• Annual Conference of KIPS
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• 2015.04a
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• pp.412-414
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• 2015

최근 금융과 IT가 결합한 핀테크 산업이 빠르게 성장하고 있다. 전통적 금융 서비스에서 벗어나 소비자 접근성이 높은 인터넷, 모바일 기반 디바이스의 장점을 활용하여 송금, 결제, 자산관리 등 다양한 분야의 금융서비스를 제공한다. 하지만 핀테크 기술 발전으로 네트워크, 클라이언트, 시스템 등 각각의 부문에서 새로운 보안 위협 요소가 증가 할 것이다. 본 논문에서는 핀테크 보안의 고려사항과 연구동향에 대해 살펴보고 현재 핀테크 분야에서 보안이 적용된 시스템에 대해 분석하고 취급되는 정보보호의 중요성에 대해 고찰한다.

• Proceedings of the Korea Contents Association Conference
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• 2015.05a
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• pp.355-356
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• 2015

인터넷 뱅킹 등록 1억 명 날로 확대, '급격한 기술변화에 대처하고 미래를 선점하는 게 기업의 운명을 결정한다.'라는 말이 실감나는 핀테크혁명의 세상이다. 금융과 기술의 융합을 뜻하는 핀테크(Fin Tech)는 세계 금융의 화두가 되었다. 삼성, 엘지, 다음카카오, 구글, 애플, 아마존, 이베이 등 정보기술(IT)기업들은 결제 송금 투자 대출 등 금융서비스로 사업범위를 확장하고 있다. IT로 진화된 금융 산업이 지난 100년보다 앞으로 10년 동안 더 큰 변화를 맞을 패러다임 변환기를 맞아 미래의 금융주도권을 놓고 금융사와 IT기업 간 경쟁이 치열해질 것이다. 현재 모바일 결제가 일반화되고 있는 핀테크 서비스 현황 및 미래경쟁력에 대하여 연구한다.

• Annual Conference of KIPS
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• 2015.10a
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• pp.620-623
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• 2015

최근 핀테크 기술들이 금융 산업의 전반에 융합되기 시작하면서 다양한 모바일 결제 서비스와 새로운 형태의 금융 서비스가 출시되고 있다. 또한 지문 인식 기술이 탑재된 모바일 단말이 대중화 되면서 모바일 단말의 생체 인증 수단을 온라인 서비스의 본인 확인 수단으로 사용할 수 있는 FIDO(Fast IDentity Online) 인증 기술이 핀테크 산업의 핵심으로 부각되고 있다. 본 논문에서는 FIDO 인증 기술에 대한 개념과 ETRI FIDO UAF 1.0 서버 구현에 대한 내용을 기술한다. 그리고 본 논문에서 소개하는 ETRI FIDO 서버는 2015년 4월에 개최된 FIDO UAF 1.0 상호운용성(Interoperability) 테스트를 통과한 것으로 현재 다양한 업체에 기술 이전되어 제품 및 서비스 개발에 활용되고 있다.

• The Journal of Bigdata
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• v.1 no.1
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• pp.77-84
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• 2016

We investigate the types and characteristics of Fintech has become a major issue. Through this, we believe that the essence of Fintech are platform business and market occupancy. To success Fintech business, the price of Fintech services needs to be lower than that of traditional financial services. The solution is to take advantage of big data and big data analysis. Finally, we think only a win-win cooperation with Fintech startups and financial companies in the direction we need to go.

• Information and Communications Magazine
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• v.34 no.3
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• pp.29-36
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• 2017

모바일 결제, 스마트 뱅킹 등 우리 생활의 일상적인 금융 업무에서 차별화된 편의성을 제공하기 시작한 핀테크 서비스는 사람들의 높은 관심을 받고 빠르게 확산되고 있다. 고도화된 해킹, 정보 유출 등 보안사고가 빈번하게 발생하고 있는 현재의 ICT 서비스 환경에서도 전자금융 서비스가 보안 이외에 소비자의 이용 편의에 관심을 갖고 서비스할 수 있도록 지원한 대표적인 보안 기술은 글로벌 표준으로 자리잡은 FIDO 인증 기술이다. FIDO는 지문, 홍채, 정맥 등 높은 보안성과 편의성을 갖춘 다양한 인증 수단을 지원하여 패스워드와 같은 기존 인증 수단을 빠르게 대체하고 있는 중이다. 본고에서는 현재 상용화 적용되어 보편적인 인증플랫폼으로 자리잡기 시작한 FIDO의 추가적인 인증 요소로서 활용되어 보안을 좀 더 강화할 수 있는 상황인지 기반 인증 기술에 대해 소개하고자 한다. 본 고에서 소개되는 상황인지 기반 인증 기술은 사용자의 고유한 행동적 특징과 환경적 특징을 기계학습 기법을 통해 분석하여 사용자 본인여부를 확인할 수 있는 기술로 사용자에게 명시적인 인증 절차를 요구하지 않아 이용 불편 없이 기존 서비스에 쉽게 적용될 수 있고, 타인이 위조하기 어려운 행동 및 환경적 특징을 활용하는 장점을 갖고 있어 향후 핀테크 서비스의 보안을 한단계 끌어 올려줄 기술로 활용이 기대된다.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.16 no.6
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• pp.287-297
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• 2021

