• Journal of Digital Convergence
• /
• v.19 no.5
• /
• pp.229-239
• /
• 2021

For this study, we have extensively analyzed the presentation data of the government's financial-related departments and the data of each financial institution and electronic financial institution.. As a result, In Korea's electronic financial environment, real changes such as first) expansion of non-face-to-face finance, second) teleworking in the financial sector, third) abolition of accredited certification, fourth) advanced voice phishing, fifth) openness of the financial industry and diversification of forms, sixth) the'walletless society'. In addition to the above, however, global changes triggered by the Fourth Industrial Revolution spread to the financial security sector, making it difficult to respond to problems such as artificial intelligence/ deep learning/ user analysis/ deepfake technology. As the proportion of electronic finance is increasing socially, it should be studied in the fields of electronic finance and its environment, and crime and criminal investigation.

• Journal of Advanced Navigation Technology
• /
• v.25 no.5
• /
• pp.415-425
• /
• 2021

In line with the trend of the digital transformation, the financial sector is providing financial services with new technologies. Among them, the open banking, which is drawing attention from global financial industry, is a service environment that maximizes customers' convenience and data utilization. In addition, the shift in the digital paradigm has also increased anxiety that security problems such as hacking and information leakage caused by data sharing are also concerned. A failure to overcome the negative view will hinder the development of financial services. This study presents a security governance system that can safely and comprehensively manage data in a digital financial ecosystem. This prepares a technical application plan by presenting a digital financial security architecture to field workers, focusing on the open banking service environment. It can be seen that this study is worthwhile by presenting a comprehensive information protection system that allows financial IT to introduce and utilize open banking services in a changing environment.

• Journal of Korea Society of Digital Industry and Information Management
• /
• v.12 no.3
• /
• pp.111-123
• /
• 2016

Recently, mobile devices have been widely used. Therefore, the service users want that are not constrained by time and space. Among them, electronic payment services, mobile finance service is enjoying a tremendous popularity. The FinTech is the result of the fusion of finance and ICT(Information & Communication Technology). Security experts is pointed the FinTech security risk. New technology and Innovative FinTech services are even available, Insecure FinTech services is insignificant. In this paper we were surveyed market and product trends of FinTech and analyzed the threats about FinTech. Also, we analyzed the security considerations for FinTech using a questionnaire. As a result, users considers secure payment process and privacy. Therefore, we proposed security considerations for each vulnerability. So, we must be resolved of security technology and policy issues. If establishing a secure payment process and the unclear legal issue is resolved, FinTech service will provide a secure financial services to the user.

• International Journal of Advanced Culture Technology
• /
• v.11 no.2
• /
• pp.221-228
• /
• 2023

The industrial revolution 4.0 in general and the trend of the digital economy in particular have affected all aspects of the economy. In the orther hand, Digital Technology has the power to impact the strategies and competitiveness of businesses in the market. It is ever evolving and creating a revolutionary stand for different professions as well. Accounting is considered to be one of the oldest and traditional professions. The rules and methodology of this profession has remained uniform for a long period of time. But due to the advent of the digital technology accounting industry is experiencing some great changes. Challenges for the accounting profession are reflected in the need for rapid adaptation and transformation of business practice and business processes. Gradually it was difficult to manage the accounting of large firms without having any machine help. This profession faced a lot of challenges and required the need to adapt technology. The requirements of finance and digital accounting, as well as the requirements of regional and international financial and accounting integration, require proactive preparation, taking full advantage of the advantages as well as limiting the impacts. disadvantage. The aim of this paper is to analyze and systematize the key challenges that digitalization brings for accounting industry and propose some solution for digital transformation of accounting industry for Small and Medium Enterprise in Vietnam

• International Journal of Computer Science & Network Security
• /
• v.23 no.2
• /
• pp.193-198
• /
• 2023

The article focuses on the areas of education activities in using techniques for teaching and learning with information and communication technologies (ICTs), researching and analyzing the available ICTs, gearing the technologies to the specific psychological and pedagogical conditions, independently building and modeling ICTs, enlarging and developing their use in the learning environment. The visualization of scientific research has been determined to be part of the educational support for building students' ICT competence during teaching and learning and is essential to the methodology culture. There have been specified main tasks for pedagogy technologies (PTs) to develop the skills of adaptability to the global digital space in students, their effective database operation and using the data bases as necessary elements for learning and as part of professional training for research. We provided rationalization for implementing the latest ICTs into the Ukrainian universities' curricula, as well as creating modern methods for using the technologies in the learning / teaching process and scientific activities.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.8
• /
• pp.387-397
• /
• 2021

