• 한국IT서비스학회지
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• 제17권1호
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• pp.47-58
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• 2018

In this study, we define Fintech services as review previous literatures and identify the traditional Fintech service market for analysing the economic effects of the Fintech Industry by using the 2014 Input-Output Table. We can identify the current market of Fintech industry which consists of VAN, PG, financial SW, mobile banking and Fintech R&D and we conduct Input-Output analysis by using non-competitive import model. The Input-Output analysis results show that production inducement effect and front/rear chain effect of the Fintech Industry are below average of other industries. This is because the Fintech technology and industry were emerging in Korea at that time (2014), and thus the ripple effects are not significant. Especially, due to the existing white risk financial regulation, new business opportunities have not been open to adapt new ICT-financial technologies. Therefore, when the business ecosystem is build through deregulation and platforms of the financial sector, it is expected that the Fintech Industry will have a high ripple effect. In this study, we identify the current market of Fintech industry from ICT indusries and conduct Input-Output analysis. The economic effects of the Fintech industry are not remarkable, but it is significant to identify the emerging market and present the basic analysis of issued research field.

• 인터넷정보학회논문지
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• 제13권3호
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• pp.127-137
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• 2012

스마트폰, 스마트기기 등의 기술 발전 및 확산은 기존의 IT 분야와 유관 산업이 접목하여 N-스크린 서비스를 제공하면서 이를 기반으로 한 금융거래 서비스가 빠르게 보편화되고 있다. N-스크린 서비스는 새로운 금융 서비스를 제공하는 전환점으로 국내에서도 정책 개선 및 기술향상을 위한 개발을 하고 있지만 아직 제공될 수 있는 금융 서비스의 인프라는 부족한 수준이며, 노출된 유 무선네트워크 환경 내 역공학적인 측면에서도 민감한 금융정보 유출 및 개인정보의 위험 가능성이 나타나고 있다. 본 논문에서는 앞서 제시한 문제점의 해결방안으로 N-스크린 환경 내에서 금융 서비스에 대한 위협 및 취약점을 다각적 측면으로 분석하였으며, 이를 기반으로 안전한 금융 서비스를 제공할 수 있는 금융보안 프레임워크를 제안한다. 또한 제시한 프레임워크를 효과적으로 활용될 수 있도록 정책 및 기술적 설계방안을 통해 가능성을 타진한다.

• 대한간호학회지
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• 제39권4호
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• pp.574-583
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• 2009

Purpose: This paper analyzed alternative methods of calculating the conversion factor for nurse-midwife's delivery services in the national health insurance and estimated the optimal reimbursement level for the services. Methods: A cost accounting model and Sustainable Growth Rate (SGR) model were developed to estimate the conversion factor of Resource-Based Relative Value Scale (RBRVS) for nurse-midwife's services, depending on the scope of revenue considered in financial analysis. The data and sources from the government and the financial statements from nurse-midwife clinics were used in analysis. Results: The cost accounting model and SGR model showed a 17.6-37.9% increase and 19.0-23.6% increase, respectively, in nurse-midwife fee for delivery services in the national health insurance. The SGR model measured an overall trend of medical expenditures rather than an individual financial status of nurse-midwife clinics, and the cost analysis properly estimated the level of reimbursement for nurse-midwife's services. Conclusion: Normal vaginal delivery in nurse-midwife clinics is considered cost-effective in terms of insurance financing. Upon a declining share of health expenditures on midwife clinics, designing a reimbursement strategy for midwife's services could be an opportunity as well as a challenge when it comes to efficient resource allocation.

• 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.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제15권11호
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.

• 융합보안논문지
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• 제7권2호
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• pp.65-71
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• 2007

전자금융거래를 위해 이용자 PC에서 작동되고 있는 보안프로그램은 금융정보를 탈취하려는 악의적인 자로부터 이용자들을 보호하기 위해 보안기능을 가지고 있는 프로그램이다. 하지만 금융범죄를 자행하기 위한 악의적인 자는 해킹을 이용하여 사이버 상에서 타인의 자산을 훔치는 것과 같은 범죄를 저지르고 있다. 따라서 본 논문에서는 백신 프로그램이나 개인 방화벽과 같은 보안프로그램의 보안기능을 우회하는 해킹 툴에 의해 데이터 절취가 가능한 취약점에 대해 분석하고 이에 대한 대응방안으로 현재 작동되고 있는 보안프로그램 중 PKI 응용프로그램과 키보드 보안프로그램의 연동으로 제공될 수 있는 종단간 암호화(End-to-End Encryption) 방안에 대해서 살펴본다.

