The Journal of Society for e-Business Studies (한국전자거래학회지)

Society for e-Business Studies (한국전자거래학회)
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Exploring Potential Application Industry for Fintech Technology by Expanding its Terminology: Network Analysis and Topic Modelling Approach

용어 확장을 통한 핀테크 기술 적용가능 산업의 탐색 :네트워크 분석 및 토픽 모델링 접근

  • Park, Mingyu (Seoul National University of Science and Technology) ;
  • Jeon, Byeongmin (Industrial Information System Engineering, Seoul National University of Science and Technology) ;
  • Kim, Jongwoo (Industrial Information System Engineering, Seoul National University of Science and Technology) ;
  • Geum, Youngjung (Dept. of Industrial & Systems Engineering, Seoul National University of Science and Technology)
  • Received : 2020.09.21
  • Accepted : 2021.02.16
  • Published : 2021.02.28
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Abstract

FinTech has been discussed as an important business area towards technology-driven financial innovation. The term fintech is a combination of finance and technology, which means ICT technology currently associated with all finance areas. The popularity of the fintech industry has significantly increased over time, with full investment and support for numerous startups. Therefore, both academia and practice tried to analyze the trend of the fintech area. Despite the fact, however, previous research has limitations in terms of collecting relevant databases for fintech and identifying proper application areas. In response, this study proposed a new method for analyzing the trend of Fintech fields by expanding Fintech's terminology and using network analysis and topic modeling. A new Fintech terminology list was created and a total of 18,341 patents were collected from USPTO for 10 years. The co-classification analysis and network analysis was conducted to identify the technological trends of patent classification. In addition, topic modeling was conducted to identify the trends of fintech in order to analyze the contents of fintech. This study is expected to help both managers and investors who want to be involved in technology-driven financial services seize new FinTech technology opportunities.

핀테크는 기술주도형 금융혁신을 위한 중요한 사업 영역으로 논의되어 왔다. 핀테크라는 용어는 금융과 기술의 합성어로, 현재 모든 금융 분야와 연계된 ICT 기술을 의미한다. 핀테크 산업에 관한 관심은 시간이 지날수록 크게 높아져 수많은 스타트업에 대한 전폭적인 투자와 지원이 이루어지고 있다. 이에 따라 학문적, 실무적 시점에서 핀테크 동향을 연구하려는 시도가 있어 왔다. 그러나 시장의 높은 관심에도 불구하고 기존 연구는 핀테크 기술에 대한 명확하고 체계적인 정의 및 확장 절차가 부족하였다. 이러한 이유로 핀테크 기술을 바탕으로 적절한 응용 분야를 파악하는 것 역시 한계가 존재하였다. 이에 본 연구는 세 가지 방식을 결합하여 핀테크 관련 용어를 확장하고, 네트워크 분석과 토픽 모델링을 활용해 핀테크 분야 동향을 분석하는 새로운 방법을 제안한다. 이를 위해 새로운 핀테크 용어목록을 생성하고, USPTO로부터 10년간 총 1만 8341건의 특허를 수집하였다. 수집된 특허를 바탕으로 Co-classification 분석과 네트워크 분석을 통해 핀테크 특허의 기술 동향을 파악하였고, 핀테크 도메인을 분석하기 위해 핀테크 트렌드를 파악하는 토픽 모델링을 실시하였다. 이번 연구는 기술주도형 금융서비스에 참여하고자 하는 경영자와 투자자가 핀테크 기술의 정의와 범위를 정확히 이해하고, 이를 바탕으로 핀테크 기술의 트렌드를 다각적으로 분석함으로써 새로운 핀테크 기술 기회를 포착하는 데 도움이 될 것으로 기대된다.

Keywords

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