• Review of KIISC
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• v.20 no.6
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• pp.51-61
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• 2010

2009년 11 월 KT의 애플사의 스마트폰인 아이폰(i-phone)의 국내 도입과 함께 촉발된 국내 스마트폰시장의 확산은 2010년 구글을 중심으로 삼성전자, SKT등 기존 대기업들의 갤럭시폰을 비롯한 OS기반의 스마트폰을 선보이면서 스마트폰 가업자가 2010년 말까지 약 600만병에 이를 것으로 전망된다. 이러한 스마트폰의 확대와 함께 2009년말 기업, 하나은행 등 일부 은행들이 처음 스마트폰뱅킹을 시작한 이례 2010년 상반기, 이미 국내 대부분의 시중은행들이 아이폰용 iOS를 비롯한 주요 스마트폰의 OS 플랫폼을 기반으로 한 스마트폰뱅킹 서비스를 제공하고 있다. 그러나 금융산업의 특성상, 금융거래의 신뢰성과 안정성 측면에서의 개인정보보호 및 금융정보안과 관련한 법규가 채 정비되지 않은 가운데 국내 은행들은 스마트폰뱅킹 출시경쟁에 치중한 나머지 보안 및 개인정보보호에 대한 대책수립은 미흡하며 정부당국의 정보보호관련 지침에 의존, 고객의 자발적인 주의에 호소하고 있는 설정이다. 이처럼 스마트폰뱅킹의 도입이 활발히 진행되면서 금융 서비스 혁신 등 기술적 편의성외에도 개인정보보호를 위한 보안 및 법적 안정성의 중요성이 높아지고 있다. 본 논문은 국내 은행의 스마트폰뱅킹 현황과 고객정보보호 및 관리에 대한 법률적 고찰과 규제환경 변화를 중심으로 국내 은행의 스마트폰뱅킹 도입에 따른 고객정보보호 방안을 제시하고자 한다.

• Journal of Service Research and Studies
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• v.7 no.1
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• pp.65-82
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• 2017

This study is to examine the effects of high commitment HRM on service performance in the service industry, and to examine the mediating effect of the organizational internal innovation direction. Specifically, the direction of internal innovation consists of high-value-added HR and service and cost-reduction downsizing. We assumed that the high-value-added direction of HR and service will have a positive mediating effect. And assumed that cost-reduction downsizing direction has negative mediating effect. The data were collected from 2013 workplace panel survey(WPS) of the Korea Labor Institute(KLI). Among the 1,775 companies, 896 companies classified as wholesale and retail, transportation, professional scientific services, education services, health social services, financial services, and other services (such as information society support services) were extracted and used. In summary, high-commitment HRM has a positively significant effect on the direction of high value-added innovation of HR and services, and has a negatively significant effect on the cost-reduction downsizing direction. In addition, the direction of high value-added innovation of HR and service was positive effect on service performance, and cost-reduction downsizing innovation direction has a negative effect on service performance. And the direct effect of high commitment HRM on service performance has not been confirmed. However, we confirmed the positive mediating effect of high value-added innovation direction of HR and services, and confirmed that the negative mediating effect of cost-reduction downsizing. Therefore, it is confirmed that the two variables have a full mediating effect on the relationship between high commitment HRM and service performance.

• 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.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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• v.7 no.3
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• pp.1-9
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• 2017

Financial instruments are economic and intangible assets that bring financial company tremendous economic returns when it is a success. Also, It is necessary to protect this because it is a product of effort made by a lot of human resources and materials. However, legal and institutional devices for financial instruments are insufficient currently and 'copying practices' are rampant throughout the industry in korea. This ultimately inhibits the utility and welfare of consumers, but also adversely affects the competitiveness of the financial industry. In order to finance innovation that new financial products and services have appeared, it is necessary to grant the appropriate rights, such as intellectual property rights of financial instruments. And, there is a need for measures to protect it. Thus, this study proposed new way protecting the financial instruments through Intellectual property right. It is the introduction of similar protection system to financial instruments, such as mechanisms that protect database producers in copyright law.

• Journal of the Korea Society of Computer and Information
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• v.29 no.7
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• pp.117-128
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• 2024

In this paper, we propose a process for deriving priority tasks using the legal design technique in a situation where there is high uncertainty in the market and legal system regarding the commercialization of security tokens based on blockchain and distributed ledger technology. To issue and distribute securities tokens, we conducted a legal design workshop with participants who applied for innovative financial services (financial regulatory sandbox). During the workshop, participants harmonized their interests and deliberated on readiness, considering both legal and technical factors. The aim was to ascertain the feasibility of identifying prioritized objectives for future endeavors. The legal design technique facilitates consensus-building among stakeholders in an uncertain environment by confirming and adjusting differing perspectives and disagreements based on mutual understanding. The key stages include the empathetic process called "Family Therapy," the "N whys" for problem definition, and the speculative scenario design for problem-solving. This approach distinguishes itself from user-centered design thinking. Given the diverse stakeholders involved, effective facilitation by the facilitator is crucial during the legal design workshop preparation and execution.

