• Title, Summary, Keyword: Kakao Bank

Search Result 9, Processing Time 0.031 seconds

A Study on the affecting factors of Kakao Bank usage in terms of service types (서비스 유형에 따른 카카오뱅크 이용 영향 요인에 관한 연구)

  • Jun, Byoungho
    • Journal of the Korea Society of Digital Industry and Information Management
    • /
    • v.15 no.4
    • /
    • pp.187-195
    • /
    • 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.

Security Vulnerability and Security Measures of Kakao Bank in Industrial Environment (산업환경에서 카카오 뱅크가 가지는 보안취약점 및 보안대책)

  • Hong, Sunghyuck
    • Journal of Industrial Convergence
    • /
    • v.17 no.2
    • /
    • pp.1-7
    • /
    • 2019
  • The Kakao bank can be conveniently used if there are only smartphones, identity cards, and bank accounts. However, a few days before the inauguration of Kakao Bank, the company opened an account for receiving loans from other people. In order to avoid such cases, the financial transactions will be detected if the SDS is withdrawn at a short interval of time. The detection system of FDS has four functions which are monitoring and auditing, collection, analysis, and response. There are security problems of the cocoa banks in various directions. The Kakao bank has a way to respond to the problem using FDS.: Keywords : Cocoa bank, security issues, information protection, FDS

A Case Study on Kakao's Resilience: Based on Five Levers of Resilience Theory

  • Song, Minzheong
    • International Journal of Internet, Broadcasting and Communication
    • /
    • v.9 no.3
    • /
    • pp.44-58
    • /
    • 2017
  • The purpose of this study is to prove the Korean Internet company, Kakao's resilience capacity. For it, this paper reviews the previous literatures regarding Kakao's business models and discusses 'resilience' theory. Then, it organizes the research questions based on the theoretical background and explains the research methodology. It investigates the case of Kakao's business and organization. The case analysis shows that five levers of resilience are a good indicator for a successful platform business evolution. The five levers are composed of coordination, cooperation, clout, capability, and connection: First lever, coordination that makes the company to restructure its silo governance in order to respond to actual business flow starting from the basic asset like game and music content; second lever, cooperation where the firm provides creative people with playground for startups such as KakaoPage; third lever, clout where the company shares its data by opening its API of AI and chatbot to $3^{rd}$ party developers; fourth lever, capability where the firm establishes AI R&D center, KakaoBrain as the function of multi-domain generalist for developing diverse platforms tackling customer needs; and the last fifth lever, connection where the firm continues to expand its platform business to the peripheries, O2O businesses such as KakaoTaxi, KakaoOrder, KakaoPay, and KakaoBank. In conclusion, this study proposes Internet companies to be a resilient platform utilizing those five levers of resilience in order to form successful platform. This study contributes to the agile innovation of Internet platform with ecological sense.

A Study on the Developmental Strategy of the Korean Internet Primary Bank (한국 인터넷전문은행의 발전전략에 관한 연구)

  • Kim, So-Jeong;Kim, Ju-Yeon;Oh, Su-Bin;Jeon, Seong-Won;Huh, Nam-Yoon;Won, Jong-Kwon;Hwang, Hye-Jeong;Chang, Young-Hyun
    • The Journal of the Convergence on Culture Technology
    • /
    • v.3 no.2
    • /
    • pp.37-42
    • /
    • 2017
  • An internet primary bank, which is formed by internet and banks combined, is called the essence of fin-tech, and is currently experiencing rapid growth. 'K-Bank' and 'Kakao Bank', the representative internet primary banks this year, received positive responses as the origin of financial revolution. internet primary banks provide convenient financial services, benefits in time and money for customers. Not long ago, however, undesirable fraud cases caused by a used commodity dealer have happened. The damage exceeds 20,000,000 won. It is because the newborn banks are unable to check the fraud history through the bank account. In this paper, We will analyze the trend in internet primary banks, offer damages and examples, in addition, prevention of damage, and strategies for development.

