• 디지털콘텐츠학회 논문지
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• 제6권1호
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• pp.19-24
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• 2005

모바일 서비스는 언제, 어디서나 누구에게나 유연한 서비스를 제공할 수 있으며, 이러한 특징을 기반으로 기존의 유선 서비스로는 접근이 제한되는 곳까지 보편적 서비스를 제공함으로써 서비스의 확대와 함께 상호 연계성을 더욱 향상시킬 수 있다. 음성 통화료만으로 매출의 한계를 절감한 이동통신사들은 무선인터넷을 대안으로 보고 이를 집중 육성하였다. 특히 모바일뱅킹, 모바일 게임 등 각종 모바일 서비스를 위한 시스템을 개발하고 다양하고 차별화된 콘텐츠개발에 주력하여 무선인터넷 이용자의 확보에 노력하고 있다. 본 연구에서는 이러한 모바일 서비스를 위한 콘텐츠제작의 한 사례로서 모바일 기반의 전자장부시스템을 제안한다. 이 시스템은 유선 인터넷으로 금전관리를 하였을 때의 단점을 보완한 것으로서 휴대폰을 이용하여 자료를 입력하고 검색 또는 수정이 가능하도록 되어있어 공간과 시간의 제약 없이 언제 어디서나 지출과 수입이 일어난 시점에서 즉시 금전관리를 할 수 있다는 장점이 있다.

• 한국IT서비스학회지
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• 제16권2호
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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.

• 디지털산업정보학회논문지
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• 제8권2호
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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.

• Journal of Information Technology Applications and Management
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• 제13권4호
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• pp.155-165
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• 2006

Along with the evolution of wireless internet environment, information services in mobile internet are being explosively increased. However, due to the high expense for the use of those services, it is not easy to collect the devoted customers. In order to overcome the adverse conditions, the service should be supported by a strategic application system which facilitates easier and fast service for customer's information needs than that of traditional on-line internet. In this paper, we investigate the strategy how to provide the information service under the customer satisfaction, and also consider some ways of personalization of information service and information provision in real-time. As a result of the works, we develop a system, MoSA-CRM(Mobile Service Application based on CRM) to support customer-oriented information service. We believe that the MoSA-CRM system can provide some benefits for information providers in mobile e-commerce market such as flexibility in business strategy, systematic customer relationship management, and growth in financial ability.

• 한국정보시스템학회지:정보시스템연구
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• 제26권4호
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• pp.203-225
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• 2017

Purpose This paper tired to identify the consumers' tendency with individual features and social influence as the independent variables because of the importance of identifying the various needs of financial consumers in accordance with the expansion of new financial demands. Furthermore, this paper included the relative attraction of Fintech and switching cost from mobile banking to Fintech as the variables. Design/methodology/approach To analyze the empirical study, data was collected online by conducting the questionnaire survey with 247 individuals who had used the Fintech service. The study results would provide us with the understandings of the factors influencing on the customer satisfaction and switching value recognized by consumers in case of switching from the existing mobile banking to the Fintech service. Findings The results would provide useful implications to the academic and the practical fields including the Fintech enterprises expanding the activation of Fintech industry.

• International Journal of Advanced Culture Technology
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• 제8권4호
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• 한국IT서비스학회지
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• 제23권1호
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• pp.97-121
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• 2024

As data usage grows in importance, ensuring individual control over personal information becomes critical. The emergence of the 'MyData' concept addresses this, particularly in financial services. Although the institutional and technological framework for financial MyData services is in place, there's a need to establish consumer understanding and perception of its usefulness and safety for successful activation. This study focuses on investigating the impact of trust on the intention to use the new mobile banking service, financial MyData. This study has three objectives. Firstly, to analyze whether trust in financial MyData services and trust in financial MyData service providers affect the intention to use financial MyData services. Secondly, to analyze the process of forming trust in financial MyData services based on the phenomenon of transferring trust in service providers to trust in services. Thirdly, to identify the process by which trust transfer occurs between service providers and financial MyData services. Ultimately, the goal of this study is to promote the intention to use financial MyData services based on the concept of trust and to activate these services. In summary, this study emphasizes the significance of trust in financial MyData services, exploring its impact on user intention and the transfer of trust from providers to services. By promoting consumer trust, the research aims to contribute to the activation of financial MyData services.

