• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.3
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• pp.665-672
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• 2015

In this paper, we analyze the international financial biometric adoption cases in smart phones and ATMs and propose a scheme for Korean financial telebiometrics. Regional privacy issues, financial services environment, according to the differences in the direction of government policy introducing biometric aspects were appearing differently. In Korea, due to changes in fin-tech vitalization and outstanding convenience mobile oriented service to the regulatory environment, the introduction of biometric technology is the point that is being actively discussed. In this paper, we propose a scheme for the Korean banking financial sector through the introduction of biometric technology adoption case analysis of each country. Thus, this paper is intended to help that the financial sector makes a precise decision when it is establishes a policy of biometric technology application for electronic financial services.

• Journal of the Korea Convergence Society
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• v.8 no.4
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• pp.19-24
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• 2017

The growing number of electronic financial transactions (e-banking) has entailed the rapid increase in security threats such as extortion and falsification of financial transaction data. Against such background, rigid security and countermeasures to hedge against such problems have risen as urgent tasks. Thus, this study aims to implement an improved case model by applying the Fraud Detection System (hereinafter, FDS) in a financial corporation 'A' using big data technique (e.g. the function to collect/store various types of typical/atypical financial transaction event data in real time regarding the external intrusion, outflow of internal data, and fraud financial transactions). As a result, There was reduction effect in terms of previous scenario detection target by minimizing false alarm via advanced scenario analysis. And further suggest the future direction of the enhanced FDS.

• Journal of Digital Convergence
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• v.12 no.11
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• pp.365-372
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• 2014

In this paper, We implement a power-saving and efficient measures in buildings using the smart-meter. In order to save electric power energy, We propose an improved automatic power-factor controller(APFC) and demand control measures. This is achieved by controlling directly circuit breakers and the capacitor bank feeders in real time via a two-way smart-meter's ICT skills. Improved APFC is minimizing installation costs by series-parallel connecting heterologous capacitors to form a more diverse capacitor banking and controlling using the smart-meter. In order to suppress the demand power, We have designed a smart-meter with communication functions using Atmel's AVR465 and tested an operated lodging building for 24-hours. As a result, We made sure to always retained more than 95% power factor and did not occur over compensation.

• International Journal of Advanced Culture Technology
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• v.8 no.4
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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.

• Journal of Distribution Science
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• v.22 no.2
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• pp.71-82
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• 2024

Purpose: Despite significant research on decision-making, researchers struggle to comprehend the decision-making process. This paper aims to not only examine the relationship between problem-solving skills, cognitive competency, and decision-making but also develop measurement instruments for cognitive competency and problem-solving skills to better model decision-making. Research Design, Methodology and Approach: A cross-sectional study was conducted by surveying 292 university students in HCM City, Vietnam, via email sent randomly by Google Forms. This study identifies the conceptual framework and tests the hypotheses using a deductive approach. The SPSS program was used to evaluate the scales' reliability, and the SmartPLS program was used to assess the measurement and structural models. Results: The results show that the research model better modelled the relationship between problem-solving skills, cognitive competency, and decision-making. Although thinking ability has no direct impact on decision-making, both creativity and problem-solving skills have a positive impact on decision-making. The mediating role of problem-solving skills is also determined by the positive relationship between cognitive competency and decision-making. Conclusions: This study highlights decision-making efficiency through the cognitive process from low to high levels and provides for policymakers and managers to explain the decision-making process in a variety of sectors, such as distribution chains, marketing, and human resource distribution.

• Journal of Distribution Science
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• v.22 no.3
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• pp.33-47
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• 2024

Purpose: Most emerging-market countries are concerned about the technology boom, which is accompanied by an increase in revenue from online sales and services. This finding has been demonstrated during the COVID-19 pandemic; however, is this tendency continuing in the new normal, and what factors are driving the increase in consumer decisions? The purpose of this research is to investigate how the decision to utilize online services will be affected in the new normal as well as propose a new research approach in this field. Research Design, Methodology and Approach: By following a deductive research method associated with positivist philosophy, a survey in South Vietnam with 426 respondents using a convenience sampling method was conducted. The reliability of the measurement scales was examined by using the SPSS program. The SmartPLS programme was utilised to assess the measurement and structural models as well as test hypotheses by using partial least squares structural equation modelling. Results: According to the research findings, decision-making has been impacted by social influences, perceived usefulness, perceived ease of use, perceived trust, perceived price, and perceived convenience. Conclusions: The research results also bring significant contributions not only in practice in providing management implications but also in theory. The research model has also demonstrated the feasibility of employing the stimuli-organism-response framework and combining the theory of perceived risk with the technology acceptance model via the explanation of decision-making.

• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.187-195
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• 2019

The purpose of this study is to analyze the adoption of Kakao Bank in terms of benefits (functional, social, experiential, economic benefits) and differentiated services (customization and service diversity) considering service types. Benefits are personal value consumers attach to the product or service attributes and, therefore, more important than attributes of service itself when using Kakao Bank in the internet based environment. Data was collected using an online and offline survey of 131 Kakao Bank users and analyzed the data using structural equation model (SEM). The results of empirical analysis using SmartPLS show that functional benefit, experiential benefit, and customization are significantly related to the user's satisfaction, but economic benefits, social benefit, and service variety are not. Customer's satisfaction are also showed significantly to be related to the all types of Kakao Bank usage(balance check, transfer, and other services). This study has the significance in that it examines the user's satisfaction and usage of Kakao Bank in terms of benefits and differentiated services while other studies analyzed banking services focusing on the attributes of banking channel itself.

• International Journal of Advanced Culture Technology
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• v.11 no.2
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• pp.125-131
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• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• Journal of Smart Tourism
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• v.2 no.1
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• pp.21-31
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• 2022

This review paper aims at providing a systematic analysis of articles published in various journals and related to the uses and business applications of big data. The goal is to provide a holistic picture of the place of big data in the tourism industry. The reviewed articles have been selected for the period 2013-2020 and have been classified into 8 broad categories namely business strategy and firm performance; banking and finance; healthcare; hospitality; networks and telecommunications; urbanism and infrastructures; law and legal regulations; and government. While the categories are reflective of components of tourism industries and infrastructures, the meta-analysis is organized around 3 broad themes: preferred research contexts, conceptual developments, and methods used to research big data business applications. Main findings revealed that firm performance and healthcare remain popular contexts of research in the big data realm, but also demonstrated a prominence of qualitative methods over mixed and quantitative methods for the period 2013-2020. Scholars have also investigated topics involving the notions of competitive advantage, supply chain management, smart cities, but also ethics and privacy issues as related to the use of big data.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.5 no.7
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• pp.1204-1209
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• 2001

According to the rapid development of information and communication, various services are offered using information and communication infrastructure for example e-commerce, internet banking, stock dealings, etc. This time, the most important problem is personal identification. But now secret number that is used to personal identification mostly can be misappropriated. To solve this problem, this paper proposes smart card identification system using 1 vs. 1 fingerprint matching. Information protection and security of smart card excel and use is convenient. And fingerprint becomes the focus of public attention in biometric field. Implemented system in this paper is based on PC. This system stores minutia that is fingerprint information into smart card and compare it with personal minutia. Therefore this system is sure to be on personal identification. If this system is applied to various services, safety degree of services will be enhanced.