텍스트마이닝 분석기법을 활용한 AI 기반 금융서비스에 관한 특성요인 분석 연구

• 영문명: A Study on the Characteristic Factors of AI-Based Financial Services Using Text Mining Techniques
• 발행기관: 한국IT서비스학회
• 저자명: 이석호(Seok Ho Lee) 장항배(Hang Bae Chang)
• 간행물 정보: 『한국IT서비스학회지』제24권 제5호, 137~156쪽, 전체 20쪽
• 주제분류: 경제경영 > 경영학
• 파일형태: PDF
• 발행일자: 2025.10.30

국문 초록

This study identifies the core quality characteristics of AI‑based financial services and analyzes them through the lens of the Information Systems Success Model (ISSM), which comprises system quality, information quality, and service quality. To this end, 150 academic papers and 318 news articles were collected and preprocessed, and a combination of LDA, BERTopic, and CONCOR was used to extract major quality attributes, which were then classified in relation to the features of intelligent financial platforms. The results indicate that AI services emphasize personalization grounded in usefulness, creativity, and interactivity, highlighting cognitive and affective user experience. Financial services are characterized by trust, accessibility, and empathy, particularly in non‑face‑to‑face channels and in the inclusion of digitally marginalized users. IT systems exhibit practicality, integration, and ease of use, underscoring interface design and technical reliability. Digital financial services, as a layered integration of these three domains, require strategies that balance technological trustworthiness with user‑centered trust. Academically, this study presents an integrated classification that systematically maps the three ISSM quality dimensions to the outputs of LDA, BERTopic, and CONCOR, thereby clarifying the conceptual foundations of quality research on AI‑based financial services. Practically, it prioritizes key quality factors trust, explainability, accuracy, accessibility, UX, and responsiveness and proposes design directions focused on non‑face‑to‑face channels, inclusion of vulnerable user groups, and enhanced transaction stability and security, offering actionable guidance for service strategy and quality improvement.

목차

1. 서론

2. 이론적 배경

3. 연구방법

4. 연구결과

5. 결론

참고문헌

키워드

Artificial Intelligence Financial Service IT System Text Mining LDA BERTopic Concor Inofrmation System Succcess Model