• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• 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.

• The Journal of the Korea Contents Association
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• v.19 no.7
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• pp.376-383
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• 2019

In recent decades, China's economy has grown rapidly and two-dimensional bar code-based payments services have been activated. This is a model that will be introduced by developing countries that lack mobile payment infrastructure, and countries that are looking to leap into cashless societies are also drawing attention. Along with this, the existing CRM market is expanding around the mobile device called m-CRM, and research is active on the importance of collective use for online advertising and two-dimensional bar code-based payments services. Therefore, through this study, we have explored the concepts and status of online advertising and customer relationship management which using the two-dimensional bar code-based system, and designed and implemented the method and mobile application system to effectively disseminate transactional advertising information at the point of sale or at the point of share. We also presented an application approach to look at the direction of two-dimensional bar code-based ads contents sharing system and its development.

• Information Systems Review
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• v.23 no.3
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

• Journal of Internet Computing and Services
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• v.22 no.5
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• pp.69-77
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• 2021

The main channels of the financial industry are rapidly changing to mobile. In this environment, banks are focusing on information and communication technology to secure their competitiveness, and rapid innovation is being pursued especially in the payment settlement sector. In October 2019, Korea also introduced open banking services to accelerate the financial innovation, such as the open conversion of financial settlement networks and the expansion of the use of simple payments. In this paper, an empirical study was conducted on the effect of domestic open banking quality factors on usage intention. The service quality factors for open banking were classified into interface design, innovation, security, and data sharing, and the technology acceptance model (TAM) was used to verify whether it has a significant effect on perceived convenience, usefulness and intention to use. According to the analysis results, while innovation and security did not have a significant effect on convenience and usefulness, interface design and data sharing were found to have an effect on perceived convenience. The results would provide implications for some quality issues for companies seeking to introduce open banking services as well as for the related academic arena.

• Journal of Information Technology Services
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• v.16 no.1
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• pp.119-138
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• 2017

Mobile easy payment is a term for using mobile devices to facilitate financial transactions. Mobile easy payment is a quickly emerging practice, supported by the dramatic increase of mobile phone or device users around the world. The purpose of this study is to classify user's group of the mobile easy payment service by their lifestyle based on I-VALS type and to investigate differences in usage behavior among the user groups. For empirical study, a questionnaire survey was carried out with users of mobile easy payment services using the Internet from June 7 to 10 in 2016. We conducted factor analysis for I-VALS, usage factors, satisfaction factors. We also performed cluster analysis for group classification, and analysis of variance, cross analysis to compare the different usage behavior among the user groups. In analysis results, first three cluster appeared including "ICT task-oriented group", ICT positive and socialities oriented group", "ICT leader-oriented group". Second, it was found significant differences among the clusters about factor of "easy of use", "securities", "universality", "satisfaction". Third, we showed that there were significant differences in time first used the service. Based on these findings, we provide practical implications. Results of our study can be expected to provide the basis of differentiated marketing strategy of mobile easy payment services.

• The Journal of Information Systems
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• v.28 no.1
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• pp.155-181
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• 2019

Purpose As the mobile easy payment service grows fast, competition in the payment service market is getting stronger. On the other hand, there are few studies on the users' utilization results. Therefore, this study explains the continuous use intention of mobile easy payment Services based on PAM and value model. Design/methodology/approach This study proposed an extended model by integrating PAM, which is a representative model of continuous use intention in IS field, and value model of mobile field. Also this study empirically tested 298 users who have experience of mobile easy Payment service. The structural equation model was used to verify the research model and hypotheses. Findings According to the empirical analysis result, this study verifies that perceived usefulness and satisfaction were determinants of continuous use intention in mobile easy Payment services. Expectation confirmation has been proved to be a positive predictor of satisfaction and perceived usefulness. Also, among the value factors, perceived ease was not a valid predictor of satisfaction, and the remaining factors were positive predictors of satisfaction.