A Study on the Factors Affecting the reliability of User 's Confidence in Korean Internet professional Bank -Focused on Kakao Bank and K Bank- (국내 인터넷 전문 은행이 사용자의 신뢰감 형성에 끼치는 요인에 관한 연구 -카카오뱅크와 케이뱅크를 중심으로-)

  • Lee, Kaha;Kim, Seung-In
    • Journal of the Korea Convergence Society
    • /
    • v.9 no.1
    • /
    • pp.277-282
    • /
    • 2018
  • This study aims to present a direction for securing continuous growth and confidence, centering on two Internet banking companies that started recently. The banking market has been rewriting the history since the emergence of Internet professional banks. In order to improve the credibility and promote the development of the Internet professional banks, I conducted a questionnaire survey and In Depth Interview. As a result of this survey, the overall reliability is still low, and the factors affecting reliability are: 1.Security problem 2.Discomfort of customer service 3.Errors and unnecessary services. This is a start-up business, so the awareness and reliability can be changed soon. Therefore, it is necessary to continue research on this according to the changing user's perception.

The Role and Effect of Artificial Intelligence (AI) on the Platform Service Innovation: The Case Study of Kakao in Korea (플랫폼 서비스 혁신에 있어 인공지능(AI)의 역할과 효과에 관한 연구: 카카오 그룹의 인공지능 활용 사례 연구)

  • Lee, Kyoung-Joo;Kim, Eun-Young
    • Knowledge Management Research
    • /
    • v.21 no.1
    • /
    • pp.175-195
    • /
    • 2020
  • The development of platform service based on the information and communication technology has revolutionized patterns of commercial transactions, driving the growth of global economy. Furthermore, the radical advancement of artificial intelligence(AI) presents the huge potential to innovate almost all the industrial and economic activities. Given these technological developments, the goal of this paper is to investigate AI's impact on the platform service innovation as well as its influence on the business performance. For the goal, this paper presents the review of the types of service innovation, the nature of platform services, and technological characteristics of leading AI technologies, such as chatbot and recommendation system. As an empirical study, this paper performs a multiple case study of Kakao Group which is the leading mobile platform service with the most advanced AI in Korea. To understand the role and effect of AI on Kakao platform service, this study investigated three cases, including chatbot agent of Kakao Bank, Smart Call service of Kakao Taxi, and music recommendation system of Kakao Mellon. The analysis results of the case study show that AI initiated innovations in platform service concepts, service delivery, and customer interface, all of which lead to a significant decrease in the transaction costs and the personalization of services. Finally, for the successful development of AI, this research emphasizes the significance of the accumulation of customer and operational data, the AI human capital, and the design of R&D organization.

Study on Factors Affecting Financial Customer's Switching Intention to Internet only bank: Focus on Kakao bank (인터넷 전문은행의 성공 요건, 금융 소비자의 전환의도에 영향 주는 요인 분석: 카카오뱅크를 중심으로)

  • Kwak, Na-Yeon;Yoo, Hyein;Lee, Choong C.
    • Journal of Digital Convergence
    • /
    • v.16 no.2
    • /
    • pp.157-167
    • /
    • 2018
  • Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.

Study about the Positive and Negative Affect on the Continuance Intention of Internet only Bank (금융소비자의 지속사용의도에 영향을 미치는 정적·부적 정서 연구: 인터넷전문은행을 중심으로)

  • Kim, Jin A;Yoon, Jeewhan
    • Journal of Digital Convergence
    • /
    • v.16 no.12
    • /
    • pp.267-281
    • /
    • 2018
  • Internet only Banks in Korea have acquired more than seven million customer base, but most of the accounts are not active. As financial products tend to be similar, customer affect plays more crucial role than service features in continuance intention. The purpose of this research is to study about the impact of positive and negative affect on the continuance intention. The result indicated that positive affect is positively related to continuance intention, and negative affect is negatively related to continuance intention. Also expectation confirmation is positively related to positive affect. The results imply Internet only Banks need to focus on customer's positive affect and expectation confirmation to improve continuance intention.