• Journal of Internet of Things and Convergence
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• v.9 no.3
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• pp.99-111
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• 2023

The purpose of this study is to identify the difficulties in business implementation that blockchain suppliers are experiencing, and to suggest ways to promote blockchain technology by solving them. First, industrial surveys of blockchain supply companies were collected. Next, a survey was conducted to confirm whether financial service users intend to use blockchain technology. The research results are as follows. First, in user characteristics, usefulness and innovation were found to have an effect on intention to use. In the technical characteristics, suitability and reliability were found to affect the intention to use. Second, in user characteristics, usefulness and innovativeness were found to affect the intention to use by mediating promotion conditions. In the technical characteristics, suitability and reliability were found to affect the intention to use by mediating the promotion conditions. Third, it was found that the new technology environment modulates the effect of ubiquity and innovativeness on the intention to use. The new technology environment was found to moderate the impact of security on intention to use. Fourth, it was found that the organizational environment moderates the effect of security and suitability on the intention to use. A plan to solve the difficulties of these blockchain suppliers and a plan to promote blockchain-based financial services are presented.

• The Journal of the Korea Contents Association
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• v.20 no.12
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• pp.492-497
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• 2020

Today, banks around the world are making great efforts to adapt to the rapidly changing internal and external environment changes caused by the development of IT technology and to gain a competitive advantage in the market. In particular, in line with the rapid growth of smartphone usage, financial services are also provided in a variety of ways using Fintech, and one of the fastest growing areas is mobile simple payment. Mobile payment service is a financial service that pays the purchase price using a portable mobile device. As fintech, a convergence of financial services and information technology, it is recently used not only in financial services, but also in various industries. It is used in all fields where payment functions such as distribution are available. In the case of mobile cards, it shows that the usage rate of people in their 20s and 30s is increasing very much, so it can be said that the use of mobile payment services will continue to increase in the coming future. We know that simple payments are being used. However, it can be said that the research on the use of mobile payment services by these teenagers is somewhat incomplete. Therefore, this study investigated what factors are important for Korean teenagers to use mobile payment services. As a result, among the five hypotheses presented in this study, all hypotheses were adopted except for , which states that cash usage habits have no effect on innovation.

• The Journal of Society for e-Business Studies
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• v.20 no.4
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• pp.77-102
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• 2015

FinTech service industry has been growing rapidly around the world. It has driven innovation in financial and payment service industry with different channels such as mobile based on Information and Communications Technology (ICT). However, FinTech service is vulnerable to different security threats due to use the valuable data such as personal information and financial information. It is undeniable that collection and use of those information may increase the possibility of identity theft or privacy breach. In this paper will develop a self-checklist for the Simple Payment service users (Privacy Pragmatists) who want to make a rational decision to protect their personal information. The checklist is going to let the users assess the personal information protection by performing the assessment themself when they use the service. The body of this paper is going to analyze the items of the checklist and through the analysis, will suggest a security policy for personal information protection of FinTech service.

• Journal of Distribution Research
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• v.7 no.1
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• pp.61-86
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• 2002

The number of people who perform their banking business on Internet has been increasing drastically during the recent period and the trend still continues. Banks and other types of financial institutions are now competing intensely with each other in attracting customers to this new innovative banking service. The marketers in charge of formulating and implementing the strategies for this new banking business need to understand the behavioral factors as well as the technical factors in order to succeed in attracting more customers to this new service. products. A deep understanding as to why and how the customers are adopting the new service developed on information technology is a prerequisite for a successful marketing effort. The purpose of this dissertation is to find out what factors are playing important roles in the customers'decision related to the adoption of the Internet banking services. The focus of the research is threefold. First. by testing the hypotheses proposed by the Technology Adoption Model, a well-known theory in the IT-related behavioral science, an analysis was made as to which factors are more important in affecting the attitudes and adoption of the Internet banking on the part of customers. Secondly, an analysis was made as to whether the three criteria of the Technographics- -the attitude toward new technology, level of income, and the motivational factor- -are useful as the criteria for segmenting the Korean users of the online banking. Thirdly, an analysis was made as to whether each customer group segmented by the criteria of the Technographics reveal a differential decision process and thus requires a differential approach strategywise.

• Annual Conference of KIPS
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• 2006.11a
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• pp.527-530
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• 2006

오늘날 많은 기업들이 납기 단축, 비용 절감 및 효율적인 프로세스 관리 등을 위해 소프트웨어 프로세스 모델 및 표준을 도입하고 있다. 이러한 표준들은 유지보수 과정에서 빈번하게 발생하는 장애를 혁신적으로 감소시켜 안정적 서비스 제공을 한다. 본 논문에서는 CMMI에서 요구되는 프로세스를 좀 더 자세히 체계화하여 CMMI 인증을 받은 금융회사의 장애분석을 통하여 장애의 원인들을 파악하고 이에 대한 개선된 프로세스를 제안하고자 한다.

