• The Journal of the Korea Contents Association
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• v.22 no.10
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• pp.271-278
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• 2022

MyData service integrates and manages user's personal data such as finance, credit, etc, and is expected to provide useful information to the user as personal data in various fields are gradually integrated. Discovering factors that affect the intention to use of MyData service is a very important topic for understanding that service. To this end, in this study, the attributes of the MyData service were derived, and the derived service attributes were grouped together by using factor analysis. As a result, we found four factors such as "convenience", "usefulness", "security", and "control". After that, we established our research model to analyze the causal relationship between these four factors and the intention to use of MyData service. According to the analysis results, among the factors of the MyData service attribute, "convenience", "usefulness", and "control" had a significant effect, and "security" did not have a significant effect. In particular, it was confirmed that "control" had the greatest influence on the intention to use. This study suggests that MyData service provider need to make users recognize they are controlling their data and develop services that provide various benefits to users.

• The Journal of Bigdata
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• v.6 no.2
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• pp.181-195
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• 2021

Interest in the transition to MyData beyond the use of personal data is high worldwide. In order for the ideology of MyData to be realized, various useful MyData services would be developed in practice. Above all, convergence must be premised for the development of MyData. This study proposed strategies for activating MyData convergence services from four perspectives (BLTS: Business, Legal, Technology, and Social). In particular, the purpose w as to revitalize domestic convergence services by comparing European policies and services, which are the most pioneering in the field of MyData, with the domestic situation. It is expected that this study will provide balanced and progressive ideas in the MyData industry and policies.

• Proceedings of the Korea Information Processing Society Conference
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• 2023.05a
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• pp.268-270
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• 2023

기존 Web2.0 시대의 플랫폼 기업은 서비스를 통해 생성된 개인 데이터로 다양한 비즈니스를 창출해왔다. 하지만 데이터 제공자인 개인은 해당 수익에서 제외되는 모순된 상황에 놓였다. 이에 개인이 자신의 데이터를 적극 관리·통제하면서 능동적으로 활용할 수 있는 개념인 마이데이터(MyData)가 등장했다. 국내에서는 '20.8월 데이터3법(개인정보보호법, 신용정보법, 정보통신망법)이 통과되면서 신용정보법에 근거해 금융 분야 마이데이터 서비스가 활성화되기 시작했다. 그러나 현존하는 마이데이터 플랫폼은 중앙화된 시스템으로 본래 취지와 다르게 개인의 데이터 소유권과 통제권을 보장하기에 부족하다. 이에 본 논문에서는 기존 마이데이터 플랫폼의 한계점을 분석하고, Web3.0 등 변화하는 환경에서 개인의 데이터 주권을 보장하고, 데이터 가치를 공정하게 분배받을 수 있는 DID 플랫폼 기반의 마이데이터 서비스 모델을 제안한다.

• The Journal of Bigdata
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• v.7 no.2
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• pp.173-193
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• 2022

With the revision of the Data 3 Act, the financial MyData industry was created newly. MyData services collect the financial customers' data scattered in various financial companies and provide personalized services such as personal financial product recommendation, personal expenditure advice, etc. Although MyData service started in 2022, but the use of the service has not been significantly activated. This study attempted to analyze the factors affecting the use of MyData services from the perspective of financial consumers through VAM, UTAUT2 model. The factors related to the perceived value and intention to use MyData services of financial consumers were verified using benefit and sacrifice variables. Personal Innovativeness was used as a moderating variable. As a result of this study, it was found that personal product recommendation service has an important influence on the use of MyData services, and personal innovativeness has an effect as a modulating variable. It can be said that it is meaningful as a preceding study in terms of timing because it studied the perceived value of consumers less than a year after the MyData service began. From the practical perspectives, it was possible to show the change direction and marketing points of the MyData service. In practice, it was possible to confirm the direction of the service and the marketing point.

• The Journal of Society for e-Business Studies
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• v.27 no.2
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• pp.137-152
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• 2022

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.

