• 제목/요약/키워드: Naver Pay

검색결과 10건 처리시간 0.02초

텍스트마이닝 방법을 이용한 간편결제서비스 이용자의 질문 분석 (Research on the Users' Inquiries on the Easy Payment Services using Text Mining Method)

  • 김명숙;김지연
    • 한국멀티미디어학회논문지
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    • 제25권2호
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    • pp.269-279
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    • 2022
  • Though easy payment service is the most well accepted one among various fin-tech services, the users still face difficulties and feel embarrassed when they use it. Over the past few years, many studies have been done on the users' experiences of easy payment service but there are little studies directly exploring the users' inquiries on the web. In this paper, we analyzed users' questions on Kakao Pay, Naver Pay, and Samsung Pay in Naver Jisik-iN, the biggest inquiry service in Korea from 2019 to 2020. We used keyword analysis, association analysis, and sentiment analysis. We found out that each payment service has distinct inquiries from the users according to its platform which it is based on.

이커머스 후불결제(BNPL) 수용에 영향을 미치는 요인: 네이버쇼핑과 쿠팡 간 다중집단 비교 (Factors Affecting Consumers' Acceptance of e-Commerce Consumer Credit Service: Multiple Group Path Analysis by Naver Shopping and Coupang)

  • 김수진;모정훈
    • 한국전자거래학회지
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    • 제27권2호
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    • pp.105-135
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    • 2022
  • 코로나19로 인한 이커머스 거래의 급증으로 해외에서는 Buy Now Pay Later(선구매 후결제, 이하 BNPL)가 밀레니얼 세대 사이에서 차세대 결제 수단으로 부상했다. 국내에서는 네이버 쇼핑과 쿠팡이 후불결제를 제공해 고객 락인(lock-in) 효과, 카드사 수수료 절감, 소매금융사업 진출 등을 도모한다. 그러나 소비자 관점에서 후불결제의 수용에 영향을 미치는 요인에 관한 국내 연구는 부족하다. 이에 20~30대 대상으로 실증연구를 진행한 결과, 후불결제 수용에 영향을 미치는 요인은 네이버쇼핑은 호환성>혁신저항>충동구매 성향, 쿠팡은 호환성> 상대적 이점>혁신저항>추가가치 순으로 나타났다. 한편 네이버쇼핑은 충동구매 성향이 수용의도에 정(+)의 영향을 미치므로 연체율 관리가 관건이며, 쿠팡은 충동구매 성향이 지각된 위험에 정(+)의 영향을 미치므로 연체료, 신용등급 하락 등 위험 요소를 충분히 전달하고 후불결제로 유도한다는 느낌을 소비자가 받지 않도록 해야 한다. 후불결제 수용을 높이려면 타깃 고객을 세분화하고 버티컬 커머스와 제휴하는 방안을 추천한다.

데이터 주도 접근법을 활용한 소프트웨어 테스트 자동화 : 온라인 쇼핑몰 결제시스템 사례 (Software Test Automation Using Data-Driven Approach : A Case Study on the Payment System for Online Shopping)

  • 김성용;민대환;임성택
    • 한국IT서비스학회지
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    • 제17권1호
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    • pp.155-170
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    • 2018
  • This study examines a data-driven approach for software test automation at an online shopping site. Online shopping sites typically change prices dynamically, offer various discounts or coupons, and provide diverse delivery and payment options such as electronic fund transfer, credit cards, mobile payments (KakaoPay, NaverPay, SyrupPay, ApplePay, SamsungPay, etc.) and so on. As a result, they have to test numerous combinations of possible customer choices continuously and repetitively. The total number of test cases is almost 584 billion. This requires somehow automation of tests in settling payments. However, the record playback approach has difficulties in maintaining automation scripts due to frequent changes and complicated component identification. In contrast, the data-driven approach minimizes changes in scripts and component identification. This study shows that the data-driven approach to test automation is more effective than the traditional record playback method. In 2014 before the test automation, the monthly average defects were 5.6 during the test and 12.5 during operation. In 2015 after the test automation, the monthly average defects were 9.4 during the test and 2.8 during operation. The comparison of live defects and detected errors during the test shows statistically significant differences before and after introducing the test automation using the data-driven approach.

