은행, 투자, 부동산, 통신, 결제, 헬스케어 등 모든 서비스를 하나의 앱에서 내 맘대로 사용할 수 있다면? 비즈니스 경계를 허무는 혁신이 이제 슈퍼앱이라는 화두로 다가오고 있습니다. 슈퍼앱의 개념과 갖춰야 할 조건들을 살펴보고, 국내에서는 어떤 슈퍼앱들이 우리의 생활을 이롭게 하고 있는지를 KB와 컬리페이의 사례를 통해 알아봅니다.

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S E O U L | M A Y 3 , 2 0 2 3

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:
,
AWS KB
CTO
Kurly Pay

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KB ,
, !
Agenda

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© 2023, Amazon Web Services, Inc. or its affiliates. All rights reserved.

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Gartner 2023 10
(Optimize) (Scale) (Pioneer)
1
2
3 AI ,
4
5
6
7 (Superapps)
8 AI
9
10
Source: Gartner

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슈퍼앱은 사용자가 필요에 따라 사용하고 제거할 수 있는 다양한 구성 요소 도구가 있는
스위스 군용 칼과 같습니다. 슈퍼앱이 유행하는 이유는 사용자, 특히 스마트폰 시대에
태어난 젊은 세대가 강력하고 사용하기 쉬운 모바일 퍼스트 경험을 요구하기 때문입니다.
ChatGPT
Gartner
“
.
.
“
”
”

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국가 앱 주요 서비스
중국
메세징, 소셜네트워킹, 디지털 결제, 티켓예매, 차량호출, 음식배달, 게임, 비즈니스 채널
디지털 결제, 금융서비스, 차량호출, 티켓예매, 음식배달, 기부
인도 디지털 결제, 금융서비스, 차량호출, 음악
일본 메세징, 디지털 결제, 뉴스, 만화 연재
한국 메세징, 소셜 네트워킹, 게임, 디지털 결제, 쇼핑
동남 아시아
차량공유, 음식배달, 디지털 결제
차량공유, 음식배달, 디지털 결제, 생활 밀접 서비스

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Source: PwC

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•
•
•
•
• ,
•
•

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Source: Gartner
Apps
미니앱의 사용자 검색 및 활성화
미니앱을 위한
설계 및 개발 프레임워크
미니앱 생태계를 위한
메커니즘
슈퍼앱과 미니앱 간의
데이터 공유
퍼앱은 서비스, 기 능 을 단일 사용자 인터페이스로 통 합 하 는
복합 애플리케이션 또는 포털 그 이상입니다.

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Amazon DataZone
Amazon
DataZone

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Amazon DataZone
, ,
, ,
Amazon DataZone
Data portal
Governance and access control
3
4
Business
data catalog
1 Data projects 2
Domains
APIs

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© 2023, Amazon Web Services, Inc. or its affiliates. All rights reserved.

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KB

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KB
Wallet
/
KB

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KB
·
C
Pay
KB Wallet

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KB
9AM
12PM
2PM
7PM
8PM
9PM
10PM
3T*
/
KB Pay
Easy /
KB
* Traffic, Time-sharing, Transaction

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KB-AWS
KB국민은행 KB국민카드 KB캐피탈 KB손해보험
Future Contact Center
AI Callbot/Chatbot
MLOps Analytics Platforms
(MyData/AIOp..)
Innovation
Sandbox
KB Wisenet
KB One Cloud “P Region” on AWS
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KB KB Pay

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© 2023, Amazon Web Services, Inc. or its affiliates. All rights reserved.
, !
CTO

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, !
, !

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, !
(PLCC) !
UP
( /
)

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, Seamless
, ~
+ ⍺

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?
(Monolithic) ? NO!!
MSA DDD !

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Shell Library Pattern with Nx and Mono-Repo Architectures
Booking
Desktop
App
Multi-Repo Mono-Repo
GIT
Project
GIT
Project 1
Project 2
Project 3
Project 1
Project 2
Project 3
GIT
GIT
GIT
Monolith
Booking
Web
App
Booking
Mobile
App
Booking Feature Shell
feature-flight-search
feature-passenger-info
feature-seat-listing
Booking sub-domain
Shared/Seatmap
sub-domain

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AWS
• Apollo for GraphQL
• Next.js for SEO
• Cloud Front for Caching
• :
EKS, MSK
AWS Cloud
Amazon
CloudFront
S3 buckets
Front-end layer
Amazon EKS
(Apollo server)
Amazon EKS
(Next.js)
Amazon
EKS
Back-end layer
Apollo
Client
AWS !
Amazon
MSK

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!

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: ,
,
!
KB ,

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감사합니다
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