• Information Systems Review
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• v.25 no.4
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• pp.291-314
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• 2023

The concept of Mydata emerged with the expansion of the data economy. MyData aims to empower individuals by enhancing their right to self-determination over their personal data. The use of MyData is expected to enable the provision of innovative service in various fields. Since 2022, MyData has been introduced and actively used in the financial sector. In the future, not only financial institutions but also Bigtech and Fintech companies are expected to actively join and demonstrate rapid expansion. To ensure steady growth for MyData in the financial sector, it is necessary to assess acceptance behaviors from multiple perspectives. However, the majority of existing research solely focuses on positive acceptance. This study analyzed the impact of users' personal characteristics and innovation characteristics on both innovation resistance and acceptance resistance. The analysis revealed that personal and innovation characteristics contribute to an increase in distrust and innovation resistance in the MyData service. In addition, it has been confirmed that it can lead to actions such as delayed acceptance and refusal to accept. The results of this study offer both theoretical and practical insights into user behavior within the MyData service market.

• Knowledge Management Research
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• v.23 no.4
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• pp.133-157
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• 2022

As data becomes a new core resource with high attention, MyData service is spreading to various fields such as finance, medical care, and the public sector. However, research on the behavior of MyData service users is insufficient. Therefore, this study aims to empirically examine the effect of MyData service traits on value perception and acceptable behavior particularly in the financial sector where MyData service is most active. To this end, this study proposed a research model based on the literature. 295 survey responses were collected from individuals and analyzed using AMOS 26.0 for hypothesis testing. As a result of the analysis, it was found that self-information control, financial convenience, and personalized service had a significant effect on perceived value, and that perceived value had a significant effect on the intention to accept MyData service. Furthermore, this study examined the role of personal innovation and technological security in the relationship between variables by suggesting them as moderators. Results show that individual innovation was found to strengthen the relationship between two variables(self-information control and personalized service) and perceived value. Also, technological security was shown to strengthen the relationship between perceived value and intention to accept financial MyData services. The findings are expected to provide useful information to understand the factors affecting the acceptance of financial MyData service users and to understand the importance of individual innovation levels and technological security.

• Journal of Information Technology Services
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• v.22 no.1
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• pp.29-42
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• 2023

Amid the global movement to harness individual data and boost the data economy, MyData services that utilize personal data are being implemented in earnest in the financial sector in Korea due to the government's active encouragement policy. To this end, MyData service providers must have a service system for business operators that collects and efficiently loads personal information scattered in various financial institutions with individual consent, and comprehensively analyzes and provides it. The system must not only have strict security management capabilities, but also be built in a flexible form that takes into account future data scalability and additional services. In this paper, it has been proposed to be implemented the essential functions that MyData service system must have and the core functions that can manage the entire data life cycle from data collection, distribution to disposal in the form of a platform. In addition, the strengths of the platform structure were reviewed, and the effectiveness of the platform model was examined upon application.

• Journal of Korea Society of Industrial Information Systems
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• v.29 no.2
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• pp.101-117
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• 2024

The purpose of this study is to consider the characteristics perceived by users who utilize MyData services in the financial sector. It aims to examine how these factors influence users' understanding for sustained usage and their resistance to innovation. The research seeks to explore the relationship between users' awareness of characteristics and its impact on both enhancing comprehension for continued usage and addressing users' resistance to innovation. Utilizing a specialized survey agency, we examined the relative effects of innovation resistance factors, such as relative advantage, perceived risks, complexity, clarity and perceived ease of use on MyData service users. Furthermore, this research focuses on employing empirical analysis to validate the relationships between these factors through the survey. The findings of this study suggest that MyData service should dedicate ongoing efforts to minimize user resistance to service utilization. Specifically, it was revealed that among the innovation resistance factors, perceived ease of use, relative advantage, perceived risk, and complexity exert influence in that order.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.21 no.12
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• pp.873-879
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• 2020

The importance of data as a core resource of the 4th industrial revolution is emerging, and companies illegally collect and use personal data. In the financial sector, active research is conducted to safely manage personal data and provide better services using blockchain, big data, and AI technology. In this paper, we propose a system that can safely manage personal data by using blockchain technology, which can be used without changing the existing system. The composition of this system consists of a blockchain, blockchain linkages, a service provider, and a user (i.e., an app). Blockchain can be used regardless of its type and form, and services are provided by classifying blockchains and services in the blockchain linkages. Service providers can access personal data only after requesting and receiving delegated permission from users. Existent MyData services store all data in a user's mobile phone, so information may get leaked due to jailbreaks or rooting. But in the proposed system, personal data are stored in blockchain so information leakage can be prevented. In the future, we will study ways to provide customized services using personal data stored in blockchain.

• The Korean Society of Law and Medicine
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• v.24 no.2
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• pp.35-77
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• 2023

As the amendment to the Personal Information Protection Act, which newly established the basis for the right to request transmission of personal information, was promulgated through the plenary session of the National Assembly, MyData, which was previously applied only to the financial sector, could spread to all fields. The right to request transmission of personal information is the right of the information subject to be guaranteed for the realization of MyData. However, since the right to request transmission of personal information stipulated in the Personal Information Protection Act is designed to be applied to all fields, not a special field such as the medical field, it has many shortcomings to act as a core basis for implementing MyData in Medicine. Based on this awareness of the problem, this paper compares and analyzes major legal trends related to the right to portability of personal health information at home and abroad, and examines the limitations of Korea's Personal Information Protection Act and Medical Act in realizing Medical MyData. Under the Personal Information Protection Act, the right to request transmission of personal information is insufficient to apply to the medical field, such as the scope of information to be transmitted, the transmission method, and the scope of the person obligated to perform the transmission, etc.. Regulations on the right to access medical information and transmission of medical records under the Medical Act also have limitations in implementing the full function of Medical My Data in that the target information and the leading institution are very limited. In order to overcome these limitations, this paper prepared a separate and independent special law to regulate matters related to the use and protection of personal health information as a measure to improve the legal system that can effectively guarantee the right to portability of personal health information, taking into account the specificity of the medical field. It was proposed to specifically regulate the contents of the movement and transmission system of personal health information.