• The Journal of Industrial Distribution & Business
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• v.5 no.4
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• pp.23-29
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• 2014

Purpose - This thesis aims to propose a method to help financial institutions improve their customers' convenience online and offline through a Bluetooth based App using the tool of a beacon. The emergence of smartphones in the 21st century and their increasing use makes it possible to search for information easily. Research design, data, and methodology - With the short-distance Bluetooth technology for smartphones, which finds users within a radius of 50m to provide the functions of message transmission and mobile payment, users can access information services and use mobile coupons in certain premises. Thus, beacon-based O2O technology has been developed. Results - This study offers a method of attracting customers through an O2O marketing strategy that overcomes the existing limitations of Web and Offline media. Conclusions -Since beacon technology has the advantage of more accurate positioning than GPS, financial institutions provide their product information for users through the basic function of a beacon, using an O2O (Online to Offline) marketing solution and, therefore, effectively enable customers to make relevant payments online and conduct their financial actions offline.

• Journal of Korea Trade
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• v.27 no.1
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• pp.192-210
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• 2023

Purpose - Vietnam has the fastest growing digital economy in Southeast Asia and is emerging as a critical overseas market for Korean banks in the post-COVID-19 era. Accordingly, many Korean banks entered the Vietnamese market to overcome the limitations of the saturated domestic financial market and create new revenue sources. This study examined the current status of digital finance in Vietnam and the cases of Korean banks that have succeeded in the Vietnamese market. Then, importance-performance analysis (IPA) was conducted on local customers, managers and staff members of Korean banks in Vietnam. Design/methodology - In this study, we analyzed the importance and satisfaction factors of mobile banking app usage in Vietnam through IPA. In particular, we identified the differences between the two groups by considering the viewpoint of customers who use mobile banking apps and that of managers and staff members who provide mobile banking services. Findings - The IPA results from the customer group and managers and staff members group were generally similar, but differences were observed in Ease of Use (Technology), Innovativeness (Organization), and Increase in Revenue (Economic). In the case of the customer group, Ease of Use (Technology) is located in the second quadrant, which shows low satisfaction compared to high importance. However, in the managers and staff members group, Ease of Use (Technology) is located in the first quadrant, which indicates high importance and high satisfaction. This difference in perception can cause complaints from local customers; thus, it is necessary to change the perception of the technological aspect for ease of use of mobile banking apps in consideration of the customer's position. In addition, it is necessary to allocate the resources invested in the Innovativeness (Organization) and Increase in Revenue (Economic) to Ease of Use (Technology). Originality/value - In this study, based on the HOTE framework, factors for using mobile banking apps were derived, and IPA was conducted targeting local customers (app user) and managers and staff members (app provider) of Korean banks in Vietnam. Through this, we presented the results of empirical analysis that can help Korean banks efficiently utilize limited resources and budgets.

• Journal of Convergence Society for SMB
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• v.5 no.3
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• pp.27-31
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• 2015

As the number of smartphone users is increasing with the development of mobile devices, the range of monetary transaction from the individual use is increasing. Therefore, hacking methods are diversified and the information forgery of mobile devices has been a current issue. The forgery via apps in mobile devices is a hacking method that creates an app similar to well-known apps to deceive the users. The forgery attack corresponds to the violation of integrity, one of three elements of security. Due to the forgery, the value and credibility of an app decreases with the risk increased. With the forgery in app, private information and data can be stolen and the financial losses can occur. This paper examined the forgery, and suggested a way to detect it, and sought the countermeasure to the forgery.

• Journal of Convergence for Information Technology
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• v.8 no.5
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• pp.121-129
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• 2018

The university museum is working to discover, research, and exhibit cultural artifacts as well as use them as resources of education and academic researches as one of the important organizations of the university. Current, however, university museums have the low-level usability caused by the reduction of financial and administrative supports of the university. One approach to solve this problem may be the design of mobile docent app for improving the accessibility of the museum. The app enables users get artifacts and education programs without the restriction and learn artifact-related knowledge easily. In this paper, we design and implement a new mobile docent app according to the analysis of content of the Chosun university museum as a real case study. In addition, we evaluate the functionality and usability of the proposed app by affordance-based questionnaire.

• Journal of the Korea Convergence Society
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• v.8 no.4
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• pp.25-36
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• 2017

As smartphone users have increased in recent years, various applications have been developed and used especially for Android-based mobile devices. However, malicious applications developed by attackers for malicious purposes are also distributed through 3rd party open markets, and damage such as leakage of personal information or financial information of users in mobile terminals is continuously increasing. Therefore, to prevent this, a method is needed to distinguish malicious apps from normal apps for Android-based mobile terminal users. In this paper, we analyze the existing researches that detect malicious apps by extracting the system call events that occur when the app is executed. Based on this, we propose a technique to identify malicious apps by analyzing the sequence similarity of kernel layer events occurring in the process of running an app on commercial Android mobile devices.

