• Information Systems Review
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• v.21 no.3
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• pp.87-110
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• 2019

The Fintech services provide innovation to financial services users using various mobile devices and computers in wired and wireless communication environments. In this study, we develope a theoretical research framework to explain the psychology of Fintech services users based on a cognitive, affective, and conative framework. Using this framework, this study analyzes the relationships between the cognitive characteristics (i.e., innovation, relative advantage, ease of use, and usefulness), emotional characteristic (i.e., attitude), and behavioral characteristic (i.e., actual use) toward Fintech services users. This study conducted an online survey of people who have experienced using Fintech services. And the data of the collected Fintech services users was analyzed using structural equation model software (i.e., SMART PLS 2.0 M3). The results of the empirical analysis show the relationships between innovation, relative advantage, perceived usefulness, perceived ease of use, attitude, and actual use of Fintech service users. The results of this study provide useful information to improve the practical use of Fintech services users in the Internet of Things (IoT) environment.

• International Commerce and Information Review
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• v.18 no.4
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• pp.263-281
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• 2016

The Importance of SEP (Standard Essential Patents) Procurement Operation is on the side of Governmental and Public both to accelerate the national trade negotiation competitiveness. To operate cooperative system of SEP creation and management, Government should monitor the effect and performance periodically to public sectors. and To achieve the support objectives, it should establish the virtuous circle infrastructure between R&D and economic performance on SEP. This can make the SEP enhancement to pursue the international competitiveness on Intellectual Property Rights. Especially the specific support approach to each phase of the SEP declaration matrix is essential to consolidate the possibility of SEP creation and acquisition. In this study, the concepts of SEP to accelerate the national trade negotiation competitiveness and the prior research were verified through the investigation of market trend and current state of affair analysis. Through the analysis of international and domestic situation of SEP procurement and management, We have found the results as follows. First of all, the leading conglomerates and the Government should focus on the secondary and tertiary industries to create and acquire SEPs to accomplish the effectiveness of selection and concentration. In second, the SMEs and Univ. Labs should focus on the quaternary sector of the economy to retain the competitiveness of speed and challenge on SEP related. From this study, the appropriateness of the tailored-support management model should be institutionalized, and the results implied an research in order to examine the suitability among the current SEP to enhance the competitiveness of national trade research issues.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.319-325
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• 2016

A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.

• KIPS Transactions on Computer and Communication Systems
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• v.6 no.10
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• pp.421-428
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• 2017

The need for various approaches to non-face-to-face identification technology for registering and authenticating users online is being required because of the growth of online financial services and the rapid development of financial technology. In general, non-face-to-face approaches can be exposed to a greater number of threats than face-to-face approaches. Therefore, identification policies and technologies to verify users by using various factors and channels are being studied in order to complement the risks and to be more reliable non-face-to-face identification methods. One of these new approaches is to collect and verify a large number of personal information of user. Therefore, we propose a big-data based non-face-to-face Identity Proofing method that verifies identity on online based on various and large amount of information of user. The proposed method also provides an identification information management scheme that collects and verifies only the user information required for the identity verification level required by the service. In addition, we propose an identity information sharing model that can provide the information to other service providers so that user can reuse verified identity information. Finally, we prove by implementing a system that verifies and manages only the identity assurance level required by the service through the enhanced user verification in the non-face-to-face identity proofing process.

• 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.

• The Journal of Society for e-Business Studies
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• v.21 no.4
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• pp.137-150
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• 2016

A variety of O2O (Online to Offline) services such as Uber, Airbnb, and KakaoTaxi that create new values by connecting offline and online have emerged in the world. O2O services support the convenience of online services and the real-life capability of offline services simultaneously. Thanks to the development of ICTs such as mobility, IoT (Internet of Things), Fin-tech, and big data technologies, the market size of O2O industry is growing very rapidly. This paper reviews various O2O services and industry trends in Korea. In addition, important issues on O2O services and industry promotion are reviewed and presented. Specifically, legislative issues regulating the O2O industry in Korea, interest conflicts between new O2O platform providers and existing traditional offline service providers, current technology infrastructures for O2O services, and negative or side effects of O2O services are reviewed and summarized. Finally, comprehensive policy directions are proposed based on these reviewed issues. It is expected that the proposed policy directions would be adopted by the government and this research could consequently contribute to strengthening the competitiveness of the O2O industry in Korea.