모바일 간편 결제 서비스 활성화 전략 : 토픽 모델링과 PEST - SWOT 분석 방법론을 기반으로 (Proposal of Promotion Strategy of Mobile Easy Payment Service Using Topic Modeling and PEST-SWOT Analysis)

  • 박성우;김세형;강주영
    • 지능정보연구
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    • 제28권4호
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    • pp.365-385
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    • 2022
  • 간편 결제 서비스는 간편 인증 수단을 이용한 결제 및 송금 서비스이다. 코로나 19로 인해 온라인 거래가 증가하면서 간편 결제 서비스 이용이 증가하고 있다. 이와 함께 네이버페이, 카카오페이, 토스와 같은 전자금융업이 간편 결제 시장의 경쟁 구도를 다각화하고 있다. 해외의 핀테크 기업인 PayPal과 Alibaba는 자국 내 독보적인 점유율을 보유하고 있지만, 국내 간편 결제 시장은 독보적인 점유율을 차지하고 있는 업체가 없어 경쟁이 심화되고 있다. 본 연구에서는 간편 결제 시장 참여자를 전자금융업자, 휴대폰 제조업자, 금융회사로 분류하고, 각 업종의 대표적인 서비스들에 대해 SWOT 분석을 진행하였다. 구글 플레이스토어 실 사용자 후기를 토픽모델링 기법을 사용하여 분석하였고, 긍정 토픽을 강점으로 부정 토픽을 약점으로 활용하였다. 또한, 뉴스 기사를 P(정치), E(경제), S(사회), T(기술)로 나누어 토픽모델링을 진행하여 간편 결제 서비스에 대한 기회와 위협을 도출하였다. 본 연구를 통해 간편 결제 시장 참여자가 자사의 서비스 역량을 확인할 수 있도록 하고, 서비스별로 간편 결제 시장에서 우위를 점할 수 있는 서비스 활성화 전략을 제안하고자 한다.

플랫폼비즈니스 성공요소의 경쟁력 비교 분석에 관한 연구 (A Study on Comparative Analysis for Competitiveness of Success Factors of the Platform Business)

  • 장정훈;이광형;노규성
    • 디지털융복합연구
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    • 제14권3호
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    • pp.243-250
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    • 2016
  • 글로벌 시장에서 플랫폼비즈니스의 중요성이 높아지고 있지만 국내에서는 글로벌 경쟁력을 갖춘 플랫폼비즈니스가 출현하지 않고 있다. 이에 따라 본 연구는 국내 플랫폼비즈니스와 글로벌 플랫폼비즈니스의 6가지 성공요소에 대한 경쟁력을 비교 분석하였다. 이를 위해 국내 ICT 분야 종사자 104명을 대상으로 SNS서비스(카카오톡 페이스북), 모바일결제 시스템(삼성페이 애플페이), 디지털 콘텐트(네이버 유투브), 직접구매(G마켓 아마존), 교육(K-MOOC MOOC) 등의 경쟁력을 설문 조사했다. 그 결과 국내 플랫폼비즈니스는 미국의 비즈니스에 비해 창조역량과 새로운 가치 창출, 비용 절감과 네트워크 효과, 새로운 생태계를 조성, 끊임없이 변화하고 진화하는 역량이 열세인 것으로 나타났다.

