• Journal of the Korea Institute of Information and Communication Engineering
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• v.22 no.6
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• pp.881-887
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• 2018

Various services using smart phones are being provided, and a variety of services are also provided in payment fields. Since the mobile payment services is closely related to the monetary part, various characteristics of the mobile system have a close relation with use trust. In this study, accessibility, compatibility, and security were selected as important factors in the mobile payment systems. We will examine how these system factors affect users' cognitive trust, emotional responses such as positive emotions and satisfaction. We surveyed users of mobile payment systems to achieve our research purposes. SPSS 23 and SmartPLS 2.0 were used for the analysis. The results showed that all system factors influenced cognitive trust and emotional response. However, positive emotions did not affect satisfaction. However, when we examine the relationship between emotional responses, positive emotions do not affect satisfaction.

• Journal of Digital Convergence
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• v.17 no.1
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• pp.9-27
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• 2019

The purpose of this study is to examine consumers' responses to mobile payment services by using a text-mining technique focusing on Samsung Pay as it is used in both online and offline transactions. We conducted text frequency analysis, text clustering analysis, and text network analysis using R programming. The major findings are as follows. First, the most frequently used key words referenced the brand names of the mobile devices, the replacement of traditional wallets and unique functions of Samsung Pay. Second, there was a clear split between positive and negative responses at the macro level. Third, replacement of traditional wallets played a great role in the positive responses and continuous use of mobile payment services. This study provides in-depth understanding of consumer responses toward mobile payment services. It also offers practical implications that may help mobile payment marketers correspond to consumer values and expectations, thus increasing consumer satisfaction.

• The Journal of Society for e-Business Studies
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• v.20 no.4
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• pp.77-102
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• 2015

FinTech service industry has been growing rapidly around the world. It has driven innovation in financial and payment service industry with different channels such as mobile based on Information and Communications Technology (ICT). However, FinTech service is vulnerable to different security threats due to use the valuable data such as personal information and financial information. It is undeniable that collection and use of those information may increase the possibility of identity theft or privacy breach. In this paper will develop a self-checklist for the Simple Payment service users (Privacy Pragmatists) who want to make a rational decision to protect their personal information. The checklist is going to let the users assess the personal information protection by performing the assessment themself when they use the service. The body of this paper is going to analyze the items of the checklist and through the analysis, will suggest a security policy for personal information protection of FinTech service.

• Journal of Digital Convergence
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• v.19 no.9
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• pp.271-276
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• 2021

This study is about finding factors affecting user experience in China's mobile payment. The recen development of 5G networks and the spread of phones provide the basis for the development of mobile payment, and the development of mobile payment is showing a rapid upward trend. Because of the simplicity and mobility, it is appealing to people, especially young people. Therefore, this study conducted a survey on mobile payment users in 20s and 30s and confirmed the factors affecting the user experience through regression analysis. Unlike previous studies on mobile payment technology, this study focused on user experience and identified factors affecting user experience, so it is expected to be helpful in the development of mobile payment in China.

• Journal of Digital Convergence
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• v.16 no.9
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• pp.421-426
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• 2018

This study is meant to derive what is needed to enhance the convenience and satisfaction of users of mobile credit card applications. For the first step, the current status of simple payment service using application has been identified and in-depth interview by reorganizing Peter Morvile's Honeycomb model into the five usage principle based on the main function of the application card. As a result, it was found that users prefer personalized services that fulfill the purpose and key functions of the app card and take into account their consumption patterns rather than too many additional functions. Based on this study, it is expected that it would help card companies increase their experience with app card users and strengthen their platforms.

• Information Systems Review
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• v.23 no.4
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• pp.1-22
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• 2021

In the newly encountered economy caused by the Corona virus Disease-19, remote transaction becomes a new normal that disrupt traditional economic order. In the middle of the disruption, mobile tech is placed and remote finance on mobile is highly noticed and considered as an infra-tech to support the new ecology, In mobile finance. remote payment is becoming the most common service and personal identification on it is critical to operate the new service. There are various means of remotely identifying a person. Recently the use of biometric information is increasing. In this study, a correlation analysis was conducted on factors that effects to biometrics usage and the intention to use in remote personal identification. Variables for critical factor in the remote identification were classified into 4 groups such as Performance expectancy, Effort expectancy, Social influence, and Security. The empirical analysis based on the Unified Theory of Acceptance and Use of Technology (UTAUT) was conducted. The relationship between variables and the intention to use is also analyzed. In the study, stepwise regression analysis was conducted four times in which variables were adjusted in individual stage. As a result, the analysis suggests that performance expectancy, effort expectancy, social influence, security have positive effects for intention to use. Additionally, effort expectancy and security have moderating effects to intention to use depends on biometric authentication experience. The analysis has shown positive effect of variables grouped on the intention to use them. It also suggests that the intention to use biometric authentication will quickly grow. This study is expected to make a contribution to utilize and improve the use of biometric information in mobile payment.

• Proceedings of the Korean Society of Computer Information Conference
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• 2015.01a
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• pp.325-328
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• 2015

NFC란 Near Field Communication의 약자로, 양방향 통신을 지원하는 근거리 통신 방법으로, 저전력, 사용의 편이성 등이 새롭게 각광받고 있는 차세대 통신수단이다. 본 논문에서는 기존의 바코드와 유사한 QR코드와 NFC를 모두 이용하는 모바일 환경에서의 소셜 커머스 결제 시스템을 제안한다. NFC를 사용하여 결제하는 제안된 방식이 기존의 결제 방식에 비하여 간편하고 편의성이 증대됨을 보인다.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.26 no.8
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• pp.1158-1164
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• 2022

In this study, the emotional reaction process and the cognitive reaction process were divided into the process of building trust in order to form a continuous use intention in the process of using the mobile simple payment system. We examined the process by which various external factors generate continuous use intentions, that is, behavioral responses through the process of each reaction. External factors were divided into social factors, systemic factors, and social factors. Among them, system factors were social norms and images, and systemic factors were simplicity and accessibility. And the social factors consisted of security and compatibility. And the emotional response was set as pleasure and emotional trust, the cognitive response was cognitive trust, and the final dependent variable was set as continuous use intention. A survey was conducted for model analysis, and the analysis results were derived using PLS.

• The Journal of the Korea Contents Association
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• v.17 no.11
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• pp.525-532
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• 2017

The purpose of this study is to investigate the effect of mobile payment service quality(system quality, service quality) on the formation of trust(cognitive trust, affective trust) and the effect of trust on satisfaction. In addition, we examined gender differences in the process of trust affecting satisfaction. The 188 sets of data collected, those were tested against the model using PLS. The results showed that system quality affected cognitive trust, service quality affected cognitive trust and affective trust, and both cognitive trust and emotional trust had an effect on satisfaction. In addition, the influence of cognitive trust on satisfaction was stronger for males, and affective trust had more influence on satisfaction for females.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.319-325
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• 2016

A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.