참고문헌
- digital natives
- digital immigrants
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- C. Skinner, Digital Bank, The Financial Serices Club, 2013.
- Banking is essential, banks are not.
- B. King, "The Finance Sector Gets a Start-Up Overhaul in 2011," Huffington Post, 2010. http://www.huffingtonpost.com/brett-king/the-finance-sector-gets-a_b_802175.html
- 노상규, "핀테크, 금융시장의 해체이자 네트워크 혁명," 이슈, pp. 32, 2015년 4월호.
- 김형중, "'핀테크'에 주목하자," 디지털타임즈, 2014. 11. 23.
- J. Rifkin, The Zero Marginal Cost Society: The Internet of Things, the Collaborative Commons, and the Eclipse of Capitalism, Palgrave MacMillan, 2014,
- GSM Association, The Mobile Economy 2015, 2015.
- I. Mbiti and D. N. Weil, Mobile Banking: The Impact of M-PESA in Kenya, Working Paper 17129, National Bureau of Economic Research, 2011.
- http://www.postbank.co.ke/whoweare.php
- K. Rangan and K. Lee, "Mobile banking for the unbanked," Harvard Business School Case 9-511-049, 2011.
- 함유근, 윤영수, 강한수, 김진성, "새로운 IT 서비스 모델, 클라우드 비즈니스 모델: M-Pesa 사례 분석," 한국IT서비스학회지, 11권 3호, pp. 287-304, 2012. https://doi.org/10.9716/KITS.2012.11.3.287
- Kenya Post and Telecommunication Corporation
- http://www.africantelecomsnews.com/resources/AfricaOpp_Kenya.shtml
- Mas, I. and D. Radcliffe, "Mobile Payments Go Viral : M-PESA in Kenya," World Bank, 2010.
- http://www.cgap.org/blog/10-things-you-thoughtyou-knew-about-m-pesa
- 함유근, 윤영수, 강한수, 김진성, "새로운 IT 서비스 모델, 클라우드 비즈니스 모델: M-Pesa 사례 분석," 한국IT서비스학회지, 11권 3호, pp. 287-304, 2012. https://doi.org/10.9716/KITS.2012.11.3.287
- Mas, I. and D. Radcliffe, "Mobile Payments Go Viral : M-PESA in Kenya," World Bank, 2010.
- Central Bank of Kenya
- G, Chen, "bKash Bangladesh: What explains its fast start?," 2014. http://www.cgap.org/blog/bkash-bangladesh-what-explains-its-fast-start
- CCAP, bKash Bangladesh: A Fast Start for Mobile Financial Services, https://www.cgap.org/sites/default/files/Brief_bKash_Bangladesh_July_2014.pdf
- Return on Assets
- 박래수, "국내 은행산업의 수익성 제고 논의를 바라보며," 주간 하나금융포커스, pp. 1-3, 2015. 4. 13.
- 오정근, "저성장 시대, 수익성 악화되는 국내은행," 나라경제, pp. 84-85, 2013. 9.
- "The fight for the customer," Mckinsey Global Banking Annual Review, 2015. 9.
- 이재은, "맥킨지, 핀테크發 은행업 '고객 전쟁' 예고," 하나금융포커스, 5권 40호, pp. 10-11, 2015.
- "HSBC to cut 50,000 jobs, slash investment bank and shrink risk by $290 billion," The Economic Times, 2015. 6. 9.
- 김형중, "핀테크 육성, 규제부터 혁파하자," 디지털타임스, 2015. 5. 14.
- F. Partnoy, "The coming world of smaller banks," Financial Times, 2011. 8. 10.
- M. Andreessen, "Andreessen on finance: 'We can reinvent the entire thing'," 2014. http://www.bloomberg.com/news/articles/2014-10-07/andreessen-on-finance-we-can-reinvent-the-entire-thing
- C. Skinner, "Banks need to radically shake up and wake up," 2011. http://thefinanser.co.uk/fsclub/2011/08/banks-need-to-radically-shake-up-and-wake-up.html
- C. Skinner, Digital Bank, The Financial Serices Club, 2013.
- 현경민, 박종일, 김성진, 길진세, 박장배, 왜 지금 핀테크인가, 미래의창, 2015.
- 박희범, 경제학으로 본 비트코인: 비트코인의 미래는?, 2014.
- 핀테크(FinTech): 창조적 독점과 디지털 금융기술 혁신, http://slownews.kr/32306
- 현경민, 박종일, 김성진, 길진세, 박장배, 왜 지금 핀테크인가, 미래의창, 2015.
- E. Siegel, Predictive Analytics: The Power to Predict Who Will Click, Buy, Lie, or Die, John Wiley & Sons, 2013.
- Google Payment Limited
- Financial Conduct Authority
- 현경민, 박종일, 김성진, 길진세, 박장배, 왜 지금 핀테크인가, 미래의창, 2015.
- G. Wildau, "Tencent launches China's first online-only bank," 2015. http://www.ft.com/intl/cms/s/0/ccc5a6dc-9488-11e4-82c7-00144feabdc0.html#axzz3ovrp58vg
- 염지현, 이태경, "핀테크의 습격... 떨고 있는 그들?," 중앙일보, 2015. 10. 21.
- peer-to-peer lending
- Jumpstart Our Business Startups
- 중앙일보, 2015, http://news.joins.com/article/17097552
- http://media.daum.net/m/channel/view/media/20150831073103480
- http://news.inews24.com/php/news_view.php?g_menu=022400&g_serial=916631