• International Journal of Computer Science & Network Security
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• 제22권4호
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• pp.67-72
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• 2022

The main purpose of the study is to analyze the main aspects of state regulation of the banking business in the context of social and digital transformation. One of the key elements of the functioning of the economy of any country are banks that ensure the redistribution of financial resources and stimulate economic growth. However, the banking sector, like other activities, is dynamic and depends on the pace of development and forms of technological progress that affect the forms and types of information and digital technologies, as well as the globalization and remoteness of banking services. Accordingly, the need for effective implementation of the latest technologies becomes relevant, which will not only help increase consumer satisfaction with the banking product, but also ensure the development of the country's financial sector. As a result of the study, trends in the development of state regulation of the banking sector in the digital economy were identified.

• Asia pacific journal of information systems
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• 제32권3호
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• pp.537-563
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• 2022

This study investigates the adoption and application of digital transformation in the financial sector and analyzes the process and outcomes of digitization and digitalization in the field of the finance industry of South Korea and overseas, in order to seek both managerial and strategic implications for successful implementation of digital transformation in the future. The findings show that, for successful digital transformation, it is necessary to maximize active and systematic use of advanced online and digital technologies that form the basis of business and create an open, horizontal organizational culture and communication system to equally share and distribute advanced technologies and competencies through the entire organization. Furthermore, this study also discovers the legitimacy to concentrate the organizational competencies and know-how in providing technical training for members, expanding customer experience, and improving customer satisfaction services to contribute to improving the quality of life for members of the organization and creating and improving social and public infrastructures, instead of using digital transformation only to improve productivity of organizations or firms. As such, it is necessary to concentrate corporate competencies in establishing and supplying digital transformation that is not just human-centered but also has productivity, innovativeness, and reliability at the same time.

• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.509-518
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• 2021

Amid the Covid pandemic surge last year, customers and businesses started embracing digital transactions. Digital banking, as an answer to the cash-less-contact-less way of doing financial transactions, was highly convenient during the pandemic, especially in the Philippines. This position examines the Gen Y and Gen Z in the Philippine case and its willingness to encourage digitalization of the financial sector. This study aimed at evaluating the intention to use digital banking services using the factors (1) ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience. A total of 226 respondents were selected by random sampling method and linear regression was used to analyse the collected data. Analysis of the results show that the components (1) perceived ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience had a significant effect on intention to use digital banking while the demographics - gender, age, monthly income, and educational attainment do not have any significance on the intention to use digital banking. The relevance of the study can be used for marketing and financial strategies to increase the intention to use digital banking and to contribute to the enhancement of technology acceptance concerning digital banking.

• 경영정보학연구
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• 제25권4호
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• pp.161-181
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• 2023

코로나19 이후 소비생활 환경의 비대면화가 급격히 앞당겨지면서, 변화하는 비대면 금융생활서비스는 소비자의 일상에 큰 영향을 미치고 있다. 이처럼 필수재화가 된 디지털 기기·서비스를 이용하지 못하는 국민은 일상생활뿐 만 아니라 사회·경제 전반에서 소외되는 '디지털 사각지대'에 내쳐질 위험이 높아지고 있다. 이에 본 연구에서는 지각된 통제력 요인인 인지 통제력, 행동 통제력, 결정통제력이 디지털 금융서비스 이용의도에 미치는 영향을 분석하였다. 본 연구를 위해 디지털금융을 알고 있으면서 이용의도가 있는 133명의 고객을 대상으로 설문조사를 실시하였다. 연구결과 인지 통제력, 행동 통제력, 결정 통제력은 디지털 금융서비스 이용의도에 유의적인 영향을 미치는 것으로 나타났다. 또한 프라이버시 염려에 대한 조절효과는 결정 통제력이 디지털 금융서비스 이용의도에 미치는 영향에서 유의하게 나타났다. 이러한 결과를 바탕으로 디지털 금융서비스 기업이 고객의 지각된 통제력을 관리할 수 있는지에 대한 시사점을 제시하였다.

• 전자통신동향분석
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• 제37권6호
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• pp.11-22
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• 2022

The UK is a service superpower with solid and well-developed financial and insurance services, including FinTech. Much of the UK's service industry is digital and becoming increasingly so. Primary sources constituting the UK's comparative advantage in services could be factored in business conditions driving innovation in the digital age and world-leading digital competitiveness. Therefore, this study examined the UK's digital policies. This research's focal strands were the UK's digital strategy, national artificial intelligence strategy, and digital trade objectives. As an essential insight for policymakers and other stakeholders, this study proposes that government policies in response to the digital economy are inextricably linked, leading to a critical driver for the UK's digital competitiveness.

• East Asian Economic Review
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• 제23권3호
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• pp.285-309
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• 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.

