• 제목/요약/키워드: Digital Financial Services

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A Review of IPTV Threats Based on the Value Chain

  • Lee, Hong-Joo
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • 제3권2호
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    • pp.163-177
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    • 2009
  • The demand for services using digital technology is constantly increasing as new developments in digital consumer electronics and the Internet are made. This is especially true in terms of the demand for IPTV utilizing high speed Internet networks. Research on IPTV threats is important for facilitating financial transactions via IPTV and preventing illegal use or copying of digital content. Thus, this paper analyzes IPTV threats via the IPTV value chain. That is, the distribution system for IPTV service is analyzed along with the components of the value chain and corresponding IPTV security requirements or security technologies, in order to perform a threat analysis and research suitable for the IPTV service environment. This paper has a greater focus on the value chain of the IPTV business than the approach in previous research, in order to analyze security requirements and technologies that are more applicable to the business environment.

고령화에 대비한 다양한 융복합 금융 서비스 개발의 필요성 (The necessity of developing various convergence financial services in preparation for the aging)

  • 최정일;안창용
    • 디지털융복합연구
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    • 제13권4호
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    • pp.137-146
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    • 2015
  • 우리나라에서는 고령화가 세계 주요국들에 비해 가장 빠르게 진행되고 있다. 반면, 저금리 저성장의 영향으로 노후대비 자금을 마련하는 것이 더욱 어려워지고 있다. 본 연구의 목적은 향후 고령화시대에 대비하여 다양한 금융 서비스 제공의 필요성을 살펴보는데 있다. 각종 자료 분석 및 은행직원과 일반인을 대상으로 한 설문조사 결과는 다음과 같다. 우리나라의 소득 대체율 55%는 세계은행의 권고 수준 75% 대비 매우 낮았다. 은퇴 후 수입원 중 연금 비율 역시 미 일에 비해 크게 낮았다. 설문조사에 참여한 가장 많은 사람이 은퇴 이후 생활자금 규모로 매월 200-299 만원을 필요로 하였다. 노후대비 투자 상품으로는 연령대가 높을수록 예 적금 비중이 높았고 연령대가 낮을수록 보험 연금 비중이 높았다. 이러한 분석 결과를 토대로 재무 비재무 측면을 종합적으로 고려한 생애중심 재무 설계, 은퇴 단계별 솔루션 제시, 주택금융의 활성화 및 다양한 은퇴 설계상품 개발의 필요성이 제시되었다.

The Singular Economy: End of the Digital/Physical Divide

  • Meceda, Ann M.;Vonortas, Nicholas S.
    • STI Policy Review
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    • 제9권1호
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    • pp.133-157
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    • 2018
  • The divide between the "digital" economy and the traditional "physical" economy is outdated. In fact, we are in a transition to a singular economy. This paper classifies economic objects (including actors) as either physical or virtual and argues that due to emerging technologies, these objects are interacting with each other in both physical and increasingly digital spheres in tandem. This paper recognizes the elemental difference between atoms and bytes but argues that physical and digital economic activities are becoming inseparably intertwined. Furthermore, arbitrarily dividing the economy into two categories - one "physical" and the other "digital" - distorts the overall view of the actual execution of economic activity. A wide range of innovations emerging concurrently is fueling the transition to a singular economy. Often referred to as the elements of the Fourth Industrial Revolution (4IR), four emerging technological areas are reviewed here: distributed ledger technology, artificial intelligence/machine learning/data sciences, biometrics and remote sensor technologies, and access infrastructure (universal internet access/electricity/cloud computing). The financial services sector is presented as a case study for the potential impact of these 4IR technologies and the blurring physical/digital line. To reach the potential of these innovations and a truly singular economy, it requires the concurrent development of social, organizational, and regulatory innovations, though they lag in terms of technological progress thus far.