클라우드 스토리지 서비스에 대한 개인 사용자의 선호 요인 연구 (A Study on Individual User's Preference for Cloud Storage Service)

  • 이세원;홍아름;황준석
    • 기술혁신연구
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    • 제23권1호
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    • pp.1-36
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    • 2015
  • 본 논문에서는 Daum클라우드, 네이버 N드라이브, 구글드라이브, 드롭박스, 마이크로소프트 SkyDrive, 애플 iCloud와 같은 클라우드 스토리지 서비스 기술혁신에 있어서의 각 속성에 대한 개인 사용자의 선호요인을 컨조인트 방법론으로 분석하였다. 기존 연구 문헌을 통해서 클라우드 스토리지 서비스를 구성하는 주요한 속성으로 무료저장용량, 인지된 비용, 파일공유 기능을 통한 협업성 여부, 모바일 접근성, 사회적 영향력, 신뢰성을 기반으로 한 인지된 보안의 6가지를 요소를 추출하였다. 또한 컨조인트 분석 결과 6가지 속성 모두 클라우드 스토리지 서비스 선호에 통계적으로 유의함을 확인할 수 있었다. 컨조인트 분석결과 가장 중요한 속성은 접근성 이었으며, 그 다음으로 중요한 속성은 무료저장용량과 협업성 이었다. 그 결과로부터 더 진일보된 기술 혁신을 위한 클라우드 스토리지 서비스 생태계 조성을 위해 각 회사의 서비스 간 상호호환성에 기반한 통합적인 클라우드 스토리지 서비스 제공이 중요할 것이라는 함의를 찾을 수 있었다. 본 논문의 방법론에서 접근성과 협업성을 경제적 카테고리로 묶고, 저장용량과 인지된 비용을 기술적 카테고리로, 사회적 영향력과 인지된 보안을 환경적 카테고리로 분류하였을때, 기술적인 부분이 가장 중요하게, 그 다음으로 경제적인 부분이, 그리고 그 뒤로 환경적인 요인이 중요하다는 결과가 나왔다. 시사점에서는 연구 결과를 바탕으로 현재의 클라우드 스토리지 서비스를 더욱 개선, 발전시킬 수 있는 사항들을 제안해 보았다.

Analysis of Some Online Questions with High Frequency about Dental Treatment in Korea

  • Kang, A-Reum;Go, Ye-Eun;Kim, Ka-Eun;Kim, Min-Joo;Kim, Seon-Jeong;Hwang, SooJeong
    • 치위생과학회지
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    • 제19권3호
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    • pp.190-197
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    • 2019
  • Background: The Internet has advantages in terms of accessibility and amount of information, and the search for health information over the Internet is increasing exponentially. The purpose of this study is to analyze the information generated about some dental treatment on the internet by year. Methods: Naver Knowledge (JisikIn in Korean) which is an interactive search service was selected as the first search site in Korea. Scaling, wisdom tooth extraction, and endodontic treatment that can be paid by Korean health insurance were selected. Finally, 4,729 questions about scaling, 23,963 wisdom teeth extraction questions and 17,733 endodontic treatment questions were extracted. The question contents, the information about the questioner and the answerer, and an error of answers were investigated. Frequency analysis was used and chi-square test was used if necessary. Results: The most frequently asked questions were discomfort and dissatisfaction after the treatment. The need for treatment was the second in questions of the wisdom tooth extraction and endodontic treatment, but the health insurance benefit was the second in dental scaling. Most of the questioners didn't disclose personal information. The public answered the most in 2013~2014, but the highest percentage of the respondents was experts in 2017. Responses were mostly personal experience, but showed a tendency to decrease with years, and professional knowledge showed an increasing tendency. The error of the answer has also gradually decreased. Conclusion: Questions about dental care over the Internet are increasing exponentially, experts are responding increasingly, and errors in answers are decreasing. Nevertheless, it is necessary to pay attention to the related expert group to prevent misinformation.

