• Korea Trade Review
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• v.45 no.2
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• pp.103-119
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• 2020

As the easy payment service is popularized and the competition in the service market is fierce, research on factors affecting users' continuous use of the easy payment service is becoming increasingly important. However, in the existing studies, the discussion of the continuous intention to use the consumer's simple payment service has not been sufficiently conducted. Existing research remains on the way of listing technology and consumer characteristics. To bridge this research gap, this study aims to integrate and modify ECM and UTAUT to consider factors influencing the continuous use of easy payment services. The user's expectations and the confirmation were considered as important factors to decide. For empirical analysis, a survey was conducted for 236 users who had experience with domestic easy payment service. As a result, it was verified that confirmation, performance expectancy, effort expectancy, social influence, and habit in regard to easy payment services are important for continuous use intention. Through this study, it is expected that the consumer's technology acceptance mechanism on the continuous use of simple payment will be grasped in more detail to develop academic discussions in the field. Implications from the results as well as limitations of the study are presented.

• 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.

• 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.

• Journal of Intelligence and Information Systems
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• v.28 no.4
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• pp.365-385
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• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• Journal of Korea Society of Digital Industry and Information Management
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• v.12 no.1
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• pp.51-61
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• 2016

Because the Apple Pay which created by U.S's Apple Inc. and launch of Samsung pay in last August in domestic, people have high interest in Pin-Tech industries and new method of easy payment. In this paper, it will study newly introduced Pin-Tech industries and marketability of Pin-Tech industries. Also it will propose safe use of Pin-Tech services based on cases in domestic and overseas. This paper is organized as follows. In Chapter 2, it will study concept of Pin-Tech services and status of Pin-Tech services in domestic and overseas. In Chapter 3, it will look technical trends of Pin-Tech services. In Chapter 4, it will propose direction based on analysis of cases of Pin-Tech services. This paper will finish with conclusion in Chapter 5. Given the global trends, Korea is now just took the first steps in new Pin-Tech era. The Pin-Tech services are in situations that it is not yet activated in domestic due to the various financial regulations and procedures. In this paper, it will shows cases of concerns of Pin-Tech services and domestic authentication which relates to easy payment certification. If Pin-Tech services are develop with easy payment certification and adapt to domestic environment and develop based on stability and security as mentioned in this paper, domestic Pin-Tech services and security technology will grow to the world level. Also it requires unceasing research and efforts from relevant government officials, security companies and Pin-Tech ICT companies.

• Journal of Digital Convergence
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• v.15 no.4
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• pp.387-393
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• 2017

This study sought to improve the mobile easy payment services available in Korea by conducting a comparison analysis of Kakaopay, the front-runner of the mobile easy payment services in Korea's FinTech industry, compared to Naverpay, the relative newcomer in the industry. The services were compared by analysing users' experience. First, a literature review on the theoretical background of the FinTech and its characteristics was performed. Secondly, a survey created by reframing the six elements of the "Creating Pleasurable interfaces Model" by Stephen Anderson was conducted. In result, Kakaopay showed limited applicability caused by the lack of affiliated stores and it also showed the lack of reliability due to errors and cancellations related to the payments. It was shown that Naverpay also needs to make an effort to improve the reliability by minimizing errors in the use of the program and payments. This current study aimed to contribute as a resource which can be used, in the future, to improve the users' experience in FinTech services offered in Korea and also to invigorate the Fintech industry.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.385-388
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• 2020

At present, the payment system in Thailand changes from a paper-based system to a cashless payment system. A coin has its two sides, so the cashless payment has its advantages and disadvantages. This article describes the general advantages and disadvantages of a cashless society in Thailand in the COVID-19 situation. The cashless payment in Thailand consists of credit cards, automated teller machines, direct debit, mobile/Internet banking, e-Wallet, PromptPay, and QR code. The cashless payment is able to assist the government for tax collection accuracy and facilitates users to make financial transactions more transparent and efficient. In addition, the cashless system provides benefits to businesses in which they are able to increase sales and expand business by providing convenient, safe and faster services to customers in making payment for goods/services. It assists businesses to save time and cost of cash management and reduce the paperwork. The cashless payment made the life of students, housewives, and elderly people very easy to carry out financial transactions and there is no need to meet the financial institution staff. This payment system needs advanced technology system skills, a smartphone, and a technology facility. Finally, the cashless payment can reduce the spreading of COVID-19.

• 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.

• The Journal of the Korea Contents Association
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• v.17 no.11
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• pp.525-532
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• 2017

The purpose of this study is to investigate the effect of mobile payment service quality(system quality, service quality) on the formation of trust(cognitive trust, affective trust) and the effect of trust on satisfaction. In addition, we examined gender differences in the process of trust affecting satisfaction. The 188 sets of data collected, those were tested against the model using PLS. The results showed that system quality affected cognitive trust, service quality affected cognitive trust and affective trust, and both cognitive trust and emotional trust had an effect on satisfaction. In addition, the influence of cognitive trust on satisfaction was stronger for males, and affective trust had more influence on satisfaction for females.

• Informatization Policy
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• v.23 no.4
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• pp.59-75
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• 2016

In the era of convergence, more attention is paid to development of Fintech which attempts for innovation of the financial transaction paradigm through ICT. Proliferation of Fintech to engraft finance-related services on mobile and ICT is found in various fields such as loans, investment and asset management in addition to simple payment or remittance services but awareness of consumers regarding the matter is rather low. Therefore, it is the time to conduct a research on various Fintech businesses. This thesis conducted an empirical research from the viewpoint of consumers to investigate influence on continuous use intention of Fintech users. From the user environment perspective, it was found that influence of innovativeness on satisfaction was not statistically significant. In case of the product characteristics, perceived risk did not have statistical significance on satisfaction.