• 한국벤처창업학회:학술대회논문집
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• 2017.04a
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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.

• 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.

• Proceedings of the Korean Society of Computer Information Conference
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• 2020.07a
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• pp.191-192
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• 2020

모바일 결제는 모바일 거래 성공에 중요한 역할을 하고 있는 요소이다. 모바일 간편 결제란 일반적으로 재화, 서비스 이용에 연관된 결제를 모바일 단말기로 처리하는 것을 말하는데. 모바일 폰의 높은 보급률과 사용자의 편리하고 즉각적인 결제에 대한 니즈에 의해 모바일 결제는 금전적 거래를 성사하는데 중요한 채널로 인식되고 있다. 모바일 간편결제 시장이 급성장세를 보이면서 카드를 갖다 대거나 인증만으로 결제하는 세상이 빠르게 확대되고 있다. 스마트폰 제조사를 비롯해 플랫폼 및 유통업체, 결제시장의 전통 강자인 각 금융사에 이르기까지 간편결제 시장의 주도권을 놓치지 않기 위한 경쟁도 더욱 달아오를 것으로 전망 된다. 그럼에도 불구하고 미래의 잠재적 주요고객이면서 현재 사용하고 있는 청소년들에 대한 모바일 간편 결제 서비스 이용현황에 대한 연구는 아직 미흡하다. 청소년들이 모바일 간편 결제에 대해 어떻게 생각하고 있는지 확인해 보고자 한다.

• Journal of Digital Convergence
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• v.18 no.4
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• pp.453-459
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• 2020

This research aims to evaluate how each generation experiences easy payment services. Recently, the easy payment service business has been on an upward trajectory and pin-tech companies have introduced various types of products. In this regard, it becomes crucial to understand differences among generations in terms of using those services due to their accessibility and serviceability. Based on the statistical analysis of surveys and in-depth interviews based on Peter Morville's Honeycomb model, this study suggests four ways to improve this payment service. The analysis indicates that those who are older tend to use easy payment services provided by their credit card companies or services which they frequently have already used. Findings of this analysis are expected to find the relationship between ages and payment applications.

• 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".

• Journal of Digital Convergence
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• v.13 no.12
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• pp.75-87
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• 2015

The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.

• Journal of Digital Convergence
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• v.16 no.11
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• pp.303-312
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• 2018

The purpose of this study is to design the easy payment service research model and to find the influencing effect on the intention for the reuse of easy payment service by analysing the factors such as the social influence, the promotion condition, the security and the convenience as UTAUT model has. Also the research model employs the trust and the user satisfaction as parameters. The result shows that even though people feel the trust due to the convenience by the social influence, it has a negative influence on the user satisfaction if the risk recognized in the easy payment service and the weakness in the security are anticipated. The results of this study are academically meaningful as they established the research model for the easy payment service and the theoretical basis of the easy payment service area; they have provided the various practical implications.

• 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.

• Journal of Intelligence and Information Systems
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• v.28 no.4
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• pp.365-385
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• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• 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.