A Study on the Meaning and Strategy of Keyword Advertising Marketing

  • Park, Nam Goo
    • 유통과학연구
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    • 제8권3호
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    • pp.49-56
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    • 2010
  • At the initial stage of Internet advertising, banner advertising came into fashion. As the Internet developed into a central part of daily lives and the competition in the on-line advertising market was getting fierce, there was not enough space for banner advertising, which rushed to portal sites only. All these factors was responsible for an upsurge in advertising prices. Consequently, the high-cost and low-efficiency problems with banner advertising were raised, which led to an emergence of keyword advertising as a new type of Internet advertising to replace its predecessor. In the beginning of 2000s, when Internet advertising came to be activated, display advertisement including banner advertising dominated the Net. However, display advertising showed signs of gradual decline, and registered minus growth in the year 2009, whereas keyword advertising showed rapid growth and started to outdo display advertising as of the year 2005. Keyword advertising refers to the advertising technique that exposes relevant advertisements on the top of research sites when one searches for a keyword. Instead of exposing advertisements to unspecified individuals like banner advertising, keyword advertising, or targeted advertising technique, shows advertisements only when customers search for a desired keyword so that only highly prospective customers are given a chance to see them. In this context, it is also referred to as search advertising. It is regarded as more aggressive advertising with a high hit rate than previous advertising in that, instead of the seller discovering customers and running an advertisement for them like TV, radios or banner advertising, it exposes advertisements to visiting customers. Keyword advertising makes it possible for a company to seek publicity on line simply by making use of a single word and to achieve a maximum of efficiency at a minimum cost. The strong point of keyword advertising is that customers are allowed to directly contact the products in question through its more efficient advertising when compared to the advertisements of mass media such as TV and radio, etc. The weak point of keyword advertising is that a company should have its advertisement registered on each and every portal site and finds it hard to exercise substantial supervision over its advertisement, there being a possibility of its advertising expenses exceeding its profits. Keyword advertising severs as the most appropriate methods of advertising for the sales and publicity of small and medium enterprises which are in need of a maximum of advertising effect at a low advertising cost. At present, keyword advertising is divided into CPC advertising and CPM advertising. The former is known as the most efficient technique, which is also referred to as advertising based on the meter rate system; A company is supposed to pay for the number of clicks on a searched keyword which users have searched. This is representatively adopted by Overture, Google's Adwords, Naver's Clickchoice, and Daum's Clicks, etc. CPM advertising is dependent upon the flat rate payment system, making a company pay for its advertisement on the basis of the number of exposure, not on the basis of the number of clicks. This method fixes a price for advertisement on the basis of 1,000-time exposure, and is mainly adopted by Naver's Timechoice, Daum's Speciallink, and Nate's Speedup, etc, At present, the CPC method is most frequently adopted. The weak point of the CPC method is that advertising cost can rise through constant clicks from the same IP. If a company makes good use of strategies for maximizing the strong points of keyword advertising and complementing its weak points, it is highly likely to turn its visitors into prospective customers. Accordingly, an advertiser should make an analysis of customers' behavior and approach them in a variety of ways, trying hard to find out what they want. With this in mind, her or she has to put multiple keywords into use when running for ads. When he or she first runs an ad, he or she should first give priority to which keyword to select. The advertiser should consider how many individuals using a search engine will click the keyword in question and how much money he or she has to pay for the advertisement. As the popular keywords that the users of search engines are frequently using are expensive in terms of a unit cost per click, the advertisers without much money for advertising at the initial phrase should pay attention to detailed keywords suitable to their budget. Detailed keywords are also referred to as peripheral keywords or extension keywords, which can be called a combination of major keywords. Most keywords are in the form of texts. The biggest strong point of text-based advertising is that it looks like search results, causing little antipathy to it. But it fails to attract much attention because of the fact that most keyword advertising is in the form of texts. Image-embedded advertising is easy to notice due to images, but it is exposed on the lower part of a web page and regarded as an advertisement, which leads to a low click through rate. However, its strong point is that its prices are lower than those of text-based advertising. If a company owns a logo or a product that is easy enough for people to recognize, the company is well advised to make good use of image-embedded advertising so as to attract Internet users' attention. Advertisers should make an analysis of their logos and examine customers' responses based on the events of sites in question and the composition of products as a vehicle for monitoring their behavior in detail. Besides, keyword advertising allows them to analyze the advertising effects of exposed keywords through the analysis of logos. The logo analysis refers to a close analysis of the current situation of a site by making an analysis of information about visitors on the basis of the analysis of the number of visitors and page view, and that of cookie values. It is in the log files generated through each Web server that a user's IP, used pages, the time when he or she uses it, and cookie values are stored. The log files contain a huge amount of data. As it is almost impossible to make a direct analysis of these log files, one is supposed to make an analysis of them by using solutions for a log analysis. The generic information that can be extracted from tools for each logo analysis includes the number of viewing the total pages, the number of average page view per day, the number of basic page view, the number of page view per visit, the total number of hits, the number of average hits per day, the number of hits per visit, the number of visits, the number of average visits per day, the net number of visitors, average visitors per day, one-time visitors, visitors who have come more than twice, and average using hours, etc. These sites are deemed to be useful for utilizing data for the analysis of the situation and current status of rival companies as well as benchmarking. As keyword advertising exposes advertisements exclusively on search-result pages, competition among advertisers attempting to preoccupy popular keywords is very fierce. Some portal sites keep on giving priority to the existing advertisers, whereas others provide chances to purchase keywords in question to all the advertisers after the advertising contract is over. If an advertiser tries to rely on keywords sensitive to seasons and timeliness in case of sites providing priority to the established advertisers, he or she may as well make a purchase of a vacant place for advertising lest he or she should miss appropriate timing for advertising. However, Naver doesn't provide priority to the existing advertisers as far as all the keyword advertisements are concerned. In this case, one can preoccupy keywords if he or she enters into a contract after confirming the contract period for advertising. This study is designed to take a look at marketing for keyword advertising and to present effective strategies for keyword advertising marketing. At present, the Korean CPC advertising market is virtually monopolized by Overture. Its strong points are that Overture is based on the CPC charging model and that advertisements are registered on the top of the most representative portal sites in Korea. These advantages serve as the most appropriate medium for small and medium enterprises to use. However, the CPC method of Overture has its weak points, too. That is, the CPC method is not the only perfect advertising model among the search advertisements in the on-line market. So it is absolutely necessary that small and medium enterprises including independent shopping malls should complement the weaknesses of the CPC method and make good use of strategies for maximizing its strengths so as to increase their sales and to create a point of contact with customers.