• 한국컴퓨터정보학회:학술대회논문집
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• 한국컴퓨터정보학회 2020년도 제61차 동계학술대회논문집 28권1호
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• pp.105-106
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• 2020

This study is to find out how Korean teenagers think about mobile payment system. In the case of mobile payment using such a smartphone, a simple payment service is currently being implemented in Korea through deregulation of Active X and public certificates at the government level to provide users with more convenient financial services. This study conducted a pilot test to find out what they think about mobile payment service for high school students in Busan. As a result, Korean teenagers, especially high school students, responded very positively to the mobile payment service.

• 인터넷정보학회논문지
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• 제15권1호
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• pp.157-170
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• 2014

모바일 뱅킹을 이용한 거래 증가세가 지속되면서 모바일 금융 보안 위협 또한 증가하고 있다. 모바일 뱅킹은 금융사가 제작한 전용 앱을 통해 금융거래를 수행하는 방식으로 인터넷 뱅킹에 준하는 대부분의 서비스를 제공하고 있다. 모바일 뱅킹 전용 앱에서 저장하고 있는 신용카드 번호와 같은 개인정보는 해커의 악의적인 공격이나 모바일 단말 분실로 인해 2차적인 공격에 이용될 수 있다. 따라서 본 논문에서는 이러한 개인정보 유출에 의한 모바일 금융사고 위협에 대응하기 위해 모바일 단말에서 뱅킹 서비스 이용시 사용자의 입력 패턴과 거래 패턴을 이용하여 올바른 사용자에 의한 거래 시도인지 여부를 판단할 수 있는 이상치 탐지 방법을 제안한다. 사용자의 입력 패턴과 거래 패턴 데이터에는 특정 사용자를 식별할 수 있는 정보들이 포함되어 있으며, 따라서 이를 적절히 이용할 경우 올바른 사용자에 의한 금융 거래와 비정상 거래를 구분하기 위한 자료로 사용할 수 있다. 본 논문에서는 실험을 위해 스마트 폰에서 직접 사용자 입력 패턴 정보를 수집하였고, 국내 모 금융사에서 이상치 탐지에 사용하는 실험 데이터를 획득하여 거래 패턴 정보로 활용하였다. 수집된 정보를 바탕으로 입력 패턴 및 거래 패턴 기반의 탐지 실험을 진행한 결과, 효율적으로 이상 거래를 탐지할 수 있음을 확인하였다.

• 지능정보연구
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• 제20권2호
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• pp.163-178
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• 2014

본 연구는 스마트카드 가상화(ViSCa: Virtualization of Smart Cards) 플랫폼 기반의 모바일 결제 서비스를 제안하고 타 사례와 비교분석을 한다. 스마트카드 가상화 플랫폼 기반의 모바일 결제 서비스는 단말 가상화 기술을 이용하여 스마트카드 하드웨어를 가상화하고, 모바일 클라우드 기술을 통해 가상화된 스마트카드에 대한 통합 관리를 목표로 하는 Smart Cards as a Service (이하 SCaaS)이다. 스마트카드 가상화 플랫폼 기반 모바일 결제 서비스는 스마트카드를 가상화하여 클라우드에 저장한 후, 애플리케이션(이하 앱)을 통해 사용자 인증을 거쳐 모바일 클라우드에 저장된 스마트카드 중 한 가지를 선택하여 결제한다. 연구 범위 설정 및 사례 선정을 위해 선행연구에서 진행한 모바일 결제 서비스 분류 방식을 토대로 제안하는 서비스와 관련 있는 특징별, 서비스 유형별 그룹을 도출하였다. 공통적으로 기존 결제수단(신용카드) 정보를 모바일 기기에 저장하여 오프라인 매장에서 결제하는 특징을 지닌 것으로 나타났다. 도출된 그룹은 금융거래정보의 저장 위치에 따라 앱과 연결된 서버에 저장하는 '앱 방식'과 모바일 기기 내부의 보안요소(Secure Element, SE)에 금융거래정보가 담긴 IC(Integrated Circuit, 집적회로) 칩을 탑재하는 '모바일 카드 방식'으로, 2 가지 서비스 유형으로 나타낼 수 있다. 모바일 결제 서비스의 채택 요인 및 시장 환경 분석과 관련된 선행연구를 토대로 경제성, 범용성 보안성, 편리성, 응용성, 효율성, 총 6가지 비교분석을 위한 평가 요인을 도출하였으며, 스마트카드 가상화 플랫폼 기반 모바일 결제 서비스와 도출된 그룹에서 선정된 사례 5 가지를 비교 분석하였다.