• The Journal of Society for e-Business Studies
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• v.19 no.3
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• pp.1-21
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• 2014

Personal information is a requisite for financial transactions as well as a core asset of financial companies. However, as a side effect of the information society, personal information infringements have emerged as significant social risks, causing realized loss to individuals and companies. This study analyzes results of financial and emotional loss in terms of consumer loss and also presents usefulness of insurance in order to minimize such actual damages as a means of risk transfer. In addition, this study investigates components and premium calculation principles of compensation insurance against personal information invasion and finally presents policies to activate these insurance product. As a method of risk management, insurance not only is a useful tool to guarantee consumer protection and companies' financial soundness simultaneously but also provides a basis of quantitative measurement of IT risks.

• Informatization Policy
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• v.20 no.3
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• pp.63-85
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• 2013

Drawing on Protection Motivation Theory(PMT), this study attempts to clarify antecedents that influence the intention to protect individuals' privacy on the Internet. Protection motivation forms through individuals' cognitive appeal involving threat and efficacy. Then protection motivation causes privacy behavioral change. Protection motivation factors are established privacy trust and privacy risk, which are related to privacy attitude and belief. This proposed model is empirically analyzed by utilizing structural equation analysis(SEM). According to the result of the empirical analysis, it is founded that almost paths have statistically significant explanatory power except path from efficacy to privacy risk and path from privacy trust to privacy behavioral intention. This study shows powerful evidence of antecedent factors based on protection motivation of individuals' privacy behavioral intention in online environment.

• Korean Security Journal
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• no.48
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• pp.177-206
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• 2016

The purpose of this study is to verify the factors that affect the fear of crime by applying the risk interpretation model. Especially, whereas previous studies have not proven micro individual factor that the risk interpretation model had presented, This study includes micro individual elements such as neighborhood factor, perceived risk of crime, fears of crime as main variables. This study utilized secondary data of the National Crime Victimization Survey 2012, conducted by the Korean Institute of Criminology. In this study, multiple regression analysis of two stages and Sobel Test were conducted for verifying the individual influence of each independent variables and identifying the causal relationship between the variables set out in the risk analysis model. As the result, it appeared that the higher level of perceived risk of crime, neighborhood factor, crime experience, education, income cause the higher degree of the fear of crime. On the other hand, the lower degree of age was found to induce the higher level of the fear of crime. In addition, female showed the higher degree of the fear of crime than man. The causal relationship between the variables set out in the risk interpretation model was presented significantly in all variables, except for education.

• Journal of Korea Society of Industrial Information Systems
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• v.22 no.1
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• pp.105-116
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• 2017

In this Paper, We Empirically Investigated what kind of Risks Exist that Drive high Failure rate of cloud Services, and whether Perception of such risks leads to the Adoption of the Abandonment Option of cloud Services. Such risk Perception is the Individual-level Factor, and we Empirically Tested whether Organizational Contexts such as CEO's Innovativeness and Dandwagon Effect can Moderate the Positive Effects of such Individual-level Risk Perception on the Adoption of Abandonment option. We Collected Survey data from IT Professionals Working for the Small and Medium-sized Companies near Seoul and found that the Perceived Technical Risk and Economic Risk Influence the Adoption of Abandonment Option. Out of two Organizational Contexts, only CEO's Innovativeness Moderates the Positive Influence of Technical Risk on the Adoption of Abandonment Option. Organizational Factors Demonstrated very Limited Moderation Effect on the Influence of Individual-level Perception of Cloud Service Risk on the Adoption of Abandonment Option.

• Proceedings of the Korea Information Processing Society Conference
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• 2022.05a
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• pp.225-228
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• 2022

중고 거래 플랫폼 사용이 증가함에 따라 각 중고 거래 플랫폼에 많은 사진과 글이 업로드되고 있다. 플랫폼에 올린 사진과 글을 통해 일차적으로 해당 이용자의 나이대, 사는 동네, 가족 관계, 신체 사이즈, 특정 제품 취향을 알 수 있다. 중고 거래 플랫폼에서 전화번호를 얻게 될 경우, 이차적으로 카카오톡을 통해 이용자의 얼굴 사진, 연동된 계정을 알 수 있다. 이때 얻은 얼굴 정보와 이름, 계정을 통해 인스타그램, 카카오스토리, 페이스북 등 SNS 를 통한 해당 이용자의 추가적인 개인정보들을 얻을 수 있다. 이처럼 이용자가 작성한 글을 통해 사적인 정보가 드러남으로써 심각한 개인정보 유출로 이어질 수 있다. 중고 거래 플랫폼 이용자의 직접적인 입력으로 인한 개인정보 노출을 예방하기 위해서는 이용자에게 게시물에 포함된 개인정보와 개인정보 유출의 위험성을 인지시켜 유출 위험성이 높은 개인정보는 게시하지 않도록 해야 한다. 본 논문에서는 중고 거래 판매 게시물 기반 개인정보 유출 워크플로우를 작성하여 중고 거래 플랫폼에서 나타나는 개인정보 유출의 현황을 분석하고 이를 방지하기 위한 방법을 제안했다.

