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국내 핀테크 시장 사용자 경험에 따른 서비스 분석 -카카오페이와 네이버페이를 중심으로-

Evaluation for User Experience about Service of Fintech -Mainly with Analysis on 'Kakaopay' and 'Naverpay'-

  • 이윤정 (홍익대학교 국제디자인전문대학원 디지털미디어디자인전공) ;
  • 김승인 (홍익대학교 국제디자인전문대학원)
  • Lee, Yoon-Jeong (Dept. of Digital Media Design, Hongik University, International Design School for Advanced Studies) ;
  • Kim, Seung-In (Digital Media Design, Hongik University, International Design School for Advanced Studies)
  • 투고 : 2016.12.02
  • 심사 : 2017.04.20
  • 발행 : 2017.04.28

초록

본 연구는 국내 핀테크 서비스 중 간편결제 서비스의 선발주자인 카카오페이와 후발주자인 네이버페이를 중심으로 사용자 경험에 따른 서비스를 비교 분석하여 국내 간편결제 서비스의 발전을 모색하고자 하였다. 1차로는 문헌 연구를 통해 핀테크의 이론적 배경과 특징을 파악하고, 2차로 스티븐 앤더슨(Stephen Anderson)의 Creating Pleasurable interfaces Model 6가지를 재구성하여 설문 조사를 진행하였다. 그 결과, 카카오페이의 경우 가맹점의 부족으로 인한 범용성의 한계와 결제 취소, 오류 등으로 인한 신뢰성의 부족함이 나타났다. 네이버페이 또한 프로그램 결제 오류 등으로 인한 신뢰성 하락에 대한 개선 노력이 필요하였다. 본 연구를 바탕으로 국내 핀테크 시장의 사용자 경험 개선 방안을 위한 참고자료로 활용되어 국내 핀테크 산업의 활성화에 도움이 되길 바란다.

This study sought to improve the mobile easy payment services available in Korea by conducting a comparison analysis of Kakaopay, the front-runner of the mobile easy payment services in Korea's FinTech industry, compared to Naverpay, the relative newcomer in the industry. The services were compared by analysing users' experience. First, a literature review on the theoretical background of the FinTech and its characteristics was performed. Secondly, a survey created by reframing the six elements of the "Creating Pleasurable interfaces Model" by Stephen Anderson was conducted. In result, Kakaopay showed limited applicability caused by the lack of affiliated stores and it also showed the lack of reliability due to errors and cancellations related to the payments. It was shown that Naverpay also needs to make an effort to improve the reliability by minimizing errors in the use of the program and payments. This current study aimed to contribute as a resource which can be used, in the future, to improve the users' experience in FinTech services offered in Korea and also to invigorate the Fintech industry.

키워드

참고문헌

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