• Electronics and Telecommunications Trends
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• v.27 no.6
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• pp.165-181
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• 2012

세계은행의 발표에 따르면 전 세계적으로 개인 간 해외송금 시장의 규모는 지속적으로 성장해 왔으며, 향후에도 지속적으로 성장할 것으로 전망된다. 이러한 글로벌 송금 시장의 확산과 맞물려 이동통신 네트워크의 글로벌화와 스마트폰의 확산 등 통신 기술 및 서비스 진화에 따라 모바일 네트워크를 통해 간편하고 신속하게 송금할 수 있는 모바일 송금 서비스 시장이 국내외에서 급속하게 팽창하고 있다. 이에 세계이동통신사업자협회(Global System for Mobile Communications Association: GSMA)의 MMT(Mobile Money Transfer) 프로그램, 케냐 및 일본의 모바일 송금 서비스 제공 사례를 중심으로 서비스 제공 시스템 및 그 이용에 따른 장 단점, 가치사슬, 서비스 유형 등을 간략하게 살펴보았다. 이를 바탕으로 모바일 송금 서비스 제공 과정에서 나타날 수 있는 규제 이슈들을 분석해 보았다. 그리고, 국내 이동통신 사업자가 MMT 서비스를 본격적으로 제공하는 경우에 고려해야 할 규제 요소들과 안전하고 효율적인 MMT 시장의 활성화를 위해 필요한 규제정책 방향을 검토해 보았다.

• Journal of Digital Convergence
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• v.20 no.1
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• pp.293-299
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• 2022

The purpose of study is to relieve the users' anxiety caused by the simplification of the easy money transfer service. With the development of technology, financial services are being simplified, but on the contrary, the chasm occurs. The study was conducted in two rounds. First, based on UTAUT, the perception of the service and the willingness to accept the technology were investigated through a questionnaire. Second, after presenting the tracking function of the remittance situation derived through the heuristic method, in-depth interviews were conducted on reliability and intention to continue using it. As the result, it was found that the clear feedback had a positive effect on relieving users' anxiety. It is expected that studies approaching the chasm from the point of view of design will be actively conducted.

• Information and Communications Magazine
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• v.34 no.3
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• pp.3-10
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• 2017

핀테크는 금융과 ICT기술을 결합한 새로운 형태의 금융서비스를 칭하는 용어로 글로벌 ICT 기업 또는 금융기관이 확보중인 폭넓은 사용자층을 기반으로 송금, 결제, 대출, 자산관리 등 다양한 금융서비스를 결합하여 제공하는 새로운 형태의 금융서비스를 말한다. 국내 핀테크의 경우 모바일 디바이스를 중심으로 한 간편결제 서비스가 핀테크 서비스 산업 중 큰 부분을 차지하고 있으며, 다양한 영역으로 확장하기 위한 연구가 활발히 진행되고 있다. 관련 정책 또한 2015년 6월 공인인증서 의무 사용 폐지 등 핀테크 산업을 활성화하기 위한 다양한 정책들이 발효되고 있지만, 많은 규제 등으로 인해 어려움을 겪고 있는 실정이다. 핀테크에 대한 국외 동향으로는 페이팔(Paypal), 알리페이(Alipay), 트랜스퍼와이즈(TransferWise) 등을 통해 알 수 있듯이, 모바일 디바이스만을 중심으로 한 간편결제 외에도 다양한 형태의 금융 결제 서비스를 제공하고 있으며, 다양한 형태의 핀테크 산업을 육성하기 위한 정책을 마련하고 있다. 본 고에서는 핀테크의 개념과 발전 배경 등에 대해 설명하고, 국내 외 핀테크 서비스 및 정책 동향에 대하여 분석하고, 마지막으로 국내 핀테크 서비스 발전 방향에 대하여 제안한다.

• Journal of Intelligence and Information Systems
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• v.28 no.4
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• pp.365-385
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• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• Informatization Policy
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• v.23 no.4
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• pp.59-75
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• 2016

In the era of convergence, more attention is paid to development of Fintech which attempts for innovation of the financial transaction paradigm through ICT. Proliferation of Fintech to engraft finance-related services on mobile and ICT is found in various fields such as loans, investment and asset management in addition to simple payment or remittance services but awareness of consumers regarding the matter is rather low. Therefore, it is the time to conduct a research on various Fintech businesses. This thesis conducted an empirical research from the viewpoint of consumers to investigate influence on continuous use intention of Fintech users. From the user environment perspective, it was found that influence of innovativeness on satisfaction was not statistically significant. In case of the product characteristics, perceived risk did not have statistical significance on satisfaction.

• The Journal of Information Systems
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• v.28 no.3
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• pp.59-81
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• 2019

Purpose The purpose of this study is to investigate the resistance factors interfering the acceptance factors of the mobile easy remittance service focusing on the switching cost and the innovation resistance model. Design/methodology/approach This study focuses on revealing the resistance factors of the mobile easy remittance service acceptance. The resistance factor is designed consisting both consumer characteristics and service characteristics in the Innovation Resistance Model. Furthermore, the effect of resistance factors on the innovation resistance and acceptance intentions were detected by moderating the switching cost. Findings According to the empirical analysis result, this study investigated the effect of resistance factors on innovation resistance and acceptance intention for the mobile easy remittance service. The results of this study as follows; (1) The consumer's inherent innovativeness did not significantly affect the innovation resistance and acceptance intention. (2) The attitude toward existing services and complexity significantly affected innovation resistance in direct manner, thus affecting the acceptance intention in indirect manner. (3) The perceived usefulness significantly affected both the innovation resistance and the acceptance intention in direct manner. (4) The perceived risk only effected the acceptance intention. (5) The switching cost had a moderating effect on the innovation resistance and acceptance intention.