• 한국벤처창업학회:학술대회논문집
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• 2018.11a
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• pp.93-96
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• 2018

통계청 자료에 따르면 지난해 자영업 폐업률은 전년 대비 10.2% 포인트 높은 87.9%를 기록했다. 자영업 4개 업종인 도소매업, 음식, 숙박업은 지난해 48만 3985개가 새로 생겼으며 반면 42만 5203개가 문을 닫았다. 2018년 8월 통계청 자료에 따르면 온라인쇼핑 거래액은 전년 동월 대비 19.6% 증가했고, 모바일쇼핑 거래액도 모바일 이용 확산과 간편 결제 서비스 발전 등에 힘입어 전년 동월 대비 29.7% 증가하였다. 본 연구에서는 소매업인 온라인 쇼핑몰은 매년 20%대의 성장률을 보이고 있는 점에 주목해서 온라인 쇼핑몰의 매출 성과와 연관이 있는 방문 의도에 미치는 변수를 연구하고자 한다. 해마다 판매자가 증가하고 있는 온라인 쇼핑몰 업계는 치열한 경쟁과 늘어나는 마케팅 비용을 감당하지 못해 폐업의 수순을 밟고 있는 경우가 많다. 온라인쇼핑 운영자들이 하고 있는 대표적인 마케팅 방법인 블로그, 키워드 검색광고, SNS 채널 마케팅이 온라인 쇼핑몰의 방문 의도에 얼마나 영향을 미치고 있는지 연구 조사하고자 한다. 특히 온라인 쇼핑몰에 방문하는 사람들의 개인적 특성인 충동구매 성향, 다양성 추구 성향, 자기조절 성향을 조절 변수로 하여 개인 성향에 따라 각 독립변수들과의 방문 의도 상관관계를 알아보려 한다. 독립변수들이 방문 의도와의 관계를 실증 분석하여 온라인쇼핑몰의 준비하는 예비창업자나 기창업자들에게 보다 지속적인 기업성장과 매출성과에 도움이 되고자 한다.

• Journal of Internet Computing and Services
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• v.22 no.5
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• pp.69-77
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• 2021

The main channels of the financial industry are rapidly changing to mobile. In this environment, banks are focusing on information and communication technology to secure their competitiveness, and rapid innovation is being pursued especially in the payment settlement sector. In October 2019, Korea also introduced open banking services to accelerate the financial innovation, such as the open conversion of financial settlement networks and the expansion of the use of simple payments. In this paper, an empirical study was conducted on the effect of domestic open banking quality factors on usage intention. The service quality factors for open banking were classified into interface design, innovation, security, and data sharing, and the technology acceptance model (TAM) was used to verify whether it has a significant effect on perceived convenience, usefulness and intention to use. According to the analysis results, while innovation and security did not have a significant effect on convenience and usefulness, interface design and data sharing were found to have an effect on perceived convenience. The results would provide implications for some quality issues for companies seeking to introduce open banking services as well as for the related academic arena.

• The Journal of Information Systems
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• v.26 no.4
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• pp.303-325
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• 2017

Purpose The purpose of this study is to forage for the factors for explaining the adoption behavior of the mobile convenient payment system based on the Personality Trait, Unified Theory of Acceptance and Use of Technology, and Regulatory focus. Design/methodology/approach This study made a design of the research model by integrating the factors of Unified Theory of Acceptance and Use of Technology with the factors of Big five personality traits on the basis of Samrt device environment. In addition, this study, did empirical analysis of the structural equation model by PLS(Partial Least Squares) in order to find out the relationship of personal factors and mobile convenient payment system's features. Findings According to the empirical analysis result, this study confirmed that the acceptance of mobile convenient payment systems is influence by personality traits and factors based on Unified Theory of Acceptance and Use of Technology and trust. In addition, this study find out that the behavior of an adoption of mobile convenient payment systems according to the type of regulatory focus.

• Korean Management Science Review
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• v.33 no.2
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• pp.65-74
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• 2016

The present study applies the TAM (Technology Acceptance Model) to investigate the factors that affect the intention to use the mobile payment services. For this purpose five potential variables (perceived usefulness, perceived convenience, ubiquity, innovativeness, and safety risk) that are expected to affect the intention to use the mobile payment services were selected. An online survey was administered, and 339 questionnaires were analyzed. Structure Equation Model (SEM) Analysis revealed that TAM variables (perceived usefulness and perceived convenience) partially influenced the attitude. The perceived usefulness predicted the attitude while perceived convenience did not predict the attitude toward the mobile payment service. Personal characteristics variable (innovativeness) and mobile nature variables (ubiquity, and security risk) were identified as the predictors of the attitude toward the mobile payment service. While innovativeness and ubiquity affected the attitude positively, security risk affected the attitude negatively. Finally, the analysis substantiated the influence of attitude toward the mobile payment services on the intention to use the services. On the basis of findings, managerial implications and suggestions for further studies were discussed.

