• The Journal of Information Systems
• /
• v.27 no.4
• /
• pp.203-227
• /
• 2018

Purpose The purpose of this study is to investigate which decision factors continue to use the service based on the online simple payment service. In this study, we will examine how to activate the service from the continuing factors through the dual-model theory consisting of personal dedication and constraint dedication which are frequently used in relation marketing. Design/methodology/approach In this study, we investigated the activation of online simple settlement service using factors affecting the preference of the simple payment service based on the dual-model of dedication-based mechanism and constraint-based mechanism. Findings This study confirmed that customer satisfaction and convenience under the dedication -based mechanism were found to be linked to the preference of the simple payment service. Switching cost under the constraint - based mechanism showed that the customer had no binding ability to continue using the service of the current provider. Likewise, preference was found to have a direct effect on the actual frequency of use of the simple payment service, the number of uses compared to the total number of online payments, and willingness to use more.

• The Journal of Information Systems
• /
• v.28 no.1
• /
• pp.155-181
• /
• 2019

Purpose As the mobile easy payment service grows fast, competition in the payment service market is getting stronger. On the other hand, there are few studies on the users' utilization results. Therefore, this study explains the continuous use intention of mobile easy payment Services based on PAM and value model. Design/methodology/approach This study proposed an extended model by integrating PAM, which is a representative model of continuous use intention in IS field, and value model of mobile field. Also this study empirically tested 298 users who have experience of mobile easy Payment service. The structural equation model was used to verify the research model and hypotheses. Findings According to the empirical analysis result, this study verifies that perceived usefulness and satisfaction were determinants of continuous use intention in mobile easy Payment services. Expectation confirmation has been proved to be a positive predictor of satisfaction and perceived usefulness. Also, among the value factors, perceived ease was not a valid predictor of satisfaction, and the remaining factors were positive predictors of satisfaction.

• 한국벤처창업학회:학술대회논문집
• /
• 2018.11a
• /
• pp.93-96
• /
• 2018

통계청 자료에 따르면 지난해 자영업 폐업률은 전년 대비 10.2% 포인트 높은 87.9%를 기록했다. 자영업 4개 업종인 도소매업, 음식, 숙박업은 지난해 48만 3985개가 새로 생겼으며 반면 42만 5203개가 문을 닫았다. 2018년 8월 통계청 자료에 따르면 온라인쇼핑 거래액은 전년 동월 대비 19.6% 증가했고, 모바일쇼핑 거래액도 모바일 이용 확산과 간편 결제 서비스 발전 등에 힘입어 전년 동월 대비 29.7% 증가하였다. 본 연구에서는 소매업인 온라인 쇼핑몰은 매년 20%대의 성장률을 보이고 있는 점에 주목해서 온라인 쇼핑몰의 매출 성과와 연관이 있는 방문 의도에 미치는 변수를 연구하고자 한다. 해마다 판매자가 증가하고 있는 온라인 쇼핑몰 업계는 치열한 경쟁과 늘어나는 마케팅 비용을 감당하지 못해 폐업의 수순을 밟고 있는 경우가 많다. 온라인쇼핑 운영자들이 하고 있는 대표적인 마케팅 방법인 블로그, 키워드 검색광고, SNS 채널 마케팅이 온라인 쇼핑몰의 방문 의도에 얼마나 영향을 미치고 있는지 연구 조사하고자 한다. 특히 온라인 쇼핑몰에 방문하는 사람들의 개인적 특성인 충동구매 성향, 다양성 추구 성향, 자기조절 성향을 조절 변수로 하여 개인 성향에 따라 각 독립변수들과의 방문 의도 상관관계를 알아보려 한다. 독립변수들이 방문 의도와의 관계를 실증 분석하여 온라인쇼핑몰의 준비하는 예비창업자나 기창업자들에게 보다 지속적인 기업성장과 매출성과에 도움이 되고자 한다.

