• Journal of Korea Technology Innovation Society
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• v.16 no.1
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• pp.303-322
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• 2013

A relevance of supporting business of technology financing for technologically innovative SMEs is strongly required for its continuous expansion and development. This study analyzes empirically whether the selection of recipient firms from technology financing have been performed in accordance with its objectives and purposes. Results show that the probability of receiving technology financing is more likely to increase with higher technology rankings and higher operating income ratio. On the other hand, the probability of obtaining financing might be decreased gradually, as the size of capital and age of the firm are increasing. Results also show that technology rankings and firm's major characteristics are found to affect significantly on the decision-making of technology financing. Several useful comments are suggested to improve the relevance of the technology financing since the correct classification rate, which explains the appropriateness of the model, is not at high level. In addition, technology rankings are not uncorrelated with the amount of financing in regression analysis. These research results will contribute to ensure the appropriateness and credibility of the technology financing decision-making.

• Convergence Security Journal
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• v.7 no.3
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• pp.101-107
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• 2007

In recent years, electronic financial services, such as internet banking, come into wide use since the personal computer and network technology have made reasonably good progress. The growth of electronic financial service contributes to promoting the business efficiency of financial institution and promoting the convenience of financial customer, while the security on electronic financial service is getting more important because it is not face-to-face financial service. Therefore, the financial sector had decided to introduce the OTP (One Time Password) in order to authenticate the identification of customer and has built the Integrated OTP Authentication Center for a customer being able to use only one OTP token in electronic financial transaction with several financial institution. In this paper, we introduce the business of Integrated OTP Authentication Center and present the security analysis on integrated OPT authentication service, which is the main function of Integrated OTP Authentication Center.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.7-13
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• 2015

Recently, payment methods using smartphone are diverse with the increased usage of smartphone. Especially, new features of mobile payment service are required in the situation to provide more services than mobile service of non-financial corporations. This paper proposed response and plan of current banks for mobile payments of non-financial corporations. Proposed method analyzes response and plan of the existing countermeasures of banks due to the spread of mobile devices, the development of FinTech, and the diversification of mobile payment in recent years. And, proposed paper additionally suggests the countermeasures of the financial sector for the reduction of fee income caused by the non-financial payment services. Also, this paper analyzes the mobile payment field and the method of non-financial corporations, which is the threat to the existing banks, and describes the countermeasure.

• Journal of the Korea Convergence Society
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• v.6 no.6
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• pp.111-117
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• 2015

Digital content industry is expected to grow due to the development of new devices and technologies, convergence between genres and technologies. However, Financial support system for the field of digital content has not been activated due to the digital content industry has the characteristics of a lot of initial investment costs and an uncertain profitability. This paper deals with the financial plan of activation of digital content businesses using technology evaluation. For this purpose, first, examine status of digital content businesses(status and sales financing, etc). Second, discuss development methods of digital contents finance based on the analysis of the digital content industry. This study is useful for deriving the development methods of digital contents finance using the technology valuation.

• Journal of Intelligence and Information Systems
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• v.29 no.1
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• pp.143-174
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• 2023

With the development of deep learning technologies, Artificial Intelligence powered Optical Character Recognition (AI-OCR) has evolved to read multiple languages from various forms of images accurately. For the financial industry, where a large number of diverse documents are processed through manpower, the potential for using AI-OCR is great. In this study, we present a configuration and a design of an AI-OCR modality for use in the financial industry and discuss the platform construction with application cases. Since the use of financial domain data is prohibited under the Personal Information Protection Act, we developed a deep learning-based data generation approach and used it to train the AI-OCR models. The AI-OCR models are trained for image preprocessing, text recognition, and language processing and are configured as a microservice architected platform to process a broad variety of documents. We have demonstrated the AI-OCR platform by applying it to financial domain tasks of document sorting, document verification, and typing assistance The demonstrations confirm the increasing work efficiency and conveniences.

• Information and Communications Magazine
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• v.34 no.3
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• pp.23-28
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• 2017