• Journal of the Korean Society for Industrial and Applied Mathematics
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• v.26 no.4
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• pp.343-352
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• 2022

We present the user-friendly graphical user interface design and implementation of Monte Carlo simulation (MCS) for computing option price of the four-underlying asset step-down equity linked securities (ELS) using the Android platform. The ELS has been one of the most important and influential financial products in South Korea. Most ELS products are based on one-, two-, and three-underlying assets. However, currently there is a demand for higher coupon payment from ELS products because of the increased interest rate in financial market. In order to allow the investors to have higher coupon payment, it is necessary to design a multi-asset ELS such as four-asset step-down ELS. We conduct the computational experiments to demonstrate the performance of the Android platform for pricing four-asset step-down ELS. Furthermore, we perform a comparison test with a three-asset step-down ELS.

• The Journal of Society for e-Business Studies
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• v.26 no.3
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• pp.55-66
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• 2021

The mobile application (APP) market is growing at an unprecedented speed. Amid such growth, the global platform providers are mandating exclusive in-app payments and charging 30% for platform commission fees. A serious tension has arisen between mobile global platform providers and local content providers. The present study attempts to analyze the domestic mobile game market and in-app payment commission fees. This study estimates the size of the domestic mobile game market and platform commission fees by directly using publicly available financial statements and footnote information of some representative listed mobile game firms. Also, the study analyzes the cost structures of the same sample firms and attempts to draw some implications on sustainable growths of the mobile game ecosystem. We estimated that, in 2019, the domestic mobile game market is around 4.9 trillion Won and the ensuing in-app payment commission fees market was 1.5 trillion Won. High market share firms display a proportional increase in in-app payment commission fees in relation to sales growth. This, in turn, makes the in-app payment commission fees a primary cost item far exceeding employee salaries and R&D expenses. During the same period, low market share firms generated a mere profit or experienced net loss. Analysis of the cost structure reveals that these firms are even more liable to higher in-app payment commission fee cost structure than high market share. Most constituents of the mobile game ecosystem are small business entrepreneurs. By employing a micro-level analysis, the study estimates that, in 2019, a representative median firm generates 530 million Won in sales. At the same time, it spends 190 million Won in employee salaries, 50 Won million in R&D and 190 million Won in in-app payment commission fees, respectively. In the absence of other cost items, these three cost items alone account for 73.8% of sales revenue. The results imply that a sustainable growth of the local mobile game market heavily depends upon the cost structure of such representative median firm, the in-app payment commission fees being the primary cost item of such firm.

• The Journal of the Convergence on Culture Technology
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• v.9 no.1
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• pp.755-761
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• 2023

As digital transformation accelerates, the proportion of non-face-to-face services in financial services is also increasing. Recently, user experience has emerged to secure competitiveness in mobile services, and analysis techniques to improve user experience have emerged. User review data, one of the data used for quantitative evaluation, contains a lot of unnecessary information, which is time-consuming to derive improvement directions. Therefore, this study aims to develop a UX analysis system based on the hierarchy of UX needs by using a cosine similarity algorithm and analyze user review data of Kookmin Bank, Woori Bank, Kakao Bank, and Toss for verification. This study proved that the developed UX analysis system is a system that can effectively analyze UX through the analysis of user review data. The system of this study is expected to be easily used to identify improvement plans for the hierarchy of UX needs in an agile organization that needs to quickly reflect customer feedback.

• International Journal of Internet, Broadcasting and Communication
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• v.12 no.1
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• pp.27-36
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• 2020

The popularization of smartphones allows people to instantly get the information that they want, through mobile apps, including financial services, movies and public transportation reservations, games and shopping. Furthermore, leisure activities through overseas travel are increasing due to the improvement of the living standards of people. These increases in overseas travel and the use of mobile apps lead to the increased use of mobile travel apps when booking tour packages. Although there are many studies on the usability assessment and user interface improvement for mobile apps, studies on the usability assessment for mobile travel apps are limited. We tested the usability for mobile travel apps to present some suggestions for improvements so that anyone can purchase travel packages easily and simply. We selected the top three mobile travel apps on Rankey.com that have different UIs. The heuristic method was used to evaluate usability. We present a better UI to allow users to use the app functions more easily by analyzing user interaction, ease of learning, readability, efficiency, and satisfaction for the entire use.

• Journal of Fashion Business
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• v.27 no.6
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• pp.110-123
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• 2023

As social distancing strengthened after the COVID-19 incident, people looked for things they could do alone. Additionally, as people have more financial resources, they purchase products they had previously considered purchasing, and the phenomenon of giving gifts to oneself has also appeared. Accordingly, this study analyzed fashion product reviews of KakaoTalk Gift, the service to exchange gift via SNS mobile app, to discover the phenomenon of self-gifting and the differences from interpersonal-gifting. For post-hoc data, in collected 18,354 pieces after excluding unnecessary data using a Python-based web crawling technique. The self-gifting behavior of KakaoTalk Gift different from the previous study for self-gift. Regardless of the gift-giving contexts, it determines that most self-gift products are material items. There are differences in product types and price levels when choosing gifts for others and oneself. As a self-gift, people typically buy luxury jewelry and branded bags/wallets to wear and show off. As interpersonal, among fashion products, people usually buy beauty products that reflect less personal tastes. When gift-giving to others, people buy products to appropriate prices to reduce the burden on both. When gift-giving to oneself, people buy wanted products regardless of the price. This study is significant because it suggests a new direction in self-gift research by limited online places to give gifts.