• 한국벤처창업학회:학술대회논문집
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• 2018.11a
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• pp.93-96
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• 2018

통계청 자료에 따르면 지난해 자영업 폐업률은 전년 대비 10.2% 포인트 높은 87.9%를 기록했다. 자영업 4개 업종인 도소매업, 음식, 숙박업은 지난해 48만 3985개가 새로 생겼으며 반면 42만 5203개가 문을 닫았다. 2018년 8월 통계청 자료에 따르면 온라인쇼핑 거래액은 전년 동월 대비 19.6% 증가했고, 모바일쇼핑 거래액도 모바일 이용 확산과 간편 결제 서비스 발전 등에 힘입어 전년 동월 대비 29.7% 증가하였다. 본 연구에서는 소매업인 온라인 쇼핑몰은 매년 20%대의 성장률을 보이고 있는 점에 주목해서 온라인 쇼핑몰의 매출 성과와 연관이 있는 방문 의도에 미치는 변수를 연구하고자 한다. 해마다 판매자가 증가하고 있는 온라인 쇼핑몰 업계는 치열한 경쟁과 늘어나는 마케팅 비용을 감당하지 못해 폐업의 수순을 밟고 있는 경우가 많다. 온라인쇼핑 운영자들이 하고 있는 대표적인 마케팅 방법인 블로그, 키워드 검색광고, SNS 채널 마케팅이 온라인 쇼핑몰의 방문 의도에 얼마나 영향을 미치고 있는지 연구 조사하고자 한다. 특히 온라인 쇼핑몰에 방문하는 사람들의 개인적 특성인 충동구매 성향, 다양성 추구 성향, 자기조절 성향을 조절 변수로 하여 개인 성향에 따라 각 독립변수들과의 방문 의도 상관관계를 알아보려 한다. 독립변수들이 방문 의도와의 관계를 실증 분석하여 온라인쇼핑몰의 준비하는 예비창업자나 기창업자들에게 보다 지속적인 기업성장과 매출성과에 도움이 되고자 한다.

• Journal of Digital Convergence
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• v.14 no.7
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• pp.373-383
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• 2016

With mobile-epoch and emerging of Fin-tech, Bio-recognition technology utilizing bio-information in secure method has spread. Specially, In order to change convenient payment services and transportation cards, the combination of biometrics and mobile services are being expanded. The basic concept of authentication such as access control, IA&A, OpenID, OAuth 1.0a, SSO, and Biometrics techniques are investigated, and the protocol stack for security API platform, FIDO, SCIM, OAuth 2.0, JSON Identity Suite, Keystone of OpenStack, Cloud-based SSO, and AIM Agent are described detailed in aspect of application of AIM. The authentication technology in domestic and foreign will accelerate technology development and research of standardization centered in the federated FIDO Universal Authentication Framework(UAF) and Universal 2 Factor Framework(U2F). To accommodate the changing needs of the social computing paradigm recently in this paper, the trends of various authentication technology, and design and function of AIM framework was defined.

• Korean Management Science Review
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• v.33 no.2
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• pp.65-74
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• 2016

The present study applies the TAM (Technology Acceptance Model) to investigate the factors that affect the intention to use the mobile payment services. For this purpose five potential variables (perceived usefulness, perceived convenience, ubiquity, innovativeness, and safety risk) that are expected to affect the intention to use the mobile payment services were selected. An online survey was administered, and 339 questionnaires were analyzed. Structure Equation Model (SEM) Analysis revealed that TAM variables (perceived usefulness and perceived convenience) partially influenced the attitude. The perceived usefulness predicted the attitude while perceived convenience did not predict the attitude toward the mobile payment service. Personal characteristics variable (innovativeness) and mobile nature variables (ubiquity, and security risk) were identified as the predictors of the attitude toward the mobile payment service. While innovativeness and ubiquity affected the attitude positively, security risk affected the attitude negatively. Finally, the analysis substantiated the influence of attitude toward the mobile payment services on the intention to use the services. On the basis of findings, managerial implications and suggestions for further studies were discussed.