• The Journal of Society for e-Business Studies
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• v.20 no.3
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• pp.11-28
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• 2015

Due to the mobil-centered lifestyle following the wider use of Smartphones, Mobile services, including mobile banking and mobile shopping business have increased rapidly. Also with the emergence of "Fintech", which finance combined with technology, IT based financial market is going to be highly promising. In this trend, interests mobile credit cards are increasing. But diffusion of the mobile credit card services is still in the low level. In this situation, to identify factors that influencing satisfaction and continuous usage intention on mobile credit card, this study applied innovation diffusion theory (IDT) and post acceptance model (PAM). To conducting this research, survey data were collected, and we used SmartPLS to analyze survey data. As a result of the study, perceived easy of use, image, compatibility and facilitation positively affect user's satisfaction in mobile credit cards and that such satisfaction have a positive impact on continuous intention to use. The facilitation influences user satisfaction more strongly for those who use mobile credit cards more than plastic credit cards. Also, perceived of use and image influence user satisfaction more strongly for those who use plastic credit cards more than mobile credit cards. It is expected that this study can be a guideline for credit card service providers and policy makers to invigorate mobile credit card business. Also it worths as a early-stage research on Fintech-related studies.

• Journal of Service Research and Studies
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• v.7 no.2
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• pp.17-41
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• 2017

The purpose of this research is to investigate the factors that impact customer satisfaction and loyalty in mobile payment services. Specifically, this research (1) studies the influence of company reputation on customer satisfaction and loyalty, (2) examines service quality dimensions that increase customer satisfaction, and (3) assesses switching barriers as moderators in influencing customer loyalty. Findings of this empirical research reconfirm the point of view that company reputation, service quality, and switching barriers are crucial for customer satisfaction in mobile payment services. The research methodologies that were used to verify the hypothesis in this study included customized surveys and structural equation modeling. The results demonstrated that company reputation significantly affects customer satisfaction and loyalty. Additionally, the results indicated that only two of the five total service qualities, ease of use and the security/privacy qualities, have positive influences on customer satisfaction. Customer satisfaction has also proven to be a significant influence on loyalty. Lastly, the results showed that among the factors of switching barriers, the factors of lost performance costs, sunk costs, setup costs, the attractiveness of alternatives, and service recovery have moderating effects on the relationships between customer satisfaction and loyalty. Base on the results, this research recommends that firms aim at devising integrated strategies that make switching barriers act as complements to customer satisfaction.

• Journal of Technology Innovation
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• v.28 no.4
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• pp.97-126
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• 2020

This study evaluated its potentials by quantitatively analyzing the national economic impact of the smart home-related industry, which is attracting attention as a core industry of the 4th industrial revolution. For the analysis, the smart home-related industries were classified into manufacturing and service industries through a literature review of the previous studies. Using the 2018 input-output table, this paper analyzed linkage effects between industries as well as spillover effects in the production, value-added, employment and job. As a result, the smart home manufacturing and service sectors showed a higher spillover effect in value-added than other industries in each industrial field. In the smart home industry, the spillover effects of manufacturing sector to service sector are larger than those of service sector to manufacturing sector. Moreover, it was confirmed that smart home industry was highly related to not only the technology-intensive industry, but also the service sector for smart cities, smart cars, Fin-tech, and etc. On the other hand, the smart home manufacturing sector is a final demanding industry with relatively higher backward linkage effect than forward linkage effect. In the smart home service sector, the forward linkage effect was relatively high compared with the backward linkage effect, indicating that it was an industry with a high supply function to other industries.

• Convergence Security Journal
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• v.18 no.1
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• pp.19-31
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• 2018

As the ICT technologies advance, the unprecedently large amount of digital data is created, transferred, stored, and utilized in every industry. With the data scale extension and the applying technologies advancement, the new services emerging from the use of large scale data make our living more convenient and useful. But the cybercrimes such as data forgery and/or change of data generation time are also increasing. For the data security against the cybercrimes, the technology for data integrity and the time verification are necessary. Today, public key based signature technology is the most commonly used. But a lot of costly system resources and the additional infra to manage the certificates and keys for using it make it impractical to use in the large-scale data environment. In this research, a new and far less system resources consuming signature technology for large scale data, based on the Hash Function and Merkle tree, is introduced. An improved method for processing the distributed hash trees is also suggested to mitigate the disruptions by server failures. The prototype system was implemented, and its performance was evaluated. The results show that the technology can be effectively used in a variety of areas like cloud computing, IoT, big data, fin-tech, etc., which produce a large-scale data.