• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.323-328
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• 2020

This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers' buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.551-559
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• 2021

This study aims to analyze the effect of (a) sharia governance on transparency, muzakki's trust, and muzakki's loyalty in paying zakat to zakat management organizations, (b) trust and accountability on muzakki loyalty in paying zakat to zakat management organizations, (c) transparency, loyalty and accountability on the amount of zakat payments to zakat management organizations This is explanatory research with data analysis techniques using the smartPLS method. The sample is 117 people who had paid zakat to BAZNAS, Indonesia. The results showed that the sharia governance variable had a significant effect on the accountability, transparency, and muzakki trust variables. The accountability variable has a significant effect on the muzakki loyalty variable and not on the zakat payment variable. The transparency variable has a significant effect on the muzakki loyalty variable and not on the zakat payment variable. The muzakki trust variable has a significant effect on the muzakki loyalty variable, and the loyalty variable has a significant effect on the zakat payment variable. This new model can explain the variables that affect the increase in trust and loyalty in increasing the amount of zakat payments. Muzakki's trust and loyalty improvement model against zakat payment in BAZNAS Indonesia, explains how BAZNAS organizers can increase zakat revenue, loyalty, trust, and good sharia governance.

• International Journal of Advanced Culture Technology
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• 제11권2호
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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.

• 한국융합학회논문지
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• 제13권4호
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• pp.213-226
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• 2022

게임화의 중요성은 기업들의 관심을 끌고 있다. 게임화는 비게임 영역에서 게임 역학과 사고를 사용하여 사용자 참여를 유도하는 것을 말한다. 문헌을 통해 게임화의 정의와 관련 연구를 검토함으로써 이론을 어떻게 실천하는지 그 주요 특징들을 정리하는 것이 목적이다. 다음으로, 모바일 페이먼트 게임화 마케팅의 현재 구현 방식을 이해하기 위해 인기 모바일 페이먼트 앱을 사례 연구로 선택하여 이에 대한 게임 메커니즘의 효과를 조사하여 브랜드 충성도와 고착성에 긍정적인 영향을 미치는지 여부를 분석한다. 그 결과는 게임화된 모바일 결제 시스템의 단점을 파악하는 데 사용된다. 마지막으로 모바일 결제를 위한 게임화 프레임워크 모델과 이전 사례에서 활용도가 낮은 게임 메카니즘을 위한 디자인을 제안한다. 향후 연구는 게임화된 모바일 페이먼트의 효과와 영향에 대한 심층 연구로 우리의 새로운 모델에 참고할 수 있다.

• International Journal of Computer Science & Network Security
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• 제22권11호
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• pp.213-221
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• 2022

Intelligent Character Recognition System for Account Payable (ICRS AP) Automation represents the process of capturing text from scanned invoices and extracting the key fields from invoices and storing the captured fields into properly structured document format. ICRS plays a very critical role in invoice data streamlining, we are interested in data like Vendor Name, Purchase Order Number, Due Date, Total Amount, Payee Name, etc. As companies attempt to cut costs and upgrade their processes, accounts payable (A/P) is an example of a paper-intensive procedure. Invoice processing is a possible candidate for digitization. Most of the companies dealing with an enormous number of invoices, these manual invoice matching procedures start to show their limitations. Receiving a paper invoice and matching it to a purchase order (PO) and general ledger (GL) code can be difficult for businesses. Lack of automation leads to more serious company issues such as accruals for financial close, excessive labor costs, and a lack of insight into corporate expenditures. The proposed system offers tighter control on their invoice processing to make a better and more appropriate decision. AP automation solutions provide tighter controls, quicker clearances, smart payments, and real-time access to transactional data, allowing financial managers to make better and wiser decisions for the bottom line of their organizations. An Intelligent Character Recognition System for AP Automation is a process of extricating fields like Vendor Name, Purchase Order Number, Due Date, Total Amount, Payee Name, etc. based on their x-axis and y-axis position coordinates.

• 지식경영연구
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• 제18권4호
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• pp.213-235
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• 2017

In the rapidly changing business and economic environment, environment-equipped appropriate capacities should be used to adapt to the changing environment and the smart environment. First of all, it is important for the company to understand what kind of acceptance attitude it shows according to the consumers' tendency toward the mobile convenient payment system that users are increasing and deal with it accordingly. In order to analyze the market according to the individual personality factors of consumers, a model based on the integrated technology(UTAUT) and the regulatory focus suitable for the mobile environment was constructed and analyzed with the structural equation through PLS. As a result of analysis, it was found that neuroticism, openness to experience, and conscientiousness among consumer personality factors had a significant influence on accommodating the mobile convenient payment system according to the tendency of promotional focus. This study provides a direction for establishing a mobile convenient payment system for smart environment through data analysis of the propensity and personality of consumers from the viewpoint of knowledge management.