• Journal of Information Technology Services
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• v.15 no.2
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• pp.185-201
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• 2016

Recently, due to the rapid development of IT (information technologies), a variety of attempts have been made to incorporate IT into other fields such as finance and manufacturing. Among them, a novel concept in the spotlight is FinTech, which is a combined word of finance and technology. FinTech is a line of business demonstrating an innovation development through IT in the financial service industry. One of the most popular types of FinTech is a third-party mobile payment service (MPS), the examples of which can be easily found in South Korea while the actual use of the service is relatively inactive. Therefore, the main purpose of this paper is to empirically investigate influencing factors of intention to use the third-party MPS. Based on individual characteristics and the task-technology fit model, the research model of the study is developed, with switching cost included as a moderating variable. The results of structural equation model testing with 316 potential users of Kakao Pay, one of the most popular business models of the third-party MPS, show that innate innovativeness, task characteristics, and technology characteristics are positively influencing task-technology fit, which in turn significantly affects intention to use the third-party MPS. The negative moderating role of switching cost is also found. These results could help managers develop better strategies to motivate potential users to participate in their services.

• Journal of Information Technology Services
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• v.16 no.2
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• pp.139-156
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• 2017

Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.

• Human Ecology Research
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• v.55 no.4
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• pp.399-417
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• 2017

The recent globalization of the consumer market has highlighted the importance of a brand; subsequently, brand extension is strategically used to launch of various products and services. Especially, various and new services based on information and communication technology for the convenience of consumers have been provided continuously. This study examined consumer's evaluation for brand extension centered on the brand extension as a mobile payment service through consumer propensity and familiarity as well as attitude toward a brand. The research is as follows. First, it shows that self-efficacy and implicit theories among consumer characteristics positively influence familiarity and attitude toward a brand. Second, it shows that the planned consumption tendency among consumption characteristics of a consumer positively affect familiarity toward a brand. Third, it is confirmed that the brand extension on parents brand affects the attitude towards brand extension, and the attitude towards brand extension is connected to a willingness to recommend through the purchase intention. This study empirically confirms the importance of consumer propensity, the consumer's perception, and evaluation towards the brand extension of the company as well as the continuous efforts and required company activities to build and form a positive attitude and familiarity of consumers for the brand. This study can be used as basic data for the strategy development of brand extensions in service companies.

• Journal of Internet Computing and Services
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• v.16 no.1
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• pp.9-20
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• 2015

Nowadays, Smart Wallet technology trend that is able to save users' consuming costs and also retain users' redundant behaviors such as Single-tapping, One-way communication, Integrated ID, has been issued in recent Mobile Industrial Fields. As one of Smart Wallet functions, Integrated ID is proposed for users' convenience, handiness, and immediate responses. It is designed for the effective management of users' IDs which are easy to be forgot because of its unusual structures. To be detail, instead of user, Integrated ID system can certificate users identification from various online sites (where user resisted) authorization requests via one-clicking, not putting identification data in each sites. So, this technology would be helpful much to a certain user who has lots ID and its Password in multiple Online shopping companies by establishing integrated ID. However, although Integrated ID has lots advantages to be used, most Mobile Service Companies has hesitated to apply Integrated ID service in their shopping systems because this technology requires them sharing their users' data. They have worried that this service would be not helpful to gain their profits. Furthermore, Users who join in multiple shopping companies and use Integrated ID services also are difficult to decide which company they have to save their points in before payment because this system could not show any financial benefit analysis data to their users. As following facts, via this paper majorly we propose the advanced Integrated ID system which concern shopping point management. Basically, this system has a strong security payment service and secure network services like other mobile Shopping systems. Additionally, this system is able to service (or to support) shopping -point -saving guide for customers' financial benefits and conveniences.

• KIPS Transactions on Software and Data Engineering
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• v.5 no.12
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• pp.671-676
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• 2016

Recently, according to the limelight of Fintech, simple payment using biometric at smartphone is widely used. In this paper, we propose a new contactless biometric method using thumb image without additional sensors unlike previous biometrics such as fingerprint, iris, and vein recognition. In our method, length, width, and skin texture information are used as features. For that, illumination normalization, skin region segmentation, size normalization and alignment procedures are sequentially performed from the captured thumb image. Then, correlation coefficient is calculated for similarity measurement. To analyze recognition accuracy, genuine and imposter matchings are performed. At result, we confirmed the FAR of 1.68% at the FRR of 1.55%. In here, because the distribution of imposter matching is almost normal distribution, our method has the advantage of low FAR. That is, because 0% FAR can be achieved at the FRR of 15%, the proposed method is enough to 1:1 matching for payment verification.