• Title, Summary, Keyword: 모바일 간편 결제서비스

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A Study on the Promotion of Mobile Easy Payment Services in the Fintech Era (핀테크 모바일 간편결제 서비스 활성화 방안)

  • Cho, Eun-Young;Kim, Hee-Woong
    • Informatization Policy
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    • v.22 no.4
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    • pp.22-44
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    • 2015
  • With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.

A Study on the Acceptance Decision Factors for Mobile Easy Payment Services in Digital Convergence Media Ara: Focusing Samsung Pay (디지털융합미디어시대 모바일 간편 결제서비스 수용결정요인에 관한 연구: 삼성페이를 중심으로)

  • Kim, Cha-Keun;Kim, Joung-Gun;Choi, Seong-Jhin
    • Journal of Digital Convergence
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    • v.15 no.4
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    • pp.213-221
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    • 2017
  • The purpose of this study was to examine the acceptance decision factors for mobile easy payment services focused on samsung pay. To attain these purpose, the subjects for data were 229 university students. The data were analyzed by path analysis using SPSS 21 program and AMOS program. The results were as follows: First, Perceived ease of use influenced positively on mobile easy payment service attitude. Second, Perceived usefulness influenced positively on mobile easy payment service attitude. Third, Perceived ease of use influenced positively on intention of continuous use. Fourth, Perceived usefulness influenced positively on intention of continuous use. Fifth, Attitude influenced positively on intention of continuous use. Sixth, Perceived risk influenced not significantly on intention of continuous use. This study identified the acceptance decision factors for mobile easy payment services as perceived ease of use, perceived usefulness and attitude.

간편결제 서비스에 대한 지각된 용이성과 유용성이 쇼핑몰 재구매의도에 미치는 영향에 관한 연구

  • Kim, Yong-Geum;Jang, Un-Uk;Bae, Byeong-Yun
    • 한국벤처창업학회:학술대회논문집
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    • pp.53-53
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    • 2017
  • 페이 춘추전국시대에 간편결제 서비스는 네이버페이, 카카오페이, 삼성페이, L페이, T페이, 시럽 페이, 스마일 페이, 케이페이, 페이나우, 페이코, SSG페이, H-Wallet, 구글페이, 애플페이, 알리페이, 안드로이드페이 등 '페이'관련된 서비스들은 각 회사마다 계속 등장하고 있는 추세이다. 온라인 또는 모바일 쇼핑의 끝에서 복잡한 인증절차와 관련 프로그램 설치로 결제를 포기를 하거나 다른 결제 회사를 선택해서 또 다시 카드번호, 카드 비밀번호, 인증절차를 거치는 번거로움과 시간을 소비하는 일이 많았다. 예전 방식에 비해서 눈 깜짝할 사이 결제를 진행하는 간편결제 서비스는 말 그대로 '빠르고 편리하다'는 장점을 지녔으며, '온라인에 처음 한번만 카드정보를 등록하면 그 다음부터는 비밀번호만 입력하면 결제가 완료된다. 요즘 각 간편결제 서비스 회사들은 가격 할인, 적립금, 포인트 지급 등으로 소비자의 결제 형태를 바꾸고 있다. 쇼핑몰 결제 싯점이라는 중요한 포인트에서 이 연구의 목적은 간편결제 서비스에 대한 지각된 용이성과 유용성이 고객만족과 쇼핑몰 충성도로 인터넷 쇼핑몰 재구매의도에 미치는 영향에 관한 실증적 연구를 하고자 한다.

