• 한국IT서비스학회지
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• 제21권3호
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• pp.1-25
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• 2022

The financial MyData service has implemented in January 2022 and launched 45 services by banks, securities, credit cards and fintech companies. This study applied the Q methodology, to identify the user types of MyData services and compared the perceptions of employees of financial institutions who plan and develop the MyData services. There are three types of MyData service users: active users, limited users who focus on consumption and asset status inquiry, and sensitive users for personal information. There were two types of recognition of financial company employees. One is the active user support other is the sensitive user for personal information support. The analysis of subjective perceptions can be used as a reference for establishing a company's MyData service marketing strategy and establishing related policies to improve the MyData ecosystem.

• 한국정보시스템학회지:정보시스템연구
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• 제26권4호
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• pp.189-202
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• 2017

Purpose The purpose of this study is to find the factors for explaining the relationship between the satisfaction of IT consulting and entrepreneurship based on the corporate performance, financial and economic performance. Design/methodology/approach This study made a design of the research model by integrating the factors of entrepreneurship and satisfaction of IT consulting on the basis of ecosystem. In addition, this study, did empirical analysis of the structural equation model by PLS(Partial Least Squares) in order to find out the moderating effect of satisfaction of IT consulting on entrepreneurship. Findings According to the empirical analysis result, this study confirmed that the moderating effect of satisfaction of IT consulting on entrepreneurship, which increase the influence the effect of entrepreneurship on the corporate performance. However, the second order factor of enterprise ecosystem has no effect on the corporate performance. In addition, this study find out that the important role of IT consulting according to the change of business environment.

• 한국IT서비스학회지
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• 제20권6호
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• pp.63-81
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• 2021

Joint financial network of Korea Financial Telecommunications and Clearings Institute, which is an essential facility with a natural monopoly, maintained its closedness as monopoly/public utility model, but it has evolved in the form of open banking in order to obtain domestic fintech competitiveness in the rapidly changing digital financial ecosystem such as the acceleration of Big Blur. In accordance with digital transformation strategy of financial institutions, various ICT companies are actively participating in the financial industries, which has been exclusive to banks, through the link technology called Open API. For this reason, there has been a significant change in the financial service supply chain in which ICT companies participate as users. The level of security in the financial service supply chain is determined based on the weakest part of the individual components according to the law of minimum. In addition, there is a perceived risk of personal information and financial information leakage among the main factors that affect users' intention to accept services, and appropriate protective measures against perceived security risks can be a catalyst, which increases the acceptance of open banking. Therefore, this is a study on factors affecting the introduction of open banking to achieve financial innovation by developing an open banking security control model for financial institutions, as a protective measures to user organizations, from the perspectives of cyber financial security and customer information protection, respectively, and surveying financial security experts. It is expected, from this study, that effective information protection measures will be derived to protect the rights and interests of financial customers and will help promote open banking.

• 디지털융복합연구
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• 제20권2호
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• pp.225-239
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• 2022

본 연구는 농업경영체 종사자를 대상으로 재정지원 활용을 조절변수로 하여 디지털농업화 요인이 기업성과에 미치는 영향을 연구하였다. 디지털농업화 요인을 디지털기술혁신지향성, 생태계건강성, 운용혁신지향성 및 기업가정신 지향성으로 구분하고 기업성과를 종속변수로 설정하였다. 전국에 소재한 농업경영체 종사자들을 대상으로 수집한 설문지 212부를 실증분석에 사용하였다. SPSS v22.0과 프로세스매크로 v3.4를 활용한 분석결과는 첫째, 디지털기술혁신지향성, 운용혁신지향성 및 기업가정신지향성은 기업성과에 유의한 영향을 미치고 생태계건강성이 기업성과에 미치는 영향은 유의하지 않는 것으로 나타났다. 둘째, 재정지원 활용은 디지털기술혁신지향성과 기업성과, 기업가정신지향성과 기업성과 간의 관계를 유의하게 조절하는 것으로 나타났다. 반면에 운용혁신지향성과 기업성과, 생태계건강성과 기업성과 간의 관계를 유의하게 조절하지 않는 것으로 나타났다. 또한 후속 연구로는 새로운 매개변수 발굴을 통한 매개모형 연구와 조건부과정 모형을 통한 조절된 매개분석 연구가 필요할 것으로 보인다.

• East Asian Economic Review
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• 제23권3호
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• pp.285-309
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• 2019

Unlike the popular belief, digital transformation mainly gets stymied by legal and regulatory issues related with legacy institutions in Asia rather than technical difficulties. The real challenges triggered by the PSD2 (Payment Services Directive 2) are how the region would overcome the overly fragmented, centralized, and hierarchical legacy framework to allow necessary changes to respond to the digital single market initiatives as promulgated by the European counterpart. The PSD2 is expected to bring about substantial changes in the payment ecosystem by allowing payment service providers to access customers' accounts and transactions information via API that have been traditionally controlled by banks. This paper suggests an incentive-compatible mechanism design for open collaboration among legacy institutions in the region to help them adapt to the PSD2. As evidenced by case studies in Korea, the Asian equivalent of PSD2 can be implemented and further expanded to create region-wide PCS (payment-clearing-settlement) network by reconnecting the dots of legacy infrastructures. These decentralized, diverse, small payment networks can be further combined with the expanded RTGS-CDS platform to evolve into the next phase of Asian Financial Network.

