• The Journal of the Korea Contents Association
• /
• v.19 no.5
• /
• pp.194-204
• /
• 2019

The mobile payment app market has been expanding recently. However, the usage rate of mobile payment apps is not meeting service providers' expectations due to concerns about security and privacy. This study investigated how personal predisposition and how the security signals of the payment app affect users' perceived privacy and security risks, and how these factors ultimately affect the trust of mobile payment apps. The results showed that privacy concerns increase the risk of perceived personal information leaks and reduce perceived mobile system security, while familiarity, perceived reputation, and assurance seal reduce the risk of perceived personal information leaks and increase perceived mobile system security. Finally, it revealed that the reduced risk of perceived personal information leaks and the increased security of mobile systems had a positive impact on the reliability of mobile payment apps.

• Journal of KIISE:Information Networking
• /
• v.29 no.4
• /
• pp.368-374
• /
• 2002

In the third generation mobile telecommunication systems such as UMTS, one of the important problems for value-added services is to check the recoverability of costs used by a mobile user. Previous authentication and payment schemes for value-added services by a mobile user across multiple service domains, rely on the concept of the on-line TTP, which serves as the users certification authority. In the third generation systems with many service providers, a wide range of services, and a diverse user population, authentication mechanisms with the on-line TTP provide a far from ideal solution. In this paper we present an efficient public-key protocol for mutual authentication and key exchange designed for value-added services in the third generation mobile telecommunications systems. The proposed ticket based authentication and payment protocol provides an efficient way for VASP to check the recoverability of costs without communication with the on-line TTP Furthermore, the proposed ticket based protocol can provide anonymous service usage for a mobile user.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.8
• /
• pp.287-296
• /
• 2021

Stepping into the technological boom time, Vietnam has integrated into the trends of using Fintech applications as a new means of payment. This article evaluates the relationship between perceived security (including service security and platform security), knowledge, confirmation, perceived usefulness, satisfaction, attitude and lastly enterprise's images regarding the service and continuous intention to use Fintech services. The survey results of 352 Vietnamese customers using Fintech services, reliability test and extended post-acceptance model (EPAM) which is based on PAM and ECT models. From the survey, we further found out that perceived security (BSS) has no direct impact on continued intention to use, while perceived security (BSS) has positive impact on confirmation (CON), similarly, perceived usefulness (PU) and user's satisfaction (SES). Knowledge of the Mobile Fintech payment service (KNOW) has a positive impact on perceived security (BSS). Confirmation (CON) has a positive influence on perceived usefulness but in the meanwhile it has created a negative impact on user's satisfaction (SES). From the survey it can also tell that user's attitude (ATT) and enterprise image (IMG) both have a positive impact on continual intention to use Fintech services. From the research results, we also propose some recommendation to enhance the continual intention to use Fintech services in Vietnam.

• Journal of Information Technology Applications and Management
• /
• v.26 no.2
• /
• pp.1-11
• /
• 2019

Recently, mobile and smart devices are rapidly spreading. As a result, financial settlement services, which were formerly face-to-face and PC-based, have now been replaced by mobile environments. One of the business areas that utilize FinTech is focused on the easy payment services. The main purpose of this study is to analyze empirically the factors affecting the acceptance of the easy payment services. To achieve this purpose, we surveyed the individuals who have some understanding about the easy payment services. The collected 206 data were used for statistical analysis. The results of the hypotheses test using structural equation model are summarized as follows. First, performance expectancy, social influence, and security perceived by users of the easy payment services have positive influence on positive attitude, but effort expectancy does not. Second, facilitating conditions and positive attitude of easy payment services have positive effects on service adoption. Based on the results of the analysis, it provided meaningful implications for practitioners and researchers in related fields.

• Journal of the Korea Society of Computer and Information
• /
• v.25 no.4
• /
• pp.157-163
• /
• 2020

The purpose of this study is to explore the impact of Union-Pay mobile payments on user viscosity from the perspective of service quality and brand personality. In the future, it is meaningful for CUP to obtain a stable and loyal user group in China's mobile payment market. This study uses SPSS22.0 and AMOS statistical analysis tools to conduct empirical research. In this case, this study uses mobile service quality and The brand personality is the independent variable, and the user's viscosity is the dependent variable, which studies the impact on the user's viscosity in the context of China Union-Pay mobile payment. the study. According to the analysis results, the research goal: service quality has a significant positive correlation effect on user perceived value; service quality has a significant positive correlation effect on user viscosity; perceived value has significant positive correlation effect on user viscosity; brand personality to user Viscosity has a significant positive correlation effect; brand personality has a significant positive correlation effect on user perceived value. Through this research, we can make Suggestions on the industrial development of mobile payment enterprises and provide better opinions on the development of mobile payment.