• Journal of Information Technology Applications and Management
• /
• v.26 no.2
• /
• pp.1-11
• /
• 2019

Recently, mobile and smart devices are rapidly spreading. As a result, financial settlement services, which were formerly face-to-face and PC-based, have now been replaced by mobile environments. One of the business areas that utilize FinTech is focused on the easy payment services. The main purpose of this study is to analyze empirically the factors affecting the acceptance of the easy payment services. To achieve this purpose, we surveyed the individuals who have some understanding about the easy payment services. The collected 206 data were used for statistical analysis. The results of the hypotheses test using structural equation model are summarized as follows. First, performance expectancy, social influence, and security perceived by users of the easy payment services have positive influence on positive attitude, but effort expectancy does not. Second, facilitating conditions and positive attitude of easy payment services have positive effects on service adoption. Based on the results of the analysis, it provided meaningful implications for practitioners and researchers in related fields.

• Proceedings of the Korean Society of Computer Information Conference
• /
• 2021.07a
• /
• pp.203-204
• /
• 2021

본 논문에서는 OCR기술을 이용하여 나만의 소비패턴을 분석하는 어플을 제안한다. 현재 카드와 간편결제를 많이 쓰는 시대, 사람들은 소비 패턴을 쉽게 분석하고 알 수 없기 때문에 절약과 저축도 쉽게 못하고 있다. 따라서 OCR을 활용한 영수증 인식으로 소비 패턴을 분석하고 나의 소비 생활을 쉽게 알 수 있는 서비스를 통해 소비 문제가 개선될 것이라고 생각한다. 가계부의 핵심 기능은 수입/지출을 표기하는 것이다. 하지만 현재 상용 중인 소비 앱은 너무 많은 기능을 도입해 오히려 사용성이 떨어진다. 이를 해결하기 위해 복잡한 서비스는 빼고, 핵심 기능과 OCR 기능, 예산 관리, 포인트 제도, 카테고리별 지출 관리를 넣었다. 프로젝트의 대상은 평소 과도한 지출을 하는 사람과 자신의 소비를 기록하고 싶은 사람이며, 본 시스템에서 OCR을 이용해 소비시 발생하는 영수증을 인식하여 더욱 편리하게 입력할 수 있다. 또한, 비 계획적인 소비를 효율적으로 해결할 수 있으며, 포인트 제도를 이용해 사용자의 출석률 문제를 효율적으로 해결할 것으로 기대된다.

• Korea Trade Review
• /
• v.45 no.2
• /
• pp.103-119
• /
• 2020

As the easy payment service is popularized and the competition in the service market is fierce, research on factors affecting users' continuous use of the easy payment service is becoming increasingly important. However, in the existing studies, the discussion of the continuous intention to use the consumer's simple payment service has not been sufficiently conducted. Existing research remains on the way of listing technology and consumer characteristics. To bridge this research gap, this study aims to integrate and modify ECM and UTAUT to consider factors influencing the continuous use of easy payment services. The user's expectations and the confirmation were considered as important factors to decide. For empirical analysis, a survey was conducted for 236 users who had experience with domestic easy payment service. As a result, it was verified that confirmation, performance expectancy, effort expectancy, social influence, and habit in regard to easy payment services are important for continuous use intention. Through this study, it is expected that the consumer's technology acceptance mechanism on the continuous use of simple payment will be grasped in more detail to develop academic discussions in the field. Implications from the results as well as limitations of the study are presented.

