• Title/Summary/Keyword: Easy Payment Service

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Intention to use of Mobile Payment Service in Financial MVNO Environment (금융 MVNO 환경에서의 소비자의 모바일지급결제서비스 이용의도)

  • Park, Jin Sung;Kang, In Yang;Han, Pil Koo;Jun, Byoung Ho
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.8 no.2
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    • pp.213-227
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    • 2012
  • Recently MVNO has been adopted to reform the monopoly structure of mobile telecommunication industry in Korea. MVNO is expected to not only enable mobile telecommunication industry more free, but also provide various welfare service with customers, in particular mobile payment system service. Based on TAM, this paper is to investigate the affecting factors of intention to use of mobile payment system service in MVNO environment. The results indicate that all system quality factors are significantly related to both perceived usefulness and perceived easy of use, but only stability of service quality factor is significantly related to the perceived usefulness. Perceived easy of use was found to be siginificantly related to the intention to use of mobile payment system in MVNO environment, but percevied usefulness was not.

How to Foster Digital Payment Service for Millennials and Generation Z? (MZ 세대의 디지털 결제 서비스의 결정요인)

  • Cho Yooncheong;Oh Sanggune
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.19 no.3
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    • pp.45-60
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    • 2023
  • The purpose of this study is to explore factors that affect millennials and generation Z customers' perception on intention to recommend to use the digital payment services and invesetigate factors that affect perception on sustainable growth of the digital payment services. This study applied the following research questions: i) how perceived brand value, easy to use, personalization, open to public, and social value affect intention to recommend to use the digital payment services and ii) how perceived public policy, promotional strategy, and prspects affect intention to recommend to use the digital payment services to others. This study conducted an online survey. This study applied factor, ANOVA, and regression analysis to test hypotheses. The results of this study found that effects of personalization, open to public, and social value on intention to recommend the service showed significance in the case of millennials, while effects of brand value, easy to use, and open to publis on intention to recommend the service showed significance in the case of generation Z. The results provide managerial and policy implications on how to apply better strategies and pepare policies to enhance adoption of the digital payment service in cases of millennials and generation Z.

Evaluating the User Experience between Generations of Easy Payment Service -Focusing on KakaoPay and PAYCO- (간편 결제 서비스의 세대 간 사용자 경험 평가 - 카카오페이와 페이코 중심으로 -)

  • Kim, So-Young;Kim, Seung-In
    • Journal of Digital Convergence
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    • v.18 no.4
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    • pp.453-459
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    • 2020
  • This research aims to evaluate how each generation experiences easy payment services. Recently, the easy payment service business has been on an upward trajectory and pin-tech companies have introduced various types of products. In this regard, it becomes crucial to understand differences among generations in terms of using those services due to their accessibility and serviceability. Based on the statistical analysis of surveys and in-depth interviews based on Peter Morville's Honeycomb model, this study suggests four ways to improve this payment service. The analysis indicates that those who are older tend to use easy payment services provided by their credit card companies or services which they frequently have already used. Findings of this analysis are expected to find the relationship between ages and payment applications.

A Study on the Promotion of Mobile Easy Payment Services in the Fintech Era (핀테크 모바일 간편결제 서비스 활성화 방안)

  • Cho, Eun-Young;Kim, Hee-Woong
    • Informatization Policy
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    • v.22 no.4
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    • pp.22-44
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    • 2015
  • With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.

A study on Activation Measures of Local Mobile Easy-to-use Payment (국내 모바일 간편결제 활성화 방안에 관한 연구)

  • Jeong, Gi Seog
    • Convergence Security Journal
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    • v.15 no.4
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    • pp.73-82
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    • 2015
  • Thanks to popularization of smart phone, mobile payment market is growing rapidly. As the obligatory use of digital certificate is abolished, easy-to-use payment that can settle with only password is being launched one after another. But its spreading speed is not fast highly. Because of concern about personal information leakage and security, unchangeability of payment habit, insufficiency of consumer protection, inadequacy of payment infrastructure and all sorts of regulations, easy-to-use payment is not activated. Recently global IT companys are entering mobile payment market competitively. It is because the sense of crisis that their survival can be dangerous from now on if they get left behind Fintech innovation and the mentality that they try to take the leadership of mobile payment market process. In this situation, the thorough preparation and a lot of effort are required to promote our autonomous easy-to-use payment growth without dependance on foreign country's. In this paper, the problems of local mobile easy-to-use payment are addressed in depth and the activation measures such as flexible and discriminative security, construction of customer protection system, law system maintenance, service differentiation are proposed.