• Asian Journal of Innovation and Policy
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• 제12권2호
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• pp.268-276
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• 2023

As the climate crisis intensifies, the need to improve the climate resilience of developing countries is ever increasing. Hence, the international community is seeking ways to effectively conduct climate technology transfer by linking the projects with financial mechanisms. However, commercialization of climate technology in developing countries is no easy feat as comprehensive knowledge on the target country is a prerequisite for seeking a suitable technology-financial linkage measure. Hence, in-depth discussions on effective climate technology and financial linkage measures have become an important global agenda, and South Korea, as a country with long experience in climate technology transfer, and a strong ecosystem for public climate technology, should step forward to take up a leading role. Against this backdrop, this paper proposes strategies and implementation measures for linking funds from the Multilateral Development Banks (MDB) with Korea's Public Climate Technology (PCT) by examining several key areas of R&D, international cooperation, and technology commercialization.

• 한국IT서비스학회지
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• 제17권1호
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• pp.47-58
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• 2018

In this study, we define Fintech services as review previous literatures and identify the traditional Fintech service market for analysing the economic effects of the Fintech Industry by using the 2014 Input-Output Table. We can identify the current market of Fintech industry which consists of VAN, PG, financial SW, mobile banking and Fintech R&D and we conduct Input-Output analysis by using non-competitive import model. The Input-Output analysis results show that production inducement effect and front/rear chain effect of the Fintech Industry are below average of other industries. This is because the Fintech technology and industry were emerging in Korea at that time (2014), and thus the ripple effects are not significant. Especially, due to the existing white risk financial regulation, new business opportunities have not been open to adapt new ICT-financial technologies. Therefore, when the business ecosystem is build through deregulation and platforms of the financial sector, it is expected that the Fintech Industry will have a high ripple effect. In this study, we identify the current market of Fintech industry from ICT indusries and conduct Input-Output analysis. The economic effects of the Fintech industry are not remarkable, but it is significant to identify the emerging market and present the basic analysis of issued research field.

• 한국항행학회논문지
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• 제25권5호
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• pp.415-425
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• 2021

금융권은 디지털 전환 흐름에 맞춰 새로운 기술로 금융서비스를 제공하고 있다. 그 중 전세계 금융업계의 관심을 주목받고 있는 오픈뱅킹(Open Banking)은 고객 편의성과 데이터 활용에 극대화된 서비스 환경이다. 빠른 디지털 패러다임의 전환은 데이터 공유로 인한 정보유출, 해킹 등 보안 문제 역시 우려된다는 불안감도 증가시켰다. 이러한 부정적인 시각을 극복하지 못한다면 금융서비스 발전을 저해하는 요인이 될 것이다. 본 연구에서는 디지털 금융 생태계에서 데이터를 안전하고 포괄적 관리할 수 있는 보안 거버넌스 체계를 제시한다. 이는 오픈뱅킹 서비스 환경에 초점을 맞춰 현업 종사자들에게 디지털 금융보안 아키텍처를 제시함으로써 기술적 적용 방안을 마련한다. 금융 IT가 변화하는 환경에서 오픈뱅킹 서비스를 도입하고 활용할 수 있는 종합적 정보보호 체계를 제시함으로써 본 연구의 가치가 있다고 볼 수 있다.

• 한국터널공학회:학술대회논문집
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• 한국터널공학회 2005년도 학술발표회 논문집
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• pp.63-74
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• 2005

The environmental influence in tunnel construction is the drying of the ground water, the drop of the ground water level, and noise and vibration by tunnel excavation. The environmental influence can cause the change of natural ecosystem and the source of popular complaints. In case of popular complaints, the tunnel construction can be stopped or the construction period can be extended. Also, the financial loss may be reached to hundreds of billions won. The technology development to minimize the environmental influence in the tunnel construction is very important in order to control popular complaints and to preserve ecosystem. It should be required the investigation, the evaluation, and the assessment of environmental impact to reduce environmental influence in the tunnel construction. The objective of this research is to review the environmental impact assessment in Korea and to introduce the environmental protection technology which minimizes the environmental influence generated in the tunnel construction.

• 전자통신동향분석
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• 제39권2호
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• pp.66-76
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• 2024

Artificial-intelligence (AI) semiconductors are crucial for securing national core competitiveness, including dominating the AI and data ecosystem and succeeding in the Digital New Deal. When examining the macroenvironment, the global division of labor in the semiconductor industry has weakened owing to the technological competition between the United States and China. Major countries are aiming to build the entire semiconductor ecosystem around their territories. As a result, these countries are formulating policy goals tailored to their realities and actively pursuing key policies such as research and development, securing manufacturing bases, workforce development, and financial support. These policies also focus on intercountry cooperation and bold government policy support, which is deemed essential. To secure core competitiveness in AI semiconductors, South Korea needs to examine the policy directions of major countries and actively formulate and implement policies for this semiconductor industry.