• Journal of Venture Innovation
• /
• v.1 no.1
• /
• pp.15-27
• /
• 2018

Interest in Fintech is extremely growing as O2O which means the binding of online and offline appears. The scale of private consumption in South korea reached about 700 trillion won, however, the online trading is only about 60 trillion won, which means 640 trillion won is still trading in offline. The reason the Fintech industry comes into the spotlight is because the foundation of related industries such as the rise of mobile traffic and the fast growth of the financial transaction through the mobile channel is forming. Especially, the introduction of payment systems among these Fintech industries offers convenience to the consumer. Mobile payment has been generalized in daily life such as utility bills and taxi fares. Use of O2O service in various industrial fields in commerce gives convenience to consumers and increase in sales to business in recent commercial transaction which is moving to on-demand channel services. People in smartphone life are supposed to find more convenient services for saving time using their phone, and this kind of environment makes the ordering goods and services through Fintech payments increase. The emergence of O2O services influences the development of Fintech industry and the emergence of convenient and reliable Fintech service through the deregulation of Fintech also affects the activation of O2O services. The complementary relationships between O2O services and Fintech would contribute to economic activation. From the standpoint of the researchers, I would like to further study the methods that can lead to a new paradigm of the financial payments industry through the development of Fintech and the drafts for the market expansion of the current offline commerce making it online in the advent of O2O services in variety industries.

• Review of KIISC
• /
• v.23 no.1
• /
• pp.18-27
• /
• 2013

최근 전자상거래 및 전자금융 기술이 크게 발전하면서 관련기술이 비약적으로 발전하고 있다. 하지만, 편리성 측면의 기술발전이 빠르게 이뤄지는 반면, 안전성측면의 기술발전은 이를 지원하지 못하는 측면이 있다. 실제, 거래가 증가함에 따라 금융정보 등을 유출하는 등의 보안사고도 증가하고 있음이 이를 반증하고 있다. 이러한 기술적인 문제를 해결하고자 다양한 보안 솔루션이 제공되었지만 보안 솔루션의 보안기능이 강화될수록 다양한 환경에서의 이용자 편의성이 저하되어 스마트폰 등과 같은 신기술 시장의 활성화를 저해하는 요인이 되고 있다. 따라서 본 논문에서는 현재 전자상거래에서 발생되는 보안위협을 살펴보고 발생된 보안위협을 최소화하면서 단말기에 설치된 OS 또는 브라우저에 종속되지 않는 보안기술을 제안한다. 제안한 보안기술은 이미지를 이용한 인증기술로서 별도의 보안 프로그램이 불필요하기 때문에 보안기술로 인해 제한되는 서비스가 발생되지 않아 다양한 환경에서 활용될 수 있으며, 이로 인해 이용자는 보다 안전하고 다양한 서비스 환경에서 전자상거래 및 전자금융거래를 수행할 수 있다.

• Review of Korean Society for Internet Information
• /
• v.9 no.2
• /
• pp.27-36
• /
• 2008

2008년 상반기 국내 민간최종소비지출 중 카드 사용비중은 54%로, 이제 카드는 결제수단의 최대 강자로 자리잡았다. 경제활동인구 1인당 신용카드 소지수도 2002년 4.6매에서 2005년 3.5매로 떨어졌다가 2008년도까지 3.8매 선으로 안정되고 있다. 신용카드 이외의 은행, 증권, 저축은행 등의 현금인출용 카드와 교통카드, 모바일 칩카드, 백화점카드, 학생증카드, 직원ID카드, 마일리지카드, 기타 멤버십카드 등을 합하면 국민들의 지갑은 현금보다도 플라스틱카드로 두툼해져 있다. 이동통신서비스 사업자들은 이동통신단말기를 이용하여 다양한 서비스를 개발 제공함으로써 시장의 주도권을 노리고 있고, 교통카드 사업자들은 자사의 전자화폐인 교통카드로 주도권을 지키려 하고 있으며, 기존의 강자였던 은행과 카드사들은 고객을 빼앗기지 않기 위해 고객이 필요로 하는 다양한 서비스는 제공하면서도 주도권은 지키려고 하는 경쟁과 협력이 활발하게 전개되고 있다. 한편, MS카드는 읽기/쓰기가 쉬워 정보유출, 위변조, 복제 등을 통한 사고의 위험이 커서, 선진국뿐 아니라 중동, 중남미, 아시아 국가들까지도 IC카드로의 전환이 진행되고 있다. 국제브랜드 카드사들은 2006년 1월부터 IC카드가 MS 단말기에서 부정 사용될 경우 그 책임을 매입사에 전가시키는 제도(Transitional Chip Liability Shift Program)를 시행하고 있어 국내 카드사들의 피해도 예상된다. 금융감독 당국은 2003년 2월 “IT및 전자금융 안전성 제고대책”에 의거 2008년 말까지 100% IC카드로 전환을 목표로 연도별 전환목표를 통보하고 지도감독하고 있다. 이에 따라 은행의 현금카드는 2008년 6월까지, 신용카드는 2008년 12월까지 전환을 수행하고 있으나, 기타 금융권이나 카드사용자들은 비용부담, 재고소진 등의 문제로 잘 지켜지지 않고 있다. 특히 가맹점 단말기를 교체하여야 할 VAN사 들은 교체비용이 자기 자본을 상회하는 어려움으로 POS나 CAT단말은 거의 전환이 진행되지 않고 있어 IC카드를 가지고 있어도 MS를 이용하는 형편이다. 카드의 종류는 주도권 경쟁으로 늘어만 가고 있어 애초 취지처럼 하나의 카드로 다양한 사업자의 서비스가 통합되기 어려운데다, 단말기의 표준화도 어려워 막상 카드를 안전하고 편리하게 사용하여야 할 소비자들의 지갑만 무거워지고 있다. 본고는 이렇게 우리의 생활 깊숙이 들어온 카드를 편리하고 안전하게 사용할 수 있도록 하는 인프라는 과연 어느 수준이고 시장의 주자들은 어느 방향으로가고 있는지 살펴보고 그 문제점과 과제를 제시하고자 한다.