The object of this article is to assess the factors affecting the behavioral intention of young retail customers to use digital banking services in Vietnam. In this article, multivariate data analysis techniques including Cronbach's Alpha, Exploratory factor analysis (EFA), Confirmatory factor analysis (CFA), Structure equation model (SEM), and Bootstrapping are used to analyze the data collected from 525 young respondents under the age of 35 who are using or having opportunities to experience digital banking services. The people taking part in the survey were mainly University students with incomes of most of them under VND 5 million. The result from the analysis illustrates that (1) perceived ease of use positively affects intention to use, (2) social influence positively impacts intention to use, and (3) customer support has a positive impact on the intention of young people to use digital banking services. While technology self-efficacy, convenience, and perceived security were found to have an impact on intention to use services in former studies, the influences of these factors on intention to use digital banking services are found insignificant in this research. From these results, the author provides implications for commercial banks to increase the intention to use digital banking of young people in Vietnam.

• East Asian Economic Review
• /
• v.23 no.3
• /
• pp.285-309
• /
• 2019

Unlike the popular belief, digital transformation mainly gets stymied by legal and regulatory issues related with legacy institutions in Asia rather than technical difficulties. The real challenges triggered by the PSD2 (Payment Services Directive 2) are how the region would overcome the overly fragmented, centralized, and hierarchical legacy framework to allow necessary changes to respond to the digital single market initiatives as promulgated by the European counterpart. The PSD2 is expected to bring about substantial changes in the payment ecosystem by allowing payment service providers to access customers' accounts and transactions information via API that have been traditionally controlled by banks. This paper suggests an incentive-compatible mechanism design for open collaboration among legacy institutions in the region to help them adapt to the PSD2. As evidenced by case studies in Korea, the Asian equivalent of PSD2 can be implemented and further expanded to create region-wide PCS (payment-clearing-settlement) network by reconnecting the dots of legacy infrastructures. These decentralized, diverse, small payment networks can be further combined with the expanded RTGS-CDS platform to evolve into the next phase of Asian Financial Network.

• Journal of Digital Convergence
• /
• v.14 no.10
• /
• pp.393-398
• /
• 2016

Stock information applications allow users to look up and find current stock information whenever and wherever. This study researched what kind of user experience the finance experts get when using these applications and what they suggest. The research was conducted through an in-depth interview of 8 finance experts, who worked minimum of three years, and used both Kakao Stock and JeungGwon Tong, the most used stock information applications, for a minimum duration of six months. The results show the user experience of Kakao Stock rated a bit higher than JeungGwon Tong. Since the objective of such applications are to show stock informations, the experts all rated the pleasurable and meaningful aspects rather low. They suggested, the developers should provide a more advanced and accurate information. They also suggested user interest recognized content be presented along with more convenient user interface to elevate usability. Hopefully, this study becomes a base to further study of user experience of various on and offline stock information services and they become a reference to develop a service with great user experience.

• Journal of Digital Convergence
• /
• v.12 no.7
• /
• pp.49-64
• /
• 2014

This study is to prove the effect of raising the value of the expert knowledge of technical experts or researchers that obtained systematic education on finance and management, on the individual's performance, and to do so, BSC(Balanced ScoreCard) is to be used to analyze how the individual's performance was affected. The results indicates that development and management of substantial programs on finance and management-related educations, with the purpose of inspiring management mind on professional employees, are demanded.

• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.9
• /
• pp.309-316
• /
• 2022

In 2011, the 4^th industrial revolution officially occurred and developed in most countries. The fourth industrial revolution has given organizations numerous business opportunities, enabling them to optimize their manufacturing processes, cut costs, and thereby improve their operations. The development of enterprises is a decisive factor in increasing national productivity, thereby improving economic growth and per capita income. Therefore, it is necessary to grasp the digital transformation plan and apply science and technology to domestic enterprises and improve the operational efficiency of the economy. Research on small and medium enterprises in Hanoi, Vietnam, which is considered a successful country in economic development and digital transformation and has become a middle-income economy and a highly open economy, the research results suggest that the ability to apply technology in businesses is capable of improving corporate financial performance. The choice of capital structure favoring debt has a negative effect on the financial performance of the enterprise; that is, enterprises in Vietnam should limit the choice of financing investment projects with debt, on the contrary, enterprises should choose to finance with equity. Finally, the study also discusses managerial implications for improving business performance in the context of the rapidly evolving 4.0 technology revolution.