• Proceedings of KHEA Conference
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• 2004.04a
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• pp.187-187
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• 2004

• Proceedings of the Korea Society of Information Technology Applications Conference
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• 2007.05a
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• pp.190-197
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• 2007

외환위기 이후 우리나라 금융기관은 상대적으로 위험성이 높은 기업대출보다, 높은 수익성을 가지는 가계 대출에 관심을 기울이게 되었다. 가계대출이 증가함에 따라 개인신용평가의 중요성이 부각되고, 이에 많은 신용평가시스템이 개발되어 왔다. 하지만 기존의 신용평가시스템은 대출 신청 당시의 데이터 및 과거의 데이터를 가지고 개인의 신용을 평가하기 때문에, 미래 상황에 대한 예측은 고려하지 못한다. 시스템 다이나믹스는 시간의 흐름에 따른 각 요인의 변화를 살펴봄으로써 미래 상황에 대한 예측이 가능한 분석 방법이다. 이에 본 연구에서는 시스템 다이나믹스 방법론을 활용하여 개인 신용 상태에 대한 미래의 동태적인 변화를 예측하여, 그 결과를 반영한 신용평가모델을 개발하고자 한다. 이를 위하여, 먼저 신용평점 영향을 주는 변수들을 선정하고, 이 변수들 간의 인과관계를 밝혀낸 후, 인과관계를 토대로 분석 모델을 구축한 뒤, 컴퓨터 시뮬레이션을 실행함으로써, 대출 희망자의 미래의 신용상태 변화 모양을 예측해 본다. 이러한 시뮬레이션 결과를 신용평가에 반영하게 되면, 금융기관의 신용 대출의 위험을 줄이는 데 기여할 것으로 기대된다.

• Digital Contents
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• no.6 s.157
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• pp.101-103
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• 2006

인터넷의 발달은 현대사회의 정보문화발달에 크게 이바지했지만 ‘ 정보화의역기능’이라는 새로운 문제점을 노출시켰다. 정보화의 역기능 중 대표적인 것으로 ‘개인정보유출’을 들 수 있는데 타인의 개인정보 도용문제는 이미 위험수위에 도달했다. 이러한 개인정보유출이 문제가 되는 이유는 단순한 도용에서 그치는 것이 아니라 정신적 피해, 재산적 피해 등 심각한 범죄까지 동반한 경우가 빈번하게 발생하기 때문이다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.5
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• pp.1205-1219
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• 2019

As the ability to use data becomes competitive power in the data-driven economy, the effort to create economic value by using personal data is emphasized as much as to protect personal data. EU's PSD2(the second Payment Service directive) became the initiative of the Open Banking trends all over the world, as it is the Mydata policy which protects the data subject's right by empowering the subject to control over the personal data with the right to data portability and promotes personal data usages and transfer. Korean government is now fast adopting EU's PSD2 in financial sector, but there is growing concerns in personal data abuse and misuse, and data breach. This study analyzes domestic financial Mydata policy in comparison with EU's PSD2 and focus on Personal information life-cycle risks of financial Mydata policy. Some suggestions on how to promote personal information and privacy in domestic financial Mydata Policy will be given.

• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.22 no.6
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• pp.92-101
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• 2023

The increasing use of personal mobility has led to a rise in traffic accidents and social issues. Consequently, the government is continually revising laws and regulations to address the problems associated with personal mobility. This study conducted a survey that reflects user characteristics and public perceptions based on the law revised in May 2021. The personal characteristics, legal awareness, usage patterns, risk characteristics, and risk factors were analyzed. The analysis indicated that driving on roads without separate sidewalks, speeding, and carrying passengers are hazardous practices. Moreover, Poor awareness of the legal framework governing personal mobility results in law violations. These results are significant as they highlight the need for policy measures regarding institutional and legal improvements, and they underscore the importance of enhancing social awareness about safety as personal mobility become more widespread.