• Journal of Internet of Things and Convergence
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• v.9 no.2
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• pp.47-54
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• 2023

The MyData service makes anyone possible to apply the personal information for the personal credit management or the financial management by proactive managing his/her own information. The MyData means that the anyone is able to control or manage the its own information by changing from the company-oriented or the organization-oriented information to his/her own information. It is mandatory to develop the API G/W which transforms the different user format to the standard format to support the MyData service. This study is to design the API G/W for the MyData service and the designed API G/W supports the 4 major functions - Validation function, Throttling function, Authentication&Authorization function, Mediation function. The designed API G/W make it possible to support the safely and efficient MyData service by serving the various queries with the different formats.

• The Journal of Korea Institute of Information, Electronics, and Communication Technology
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• v.16 no.2
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• pp.77-86
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• 2023

Unlike previous studies that dealt with the basic characteristic of My Data in terms of the legal system, this study analyzed the impact of the basic characteristic of My Data, which is finding a balance between the use and protection of personal data, on My Data services and government policies at home and abroad through a literature review to present implications for the creation of a healthy My Data ecosystem. The basic characteristic of My Data acted as facilitators and barriers for the acceptance and activation of My Data services, and suggested the values and directions pursued in the My Data policies of major countries. This suggests that a more balanced perspective is needed in promoting MyData services and government policies in the future. It is hoped that this study will contribute to creating a healthy ecosystem of MyData and promoting desirable government policies.

• Proceedings of the Korea Information Processing Society Conference
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• 2021.05a
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• pp.259-262
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• 2021

데이터 경제 시대를 맞이하여 농업분야에서도 농업인의 편의를 제공하고 정책의 효율성을 높여야만 한다. 이에 농업 보조금 신청 등을 위해 본인의 자격증명을 대신해서 관계 기관들이 수집, 보유하고 있는 데이터를 통해 농업 마이데이터 서비스 구축을 모색하고자 한다. 따라서 본 연구는 농업 마이데이터 서비스 수용의도에 미치는 영향에 관한 연구를 통해, 농업 마이데이터 구축에 필요한 시사점을 도출하고자 한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2020.05a
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• pp.417-419
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• 2020

데이터 3법 시대에 접어들면서 기업들에는 가명화된 개인정보를 활용할 수 있는 길이 열렸다. 하지만 현 데이터 3법은 데이터를 생성하고 유통하며 활용할 기업들의 책임과 혜택에 내용이 맞춰져 있어 아쉬운 감이 있다. 개인의 기본권을 보장하면서도 마이데이터 유통 및 활용을 도울 방법은 없을까? 본 논문에서는 데이터의 주체인 개인이 데이터 주권을 행사하고 실질적인 혜택을 받는 마이데이터 서비스의 활성화를 위한 ID 관리 기술로 블록체인 기반 분산 ID(Decentralized Identification, DID)를 제안하고, DID 수용의도에 영향을 마치는 요인을 연구함으로써 마이데이터 서비스 개발 활성화를 위한 정책적, 실무적 시사점을 도출하고자 한다.

• Information Systems Review
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• v.25 no.4
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• pp.291-314
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• 2023

The concept of Mydata emerged with the expansion of the data economy. MyData aims to empower individuals by enhancing their right to self-determination over their personal data. The use of MyData is expected to enable the provision of innovative service in various fields. Since 2022, MyData has been introduced and actively used in the financial sector. In the future, not only financial institutions but also Bigtech and Fintech companies are expected to actively join and demonstrate rapid expansion. To ensure steady growth for MyData in the financial sector, it is necessary to assess acceptance behaviors from multiple perspectives. However, the majority of existing research solely focuses on positive acceptance. This study analyzed the impact of users' personal characteristics and innovation characteristics on both innovation resistance and acceptance resistance. The analysis revealed that personal and innovation characteristics contribute to an increase in distrust and innovation resistance in the MyData service. In addition, it has been confirmed that it can lead to actions such as delayed acceptance and refusal to accept. The results of this study offer both theoretical and practical insights into user behavior within the MyData service market.