• Journal of Information Technology Applications and Management
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• 제26권2호
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• pp.1-11
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• 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 As a result, financial settlement services, which were formerly face-to-face and PC-based, have now been replaced by mobile environments.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.

• 무역학회지
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• 제45권2호
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• pp.103-119
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• 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.

• 한국IT서비스학회지
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• 제15권2호
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• pp.185-201
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• 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.

• 한국IT서비스학회지
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• 제16권2호
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• pp.139-156
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• 2017

Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.

• 디지털융복합연구
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• 제14권7호
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• pp.373-383
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• 2016

모바일 시대와 핀테크에 맞물려 바이오 정보를 보안 방식으로 활용하는 바이오 인식 기술이 확산되고 있다. 특히 간편결제 서비스, 교통카드 대체, 바이오 인식 기술과 결합한 모바일 서비스가 확대되고 있다. 인증을 위한 기본 개념인 접근 제어, IA&A, OpenID, OAuth 1.0a, SSO와 생체인식기술들을 고찰하였으며, AIM의 응용 측면에서 보안 API 플랫폼을 위한 프로토콜 스택과 FIDO, SCIM, OAuth 2.0, JSON Identity Suite, OpenStack의 Keystone, 클라우드 기반의 SSO, AIM Agent 등의 기술을 세부적으로 묘사한다. 국내외 인증기술은 FIDO UAF(Universal Authentication Framework)와 U2F(Universal 2 Factor Framework) 연합 중심으로 기술개발 표준화 연구 활동을 가속화될 것이며, 본 연구에서는 최근 컴퓨팅 패러다임의 변화와 사회적 요구를 수용하기 위한 다양한 인증 기술의 동향과 AIM 프레임워크를 설계 및 기능을 정의하였다.

• Human Ecology Research
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• 제55권4호
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• pp.399-417
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• 2017

The recent globalization of the consumer market has highlighted the importance of a brand; subsequently, brand extension is strategically used to launch of various products and services. Especially, various and new services based on information and communication technology for the convenience of consumers have been provided continuously. This study examined consumer's evaluation for brand extension centered on the brand extension as a mobile payment service through consumer propensity and familiarity as well as attitude toward a brand. The research is as follows. First, it shows that self-efficacy and implicit theories among consumer characteristics positively influence familiarity and attitude toward a brand. Second, it shows that the planned consumption tendency among consumption characteristics of a consumer positively affect familiarity toward a brand. Third, it is confirmed that the brand extension on parents brand affects the attitude towards brand extension, and the attitude towards brand extension is connected to a willingness to recommend through the purchase intention. This study empirically confirms the importance of consumer propensity, the consumer's perception, and evaluation towards the brand extension of the company as well as the continuous efforts and required company activities to build and form a positive attitude and familiarity of consumers for the brand. This study can be used as basic data for the strategy development of brand extensions in service companies.

• 경영과정보연구
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• 제37권4호
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• pp.175-193
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• 2018

본 연구는 온라인 여행사(OTA) 이용 여행자들의 최초 선택 시 중요하게 고려하는 요인과 재방문 시에는 온라인 여행사 선택요인이 중요도에서 어떻게 차이가 있는지 살펴보고, 이용 만족도에 영향을 끼치는 선택요인을 분석하였으며 온라인 여행사(OTA)를 이용한 경험이 있거나 이용하고자 하는 여행자들의 온라인 여행사 선택에 영향을 끼치는 요인과 어떤 요인을 중요하게 생각하는지, 재방문 시에는 중요도에서 어떤 차이를 보이는지 살펴보고자 한다. 연구결과, 온라인여행사 최초 이용자와 재방문자 간의 재방문 시 선택속성 차이에 관한 검증 결과 "적극적인 컴플레인 해결태도, 변경 및 취소의 편리성, 티켓과 서류의 배송서비스, 컴플레인 제기 편리성, 서비스 보상제도, 최신정보의 갱신 신속성, 예약절차의 간편함, 과거 만족시켜 주었던 정도, 직원의 업무처리능력, 다양한 결제수단과 결제의 안전성, 오프라인 여행사와의 연계성"과 같은 서비스 환경 구축과 강화에 중점을 두어야 함을 시사하고 있었다. 또한 최초 방문시 선택속성별 온라인 여행사에 대한 만족도 분석 결과 선택요인이 만족도에 영향을 미치고 있으며, 그 중 컴플레인 제기 편리성, 잘아는 직원의 유무, 적극적인 컴플레인 해결태도와 같은 A/S 환경요인이 만족도에 공헌하는 것으로 나타났다. 불편민원 대응에 대한 적극적인 고객 서비스의식(Customer Satisfaction Mind)과 이용의 편리성 등 체계적인 서비스 구조를 원하고 있으며, 이는 온라인 여행사의 생존과 발전을 위한 필요한 마케팅 전략이라는 점을 시사하고 재방문 시 선택속성별 온라인여행사에 대한 만족도의 경우 최초 방문자를 표적시장으로 한 마케팅 집중전략이 유효하며, 이는 온라인여행사의 생존을 위한 필수 마케팅 추진전략의 일환(一環)이라는 점을 시사하고 있다.