• The Journal of the Korea Contents Association
• /
• v.20 no.12
• /
• pp.492-497
• /
• 2020

Today, banks around the world are making great efforts to adapt to the rapidly changing internal and external environment changes caused by the development of IT technology and to gain a competitive advantage in the market. In particular, in line with the rapid growth of smartphone usage, financial services are also provided in a variety of ways using Fintech, and one of the fastest growing areas is mobile simple payment. Mobile payment service is a financial service that pays the purchase price using a portable mobile device. As fintech, a convergence of financial services and information technology, it is recently used not only in financial services, but also in various industries. It is used in all fields where payment functions such as distribution are available. In the case of mobile cards, it shows that the usage rate of people in their 20s and 30s is increasing very much, so it can be said that the use of mobile payment services will continue to increase in the coming future. We know that simple payments are being used. However, it can be said that the research on the use of mobile payment services by these teenagers is somewhat incomplete. Therefore, this study investigated what factors are important for Korean teenagers to use mobile payment services. As a result, among the five hypotheses presented in this study, all hypotheses were adopted except for , which states that cash usage habits have no effect on innovation.

• Journal of the Korean Professional Engineers Association
• /
• v.24 no.2
• /
• pp.72-83
• /
• 1991

• Journal of Service Research and Studies
• /
• v.10 no.1
• /
• pp.17-31
• /
• 2020

Open banking, the global trend of the financial industry, is the driving force behind various innovations in the financial market in the future. The right policy direction and detailed tasks are important for triggering the differentiation and reunion of the financial industry. The purpose of this study is to investigate and analyze the background of open banking, domestic and international trends, and Korea's open banking policy. The policy directions and tasks for successful settlement and activation of open banking system are carefully suggested. Open banking is a policy to allow third party provider(TPP) access to bank accounts and open payment functions under the explicit consent of the customer. The opening of the open banking era is expected to begin competition and cooperation between banks and fintech companies in earnest, thus enhancing the competitiveness of the financial industry and contributing to the utility of financial consumers. To this end, policymakers should make every effort to advance open-ended financial settlement infrastructure, open banking legal grounds, and minimize side effects such as customer data leakage and poor financial system stability. Banks and fintech companies will need to focus on scattered customer financial information on a single platform and develop it into a convergence and discrimination of true financial services.

• Health Policy and Management
• /
• v.17 no.1
• /
• pp.1-27
• /
• 2007

This study is designed to estimate an appropriate level of patient's cost-sharing for oriental medical services in the Korean National Health Insurance. The findings of this study can be summarized as follows: 1) The current co-payment system for oriental medical services does not reflect its cost structure in clinical practice due to inconsistency of cost-sharing plan in the NHI. 2) Both oriental medical institutions and their patients, as a result, are at a relative disadvantage in financial burden, compared with other services. 3) The substantial proportion of patients' cost-sharing depends on the amount of co-payment and the range of medical cost that a flat rate is applied to. 4) The extension of the range doesn't make any substantial decrease in patient's cost-sharing. 5) The fixed amount of co-payment is more sensitive than a range to total variations of patient's cost-sharing. Based on the above, the budget impacts of a new co-payment system were estimated for each co-insurance rate, according to given scenarios. The results range from -59 billion Won (-8.5%) to 16 billion Won(2.3%).

• KSII Transactions on Internet and Information Systems (TIIS)
• /
• v.11 no.2
• /
• pp.1180-1200
• /
• 2017

Currently, automated payment services provide intuitive user interfaces by adapting various wireless communication devices with mobile services. For example, companies like Samsung, Google, and Apple have selected the NFC payment method to service payments of existing credit cards. An electronic payment standard has been released for NFC activation within Korea and will strengthen the safety of payment service communications. However, there are various security risks regarding the NFC-based electronic payment method. In particular, the NFC payment service using the recently released lightweight devices cannot provide the cryptographic strength that is supported by many financial transaction services. This is largely due to its computational complexity and large storage resource requirements. The chaotic map introduced in this study can generate a highly complicated code as it is sensitive to the initial conditions. As the lightweight study using the chaotic map has been actively carried out in recent years, associated authentication techniques of the lightweight environment have been released. If applied with a chaotic map, a high level of cryptographic strength can be achieved that can provide more functions than simple XOR operations or HASH functions. Further, this technique can be used by financial transaction services. This study proposes a mutual authentication technique for NFC-PCM to support an NFC payment service environment based on the chaotic map.