• Journal of Service Research and Studies
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• v.13 no.2
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• pp.114-129
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• 2023

In the era of the 4th industrial revolution, the importance of the 4th industrial revolution technology is increasing in the service industry. The purpose of this study is to identify the development and utilization status of the 4th industrial revolution technology in the service industry and to derive the characteristics and implications of the 4th industrial revolution technology innovation in the service industry. In this study, research and analysis were conducted based on the business activity survey data in order to identify the technological innovation characteristics of the 4th industrial revolution in the service industry. The 4th industrial revolution technology in the service industry was analyzed in terms of company ratio, technology development and utilization rate, development/utilization technology, technology application field, and technology development method. In addition, the trend of the 4th industrial revolution technology change in the service industry was also analyzed. The 4th industrial revolution technology utilization and development status of other industries was compared and analyzed. In particular, the service industry 4th industrial revolution technology innovation type was divided into 4 types from the perspective of the 4th industrial revolution company ratio and the 4th industrial revolution company ratio growth rate, and types for each service industry were derived. The characteristics and implications of the 4th industrial revolution technology innovation in the service industry were presented from nine perspectives. As a result of the study, it was found that companies in the service industry were developing or using 4th industrial revolution technologies more actively than companies in other industries, and it was analyzed that the gap was further widening. By service industry, information and communication, finance and insurance, and educational service showed relatively high rates of developing or utilizing 4th industrial revolution technologies. The service industries in which the share of 4th industrial revolution companies increased the most were real estate, education service, health and social welfare service. In particular, cloud, big data, and artificial intelligence were analyzed as the three core technologies of the fourth industrial revolution. The service industry can be classified into 4 types in terms of the 4th industrial revolution company ratio and growth rate, and service industry innovation measures that reflect the differentiated innovation characteristics of each type are needed.

• Journal of Venture Innovation
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• v.1 no.1
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• pp.15-27
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• 2018

Interest in Fintech is extremely growing as O2O which means the binding of online and offline appears. The scale of private consumption in South korea reached about 700 trillion won, however, the online trading is only about 60 trillion won, which means 640 trillion won is still trading in offline. The reason the Fintech industry comes into the spotlight is because the foundation of related industries such as the rise of mobile traffic and the fast growth of the financial transaction through the mobile channel is forming. Especially, the introduction of payment systems among these Fintech industries offers convenience to the consumer. Mobile payment has been generalized in daily life such as utility bills and taxi fares. Use of O2O service in various industrial fields in commerce gives convenience to consumers and increase in sales to business in recent commercial transaction which is moving to on-demand channel services. People in smartphone life are supposed to find more convenient services for saving time using their phone, and this kind of environment makes the ordering goods and services through Fintech payments increase. The emergence of O2O services influences the development of Fintech industry and the emergence of convenient and reliable Fintech service through the deregulation of Fintech also affects the activation of O2O services. The complementary relationships between O2O services and Fintech would contribute to economic activation. From the standpoint of the researchers, I would like to further study the methods that can lead to a new paradigm of the financial payments industry through the development of Fintech and the drafts for the market expansion of the current offline commerce making it online in the advent of O2O services in variety industries.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.7 no.1
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• pp.189-206
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• 2012

It is urgently requested to innovate the management process of business-service areas in all industry such as financial business, services and manufacturing because of recent business trend - de-manufacturing trend and the weight increment of service in all industries. Many enterprises introduce various management - innovation methodologies in order to meet the rapidly changing business environment. Especially in Korea, it is a vogue to introduce the innovation methodology of the advanced company's. According to this style, the six sigma has been introduced over 10 years since late 1990's and it has become a synonym of innovation indeed. But the result of six sigma introduction has not reached to the level of expectation in its beginning. And the "Lean" have been introduced in Korea in the situation of global financial crisis, economic slump and the pursuit of developing country such as China. Many Korea companies pay attention to the "Lean" innovation activity because the TPS(Toyota Production System) is the matrix of Lean and is the motive power of Toyota growth. In this study, it was analyzed for the evolution course, distinctive features and effects of Lean management and was examined for the difference of Lean management between manufacturing industry and business-service areas. From this results, the characteristics of Lean management in business-service was analyzed. After survey of innovation agent in Korea company, the Lean model of business-service Industry was developed and applied. This study will be worthy to show the right direction to the enterprises which are to apply lean methodologies, or the enterprises which examine lean management for competitive advantages or the peoples who research the same topics.

• The Journal of Small Business Innovation
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• v.19 no.3
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• pp.1-16
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• 2016

Korean government had used public 'credit guarantee schemes' (CGS) as a counter-cyclical measure. However, it is still controversial about the effectiveness of policy financing on the SMEs. Criticism on policy financing involves the argument that supporting enterprises hampers competition and innovation of SMEs by increasing their dependence on the government and delays the exit of marginal firms. In this paper, we investigate how to effectively build up the rationale of running public CGSs. At the same time, we propose the ways to coexist of public credit guarantee and market-based private finance system for SMEs. First, CGS, as a counter-cyclical function, must coexist with the private financial system by compensating the market failure caused by pro-cyclical behavior of the private financial market. Second, CGS has the comparative advantages, compared to both the interest rate policy of the central bank and fiscal policy of the government. The credit guarantee is the symptomatic treatment that could revitalize the economy shortly by providing liquidity. Also, knowing that CGS is provided based on the leverage ratio defined by outstanding guarantee divided by capital fund, public 'credit guarantee' (CG) has an advantage that is free from the risk of government deficit. Third, the reason for existence of the CGS should be founded in supporting services for SMEs, available only in a public sector that is difficult to expect from private banks. In this regard, it is desirable to strengthen the publicness of credit guarantee over the support for start-ups, growing companies, the improvement of productivity, increase of exports, a long-term investment in facilities, the employment-creating businesses, and innovative enterprises.

• Journal of Global Scholars of Marketing Science
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• v.13
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• pp.29-47
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• 2004

This study examined the determinants of customer satisfaction in credit card service which has grown rapidly. We are interested in the determinants that affect intention of re-use and recommendation for the credit card. And in this study we adopt and extend the customer satisfaction factors presented in the literatures of retail banking services. The results show that the factors of corporate, innovativeness, physical & staff service and fee affect the customer satisfaction of the re-use intention. We also find that additional services, innovativeness and physical & staff service are the factors for the customer satisfaction of the recommendation intention. Finally, we discuss the managerial implications with a direction of future studies.