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Technical, Individual and Situational Factors Affecting Intention to Use of Mobile Easy Payment Service : Focusing on the Moderating Effects of Subjective Norms (기술, 개인, 상황 특성이 모바일 간편 결제서비스 이용의도에 미치는 영향 : 주관적 규범의 조절효과)

  • Park, Hyunsun;Kim, Sanghyun
    • Journal of Digital Convergence
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    • v.16 no.6
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    • pp.105-115
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    • 2018
  • With the development of information and communication technologies, popularization of smart phones, and relaxation of the government regulation, mobile easy payment service is rapidly growing as a major financial service. Therefore, this study examines factors that influence the intention to use mobile easy payment service through empirical analysis. We collected 386 responses by survey and formed structural equation modeling with AMOS 22.0. The results show that technical factors(relative advantage, security), individual factor(self-efficacy), situational factors(trust in prior services and satisfaction of prior services) had a positive effect on the perceived value. In addition, perceived value had a positive effect on the intention to use mobile easy payment services. Lastly, subjective norms are closely related to the relationship between perceived value and intention to use mobile easy payment services. The results can be expected to provide useful references to the Fintech related industry fields.

A Study on the Use of Youth Mobile Easy Payment (청소년 모바일 간편 결제 이용에 대한 연구)

  • Kim, Hyo-Kyung;Lee, Sae-Bom;Moon, Jae-Young
    • Proceedings of the Korean Society of Computer Information Conference
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    • pp.199-200
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    • 2019
  • 모바일 간편 결제란 모바일을 통해 재화, 서비스 이용에 관련된 결제를 처리하는 것을 의미한다. 모바일 접속자가 늘어나고 모바일 채널로 구매하는 사용자 규모가 커짐에 따라 모바일 간편 결제 시장은 지속적으로 성장되고 있다. 따라서 본 연구에서는 청소년을 대상으로 모바일 간편 결제에 대한 이용 실태를 조사하고자 한다. 정보기술에 대한 개인혁신성과 현금 결제 습관을 사용자의 개인적 속성으로, 사용자가 인지하고 있는 위험성과 상대적 이점을 지각된 신념으로 보고 모바일 간편 결제 이용에 대한 청소년들의 인식을 연구하고자 한다. 대부분의 학생들이 온라인/모바일 쇼핑을 통해 모바일 간편 결제를 많이 사용하는 것으로 나타났으며, 상대적 이점이 있다고 높게 생각하고 있고, 현금 사용에 대한 습관 역시 높게 나타났다.

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Effects of advertisement acceptance according to brand familiarity on ease of imitation and behavioral intention of mobile payment (브랜드 친숙도에 따른 광고 수용성이 모방 용이성과 모바일 간편결제 사용의도에 미치는 영향)

  • Kim, Yun-Jeong
    • Journal of Convergence for Information Technology
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    • v.9 no.4
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    • pp.48-58
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    • 2019
  • Recently, companies that have already the brand familiarity based on IT technology are changing the way of financial transactions by providing mobile simple payment service. It is difficult to apply the results of research conducted on traditional financial products, although the familiarity of the brand positively affects the brand attitude and intention of use in the preceding studies. To confirm this, this study verified whether mobile simple payment services of a company with high brand familiarity can copy the service easily and have intention of use through advertisement acceptance. The empirical results showed that the advertising of brand with high familiarity could be a motivation factor to imitate new services more easily. This results is meaningful in that it confirms the importance of strategic advertising because the more higher the brand's familiarity is, the more efficient the advertising can be used in the mobile simple payment service.

Security vulnerability analysis of Simple Mobile Payments Services (모바일 간편 결제 서비스 보안 취약점 분석)

  • Song, Jin-Seok;Chung, Myung-Woo;Seo, Seung-Hyun;Lee, Sang-Ho
    • Proceedings of the Korea Information Processing Society Conference
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    • pp.817-820
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    • 2015
  • 본 논문에서는 국내 모바일 간편 결제 서비스 카카오페이(KakaoPay)의 보안취약점을 분석한다. 이를 위해, 본 연구에서는 모바일 간편 결제 서비스 키패드의 터치 좌표값을 추출하는 키로거 앱(key logger application)을 개발하였다. 키로거 앱을 이용해 사용자가 카카오페이 서비스의 비밀번호를 누를 때 비밀번호가 출력되는 화면 좌표값을 알아내고, 확률분석기법을 통해 추출한 화면 좌표값으로 결제용 비밀번호를 유추해냄으로써, 카카오페이 서비스의 보안 취약점을 도출하였다.

