공지능과 로봇으로 대변되는 4차 산업혁명은 제조 산업 전반의 패러다임을 뒤흔들고 있습니다. 4차 산업혁명의 핵심은 정보통신기술을 활용한 공장과 제품의 지능화입니다. 제조 현장에서 엄청난 규모의 다양한 데이터가 생성되고 있으며, 빅데이터와 인공지능이 결합하여 생산성 향상, 품질 향상, 원가 절감 등에 활용되고 있습니다. 독일은 Industry 4.0 계획에 따라 자동차, 기계 등 제조업에 정보통신기술을 접목하여 모든 생산 공정, 조달 및 물류, 서비스까지 통합적으로 관리하는 스마트 팩토리를 구축하고 있습니다. 따라서 산업인공지능은 선택이 아닌 필수가 되었습니다. 이러한 시대의 조류에 뒤쳐지면 세계 시장에서 경쟁력을 잃고 도태될 것이 자명합니다. KAIST 산업및시스템공학과에서는 제조 및 서비스 도메인의 전문성과 인공지능 및 빅데이터 전문성을 결합하여 4차 산업혁명 시대를 선도하고자 본 센터를 설립하게 되었습니다. 산학연의 다양한 기관과의 협력을 통해 산업인공지능의 발전에 큰 공헌을 하게 되기를 기대합니다.
2016년 11월 센터장 이재길 교수
금융 최적화, 금융 공학
The future of wealth management industry lies on "enabling customized wealth management service for everyone". For instance, retirement pension plans, whose total size is as large as the national pension’s, has been shifting from Defined Benefit to Defined Contribution in recent decades. This implies that every individual has to in/directly manage his or her own retirement pension; it seems inevitable that those individual retirement pension managements will take one of the biggest parts in the financial industry. The worldwide record low interest rate along with the aging population further underscores the significance of establishing customized wealth management service at individual level for a sustainable life after retirement.
By the industry’s own nature, customized wealth management at an individual level tends to have a high marginal cost. At the moment, there is no organization who can actualize the customized wealth management at an individual level merely by reducing the marginal cost. Nevertheless, wealth management firms worldwide are fighting for the hegemony of this industry. Such fights are not only limited to the technological and industrial aspects, but also the regulative aspects. For example, Goldman Sachs merged a robo-advisor firm that expertizes in pension plan, China has been discussing a commencement of Defined Contribution pension, and U.S. department of labor legislated ‘Conflict of Interest Rule.’ This seems like a precious opportunity for Korean financial industry to extend its boarder to overseas because it has a competitive opportunity through technology not capital.
However, the competition is already on and such opportunities will not last long. Therefore, taking audacious initiatives is indispensable for the success. The technology for enabling the customized wealth management service for everyone is significant not only for the industrial influence but also for the secure life of nation’s aged population. Especially in Korea, the 48% poverty rate for old aged population reiterates the importance of such technologies. In conclusion, the winner of future wealth management industry will be the one who achieves a popularization of customized wealth management for everyone by lowering the service cost while improving the quality; this will be the "one who defines the business ecosystem and monopolizes the industry". This is only possible through the pre-emptive technological development. Therefore, the ultimate goal of this center is to develop technologies that enables the customized wealth management service for everyone.