• International Commerce and Information Review
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• v.4 no.2
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• pp.253-277
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• 2002

Nowaday, the advanced technology in information and communication has been leading the dramatic change of transaction paradigm expansion from physical basis to electronic one. As we know, financial services support most of financial exchange between two business parties. So the expansion of electronic transaction paradigm affects to every financial institutions which provide financial services. Thus, financial institutions have accepted e-Finance systems and providing internet financial services to live in the competition. The purpose of this study is to contribute the qualitative enhancement of its customer service, rapid diffusion and accurate strategy establishment for e-Finance industry in the user side. Through the literature review and factor and reliability analysis, this study selects six diffusion factors such as efficiency of perceived e-Finance, reliability and safety of e-Finance in perceived e-Finance itself's characteristic; confidence, technical factors and the customer service quality of e-Finance system in perception on e-Finance System; inclination to innovation in the personal characteristic. According to result of hypothesis verification by using logistics regression analysis, technical factors and the customer service quality of e-Finance system in perception on e-Finance System and inclination to innovation in the personal characteristic gave statistically positive effect to the diffusion decision at the significant level 0.05 and 0.01. However efficiency of perceived e-Finance, reliability and safety of e-Finance in perceived e-Finance itself's characteristic didn't affect to diffusion decision and confidence of e-Finance system in perception on e-Finance System didn't have any statistical significancy. This study can be used as a basic material for the forward empirical study of diffusion factors in the user side and be able to apply to company and government policy making or embodiment, determination for customer service quality degree of financial institutions. But this study has some limitations like didn't touch satisfaction factors and its effect, only deal domestic customers and didn't use multi-regression analysis.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.15 no.4
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• pp.25-31
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• 2015

FinTech(Financial Technology) is defined as the technique to create efficient financial services using IT technologies. FinTech is an innovative technology through IT platform and big data, and is expected to improve the security and problems of the conventional banking system. Domestic financial institutions has introduced the technologies and investment in order to provide safe and effective services to users. However, In the financial environment, information disclosure and security incident has occurred so they has lost the trust from their customers. Moreover new variant of the security threats and attack techniques have occurred. Therefore, in this paper, we designed a authentication scheme for secure payment system in FinTech environment. The proposed study evaluated the stability of the existing security systems with respect to attack methods occurred in the financial environment.

• The Journal of the Convergence on Culture Technology
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• v.3 no.2
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• pp.37-42
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• 2017

An internet primary bank, which is formed by internet and banks combined, is called the essence of fin-tech, and is currently experiencing rapid growth. 'K-Bank' and 'Kakao Bank', the representative internet primary banks this year, received positive responses as the origin of financial revolution. internet primary banks provide convenient financial services, benefits in time and money for customers. Not long ago, however, undesirable fraud cases caused by a used commodity dealer have happened. The damage exceeds 20,000,000 won. It is because the newborn banks are unable to check the fraud history through the bank account. In this paper, We will analyze the trend in internet primary banks, offer damages and examples, in addition, prevention of damage, and strategies for development.

• Journal of Digital Convergence
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• v.20 no.3
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• pp.181-189
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• 2022

The purpose of this study is to investigate the innovation of business model and the effectiveness of the data-driven model. the main concepts and policies related to the data economy are reviewed, and implications are drawn through the analysis of data-based convergence service creation cases. This study identified the existing data-driven business model of the creation of MyData service industry in the financial industry and concept of the data economy. According to the empirical analysis result, this study confirmed that t considering the mobile environment and consumer acceptance of data portability, the ripple effect of the implementation of My Data on the financial industry is expected to be significant.

• Journal of Digital Convergence
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• v.17 no.3
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• pp.73-78
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• 2019

Recently, there is a need to introduce a Korean-style restriction sandbox system that exempts or suspends existing regulations so that new products or services based on new technologies can be commercialized without restrictions. In response, the government reorganized the relevant statutes to promptly check regulations centering on four fields, including industrial convergence, ICT, FinTech, and regional innovation growth, and to allow experimental, proof and market releases by setting certain conditions(zone, period, scale, etc.). However, despite the same regulatory sandbox application, depending on the nature of the field applied, differences in application subject, whether application of regulatory specifics, system of push ahead decision-making and whether support of financial and taxation are shown. This research is intended to present efficient operation measures for successful settling of Korean-style regulation sandboxes by comparing and analyzing, centering on the Industrial Fusion Promotion Act in the Industrial Convergence Field, ICT field's Information and Communication Convergence Act, FinTech field's Financial Innovation Act and Regional Special Zone Act in the Regional Innovation and Growth Sector.