The Journal of Society for e-Business Studies (한국전자거래학회지)

Society for e-Business Studies (한국전자거래학회)
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A Study on Acceptance Factors of Financial Mydata Service from Information Security Perspectives

정보보호 관점의 금융 마이데이터 서비스 수용 요인에 관한 연구

  • Lee, Seok Ho (Department of Information Security, WOORI FINANCIAL GROUP-WFIS) ;
  • Bae, Chang Hang (Department of Industrial Security, Chung-Ang University)
  • Received : 2022.03.09
  • Accepted : 2022.04.04
  • Published : 2022.05.31
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Abstract

Consumers' enhanced intention to adopt the Mydata service or their voluntary provision of personal information is a very essential element in the stable growth of the Mydata industry along with the creation of corporate values. The growing leakage of customer information according to the rising value of data can have negative impacts on the use of Mydata service and shrink quality custom service needs based on the personal information provided by financial consumers. This study set out to identify security risks that financial consumers could recognize and security factors that could supplement them and investigate the effects of these security factors on consumers' intention to adopt the Mydata service, thus providing useful implications for increasing the acceptance of financial consumers and finding a strategy to expand safe utilization. The findings raise a need to guarantee the stability and transparency of information provided by customers as information subjects, and they should be essential requirements for the Mydata service. The security factors applied to guarantee them should include convenience in terms of financial service.

마이데이터 서비스에 대한 소비자 수용의도 향상, 즉 고객 정보의 자발적 제공은 기업 가치 창출과 함께 마이데이터 산업의 안정적 성장을 위해 매우 필요한 요소이며 데이터 가치 상승으로 인한 유출과 침해 증가는 이러한 마이데이터 서비스 이용에 부정적 영향을 미쳐 금융소비자의 개인정보 제공을 통한 양질의 맞춤형 서비스 수요를 감소시킬 수 있다. 본 연구는 금융소비자가 인지할 수 있는 보안위험과 이를 보완 할 수 있는 보안요인을 도출하고 이러한 보안요인이 마이데이터 서비스 수용의도에 어떠한 영향을 미치는지를 파악하여 금융소비자의 수용의도를 높이고 안전한 활용을 확대할 수 있는 전략을 도출하기 위한 유용한 시사점을 제공하고자 한다. 연구결과를 통해 마이데이터 서비스 필수 요건인 정보주체로부터 제공받은 정보의 안정성과 투명성 보장을 위해 적용하는 보안요인은 금융서비스라는 측면에서 편의성 또한 고려해야 함을 확인하였다.

Keywords

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