• 한국IT서비스학회지
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• 제16권2호
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• pp.33-44
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• 2017

The financial industry recently introduces several issues for utilizing the blockchain technology as the core infrastructure of future finance. Blockchain, first introduced as the underlying technology of Crypto-currencies, Bitcoin is a technology that can ensure the integrity and reliability of data by verifying, recording, and storing data jointly in the network without a central administration organization or a manager. This blockchain has its potential power as a technology for issuing digital currencies, providing transparency, and securing record management, that is expected to be useful in the financial sector. At the same time, considering the characteristics of financial transactions which emphasize privacy, questions are raised about whether a blockchain structure in which information is distributed and shared among participants can be successful. How will we support to implement the potential of the blockchain in order to change the paradigm of the financial industry? How can we manage the side effects of blockchain effectively? Such a policy discussion is necessary. This study introduces the meaning of the blockchain technology, various utilization attempts, and possible problems facing technology from the viewpoint of financial industry, and suggests a policy direction for utilizing this technology as a catalyst to the progress of the financial industry or as a new technology power.

• 디지털융복합연구
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• 제20권2호
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• pp.91-105
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• 2022

인터넷 전문은행 관련 선행연구들은 법안, 규제 그리고 도입 기대효과 등의 연구들이 대부분이며, 금융 소비자의 금융 서비스 전환 의도에 관한 연구는 미비한 상태이다. 본 연구의 목적은 금융소비자들이 시중은행에서 인터넷 전문은행으로 서비스 전환 의도에 대해 영향을 미치는 요인을 알아보고자 PPM(Push-Pull-Mooring)이론을 적용하였다. 실제 서비스 이용자들을 대상으로 설문조사를 하였고, Smart PLS 3.0을 사용하여 1차 요인분석과 2차 요인분석을 하였다. 연구 결과 풀요인, 푸시요인 그리고 무어링요인은 전환 의도에 긍정적인 영향을 미쳤으며, 조절변수인 무어링요인은 푸시요인과 풀요인의 전환 의도에 조절효과가 나타나지 않았다. 서비스 전환 연구에 활용되던 PPM이론의 활용 범위를 핀테크 서비스로 확장 하였고, 인터넷 전문은행의 전략과 확산 등 여러 가지 실무적인 유용한 시사점을 제공 할 수 있으며, 소비자 태도를 연구하는 다양한 연구에서 활용할 수 있을 것이다.

• 디지털산업정보학회논문지
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• 제15권1호
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• pp.61-66
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• 2019

FinTech has expanded to the extent that not only businesses but almost everyone can feel the impact. The spread of the scope of use has introduced a variety of new financial services that are changing the way we live. In these environments, it is important to develop reliable security measures to protect against cyber attacks. The number of mobile financial transactions in the financial sector is also increasing, making security vulnerable. In this study, we studied security through mutual authentication method that can safely handle financial security and focused on FinTech's security processing through multi-party mutual authentication method that strongly prevents leakage of information even in the event of continuous and sophisticated attacks.

• 한국컴퓨터정보학회논문지
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• 제25권12호
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• pp.279-291
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• 2020

우리나라에서 핀테크라는 말이 주목을 받기 시작한지 벌써 몇 년 정도 지났다. 요즘에는 핀테크가 한때의 붐일 뿐이라고 믿었지만, 요즘에는 금융변혁의 기폭제로 인식한다. 대형 벤처회사들도 핀테크에 대응할 수 있는 새로운 조직을 만들어 실증 실험 프로젝트에 착수하고 있다. 신중하고 보수적이던 금융업계에 큰 조류가 오고 있는 것처럼 느껴진다. 금융은 디지털 정보로 성립된 다. 핀테크란 디지털 정보에 의해 표현되는 금융(Finance)을 정보기술(Information Technology, IT)로 쇄신하고 인간의 경제활동을 재편성하는 진화 과정이다. 바로 Fin+Tech이다. 송금결제 혹은 가계부 서비스 같은 개별 애플리케이션에만 매달려서는 핀테크의 진짜 효과를 이해할 수 없을 것이다. 핀테크는 경제활동의 구조 그 자체를 바꾸는 이노베이션이다. 실은 큰 임펙트가 오는 것은 지금부터다. 말하자면 지금은 아직 꾸지 못한 꿈을 떠올리고 있는 시기이다. 본고에서는 핀테크가 어떻게 생겨났으며, 어떻게 우리나라에 전파되었으며, 향후 우리나라의 금융을 어떻게 바꾸려 하는지 검토하고자 한다. 금융기관들은 업무진행 방식에는 큰 변화가 없이 주로 정보기술의 진보에 따른 과실을 안정성, 안정성을 추구하는 방향으로 사용해 왔다. 그러나 미국 실리콘밸리에서 시작된 핀테크의 움직임은 그 열매를 다른 방향으로도 활용할 수 있다는 것을 보여 주는 것이라 할 수 있다. 기술 진보의 과실은 앞으로도 해마다 확대될 것으로 기대된다. 그것을 활용해 이용자의 편리성을 향상시키고, 사회에 유익한 이노베이션을 실현하는 것을 추구해 나가는 것은 시대의 요청이다. 핀테크의 흐름이 우리 금융업계의 이노베이션을 가속화할 것을 기대한다.