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시장공사적협동책략화소비자태도(时装公司的协同策略和消费者态度) (Collaboration Strategies of Fashion Companies and Customer Attitudes)

  • Chun, Eun-Ha;Niehm, Linda S.
    • 마케팅과학연구
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    • 제20권1호
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    • pp.4-14
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    • 2010
  • 协同策略需要信息共享和其他各种对公司和股东都有利益的形式. 本文强调了在时装产业中运用到的特别形式的协同. 并且测试了对时装公司最成功的策略和消费者所感知到的协同的好处. 在本研究中, 我们定义了作为协作方的时装公司和品牌以及他们的合作方或股东. 我们定义协同为发生在至少两个公司, 品牌或个体之间, 在平等的基础上利用他们各自的竞争优势从而获得更大利益的合作关系. 协同策略需要信息共享和其他各种对公司和股东都有利益的形式. 本文强调了在时装产业中运用到的特别形式的协同. 通过合作, 时装公司一直都追求有形的差异例如设计和技术, 以及无形的差异例如对消费者情感和生理的好处. 结果就是, 时装产业中的合作已变成一个重要的创造价值的概念. 本文是一个定性研究, 使用案例研究和深度访谈来测试消费者对时装产业中协作的态度. 从1998年到2008年12月, 在韩国和国际市场中共有173个协同案例. 我们通过文件数据收集案例. 这些文件数据包括网站和产业数据和顶级门户搜索网站. 例如Rankey.com, Naver, Daum, 和Nate. 以及时装信息代表网站Samsungdesignnet 和Firstviewkorea. 我们搜集从2008年11月到2009年2月为止的个案. 个案用来分析有一个或多个合作方的时装产品生产(不包括纺织产品), 零售时装产品或设计服务. 其他在先前研究中的协同案例来自于新闻稿件, 期刊, 互联网门户网站和时装信息网站. 我们共选择了173个案例来进行分析. 清楚的显示了时装公司和股东的协作执行和策略所带来的产出和利益. 结果显示对所有参与协作的合作方(企业和顾客)来说, 最大的好处是通过共享资源降低了成本和风险. 例如设计能力, 形象, 成本, 技术和目标. 并且创造了协同作用. 考虑到协同产出的种类, 产品/设计是最重要的(55%), 紧跟其后的是推广促销(21%), 价格(20%)和地点(4%). 这个结果说明协同对给予产品和设计生命力有重要的作用. 尤其是在追求创造和新颖的时装产业里. 为了使协同可以成功, 本研究中深度访谈的结果确认了时装公司应该对为什么要进行这个协作有清晰的目标. 在设定目标之后, 时装公司应该选择符合产品形象和目标市场的合作方. 使得合作的产品有一定的概念和差异因素. 同时时装公司还要关注提升品牌知名度. 通过对消费者的深度访谈, 相互的利益可以分类为6个因素: 追求个人风格、追求品牌、追求稀有性、追求时尚、追求经济效率和社会性. 在访谈中顾客同时也强调了形象, 声誉和品牌信任. 然而, 在子范畴中, 本研究中的专家和顾客在成功因素认知方面有不同的结果. 因此, 从不同纬度研究目标客户和目标市场从而为成功的协作发展合适的策略.

