet have different properties in transactions with customers, risk management, capital strength, and branch networks with general banks. The success and failure factors of Internet banks have been explained only by the economies of scale, and learning and experience effects of Internet banks based on the perspective of organizational ecologies. In this study, the success factors of Internet banks are investigated based on strategic choice by organizations and resource-based view of the firms instead of organizational ecology perspective. To this end, 31 major Internet banks operating in overseas market have been classified by the size and profitability of banks, and three strategic groups have been derived. three representative company cases were analyzed. critical success factors of Internet banks were derived, and considerable points when operating Internet banks were discussed.


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