• Journal of the Korea Institute of Information and Communication Engineering
• /
• v.20 no.6
• /
• pp.1096-1102
• /
• 2016

Various services have been provided due to the recent development of IT technology and widespread usage of smartphones. In recent years, Fintech service that provides financial services through mobile devices has been the trending issue. However, mobile payment services haven't been widely used. The risk factors that appear when users seek to utilize a service, in particular, is one of the biggest hinderance in the expansion of mobile payment services. The failure of gaining the trust of the consumers appear to be the continuing hinderance factor. Therefore this study is to analyse the impact of perceived risk factors on trust and continuance intention of mobile payment services. For the research purpose, we conducted survey and the research results show that most of perceived risk factors have influence on trust and continuance intention except on the impact of perceived financial risk on trust.

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

• Journal of the Institute of Electronics Engineers of Korea TC
• /
• v.45 no.8
• /
• pp.82-90
• /
• 2008

In this paper, functional architecture for fare payment is designed that enables IT developers to create charge-related applications using telecommunications network elements. To support a business model that enables operators to offer integrated billing, a payment and an account management API is crucial. Using this model, a fare payment service consisting of a payment service and an account management service was created. Each service is based on the architecture of parlay X web services. For the modeling of payment and of account management, the new operation of "split charging" is required in Parlay X payment web services, as is the new operation "notification".

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.18 no.3
• /
• pp.41-48
• /
• 2017

Recently, there has been a lot of ongoing research regarding financial transactions and payments due to the emergence of financial technology (FinTech). Payments have been processed through cash and credit cards, and payment methods have been simplified and are more convenient, with mobile payment via mobile cards and mobile phones. This study offers a new mobile payment method by using a mobile phone instead of a card reader or terminal. For payments, authentication is processed with the user's biometrics and a built-in fingerprint scanner, and the payment is processed after receiving an authentication code issued by the authorizing institution to confirm the user's identity. User biometrics and payment information is secured from any kind of malicious hacker by saving it in a Fast Identity Online (FIDO) Trusted Execution Environment (TEE) section in a smartphone. Regarding key security, every key is securely created in the FIDO TEE section, providing secure mobile payment by neutralizing various malicious attacks, including sniffing and the man-in-the middle attack.

• The Journal of Information Systems
• /
• v.26 no.4
• /
• pp.247-284
• /
• 2017

Purpose The first purpose of this study is to investigate factors that are likely to influence user's intention to adopt third-party mobile payment platform. A comprehensive study about mobile payment services have used various variables to explain user's use intention based on the theory of reasoned action (TRA) or the theory of planned behavior (TPB). Variables such as simplicity, security, costs, relative advantage, individual mobility, subjective norm, trust, satisfaction, attitude towards use, perceived usefulness, perceived ease of use and so on. Among these factors, we expect to find out the most influential factors effecting user's use intention of the third-party mobile payment services. Second, we also examine whether the most influential factors have the same influence to different third-party mobile payment services by conducting comparative study of Alipay and WeChat Pay. Design/methodology/approach Empirical data for this study were collected from Chinese who has the experience using or have used Alipay or WeChat Pay. Participants needed to be familiar with Alipay or WeChat Pay because such users may be more aware of both the advantages and disadvantages of Alipay and WeChat Pay. We conduct a pilot test using Smart PLS 2.0, which includes 50 Alipay users and 82 WeChat Pay users. The result indicates that all the measurement fit for the context. And then 980 questionnaires were mainly sent out to the college students and the e-mails users randomly. To encourage participation, we give the participants a small gift as a present. Finally, we received a total of 683 replied. Data from respondents who gave incomplete or invalid answers were excluded to assure the validity of the constructs. 79 questionnaires were rejected, finally the valid data are 604 (with 372 Alipay users and 232 WeChat Pay users). Findings The results suggest that users' intention is determined by their trust on third-party mobile payment service and perceived usefulness of use. Comparative study results also indicated that the factors have different influence on Alipay group and WeChat Pay group, which offers a new aspect for academic field, and provides useful information to mobile payment service providers in China.