A Study on Space Utilization according to Changes in Non-face-to-Face Consumer Use : Focused on bank offices

  • Hwang, Sungi;Ryu, Gihwan;Yun, Daiyeol;Kim, Heeyoung
    • International Journal of Advanced Culture Technology
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    • 제8권4호
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    • pp.271-278
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    • 2020
  • Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

Cost-Benefit Analysis of E-Government: Australia

  • Yoon, Joseph;Moon, Yong-Eun
    • 디지털융복합연구
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    • 제3권2호
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    • pp.73-116
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    • 2005
  • When people contact the government they can use a variety of channels. That is, they go in person to an office, use a telephone service, access information via the Internet, send a letter, or use a third party. Since the Australian Government first recognised the potential of online technology to improve service delivery in its 1997 Investing for Growth statement, it has articulated its policies and strategies for e-government in a number of papers. E-government involves government agencies delivering better programs and services online through the use of new information and communication technologies. The policy papers included Government Online-The Commonwealth's Strategy, launched in April 2000, and a new framework for e-government, Better Services. Better Government, launched in November 2002. Most recently, the Government released Australia's Strategic Framework for the Information Economy in July 2004. These papers outlined the broad directions and priorities for the future of e-government in Australia, and sought to maintain the momentum of agencies' actions under Government Online. One of its key objectives was for agencies to achieve greater efficiency in providing services and a return on their investments in ICT (Information and Communication Technology)-based service delivery. They also stated that investing in e-government should deliver tangible returns, whether they take the form of cost reductions, increased efficiency and productivity, or improved services to business and the broader community Implementation of the Government policy has led to considerable agency investment in ICT-based service delivery. However government policy also requires managers to ensure that program and service delivery is efficient and effective. Efficient and effective use of ICT has the potential to improve service delivery and to make financial savings. This paper outlines how people are using the channels to contact the government in Australia. It also examines the level of satisfaction they have with those services and their preferences and expectations. In addition, this paper aims at identifying the methods used by Australian Government to measure the efficiency and effectiveness of their delivery of services, and at assessing the adequacy of these methods.

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INFORMATION AND COMMUNICATION TECHNOLOGIES AS A TOOL OF STRATEGY FOR ENSURING THE HIGHER EDUCATION ADAPTABILITY TO THE DIGITAL ECONOMY CHALLENGES

  • Kholiavko, Nataliia;Popelo, Olha;Bazhenkov, Ievgen;Shaposhnykova, Iryna;Sheremet, Oleh
    • International Journal of Computer Science & Network Security
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    • 제21권8호
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    • pp.187-195
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    • 2021
  • The intensification of the processes of the digital economy development is leading to the transformation of the higher education system. Universities are forced to digitalize their own educational, research, international, marketing, financial and economic activities in order to maintain a competitive position in the global market of educational services. The purpose of the article is to study the role of information and communication technologies in the development of the higher education system and to ensure its adaptability to modern challenges of digital economy. To achieve this goal, methods of content analysis, logical generalization, systematization and a structural-functional method are used. In the article, the authors substantiate the urgency of forming a holistic strategy to ensure the adaptability of higher education to the challenges of digital economy. In the structure of this strategy, the information-technological block is singled out and described. The authors specified a set of positive synergetic effects from the introduction of modern information and communication technologies in the activities of universities. The main information threats to the digitalization of higher education related to the protection of personal data and university systems from cyberattacks and fraudulent schemes are identified. In conclusion, the authors detail the measures for the strategy implementation to ensure the adaptability of higher education to digital economy.

클라우드 환경을 고려한 디지털 포렌식 프레임워크 (Digital Forensics Framework for Cloud Computing)

  • 이창훈
    • 한국항행학회논문지
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    • 제17권1호
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    • pp.63-68
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    • 2013
  • 최근 세계적인 경제위기 속에서 국내외의 기업들이 IT 투자를 보류하거나 예산을 대폭 삭감하고 있다. 이에 기업들은 IT 부문에 있어서의 비용 절감을 통한 위기 극복 방안을 모색하고 있으며, 이러한 상황에서 클라우드 컴퓨팅(Cloud Computing)은 위기 극복을 위한 최적의 솔루션으로 빠르게 부상하고 있다. 또한 디지털 포렌식 조사과정에서 조사 대상 시스템의 사용자가 클라우드 서비스를 사용했는지 여부는 추가적은 조사 대상의 선정에 매우 중요한 요소이다. Daum Cloud, Google Docs와 같은 클라우드 서비스를 사용하였을 경우, 로그인 정보를 획득하여 원격지의 클라우드 서비스에 접속이 가능한 경우가 있다. 이러한 경우에는 원격지의 증거 데이터를 수집할 수 있는다. 따라서 다양한 클라우드 서비스에서 데이터를 수집하고 분석하는 방안에 대하여 연구가 필요하다. 이에 본 연구에서는 서비스별 데이터 수집 및 분석 기법에 대해 연구하여 클라우드 환경을 고려한 디지털 포렌식 프레임워크를 제안한다.

