• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.295-302
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• 2020

The study examines an empirical case that explores the key constructs of the Unified Theory of Acceptance and Use of Technology (UTAUT) (Venkatesh, Morris, Davis & Davis, 2003) and the relationship between security and privacy of the Theory of Perceived Risk (TPR) (Bauer, 1960). This study employs survey data of 200 young Internet users aged 18 to 25. The study was conducted through two steps: preliminary research by qualitative research method to form the official research scale then formal research by quantitative research method using CFA and SEM to test the research model. The research results show that performance expectancy and social influence significantly predict behavioral intention to use e-wallets in payment. In contrast, the factors, namely, security and privacy, and effort expectancy, are statistically insignificant on behavioral intention. Nevertheless, the facilitating conditions factor still affects the behavior of using e-wallets. The study proposes a model to generalize the online payment environment through the integration of UTAUT and TPR models that are important for online payment management and researchers in the technology environment. The findings of this study suggest that social influence significantly affects the intention of young people to use e-wallets instead of security and privacy.

• Earthquakes and Structures
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• 제25권3호
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• pp.149-160
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• 2023

Over the course of the last 4-5 years, India's northeastern region have widely used Autoclaved Aerated Concrete (AAC) blocks to construct load-bearing masonry structures. The aim of this investigation is to examine the shear characteristics of AAC masonry triplet assemblage strengthened by using two techniques, i.e., the bead joint (BJ) and the bed-head joint (BHJ) technique. Three unique variations of wire mesh were involved in the strengthening method. Furthermore, three strengthening configurations were used to strengthen each of the three wire mesh variations and the two-strengthening method, i.e. (-), L and (Z) configuration. The unreinforced and reinforced triplet masonry wallets were tested under direct shear test. From the results obtained, the 'BJ'triplet masonry wallets observed an enhanced in shear strength of about 2.23% to 23.33 % whereas the 'BHJ' triplet masonry wallets observed an enhanced in shear strength of about 22.92% to 50.69%. The "BHJ" strengthening method effectively enhance the shear strength of the triplet masonry wallets compared to the "BJ" and the "UR" wallets with an increase in capacity as the wire mesh strength increases. Furthermore, in terms of the strengthening configuration, the (Z) configuration performs better, followed by the (L) and (-) configuration demonstrating the strengthening configuration effectiveness.

• International Journal of Computer Science & Network Security
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• 제21권6호
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• pp.222-230
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• 2021

Mobile wallets have been in continuous demand and developed over the past few years, especially during the COVID-19 pandemic. Several studies have examined user intentions and perspectives. This study develops a conceptual model combining behavioral factors with the technology acceptance model (TAM). The goal is to identify key factors that influence user's intention to adopt mobile payments. This study uses the TAM and the unified theory of acceptance and use of technology (UTAUT) models with additional factors. The additional factors are security, trust, facilitating conditions, and lifestyle compatibility. The study analyzes the results of a survey of 394 Saudi citizens conducted via an online survey. The results indicate that user attitudes and intentions are positively influenced by all of the factors. Perceived usefulness, perceived ease of use, lifestyle compatibility, and facilitating conditions are direct predictors of user behavior in accepting mobile wallet payments. This study provides an empirical contribution to the literature on mobile payment acceptance on the effect of perceived usefulness and lifestyle compatibility. The results demonstrate that about 26% of the respondents started using mobile wallet services because of the COVID-19 pandemic.

• International Journal of Advanced Culture Technology
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• 제11권2호
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• pp.125-131
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• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• 한국의류학회지
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• 제47권4호
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• pp.646-665
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• 2023

This study attempted to examine the characteristics of fashion cross-border e-commerce(CBEC) by analyzing about 35.7 million cases of customs clearance data received from the Korea Customs Service. The demographic characteristics of consumers and the features of products purchased from 2019 to 2021 were explored. Next, the association rules between products, brands, and websites were analyzed by men and women in their 20s to 50s. The results are as follows. First, women purchased more clothing products than men, and overall, consumers tended to purchase products at low prices every year. Second, the most commonly purchased products were T-shirts, bags, and other shoes. In the list clearance, the purchase frequency of international open markets increased for three years; in general clearance, the proportion of luxury brands was high every year. Finally, in the list clearance, the relationships between bags, other shoes, pants, and overseas open markets were significant, while the relationships between wallets, bags, and luxury brands were significant in general clearance. Based on this study, domestic companies participating in or competing against the CBEC market can develop appropriate strategies for merchandising and sourcing clothing products.

• 경영정보학연구
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• 제23권3호
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• pp.177-200
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• 2021

최근 전자지갑, 디지털화폐, 선불포인트, 선불카드 같은 선불전자지급수단의 사용이 점차 증가하고 있다. 선불지급수단은 선 충전, 후 사용이라는 특성이 있다. 본 연구는 선불 충전이 필요한 서비스의 개선에 도움을 주고자, 선불전자지급수단의 온라인 충전 이용의도에 영향을 미치는 요인들에 대하여 기술수용모델을 변형하여 실증적으로 연구하였다. 선불전자지급수단의 온라인 충전 이용의도에 관련된 선행연구가 많지 않아 기존 간편결제와 전자화폐에 대한 연구들을 통해 요인 변수를 도출하였다. 선불 교통카드 사용자를 대상으로 조절효과를 중심으로 온라인 충전의 이용의도를 분석하였다. 연구 결과 독립변수 중에서 '편리성', '보편성', '자기효능감'은 매개변수인 '지각된 유용성'에 정(+)의 영향을 미치는 것으로 나타났다. '지각된 유용성'은 종속변수인 '이용의도'에 유의한 영향을 미치는 것으로 분석되었다. 사용자들의 성별, 인터넷 사용시간, 인터넷 쇼핑 구매빈도, 모바일충전 이용빈도, 교통카드 이용형태 등에 따라서 '지각된 유용성'과 '이용의도'에 조절효과가 유의미하게 나타났다. 시사점으로 선불 서비스의 유용성을 높이는 방향으로 서비스에 대한 개선과 차별화된 마케팅의 필요성을 제안하였다. 다른 요인변수와 조절변수를 추가하여 전자지갑, 간편결제포인트, 디지털화폐 등의 서비스를 대상으로 향후 연구 방향을 제시하였다.

• 융합정보논문지
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• 제9권10호
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• pp.9-15
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• 2019

최근 차세대 전자상거래 및 금융 분야에서는 비트코인, 이더리움 등의 블록체인 기반 기술에 관심이 크다. 블록체인 기술의 보안성은 안전하다고 알려졌지만, 가상화폐 관련 해킹 사건/사고들이 이슈화되고 있다. 가상화폐 지갑에 대한 로그인 세션 탈취, 악성코드 감염으로 인한 개인키 노출, 단순한 암호 사용 등 외부환경의 취약성이 주요 원인이었다. 그러나 개인키 관리는 전용 애플리케이션 활용 또는 로컬 백업, 문서 프린트를 통한 물리적 보관 등 일반적인 방법을 권장하고 있다. 본 연구에서는 화이트박스 암호 기반 개인키 보호 기법을 제안한다. 안전성 및 성능분석 결과 개인키 노출 취약점에 대한 안전성을 강화하고, 암호화키를 알고리즘에 내장하여 기존 프로토콜의 처리 효율성을 증명하였다.