• The Journal of Society for e-Business Studies
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• v.27 no.2
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• pp.137-152
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• 2022

Consumers' enhanced intention to adopt the Mydata service or their voluntary provision of personal information is a very essential element in the stable growth of the Mydata industry along with the creation of corporate values. The growing leakage of customer information according to the rising value of data can have negative impacts on the use of Mydata service and shrink quality custom service needs based on the personal information provided by financial consumers. This study set out to identify security risks that financial consumers could recognize and security factors that could supplement them and investigate the effects of these security factors on consumers' intention to adopt the Mydata service, thus providing useful implications for increasing the acceptance of financial consumers and finding a strategy to expand safe utilization. The findings raise a need to guarantee the stability and transparency of information provided by customers as information subjects, and they should be essential requirements for the Mydata service. The security factors applied to guarantee them should include convenience in terms of financial service.

• Proceedings of the Korea Information Processing Society Conference
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• 2021.05a
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• pp.259-262
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• 2021

데이터 경제 시대를 맞이하여 농업분야에서도 농업인의 편의를 제공하고 정책의 효율성을 높여야만 한다. 이에 농업 보조금 신청 등을 위해 본인의 자격증명을 대신해서 관계 기관들이 수집, 보유하고 있는 데이터를 통해 농업 마이데이터 서비스 구축을 모색하고자 한다. 따라서 본 연구는 농업 마이데이터 서비스 수용의도에 미치는 영향에 관한 연구를 통해, 농업 마이데이터 구축에 필요한 시사점을 도출하고자 한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2020.05a
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• pp.417-419
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• 2020

데이터 3법 시대에 접어들면서 기업들에는 가명화된 개인정보를 활용할 수 있는 길이 열렸다. 하지만 현 데이터 3법은 데이터를 생성하고 유통하며 활용할 기업들의 책임과 혜택에 내용이 맞춰져 있어 아쉬운 감이 있다. 개인의 기본권을 보장하면서도 마이데이터 유통 및 활용을 도울 방법은 없을까? 본 논문에서는 데이터의 주체인 개인이 데이터 주권을 행사하고 실질적인 혜택을 받는 마이데이터 서비스의 활성화를 위한 ID 관리 기술로 블록체인 기반 분산 ID(Decentralized Identification, DID)를 제안하고, DID 수용의도에 영향을 마치는 요인을 연구함으로써 마이데이터 서비스 개발 활성화를 위한 정책적, 실무적 시사점을 도출하고자 한다.

• Knowledge Management Research
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• v.23 no.4
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• pp.133-157
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• 2022

As data becomes a new core resource with high attention, MyData service is spreading to various fields such as finance, medical care, and the public sector. However, research on the behavior of MyData service users is insufficient. Therefore, this study aims to empirically examine the effect of MyData service traits on value perception and acceptable behavior particularly in the financial sector where MyData service is most active. To this end, this study proposed a research model based on the literature. 295 survey responses were collected from individuals and analyzed using AMOS 26.0 for hypothesis testing. As a result of the analysis, it was found that self-information control, financial convenience, and personalized service had a significant effect on perceived value, and that perceived value had a significant effect on the intention to accept MyData service. Furthermore, this study examined the role of personal innovation and technological security in the relationship between variables by suggesting them as moderators. Results show that individual innovation was found to strengthen the relationship between two variables(self-information control and personalized service) and perceived value. Also, technological security was shown to strengthen the relationship between perceived value and intention to accept financial MyData services. The findings are expected to provide useful information to understand the factors affecting the acceptance of financial MyData service users and to understand the importance of individual innovation levels and technological security.

• The Journal of Bigdata
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• v.7 no.2
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• pp.173-193
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• 2022

With the revision of the Data 3 Act, the financial MyData industry was created newly. MyData services collect the financial customers' data scattered in various financial companies and provide personalized services such as personal financial product recommendation, personal expenditure advice, etc. Although MyData service started in 2022, but the use of the service has not been significantly activated. This study attempted to analyze the factors affecting the use of MyData services from the perspective of financial consumers through VAM, UTAUT2 model. The factors related to the perceived value and intention to use MyData services of financial consumers were verified using benefit and sacrifice variables. Personal Innovativeness was used as a moderating variable. As a result of this study, it was found that personal product recommendation service has an important influence on the use of MyData services, and personal innovativeness has an effect as a modulating variable. It can be said that it is meaningful as a preceding study in terms of timing because it studied the perceived value of consumers less than a year after the MyData service began. From the practical perspectives, it was possible to show the change direction and marketing points of the MyData service. In practice, it was possible to confirm the direction of the service and the marketing point.

• Knowledge Management Research
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• v.25 no.2
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• pp.219-243
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• 2024

This study investigates the impact of privacy concerns, perceived utility, and awareness of the right to personal data self-determination on the effective use and expansion of MyData services, which are critical to the data economy. Integrating the value-based adoption model with privacy calculus theory, the research examines how perceived utility, privacy concerns, trust, and personal innovativeness influence perceived value, perceived privacy, and the intention to provide personal information. Data collected from an online survey of 442 MyData service users and prospective users were analyzed using PLS-SEM and Bootstrapping methods via SmartPLS 4. The results indicate that perceived utility positively affects the intention to provide personal information, while privacy concerns have a negative impact. Trust and personal innovativeness positively influence the intention to adopt MyData services, and the awareness of personal data self-determination rights moderates these intentions. The findings underscore the importance of developing beneficial services that mitigate users' privacy concerns and build trust for the successful implementation of MyData services. Additionally, the study highlights the need for education and awareness campaigns to enhance understanding of the right to personal data self-determination.

• Journal of Information Technology Services
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• v.21 no.3
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• pp.1-25
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• 2022

The financial MyData service has implemented in January 2022 and launched 45 services by banks, securities, credit cards and fintech companies. This study applied the Q methodology, to identify the user types of MyData services and compared the perceptions of employees of financial institutions who plan and develop the MyData services. There are three types of MyData service users: active users, limited users who focus on consumption and asset status inquiry, and sensitive users for personal information. There were two types of recognition of financial company employees. One is the active user support other is the sensitive user for personal information support. The analysis of subjective perceptions can be used as a reference for establishing a company's MyData service marketing strategy and establishing related policies to improve the MyData ecosystem.