• 한국IT서비스학회지
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• 제8권3호
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• pp.1-14
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• 2009

Due to economic turbulence and fierce competition in the IT service industry, companies have been seeking breakthrough of offerings by investing in research and development (R&D). This paper aims to examine the impact of R&D expenditure size on financial performance focusing on Korean IT service companies. The expected growth rate of revenue and net profit in the upcoming two years were analyzed based on three groups according to different R&D expenditure rates using collected data from 100 of IT service companies. Unlike our presumptions, our finding presents a non-significant relationship between the R&D expenditure size and companies' financial performance. An interesting result among others is that all companies invested in R&D strongly believe there will be an increase of their financial performance in the future.

• Journal of Information Technology Applications and Management
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• 제17권4호
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• pp.157-180
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• 2010

The IT services industry is considered as the leading industry of the ubiquitous age that raises a nation's overall productivity and efficiency. Therefore, it is receiving increasing attention as the industry that can bring about economic takeoff and successful overseas market entrance for the next generation. In order to achieve successful development, the industry should be competitive and armed with strategies that well demonstrate the characteristics of IT services. Therefore, it is important to explore the competitive factors of the industry for its qualitative development from the perspectives of IT services industry policies and as well as IT services companies. This study categorized IT services into three types-system integration, IT consulting, and IT outsourcing- and then examined the competitive factors of each service type and their relationships with financial and non-financial performances. In conclusion, the current competitiveness of domestic IT services industry is attributed to institutions environment rather than its competitive advantages in technology, quality, know-how, and highly qualified human resources. In order to facilitate the sound growth of the IT industry and seek reasonable market competition, the environment that puts its priority on the improvement of institutions environment and the ability to carry out a project needs to be established. In all, this study can be utilized as an important knowledge for the establishment of polices to foster IT services industry and of strategies that raise competitiveness to maximize the performances of companies.

• 정보처리학회논문지:컴퓨터 및 통신 시스템
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• 제7권3호
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• pp.73-80
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• 2018

스마트폰의 대중화와 금융서비스의 간편화에 따라 모바일 금융 서비스를 이용하는 비중이 늘어나고 있다. 하지만 기존의 금융 서비스를 위해 개발된 보안 키패드는 확률 분석 공격이 가능하며 보안 취약성을 지니고 있다. 이에 따라 본 논문에서는 이중 터치를 기반으로 한 보안 키패드 제안하며 이를 구현하였다. 이에 앞서 국내 모바일 금융 서비스의 모바일뱅킹과 모바일 간편 결제 서비스에서 사용되는 기존 보안키패드의 종류를 알아보고 취약점을 분석하였다. 더불어 본 연구에서 제안한 이중터치보안키패드와 기존의 보안키패드의 안전성을 기존의 키패드 공격(Brute Force Attack, Smudge Attack, 키로깅 공격, 어깨너머공격, Joseph Bonneau)의 인증 프레임워크를 활용하여 비교하였다. 분석된 결과에 따라 본 논문에서 제안하는 이중 터치를 통한 보안 키패드가 높은 안전성을 보여줌을 확인할 수 있다. 이중 터치를 통한 보안 키패드를 활용하면 보다 안전한 금융서비스를 이용할 수 있으며 그 외 모바일 환경에서 이뤄지는 서비스에 적용하여 안전성을 높일 수 있다.

• 한국전자거래학회지
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• 제24권4호
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• pp.79-107
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• 2019

전통적으로 은행 등 금융기관은 자신이 관리하는 고객의 계좌와 정보를 이용하여 지배적인 위치에서 금융서비스를 제공하여 왔다. 최근 유럽연합은 지급결제서비스지침을 개정하여 고객계좌에 대한 접근과 계좌 관련 정보의 제공을 제3자에게도 허용하는 것을 제도적으로 보장하여, 금융시장에서 경쟁을 촉진하고 혁신을 도모하고 있다. 그렇지만 이러한 변화는 잠재적인 보안위험을 증가시킬 수 있으며, 따라서 신·구 시장참여자 모두가 금융시장에서 보안위험에 적합하게 대응할 수 있도록 금융당국의 제도적인 대응이 요구된다. 본 연구에서는 유럽연합의 새로운 지급결제서비스지침(Payment Service Directive, PSD2)에서 확인할 수 있는 보안위험에 대한 제도적 대응을 분석하고 이를 국내의 전자금융규제와 비교·분석하여 시사점을 도출함으로써 국내 전자금융규제의 개선 방향을 제안하고자 한다.