• 한국전산구조공학회논문집
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• 제36권6호
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• pp.381-389
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• 2023

BIM에서 가장 중요한 요소 중의 하나가 디지털 데이터이다. 체계적인 디지털 데이터 관리를 위해 최근까지 연구를 통해 객체분류체계(OBS)와 속성분류체계(Pset)가 제시되어 왔다. 특히 공정 및 기성 관리에 사용되는 디지털 데이터는 WBS와 CBS로 나뉘고 이를 BIM 객체와 매핑하려면 CBS의 수량 분개가 필요한데 CBS는 양이 매우 방대하고 공종이나 규격, 명칭 및 CBS 코드가 발주처마다 상이하여 WBS나 BIM 모델에 맞는 수량 분개 작업을 엑셀 등을 이용해서 수작업으로 한다는 것은 사실상 어렵다. 이러한 문제점을 극복하기 위해 BIM 모델에 의해 산출하기 힘든 수량 중에서 대부분을 차지하는 연장에 근거한 수량의 전체분을 분개하는 방안, 축적된 WBS-CBS 이력으로부터 최적 CBS를 도출하는 방안과 합리적인 CBS 데이터베이스 구축을 위해 필수적인 CBS 코드 통합 표준화 방안을 제시하였다.

• 융합보안논문지
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• 제12권3호
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• pp.107-113
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• 2012

최근 데이터 통신기술의 급속한 발전은 초고속 전송 네트워크의 대중화를 가져왔으며 이는 통신 기술의 발달로 인해 기존에 오프라인에서 직접 행해지던 여러 가지 서비스를 원격지에서 온라인으로 수행 가능하도록 하는 기반이 되고 있다. 이러한 통신기술은 의료분야에도 적용 또는 응용되고 있는데 대표적으로 병원의 진료예약을 들 수 있다. 그러나 진료예약의 경우 대부분 환자 또는 환자의 보호자가 직접 해당병원에 방문하거나, 전화접수를 통해서만 이루어지고 있다. 또한 진료를 받고 줄을 서서 진료비용을 납부해야만 하며 병원의 진료비용을 납부한 환자가 다시 의사로부터 종이처방전을 발급받아 근처 약국에 가서 줄을 서서 처방약을 받아야한다. 본 논문에서는 최근 대중화되어 있는 스마트폰을 이용하여 환자가 진료접수 및 진료비용 수납 등의 진료절차를 진행할 때 별도의 시간소모 없이 신속하고 편리하게 진행할 수 있고 종이 없는 처방전을 받을 수 있는 스마트 진료 시스템을 제안한다. 또한 의료데이터가 인터넷을 통해 전송될 때 환자의 의료정보가 유출되지 않도록 하는 보안대책에 대해 논의한다.

• International Journal of Contents
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• 제14권4호
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• pp.18-23
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• 2018

Recently, the developments in IT technology and the spread of smart phones have made Fin-Tech, which is a combination of financial services and IT technology, a big issue. In accordance with the growth trend of mobile payments in the world, all financial transactions in Korea are gradually shifting to smart phones. In fact, mobile payment system services are not widely used by users. In particular, the risk factors involved when users want to use the service are one of the factors that hinder the expansion of the usage of mobile financial payment service. The risk factors affect the trust of the mobile payment system users. Therefore, this study investigates the risk factors of the mobile payment system and the manner in which it affects a user's trust. We have also examined as how user's trust affects trust in the quality of the mobile payment system. To this end, the trust in overall quality of use was largely divided into trust in system quality, trust in information quality, and trust in service quality. Perceived finance risk, perceived performance risk, and perceived privacy risk have negative effects on cognitive trust. However, perceived time risk did not affect cognitive trust. User's cognitive trust also has an effect on trust in quality.

• 산업경영시스템학회지
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• 제40권4호
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• pp.183-190
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• 2017

This paper proposes a dynamic magnetic field emulator (DMFE), which can electrically emulate information for the magnetic stripes of most widely used credit cards. Payment transactions with most common credit cards are performed by reading the card's information, encoded in magnetic stripes, using the reader head of a point-of-sale (POS) system. A stripe-type permanent magnet is attached to the back side of the credit card, and information for payments or value-added service is reorganized by exposing it to strong magnetic field. The process of data recording and retrieving as stated above has been pointed out as a major cause of illegal credit card use, because the information on the magnetic stripe is always exposed, and is thus vulnerable to forgery or alteration. A dynamic magnetic field emulator displays card information only when necessary by using the principle of solenoidal magnets. The DMFE proposed in this paper can prevent fraudulent use if it is operated with a device, like a smart phone, or a separate user-authentication procedure. In addition, because it is possible to display various information as needed, it can be utilized for a smart multi-card application, in which information for multiple cards is stored in one card, and can be selected and used as needed. This paper introduces the necessity of the DMFE and its manufacturing principles. As a result, this study will be helpful for making various application cases in payment, which is a core area of the Fintech (a newly-coined word of finance and technology) industry.