• Journal of Convergence Society for SMB
• /
• v.5 no.3
• /
• pp.1-7
• /
• 2015

Recently, finance technology related to Fin-Tech has emerged while national and international financial incidents have increased. Security technologies that are currently operated in the financial institutions, have been reported to be vulnerable to security attacks. In this paper, we propose a method of response and plan of security incident using Fin-Tech technology in the divers authentication methods and the usage of biometrics. Proposed method provides a convenient banking services to the users by integrating IT technology, such as personal asset management, crowdfunding to finance technology. Also, the proposed method may provide the security with ease by applying the security technologies such as PCI-DSS, tokenization technique, FDS, the block chain. Proposed method analyzes a number of security cases in relation to the Fin-Tech, financial technologies, for a response.

• The Journal of Information Technology
• /
• v.2 no.2
• /
• pp.107-125
• /
• 1999

The growing popularity of Internet and the technology revolution of information communication has affected our financial system, and electronic banking has increased its scale and range since '90. Now this changes, deeply and fast, invade the our economical-social environments. Without having to go to a bank, customer and merchants will be able to perform freely complicated financial transactions by accessing online banking network and CD/ATM etc. Customer can use the various payment method - cash, credit card, smart cards, electronic money in real world and cyberspace, and manager the assets more efficiently. They increased their money liquidity yet. Banks need to expand the various baskets of transaction services and methods to satisfy their customer needs and create new participator, Government had to evaluate and forecast the trend of electronic banking, and establish a new rules and standards in the new electronic payment system.

• Journal of the Korea Convergence Society
• /
• v.11 no.8
• /
• pp.183-194
• /
• 2020

Recently, in Korea, financial institutions such as banks are most severely affected by the universalization of the Internet and smartphones. On the other hand, the use of online systems by financial institutions keeps increasing; the convenience of online services has a significant influence on the attraction and the retention of financial customers; consumer needs are also diversely expressed. This paper deduces from the precedent researches a mechanism that online financial system enhances the trust of customers -the medium of the online system and other customers- and its perceived easiness affects its perceived effectiveness and then all these internal variables induce satisfaction. Plus, this paper aims at verification of the hypothesis in terms of an extended technology acceptance model, based on the hypothesis that word of mouth and repurchase are significantly linked to this mechanism. Through this study, the researchers tried to check how the online service quality and emotional factors of financial institutions affect the users in accordance with the trend of changes in the service usage method of financial institutions, and confirmed that the hypothesis was not rejected.

• Journal of Digital Convergence
• /
• v.19 no.11
• /
• pp.181-199
• /
• 2021

Recently, financial companies are promoting chatbot services in line with the reduction of branches and the expansion of non-face-to-face services. However, it is difficult to expand the chatbot services at once in the presence of technical limitations and constraints of internal and external environment. Therefore, it is necessary to analyze the various situations of chatbot service to preemptively identify problems that can occur in stages and seek solutions. This study conducted interviews with 12 field practitioners and researchers to examine the intentions and behaviors of financial chatbot service users and interpreted them using TPB. The study revealed the characteristics of 'feelings and attitudes' such as convenience or inconvenience from the chatbot experience, 'subjective norms' such as herd behavior or the yearning for empathy of others, and 'behavioral control' according to the recognition of difficulty or convenience of chatbot use process. This study shows that this characteristic can affect the intention and actual behavior of users to use chatbot service continuously. In the future research, it is necessary to empirically study specific intentions and influence factors for actual users.

• Journal of Digital Convergence
• /
• v.14 no.10
• /
• pp.393-398
• /
• 2016

Stock information applications allow users to look up and find current stock information whenever and wherever. This study researched what kind of user experience the finance experts get when using these applications and what they suggest. The research was conducted through an in-depth interview of 8 finance experts, who worked minimum of three years, and used both Kakao Stock and JeungGwon Tong, the most used stock information applications, for a minimum duration of six months. The results show the user experience of Kakao Stock rated a bit higher than JeungGwon Tong. Since the objective of such applications are to show stock informations, the experts all rated the pleasurable and meaningful aspects rather low. They suggested, the developers should provide a more advanced and accurate information. They also suggested user interest recognized content be presented along with more convenient user interface to elevate usability. Hopefully, this study becomes a base to further study of user experience of various on and offline stock information services and they become a reference to develop a service with great user experience.

• Proceedings of the Korea Information Processing Society Conference
• /
• 2019.10a
• /
• pp.527-529
• /
• 2019

현대 사회에 1인 가구 수가 증가함에 따라 소비 패턴에도 변화가 생기고 있다. 1인 가구의 빈곤율은 2인 이상 가구에 비해 상대적으로 높아 자산관리 서비스의 필요성이 높아지는데 좀 더 접근성이 좋고 편리하게 소비 습관에 대한 조언을 해 줄 수 있는 서비스가 도움이 될 것으로 분석되었다. 또한, 최근 금융 회사들의 챗봇 도입률이 증가하는 중인 것을 참고 해 본 논문에서는 챗봇을 활용한 소비 패턴 분석을 위한 클라우드 기반의 챗봇 가계부 시스템을 제안한다.

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