An Empirical Study on the Factors Influencing the Acceptance of Mobile Easy Payment Services: A Case of Chinese User (모바일 간편 결제 서비스 수용요인에 관한 실증연구: 중국사례를 중심으로)

  • Chen, Lu;Lee, Dong-Myung
    • The Journal of the Korea Contents Association
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    • v.17 no.8
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    • pp.1-13
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    • 2017
  • In this paper, a research model was designed to investigate the factors influencing the intention to use of mobile easy payment services in China. Our research model includes the service factors(instant connectivity, economic and security), social factors(subjective norms and image), the user's individual factors(self-efficacy personal innovativeness and suitability), perceived ease of use, perceived usefulness and intention to use. A survey was conducted to collect the data with users who have had the actual using experience about mobile easy payment services. In this research, the data were collected by online survey, and in final analysis, 439 users' questionnaires were used. The empirical paper proves research hypothesis by using SPSS 22.0 and AMOS 23.0. The results of the study are as follows: the mobile easy payment service factors, social factors and the user's individual factors partially give positive effects to perceived ease of use and perceived usefulness; perceived ease of use gives positive effects to perceived usefulness. In addition, perceived ease of use and perceived usefulness have positive effects to on intention to use.

Influencing Factors on Users' Resistance to the Mobile Easy Payment Services : Focusing on the Case of KakaoPay Users (모바일 간편결제 서비스에 대한 사용자 수용저항 요인 : 카카오페이 사용자를 중심으로)

  • Kim, Sodam;Park, Philip;Yang, Sung-Byung
    • Journal of Information Technology Services
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    • v.16 no.2
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    • pp.139-156
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    • 2017
  • Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.

A Study on the Acceptance Decision Factors for Mobile Easy Payment Services in Digital Convergence Media Ara: Focusing Samsung Pay (디지털융합미디어시대 모바일 간편 결제서비스 수용결정요인에 관한 연구: 삼성페이를 중심으로)

  • Kim, Cha-Keun;Kim, Joung-Gun;Choi, Seong-Jhin
    • Journal of Digital Convergence
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    • v.15 no.4
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    • pp.213-221
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    • 2017
  • The purpose of this study was to examine the acceptance decision factors for mobile easy payment services focused on samsung pay. To attain these purpose, the subjects for data were 229 university students. The data were analyzed by path analysis using SPSS 21 program and AMOS program. The results were as follows: First, Perceived ease of use influenced positively on mobile easy payment service attitude. Second, Perceived usefulness influenced positively on mobile easy payment service attitude. Third, Perceived ease of use influenced positively on intention of continuous use. Fourth, Perceived usefulness influenced positively on intention of continuous use. Fifth, Attitude influenced positively on intention of continuous use. Sixth, Perceived risk influenced not significantly on intention of continuous use. This study identified the acceptance decision factors for mobile easy payment services as perceived ease of use, perceived usefulness and attitude.

A study on BLE-based ZEP System Attack Techniques and Countermeasures Utilizing the Convergence of Big data Platform and Monitoring System (빅데이터 플랫폼과 모니터링 시스템의 융합을 이용한 BLE기반의 ZEP시스템 공격 기법에 대한 대응방안 연구)

  • Ahn, Ye-Chan;Shin, Young-Hyun;Lee, Keun-Ho
    • Journal of Digital Convergence
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    • v.13 no.8
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    • pp.331-336
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    • 2015
  • Lately, the development and utilization of technology of the Internet of Things(IoT), and Fintech have been on the rise and amid the emerging convergence of system and service, mobile payment system and location based service technology have received much attention. Considering the fact that smartphone users are currently utilizing mobile payment frequently, many corporations are introducing various methods to the market for easy payment process of consumers by grafting various technologies, and by utilizing the technology based on BLE technology and location based technology, it is emerging as new method applied to payment service such as ZEP, for easy payment process. And by checking the existence of security threats and studying the attack techniques in these payment services, we strive to suggest a method of response based on big data platform.

Per-transaction Shared Key Scheme to Improve Security on Smart Payment System

  • Ahmad, Fawad;Jung, Younchan
    • International Journal of Internet, Broadcasting and Communication
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    • v.8 no.1
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    • pp.7-18
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    • 2016
  • Several authentication methods have been developed to make use of tokens in the mobile networks and smart payment systems. Token used in smart payment system is genearated in place of Primary Account Number. The use of token in each payment transaction is advantageous because the token authentication prevents enemy from intercepting credit card number over the network. Existing token authentication methods work together with the cryptogram, which is computed using the shared key that is provisioned by the token service provider. Long lifetime and repeated use of shared key cause potential brawback related to its vulnerability against the brute-force attack. This paper proposes a per-transaction shared key mechanism, where the per-transaction key is agreed between the mobile device and token service provider for each smart payment transaction. From server viewpoint, per-transaction key list is easy to handle because the per-transaction key has short lifetime below a couple of seconds and the server does not need to maintain the state for the mobile device. We analyze the optimum size of the per-transaction shared key which satisfy the requirements for transaction latency and security strength for secure payment transactions.