• Fourth Industrial Review
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• v.2 no.1
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• pp.19-32
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• 2022

Purpose - As new technologies that have led the 4th industrial revolution spread after the COVID-19 pandemic, the business crisis of existing financial institutions and the threat of employee jobs are growing, especially in the financial sector. The purpose of this study is to propose a human-technology convergence curriculum for creating high value-added in financial institutions and upskilling financial manpower. Research design, data, and methodology - In this study, a curriculum was designed to strengthen job competency for Private Bankers, high-quality employees of a bank dealing with high-net-worth owners. The focus of the design is that learners acquire skills to use robo-advisors as a tool and supplement artificial intelligence ethics. Result - The curriculum is organized into a total of 16 classes, and the main contents are changes in the financial environment and financial consumers, the core technology of robo-advisors and AI ethics, and establishment and evaluation of hyper-personalized asset management strategies using robo-advisors. To achieve the educational goal, two evaluations are performed to derive individual tasks and team project results. Conclusion - Human-centered upskilling convergence education will contribute to improving employee value and expanding corporate high value-added business areas by utilizing new technologies as tools. It is expected that the development and application of convergence curriculum in various fields will continue to be advanced in the future.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.25 no.11
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• pp.1642-1648
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• 2021

We analyzes representative technologies of IoT patents and reflects these results in the curriculum of IoT. In order to identify the representative technologies, the IPC codes of the patents were analyzed. Among the main category IPC codes, the most used IPC codes were H04L in Single IPC Patent with 974 cases(32.0%) and G06Q in Multiple IPC Patent with 710 cases(29.2%). As a result of classifying the IPC code into the WIPO technology classification system, the most emphasized technologies are Digital Communication, accounting for about 60.5% in the Single IPC Patent and IT Methods for Management(710 cases, 29.2%) in Multiple IPC Patent. The main points to be considered when organizing the curriculum of IoT are: ∇Emphasis on Digital Communication, ∇Expansion of Education related to IT Methods for Management(Including entrepreneurship and patent application), and ∇Consideration of subjects related to the Convergence of IoT. This research can contribute to the curriculum design of new industrial technologies such as AI and Fintech.

• International journal of advanced smart convergence
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• v.4 no.2
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• pp.124-130
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• 2015

Infinite competition on ICT industries is starting again. The basis of competence over global dominance will be human resource, a global ecosystem for products and national agenda for science and technology, etc.. This paper presents the six solution for the Global Competitiveness and Coexistence of Korean ICT Industries. Korea should nurture the brand of "World Best Korean ICT Forever" to secure technical competency of ICT related fields in global market. All ICT technologies should be aligned to global standard and market demand from beginning and the ecosystem around product needs to be established. System framework for utilizing the resource of core SW experts must be established. Through global partnership with China as manufacturing base for Korea-developed products, technical competency can be maintained including product planning. Security measure for technical assets is mandatory. Finally, core technology that will drive the future of ICT industries in Korea should be regarded as core subjects.

• The Journal of Society for e-Business Studies
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• v.26 no.2
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• pp.143-155
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• 2021

In this study, we focused on the decenterization, innovation, interoperability, and transparency that blockchain technology brings in the financial services sector. Decentralized financial services powered by blockchain technology can leverage virtual assets to expand the scope of financial services and create new business opportunities while encouraging innovation in financial services. Based on the understanding of the concept of De-Fi, we will look at the need for technology and major use cases, and look at future challenges. This will help us understand the vision of developing new technologies for innovation, while identifying the potential as new areas of fintech services.

• Journal of Digital Convergence
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• v.19 no.5
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• pp.315-320
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• 2021

While blockchain platforms for various purposes have been developed and the blockchain ecosystem is being developed, interoperability problems are emerging in which each blockchain is isolated and operated. In this study, we introduce interchain and sidechain technologies, which are blockchain that connect blockchain, and explain examples of using heterogeneous blockchain transactions and functions by applying them. In addition, blockchain, artificial intelligence, and IoT technologies, which are drawing attention in the fourth industrial revolution, are going through a process of converging and developing beyond their own development. In this regard, we present processes for combining artificial intelligence or IoT in blockchain, and propose a model that can operate without intervention by applying the combination of blockchain and artificial intelligence IoT to processes for trading and exchange between heterogeneous blockchain.

