• Journal of Information Technology Services
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• v.14 no.4
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• pp.171-184
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• 2015

Nowadays, mobile commerce is having an increasingly profound impact on our daily lives, and offer interesting and advantageous new services. Mobile payment is an emerging and important application of mobile commerce in smart work, enabling users to use their mobile devices (especially mobile phones) for paying goods and services wherever they go. The appearance of m-payment is expected to provide us a convenient and bright future to enjoy. That is the common trend on over the world, but in Vietnam, although the number of smart phone users has been increasing rapidly, the adoption of m-payment system still didn't succeed completely. The research reviewed literature regarding mobile payment services, analyzed the impact of customer characteristics and system characteristics on m-payment adoption in Vietnam. To analyze the adoption behaviors of m-payment users, m-payment research model which consists of three customer-characteristics (m-payment trust, personal innovativeness, m-payment knowledge) and four m-payment system characteristics (mobility, reachability, convenience, compatibility) were studied. The results indicate that perceived usefulness, trust, and compatibility are the important predictors to the intention to use m-payment. This study will assist m-payment services suppliers in implementing appropriate business models and service strategies to successfully attract customer to use m-payment in Vietnam, allowing managers to exert appropriate investment, time, and effort for m-payment system development in designing smart working.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.6
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• pp.1527-1537
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• 2016

As increasing of smartphone penetration over the world, various mobile payment services have been emerged and fraud transactions have drastically increased. Although many financial companies have deployed security solutions to detect fraud transactions in on/off-line environment, mobile payment services still lack fraud detection solutions and researches. The mobile payment is mainly comprised of micro-payments and payment environment is different from other payments, so mobile-specialized fraud detection is needed. In this paper, we propose a FDS (Fraud Detection System) based on data mining for mobile payment services. The method of this paper is applied to the real data provided by a PG (Payment Gateway) company in Korea. The proposed FDS consists of two phases; (1) the first phase is focused on classifying transactions at high speed (2) the second is designed to detect abnormal transactions with high accuracy. We could detect 13 transactions per second with 93% accuracy rate.

• Journal of Satellite, Information and Communications
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• v.11 no.1
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• pp.12-15
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• 2016

Recently, with the pintech fever, competition among global IT companies in the mobile payment market is becoming more competitive. In this paper, we analyze the mobile payment technology trends. We describe the features, technical advantages and disadvantages for each mobile payment type using the short range communication and analyze the characteristics of each mobile payment services of the global market leader Apple, Samsung and Google has launched. Since the rapid growth in the mobile payment market is expected, the study of a variety of short range communication and security technology is considered to be necessary in order to provide more stable service.

• 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.

• Journal of Korean Society for Quality Management
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• v.45 no.1
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• pp.139-152
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• 2017

Purpose: The purpose of this study is how Chinese users' personal traits affect the intention to use mobile payment. This research selects personal innovativeness and habit of cash payment as personal traits, and considers perceived risks and relative advantage as personal beliefs. In addition, the research divided perceived risks into three multi-faceted risks, which are privacy risk, financial risk and performance risk. Methods: The method of this study used questionnaire survey to collect 241 data on users' perception on mobile payment, and also used a structural equation modeling method. Results: The result of this paper shows that all hypotheses are statistically significant except 4 hypotheses. Conclusion: The result of this study found that personal innovativeness is negatively related with all 3 kinds of perceived risks as anticipated. And Chinese users' traditional habit of cash payment negatively affects intention to use mobile payment but is not statistically significant affecting three perceived risks. Among perceived risks, privacy risk is the most negatively influencing factor to relative advantage.

• The Journal of the Korea Contents Association
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• v.20 no.12
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• pp.492-497
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• 2020

Today, banks around the world are making great efforts to adapt to the rapidly changing internal and external environment changes caused by the development of IT technology and to gain a competitive advantage in the market. In particular, in line with the rapid growth of smartphone usage, financial services are also provided in a variety of ways using Fintech, and one of the fastest growing areas is mobile simple payment. Mobile payment service is a financial service that pays the purchase price using a portable mobile device. As fintech, a convergence of financial services and information technology, it is recently used not only in financial services, but also in various industries. It is used in all fields where payment functions such as distribution are available. In the case of mobile cards, it shows that the usage rate of people in their 20s and 30s is increasing very much, so it can be said that the use of mobile payment services will continue to increase in the coming future. We know that simple payments are being used. However, it can be said that the research on the use of mobile payment services by these teenagers is somewhat incomplete. Therefore, this study investigated what factors are important for Korean teenagers to use mobile payment services. As a result, among the five hypotheses presented in this study, all hypotheses were adopted except for , which states that cash usage habits have no effect on innovation.

• Journal of Digital Contents Society
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• v.18 no.6
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• pp.1109-1118
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• 2017

With mobile payment always at the center of the fintech craze all over the world, many countries led by China, India, England and Brazil are dedicated to activating and supplying online and offline mobile payment services, securing competitive advantage in the global mobile payment market. However, Korea that had proudly considered itself as an IT power was crowded out of the top 10 ranking, falling behind even Australia, Mexico and Germany. Therefore, this study conducted an empirical research to measure the word-of-mouth intention of general consumers using offline mobile payment service in Korea. Furthermore, it comparatively analyzed the world's most powerful country, China, in mobile payment services, and analyzed the difference in consumer perception between Korea and China.

• 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 Korea Multimedia Society
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• v.6 no.5
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• pp.849-860
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• 2003

As mobile device is becoming more popular, E-Commerce changes into M-Commerce. Especially, IMT-2000 (International Mobile Telecommunication 2000) service is prepared for M-Commerce and this has USIM (Universal Subscriber Identity Module) as a core of certification of individuality and transactions. As a result, the area of mobile service going to expand by USIM. But, mobile services using USIM leave much to be desired, and developed application don't variety. In this paper, for the efficient design of USIM, the structure of USIM and protocol is analyzed, and secure payment solution in USIM is proposed. Specially, offline payment system is proposed for the verification of proposed protocols including security, saving, and calculation of balance. finally, the simulation of proposed payment system on USIM is performed using Java Card.

• Management & Information Systems Review
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• v.36 no.2
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• pp.113-132
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• 2017

This research focuses on the effect of consumer's innovativeness and the trust in other domain affecting the intention to use mobile payment services. The result of this paper reveals that consumer's innovativeness has both a direct impact on the intention to use mobile payment services and a indirect impact. Relative advantage and image play a mediating role between consumer's innovativeness and the intention to use mobile payment services. Moreover, the study reveals that the trust in other domain not only directly affects on the intention to use mobile payment services but also indirectly affects by mediating relative advantage, image, and perceived risk. This study indicated that a customer's established trust in other domain influences his or her trust in mobile payment services. Electronic payment service providers should consider that the trust-building process encompasses other domain as well as mobile relationships. And electronic payment firms should do their best to reduce customers' perceptions of risk.