• Journal of Digital Convergence
• /
• v.15 no.4
• /
• pp.387-393
• /
• 2017

This study sought to improve the mobile easy payment services available in Korea by conducting a comparison analysis of Kakaopay, the front-runner of the mobile easy payment services in Korea's FinTech industry, compared to Naverpay, the relative newcomer in the industry. The services were compared by analysing users' experience. First, a literature review on the theoretical background of the FinTech and its characteristics was performed. Secondly, a survey created by reframing the six elements of the "Creating Pleasurable interfaces Model" by Stephen Anderson was conducted. In result, Kakaopay showed limited applicability caused by the lack of affiliated stores and it also showed the lack of reliability due to errors and cancellations related to the payments. It was shown that Naverpay also needs to make an effort to improve the reliability by minimizing errors in the use of the program and payments. This current study aimed to contribute as a resource which can be used, in the future, to improve the users' experience in FinTech services offered in Korea and also to invigorate the Fintech industry.

• Journal of Digital Convergence
• /
• v.18 no.1
• /
• pp.315-320
• /
• 2020

This study is a study on the user experience of mobile Fintech service of the Z generation, and the past Finance was one of the industries that users felt difficult. However, the Z generation, who grew up in the digital environment, feels comfortable with mobile payment. This study is limited to Kakaopay and Toss, which are representative domestic Fintech services, and aims to suggest the direction of domestic Fintech services in the future. A total of 8 subjects were interviewed by the target group interview and the survey was conducted simultaneously. As a result of the study, Z generation was greatly influenced by various factors such as corporate brand, image, character, and event in addition to economic aspect. Also, it is considered most in the field of reliability and value, so a strategy is needed to secure it. In the future, we expect the development of Fintech service reflecting the needs of Z generation that will lead consumption in the future.

• Journal of Digital Convergence
• /
• v.14 no.3
• /
• pp.171-179
• /
• 2016

The purpose of this study is to deduce a successful business model of fintech and suggest the business model component in fintech on domestics. Business model has suggested on a strategic levels but it is to a value of corporation. From literature research, we find a conceptual character and its component of business model. The results show that we understand the business model of fintech. We suggest business model of component for a successful entry of market. These results suggest business model canvas by Alexander Osterwalder. This business model consist of 9 blocks - customer segmentation, value proposition, customer relationship, key resource, key activity, key partnership, revenue stream, and cost structure. These components need an analytic approach for a successful entry and settlement of market. Also, we analyze and suggest a fintech business model and directivity of its components.