The goal of this study is to investigate and provide information to the Fintech Industry on the main factors responsible for customer loyalty via the mediating effect of customer satisfaction. Secondly, providing traditional banking reasons for customer shifts from banking to Fintech, therefore these factors could be more focused. The consumer choices presented in this study can thus serve as a foundation for further research into post-adoption behaviors associated with Fintech for cross-border payments. This study examines consumer evaluations of how key attributes of fintech using mobile payment services affect their choice by using a conjoint analysis approach, which allows for the approximation of user preferences for specific features. In our study we have used SPSS 26 to test the reliability and mediation effect on the sample size of 348 people who regularly used Fintech for cross border payments. All the questionnaires were prepared if the customers were given fintech as an option instead of traditional banks to send their remittances abroad. The result shows that(Service Quality, Customer's trust and product quality) effecting customer satisfaction significantly would be very helpful for the current fintechs working for home remittances to improve these factors and would serve as a benchmark for the upcoming fintech startups and traditional banks to focus on these factors and catch up the fintech Industry. Finally, it is argued that, in order to be successful, focusing on service quality, customer trust, and product quality triggered customer loyalty for the Fintech in comparison to other traditional options for cross-border payments via the mediation effect of customer satisfaction.

• 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.

• Journal of Convergence Society for SMB
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• v.5 no.4
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• pp.25-30
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• 2015

Recently, interest in Fin-Tech, a compound word of finance and technology, has been increased. However, Fin-Tech that is a mixture of finance and IT is exposed in terms of security. In this paper, we propose a method to solve the security-related problem that occurs in the financial sector where the Fin-Tech is used. Proposed method found out different problems of services which are provided by companies through a variety of financial sectors and described a method to facilitate the security service. In particular, proposed method presents a service plan to secure safety and to minimize the damage. Also, proposed method set an objective to stabilize financial services based on analyzed result after analyzing the problems of existing FinTech security services.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.1
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• pp.209-226
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• 2016

Recently, there is a growing interest in Fintech which is a business based on using IT to provide financial services. At the early stage of diffusion of Fintech, one of the issues raised is the concern for information security. This study examines actual users' information privacy concern and user resistance to Fintech services. We also investigates the effects of social influence and mobile Internet literacy on information privacy concern and user resistance. In particular, this research verifies the interaction effect between regulatory focus and information privacy concern to influence user resistance. Based on the findings, the results of this study provide strategic implications for firms which attempt to reduce user resistance to Fintech services and proliferate Fintech usage.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.11
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• pp.670-681
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• 2016

Recently, based on Internet and mobile environments, the Fintech industry that fuses finance and IT together has been rapidly growing and Fintech services armed with simplicity and convenience have been leading the conversion of all financial services into online and mobile services. However, despite the rapid growth of the Fintech industry, few studies have classified Fintech technologies into detailed technologies, analyzed the technology development trends of major market countries, and supported technology planning. In this respect, using Fintech technological data in the form of unstructured data, the present study extracts and defines detailed Fintech technologies through the topic modeling technique. Thereafter, hot and cold topics of the derived detailed Fintech technologies are identified to determine the trend of Fintech technologies. In addition, the trends of technology development in the USA, South Korea, and China, which are major market countries for major Fintech industrial technologies, are analyzed. Finally, through the analyses of networks between detailed Fintech technologies, linkages between the technologies are examined. The trends of Fintech industrial technologies identified in the present study are expected to be effectively utilized for the establishment of policies in the area of the Fintech industry and Fintech related enterprises' establishment of technology strategies.