웹툰 콘텐츠 추천을 위한 소비자 감성 패턴 맵 개발 (Development of Customer Sentiment Pattern Map for Webtoon Content Recommendation)

  • 이준식;박도형
    • 지능정보연구
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    • 제25권4호
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    • pp.67-88
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    • 2019
  • 웹툰은 인터넷의 특징적 요소들을 활용하여 제작되는 만화 콘텐츠를 온라인 환경에서 소비 가능한 형태로 유통하는 한국형 디지털 만화 플랫폼이다. 최근 웹툰 산업의 급격한 성장과 함께 웹툰 콘텐츠의 공급량이 기하급수적으로 증가함에 따라, 효과적인 웹툰 콘텐츠 추천 방안의 필요성이 커지고 있다. 웹툰은 회화적 요소와 문학적 요소, 디지털 요소의 복합적 산물로서, 독자로 하여금 재미를 느끼게 하고 웹툰이 연출하는 상황에 이입·공감하게 하는 등 소비자의 감성을 자극하는 디지털 콘텐츠 상품이다. 따라서 웹툰이 소비자에게 전달하는 감성이 소비자가 웹툰을 선택함에 있어 중요한 기준으로 작용할 것이라 기대할 수 있다. 본 연구는 기존에 충분히 논의되지 않았던 소비자 감성을 중심으로, 웹툰 콘텐츠의 효과적인 추천을 지원할 수 있는 소비자 감성 패턴맵의 개발을 목적으로 한다. 본 연구의 수행을 위해 '네이버 웹툰' 플랫폼에서 서비스되는 200개 작품에 대한 메타데이터와 소비자 감성어휘 정보를 수집하였다. 분석 목적에 부합하지 않는 작품을 제외한 127개 작품에 대해 488개의 감성어휘가 수집되었다. 이후 수집된 감성어휘들 간 유사감성 통합, 중복감성 배제 과정을 Bottom-up 접근으로 수행하여 총 63개 감성유형으로 축소된 웹툰 특화 감성지표를 구축하였다. 구축한 감성지표에 대한 탐색적 요인분석을 수행하여 웹툰 유형을 분류할 수 있는 3개의 중요 차원을 도출하고, 이를 기준으로 K-Means 클러스터링을 수행하여 전체 웹툰을 4개 유형으로 분류하였다. 각각의 유형에 대해 웹툰-감성 2-Mode 네트워크를 구축하여 웹툰 유형별로 나타나는 감성 패턴의 특징을 살펴보았으며, 프로파일링 분석을 통해 웹툰 유형별 인사이트와 실무적으로 의미 있는 전략적 시사점을 도출할 수 있었다. 본 연구의 결과를 통해 웹툰의 추천 및 분류의 영역에서 소비자 감성의 활용 가능성을 확인하고, 웹툰 생태계 내 구성원들이 소비자를 보다 잘 이해하고 전략을 수립할 수 있도록 돕는 가이드라인을 제시하였다는 점에서 의의가 있다.