• Knowledge Management Research
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• v.24 no.3
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• pp.149-172
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• 2023

With the development of information technology, new technologies to be introduced in each industry are continuously increasing. This study aims to verify the influence of ambivalent emotions experienced when encountering new technologies, the coping strategies they induce, and their impact on the decision-making process of technology adoption Specifically, this research investigates the emotions and responses to new technologies in the situational context where service providers must deliver services based on new technology in environments where no such services have been developed previously. Furthermore, it seeks to verify the influence of coping responses on the intention to use services based on new technologies. To this end, this study investigated the ambivalent emotions and coping responses of financial sector workers to new financial services based on metaverse technology. As a result of the analysis ambivalance had a significant effect on all four coping responses (disengagement-oriented coping, denial, indecision and compromise). Among them, denial, which is an inflexible response, and compromise, which is a flexible response, had a significant positive effect on the intention to use, and disengagement-oriented coping and indecision had a significant negative effect on the intention to use. The results of this study confirm the user's metaverse acceptance factor and user-centered influence, and are expected to provide guidelines for the introduction of services to practical workers with academic significance.

• Journal of Digital Convergence
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• v.16 no.6
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• pp.105-115
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• 2018

With the development of information and communication technologies, popularization of smart phones, and relaxation of the government regulation, mobile easy payment service is rapidly growing as a major financial service. Therefore, this study examines factors that influence the intention to use mobile easy payment service through empirical analysis. We collected 386 responses by survey and formed structural equation modeling with AMOS 22.0. The results show that technical factors(relative advantage, security), individual factor(self-efficacy), situational factors(trust in prior services and satisfaction of prior services) had a positive effect on the perceived value. In addition, perceived value had a positive effect on the intention to use mobile easy payment services. Lastly, subjective norms are closely related to the relationship between perceived value and intention to use mobile easy payment services. The results can be expected to provide useful references to the Fintech related industry fields.

• Journal of Convergence for Information Technology
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• v.10 no.11
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• pp.40-46
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• 2020

Safe security technology is required for the startup ecosystem according to the construction and service of a joint open platform in the financial sector. Financial industry standard open API recommends that payment-related fintech companies develop/apply additional security technologies to protect core API authentication keys in the mutual authentication process. This study proposes an enhanced API security protocol using multiple channels. It was designed in consideration of the compatibility of heterogeneous platforms by further analyzing the problems and weaknesses of existing open API related research. I applied the method of concealment to remove the additional security channels into a single channel of the existing security protocols. As a result of the performance analysis, the two-way safety of the communication session of the multi-channel and the security of the man-in-the-middle attack of the enhanced authentication key were confirmed, and the computational performance of the delay time (less than 1 second) in the multi-session was confirmed.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.6
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• pp.1513-1526
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• 2016

Since finance companies started e-banking services, those services have been diversified and use of them has continued to increase. Finance companies are implementing financial security policy for safe e-banking services, but e-Banking incidents are continuing to increase and becoming more intelligent. Along with the rise of internet banks and boosting Fintech industry, financial supervisory institutes are not only promoting user convenience through improving e-banking regulations such as enforcing Non-face-to-face real name verification policy and abrogating mandatory use of public key certificate or OTP(One time Password) for e-banking transactions, but also recommending the prevention of illegal money transfer incidents through upgrading FDS(Fraud Detection System). In this study, we assessed a blacklist based auto detection method suitable for overall situations for finance company, a real-time based suspicious transaction detection method linking with blacklist statistics model by each security level, and an alternative FDS model responding to typical transaction patterns of which information were collected from previous e-Banking incidents.

• Journal of Convergence for Information Technology
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• v.9 no.10
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• pp.9-15
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• 2019

Recently, in the field of next-generation e-commerce and finance, interest in blockchain-based technologies such as Bitcoin and Ethereum is great. Although the security of blockchain technology is known to be secure, hacking incidents / accidents related to cryptocurrencies are being issued. The main causes were vulnerabilities in the external environment, such as taking over login sessions on cryptocurrency wallets, exposing private keys due to malware infection, and using simple passwords. However, private key management recommends general methods such as utilizing a dedicated application or local backup and physical archiving through document printing. In this paper, we propose a white box password-based private key protection scheme. As a result of safety and performance analysis, we strengthened the security against vulnerability of private key exposure and proved the processing efficiency of existing protocol.