현재 금융권에서는 핀테크 활성화를 위한 다양한 정책 추진과 다양한 비즈니스 모델이 창출되고 있는 실정이다. 그러나 핀테크의 본질에 대한 오해가 있는 듯하다. 핀테크의 본질은 중앙집중형 금융서비스를 P2P 분산형 서비스로 혁신하는 것을 의미한다. 이 특성이 기존의 전자금융 또는 e 금융과 핀테크의 차별성을 나타내는 중요한 개념인 것이다. 이런 측면에서 블록체인 기술이 핀테크 활성화의 기본 인프라역할을 담당하게 될 것이다. 블록체인이란 P2P 네트워크에서 상호 신뢰 할 수 없는 사람들 간의 신뢰를 확보해주는 P2P 신뢰네트워크이기 때문이다. 특히, 블록체인 기술과 암호기술을 융합한 암호블록체인을 설명하고 암호블록체인이 제2의 인터넷으로 핀테크 산업 및 보안을 근본적으로 바꾸는 블록체인패러다임을 역설한다. 한편으로는 블록체인의 탄생 배경으로 인해 블록체인에 대한 다양한 오해가 있는 듯하다. 본고에서는 블록체인 기술에 대한 정확한 이해를 바탕으로 향후 핀테크 보안에 있어서 중요한 역할을 담당할 수밖에 없는 이유와 발전 방향에 대해 논하고자 한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2017.11a
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• pp.738-741
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• 2017

금융 산업, IT 기술의 발전과 이를 융합한 핀테크 사업의 활성화에 따라 전자금융거래의 규모가 지속적으로 증가하고 있다. 이에 따라 다양한 사기 결제나 부정 결제의 위험도 증가하고 있다. 그래서 이러한 위험을 사전에 예방하기 위해 데이터 마이닝 기법을 이용한 이상거래 탐지 연구가 활발히 진행되고 있다. 본 연구에서는 데이터 마이닝을 이용한 이상거래 탐지 연구 동향을 살펴보고, 세부 응용 영역별(신용카드, 보험, 기타금융)로 최적의 성능을 보이는 기법을 비교 분석하였다. 이러한 연구의 결과는 이상거래 탐지 시스템에 대한 최신 연구 동향을 이해하고, 다양한 전자금융거래에 적용할 수 있는 범용(General-purpose) 이상거래 탐지 기술 연구에 큰 도움이 될 것으로 기대된다.

• 한국벤처창업학회:학술대회논문집
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• 2020.06a
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• pp.191-195
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• 2020

최근 벤처 캐피탈의 투자는 지속적으로 증가하는 가운데, 특히 핀테크 산업의 투자가 괄목할 정도로 증가하고 있다. 핀테크는 금융과 기술의 만남이라는 관점에서 주목을 받았다. 핀테크 업체는 기존 전통 금융기관이 가지고 있는 Pain Point를 공략하여 혁신을 주도 해 나가고 있다. 결제, 송금 등에서의 비효율을 개선하고 있으며, 자산 관리 분야에서도 편리한 투자 솔루션을 낮은 수수료 체계하에서 제공하여 시장 점유율을 확대가 가속화 되고 있는 실적이다. 이러한 핀테크 스타트업의 성장 추세에서 어떠한 요인이 기업 가치에 가장 영향을 주었는지에 대한 연구는 개념적인 수준에 머물러 있다. 이는 한국의 경우에는 여러 가지 규제로 인해 글로벌 업체 대비 발전에 저해가 되는 제도적인 문제가 있어 성장성을 보이는 업체가 제한되어 있고, 글로벌의 경우도 의미있는 핀테크의 성장은 최근 2~3년내에 빠르게 변화한 상황으로 관련 연구가 시작 단계에 머물러 있다. 본 연구에서는 2000년~2020년 1분기까지의 글로벌 핀테크 업체를 대상으로 어떠한 요인이 기업 가치 증대에 가장 의미있는 영향을 주고 있는지 파악을 하는 것을 목적으로 한다. 금융 CVC 투자 여부, CEO의 학력, 사업 지역, 핀테크내 세부 산업 분류 등의 요인에 대하여 분석을 진행하였다. 이를 토대로 향후 핀테크 산업 성장을 견인 할 수 있는 측면에서 시사점을 제공하고자 한다.

• The Journal of the Convergence on Culture Technology
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• v.3 no.2
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• pp.37-42
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• 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.

• Journal of Digital Convergence
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• v.14 no.9
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• pp.139-147
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• 2016

Korea is ahead of the launch of internet banking professional following to America, Europe and Japan. Internet banking is a professional non-store bank to conduct business such as deposits and loans on the internet and call centers. It is operating in a low-cost structure and minimizes the loans and deposits, various fees than traditional banks and obtains a profit. In order to be successful internet banking professional to develop a differentiated work with the existing banks should be competitive. In this paper, we explore and analyze the cases of Japan and the United States to present the future direction of domestic Internet banking professional future. Also it is expected to enable faster and more convenient one-stop financial services. Internet specialized bank is expected to continue to develop further by the inevitable competition with conventional banks as developing differentiated financial services. Deregulation of banks and industries and participation of various companies of security, insurance, telecommunications, and retail are expected to lead to the convergence among industries and development of new financial services.