Factors Affecting the User Resistance to Mobile Easy Payment Services (간편결제서비스 수용저항에 영향을 미치는 요인)

  • Kim, Soo-Hyun
    • The Journal of the Korea Contents Association
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    • v.19 no.9
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    • pp.254-261
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    • 2019
  • Electronic payment is a very crucial function in electronic commerce. As electronic commercial transactions develop on a mobile basis, a variety of electronic payment services that can be conveniently used are appearing. In particular, mobile easy payment services improve the user's convenience of payment and give a positive effect on activating online transactions. In this study we investigate empirically the factors influencing the user resistance to mobile easy payment services. Especially, we compares the main acceptance factors of the mobile easy payment services with the main acceptance resistance factors of the services. By doing that, we derive the implications that could contribute to the vitalizations of the mobile easy payment service market. The research model includes "perceived risk" as a main acceptance resistance factor, and "easy of use" and "usefulness" as the main acceptance factors. The relationship among these three factors, "use conflict", and "user resistance" is expressed in the model. We analyze the model by Structural Equation Model. The results proves that all the research hypotheses are adopted except for the impact of "ease of use" on "use conflict", and that users of mobile easy payment services think of "usefulness" more important than "risk".

The Effect of Service Quality and Company Reputation on Customer Satisfaction and Loyalty in Mobile Payment: Moderating Effects of Switching Barriers (모바일 간편 결제 서비스 품질 및 기업 명성이 고객 만족과 충성도에 미치는 영향: 전환장벽의 조절적 작용)

  • Kim, Eun Bi;Yang, Hongsuk
    • Journal of Service Research and Studies
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    • v.7 no.2
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    • pp.17-41
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    • 2017
  • The purpose of this research is to investigate the factors that impact customer satisfaction and loyalty in mobile payment services. Specifically, this research (1) studies the influence of company reputation on customer satisfaction and loyalty, (2) examines service quality dimensions that increase customer satisfaction, and (3) assesses switching barriers as moderators in influencing customer loyalty. Findings of this empirical research reconfirm the point of view that company reputation, service quality, and switching barriers are crucial for customer satisfaction in mobile payment services. The research methodologies that were used to verify the hypothesis in this study included customized surveys and structural equation modeling. The results demonstrated that company reputation significantly affects customer satisfaction and loyalty. Additionally, the results indicated that only two of the five total service qualities, ease of use and the security/privacy qualities, have positive influences on customer satisfaction. Customer satisfaction has also proven to be a significant influence on loyalty. Lastly, the results showed that among the factors of switching barriers, the factors of lost performance costs, sunk costs, setup costs, the attractiveness of alternatives, and service recovery have moderating effects on the relationships between customer satisfaction and loyalty. Base on the results, this research recommends that firms aim at devising integrated strategies that make switching barriers act as complements to customer satisfaction.

A study on Activation Measures of Local Mobile Easy-to-use Payment (국내 모바일 간편결제 활성화 방안에 관한 연구)

  • Jeong, Gi Seog
    • Convergence Security Journal
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    • v.15 no.4
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    • pp.73-82
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    • 2015
  • Thanks to popularization of smart phone, mobile payment market is growing rapidly. As the obligatory use of digital certificate is abolished, easy-to-use payment that can settle with only password is being launched one after another. But its spreading speed is not fast highly. Because of concern about personal information leakage and security, unchangeability of payment habit, insufficiency of consumer protection, inadequacy of payment infrastructure and all sorts of regulations, easy-to-use payment is not activated. Recently global IT companys are entering mobile payment market competitively. It is because the sense of crisis that their survival can be dangerous from now on if they get left behind Fintech innovation and the mentality that they try to take the leadership of mobile payment market process. In this situation, the thorough preparation and a lot of effort are required to promote our autonomous easy-to-use payment growth without dependance on foreign country's. In this paper, the problems of local mobile easy-to-use payment are addressed in depth and the activation measures such as flexible and discriminative security, construction of customer protection system, law system maintenance, service differentiation are proposed.