• Journal of Industrial Convergence
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• v.17 no.2
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• pp.1-7
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• 2019

The Kakao bank can be conveniently used if there are only smartphones, identity cards, and bank accounts. However, a few days before the inauguration of Kakao Bank, the company opened an account for receiving loans from other people. In order to avoid such cases, the financial transactions will be detected if the SDS is withdrawn at a short interval of time. The detection system of FDS has four functions which are monitoring and auditing, collection, analysis, and response. There are security problems of the cocoa banks in various directions. The Kakao bank has a way to respond to the problem using FDS.: Keywords : Cocoa bank, security issues, information protection, FDS

• Annual Conference on Human and Language Technology
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• 2023.10a
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• pp.143-148
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• 2023

본 논문에서는 금융 도메인 특화 사전학습 언어모델인 KF-DeBERTa(Korean Finance DeBERTa)를 제안한다. KF-DeBERTa는 대규모의 금융 말뭉치를 기반으로 학습하였으며, Transformer 아키텍처와 DeBERTa의 특징을 기반으로 구성되었다. 범용 및 금융 도메인에 대한 평가에서 KF-DeBERTa는 기존 언어모델들에 비해 상당히 높은 성능을 보였다. 특히, 금융 도메인에서의 성능은 매우 두드러졌으며, 범용 도메인에서도 다른 모델들을 상회하는 성능을 나타냈다. KF-DeBERTa는 모델 크기 대비 높은 성능 효율성을 보여주었고, 앞으로 금융 도메인에서의 활용도가 기대된다.

• Journal of Digital Convergence
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• v.18 no.1
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• pp.287-293
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• 2020

This study is about comparing and analyzing the representative fintech application service, Toss, and Kakaobank from the user's point of view and suggest development according to the main factors of user experience. The experimental group who have used both mobile application was recruited to do a task about deposit and withdrawal service. After the task, an in-depth interview was conducted by reorganizing the "Creating Pleasurable Interface model" by Stephen P. Anderson. Interview questionnaire is based on propensity and feature of generation 2030. As a result of the experiment, the user showed satisfaction with usability and showed different application usage experience depend on financial transaction propensity and money management. Therefore, the application needs features that could grasp the propensity and also service to manage money in everyday life. Based on this study, it is expected to develop be user-based fintech application service in related fields.

• Journal of the Korea Convergence Society
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• v.9 no.1
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• pp.277-282
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• 2018

This study aims to present a direction for securing continuous growth and confidence, centering on two Internet banking companies that started recently. The banking market has been rewriting the history since the emergence of Internet professional banks. In order to improve the credibility and promote the development of the Internet professional banks, I conducted a questionnaire survey and In Depth Interview. As a result of this survey, the overall reliability is still low, and the factors affecting reliability are: 1.Security problem 2.Discomfort of customer service 3.Errors and unnecessary services. This is a start-up business, so the awareness and reliability can be changed soon. Therefore, it is necessary to continue research on this according to the changing user's perception.

• Journal of Service Research and Studies
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• v.8 no.2
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• pp.77-94
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• 2018

Internet-only bank is one of the promising areas of Fintech industry. Kbank and Kakaobank launched services since 2017 in Korea. Experts estimated the younger generation including undergraduate students as target customers in the initial stage of the Internet-only bank in Korea. Thus, it is necessary to investigate factors influencing intention to use the Internet-only bank. Data were collected from undergraduate students studying in Seoul, Pusan, and Gyeongbuk province. The empirical study showed the evidence that four factors such as convenience, social influence, perceived privacy, and unverified risk had a significant influence on intention to use the Internet-only bank. However, economic benefit has no significantly influence on the intention. The present study focused on the influence of convenience and social influence and discussed the issues regarding convenience and social influence in more detail.

• Journal of Digital Convergence
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• v.20 no.2
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• pp.91-105
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• 2022

Most of the preceding studies related to Internet Primary banks are studies on laws, regulations, and expected effects of introduction, and studies on financial consumers' intention to switch to financial services are insufficient. Apply to the PPM(Push-Pull-Mooring)theory to find out the factors that influence financial consumers' intention to switch services from commercial banks to Internet Primary banks. A survey was conducted service users, 1st-order and 2nd-order factor analysis were performed using Smart PLS 3.0. As a result, it was confirmed that the Pull, Push and Mooring had a positive (+) effect on the Intention to Switch, and the Mooring, which is a moderating variable, did not have a moderating effect on the Intention to Switch of the Push and the Pull. The scope of application of the PPM theory, which was used in the service conversion research, was extended to Fintech services, and it can provide various practical useful implications, such as the strategy and spread of Internet Primary banks, and it will be used in various studies to study consumer attitudes.

• Journal of Digital Convergence
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• v.16 no.2
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• pp.157-167
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• 2018

Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.

• 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.

• Review of KIISC
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• v.30 no.3
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• pp.31-36
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• 2020

사용자를 온라인에서 확인하는 인증 기술은 최근 코로나 19로 인한 비대면 서비스들의 확산으로 더욱 중요해졌다. 이러한 인증 기술로는 인터넷/모바일 뱅킹, 전자 정부 등에 널리 사용되고 있는 공인인증서부터 카카오 뱅크 등의 사설인증, 블록체인을 이용한 분산ID 기술, 사용자 편의성을 강조한 간편 인증 등으로 진화하고 있다. 본 기고에서는 여러 가지 형태의 인증 방식에 대한 특징과 동향을 살펴보고 이를 통한 발전 방향을 살펴보고자 한다.

• Human Ecology Research
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• v.57 no.1
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• pp.1-13
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• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.