• Journal of Internet Computing and Services
• /
• v.16 no.1
• /
• pp.9-20
• /
• 2015

Nowadays, Smart Wallet technology trend that is able to save users' consuming costs and also retain users' redundant behaviors such as Single-tapping, One-way communication, Integrated ID, has been issued in recent Mobile Industrial Fields. As one of Smart Wallet functions, Integrated ID is proposed for users' convenience, handiness, and immediate responses. It is designed for the effective management of users' IDs which are easy to be forgot because of its unusual structures. To be detail, instead of user, Integrated ID system can certificate users identification from various online sites (where user resisted) authorization requests via one-clicking, not putting identification data in each sites. So, this technology would be helpful much to a certain user who has lots ID and its Password in multiple Online shopping companies by establishing integrated ID. However, although Integrated ID has lots advantages to be used, most Mobile Service Companies has hesitated to apply Integrated ID service in their shopping systems because this technology requires them sharing their users' data. They have worried that this service would be not helpful to gain their profits. Furthermore, Users who join in multiple shopping companies and use Integrated ID services also are difficult to decide which company they have to save their points in before payment because this system could not show any financial benefit analysis data to their users. As following facts, via this paper majorly we propose the advanced Integrated ID system which concern shopping point management. Basically, this system has a strong security payment service and secure network services like other mobile Shopping systems. Additionally, this system is able to service (or to support) shopping -point -saving guide for customers' financial benefits and conveniences.

• The Journal of The Korea Institute of Intelligent Transport Systems
• /
• v.9 no.6
• /
• pp.1-12
• /
• 2010

The existing survey of the actual use relevant transportation, implemented in order to reflect transportation policy, has been performed for users by researcher directly, or thereby analysing the data of particular date-oriented of transportation card business's content so that such method have many problems. To solve such problem, we developed a new system, Interoperable Traffic Information Collection System which include several functions of effective collecting of transportation use-data created from the Nation-wide Interoperable Transportation System, accurate counting and easy inquiry. This system consists of Link-server to collect and count for transportation use-data, DB-server to store for this data and Inquiry terminal to search for the information needed. To verify for developed this system, we run test-bed by connection between this system and the Nation-wide Interoperable Transportation System developed by the KOREA Financial Telecommunications & Clearings, the KORAIL NETWORKS and the HiPlusCard. And through result of test-bed, we proved that Interoperable Traffic Information Collection System practically works well. Thus we can look for systematic reflect of reliable information.

• Journal of Information Technology Services
• /
• v.15 no.2
• /
• pp.185-201
• /
• 2016

Recently, due to the rapid development of IT (information technologies), a variety of attempts have been made to incorporate IT into other fields such as finance and manufacturing. Among them, a novel concept in the spotlight is FinTech, which is a combined word of finance and technology. FinTech is a line of business demonstrating an innovation development through IT in the financial service industry. One of the most popular types of FinTech is a third-party mobile payment service (MPS), the examples of which can be easily found in South Korea while the actual use of the service is relatively inactive. Therefore, the main purpose of this paper is to empirically investigate influencing factors of intention to use the third-party MPS. Based on individual characteristics and the task-technology fit model, the research model of the study is developed, with switching cost included as a moderating variable. The results of structural equation model testing with 316 potential users of Kakao Pay, one of the most popular business models of the third-party MPS, show that innate innovativeness, task characteristics, and technology characteristics are positively influencing task-technology fit, which in turn significantly affects intention to use the third-party MPS. The negative moderating role of switching cost is also found. These results could help managers develop better strategies to motivate potential users to participate in their services.

• KIPS Transactions on Software and Data Engineering
• /
• v.5 no.12
• /
• pp.671-676
• /
• 2016

Recently, according to the limelight of Fintech, simple payment using biometric at smartphone is widely used. In this paper, we propose a new contactless biometric method using thumb image without additional sensors unlike previous biometrics such as fingerprint, iris, and vein recognition. In our method, length, width, and skin texture information are used as features. For that, illumination normalization, skin region segmentation, size normalization and alignment procedures are sequentially performed from the captured thumb image. Then, correlation coefficient is calculated for similarity measurement. To analyze recognition accuracy, genuine and imposter matchings are performed. At result, we confirmed the FAR of 1.68% at the FRR of 1.55%. In here, because the distribution of imposter matching is almost normal distribution, our method has the advantage of low FAR. That is, because 0% FAR can be achieved at the FRR of 15%, the proposed method is enough to 1:1 matching for payment verification.