위치서비스에 기반한 개인위치정보에 대한 감리방법 (The Audit Method for Private Location Information based on Location Services)

  • 서정호;서희명;김동수;김희완
    • 디지털융복합연구
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    • 제10권5호
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    • pp.251-266
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    • 2012
  • 위치정보란 특정한 물건이나 개인이 특정한 시점에 존재하거나 존재하였던 장소에 관한 정보이다. 스마트폰이 대중화되면서 위치정보는 단순히 장소에 관한 정보를 넘어서 개인의 위치정보를 이용한 서비스가 대세를 이루고 있다. 그러나, 개인정보의 유출로 야기되는 문제는 금전적 경제적 손실을 넘어서 개인의 이동경로 혹은 개인의 위치를 직접적으로 확인할 수 있는 정보이기 때문에 개인의 신상에 영향을 미칠 수도 있다. 개인위치정보의 관리를 위한 위치기반 서비스들을 통제할 수 있는 가이드 등이 부족한 현실이다. 따라서 본 논문에서는 개인의 위치정보 침해 및 유 노출을 사전에 통제하기 위해 정보시스템 분석 설계 운영 단계에서 개인위치정보에 감리를 수행할 때, 사법처리기준, 재무손실등급, 개인위치정보 중요도, 점검항목의 중요도가 포함된 점검항목을 제안하였으며, 전문가들의 설문 조사를 통하여 제안한 점검항목에 대한 적합성을 검증하였다.

스마트폰 기반에서 안전한 디바이스 모니터링을 위한 디바이스 식별 및 통신 기법 설계 (A Design of Device Identification and Communication Method for Secure Device Monitoring based Smart Phone)

  • 진병욱;안희학;전문석
    • 디지털산업정보학회논문지
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    • 제13권1호
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    • pp.69-78
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    • 2017
  • As the smartphone-based devices are diffused and developed rapidly, they provide the convenience to the users. The abovementioned sentence technologies are being used not only in the existing sensor and wireless network technology but also in the application services of the diverse fields application services such as smart appliance, smart car, smart health care, etc. and the new fusion paradigm from the industry is presented by undertaking the researches in diverse area by the enterprises and research institutions. However, the smart environment exposes its weaknesses in the mobile terminal area, existing wireless network and IT security area. In addition, due to new and variant ways of attack, not only the critical information are disclosed However also the financial damages occur. This paper proposed the protocol to perform the smartphone-based safe device monitoring and safe communication. The proposed protocol designed the management procedure of registration, identification, communication protocol and device update management protocol and the safety against the attack techniques such as the an-in-the-middle-attack, impersonation attack, credential threat, information leaks and privacy invasion was analyzed. It was observed that the proposed protocol showed the performance improved by approximately 52% in the communication process than the existing system.

일개 지역사회 중심 가정간호사업소의 운영실태 및 운영방안 (A Study on the Operating Status of Community-based Home Health Care Centers)

  • 이은희;박성애
    • 간호행정학회지
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    • 제17권2호
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    • pp.180-188
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    • 2011
  • Purpose: This study was done to evaluate the operating status of community-based home health center for revitalization of the centers. Method: In this study performance data including organization plan and service utilization plan were evaluated according process theory. Target of evaluation was the community-based home health care center. Results: The vulnerable part of the organization was the information system and financial resources. The home health center introduced PDA (Personal Digital Assistants) in 2005, however home health care nurses did not make full use of it. This service received full support from Seoul city and local government and there were no other sources of income. The vulnerable part of service utilization was service expansion and standardization due to vulnerability of organizational aspects. Conclusions: The home health care center provides high quality services to underprivileged people. In the future, these services should be provided with equity for continuous health care for this population.