• Journal of Korea Planning Association
• /
• v.54 no.4
• /
• pp.71-78
• /
• 2019

Due to the rapid pace of low fertility and aging of Korea, population decline is rapidly progressing in the outskirts of the province and county. Demand for public transport is decreasing due to suburban population declines, while local government funding for maintenance of the bus system is expected to increase gradually. The government and municipalities are promoting the introduction of Demand Responsive Transport (DRT) in order to reduce the burden of financial support for buses while enhancing mobility of the residents in vulnerable areas. However, most DRTs in Korea have been operated mainly in the areas that are not provided with public transportation services. Although DRT is able to reduce the financial burden of local governments, it is not easy to be introduced because of the objection of the existing bus users. In this study, 11 out of 61 towns with poor public transportation services in Gyeongsangnam-Do were selected for the introduction of DRT to replace bus services by using village characteristics. The results of this study are expected to be used as a basis for decision making to use DRT instead of bus service for the burden of bus financing for local governments.

• The Journal of Industrial Distribution & Business
• /
• v.10 no.12
• /
• pp.43-55
• /
• 2019

Purpose : With the proliferation of O2O platform services that combine offline and online services, many startups are fiercely competing to lead services in the O2O service market. While the prospects for growth in the O2O service market are optimistic because of the close convenience to life, startups can achieve corporate performance only through close cooperation and partnership with suppliers. The purpose of this study is to verify the effect of O2O-based startups' and suppliers' cooperation in supply chain management on SCM performance through supply chain partnerships and startup satisfaction with suppliers. Research design, data, methodology : Data were collected from O2O service-based startups and hypotheses were verified through frequency analysis, exploratory factor analysis, reliability analysis, confirmatory factor analysis, feasibility analysis, and structural equation path analysis. In addition, the mediating effects of supply chain partnerships and startup satisfaction on suppliers were verified. Results : As a result of this study, IT utilization of the O2O startup cooperation method affects the financial perspective of supply chain partnership and SCM performance. The contract implementation of the cooperation method had an impact on the financial and innovation growth perspectives of the SCM performance, and the communication of the cooperation method had an effect on the supply chain partnership, startup satisfaction in the supply chain, and the innovation growth perspective of the SCM performance. Supply chain partnerships had an impact on the financial, innovation growth, and customer perspectives of SCM performance and startup satisfaction within the supply chain had a significant effect on innovation growth and customer perspectives. Conclusions : The implications of this study identified the factors that can improve SCM performance through the cooperation method of O2O startup, supply chain partnership and startup satisfaction with suppliers, and it is significant that the causal relationship was identified by the structural model through the supply chain cooperation factors derived by characteristics. Based on the empirical results, as the services of O2O startups grow, it is expected that empirical research and practical activation of academia should be considered as important in the cooperation of the supply chain.

• Journal of Information Technology Services
• /
• v.19 no.6
• /
• pp.145-159
• /
• 2020

Because of the recent development of information and communication technology, companies are exposed to various media such as blogs, social media, and YouTube. In particular, exposed news affects the company's reputation. So, while positive news can improve corporate value, negative news can lead to financial losses for the company. In this study, we redefine corporate reputation as social responsibility, vision and leadership, financial performance, products and services through existing literature, and conducted an AHP survey with a total of four components to calculate the weight of each factor. As a result of the calculation, the proportion of financial performance was the highest at 0.41, and products and services, vision and leadership, and social responsibility were the lowest. In addition, in order to measure the reputation of a company, it is classified as a component that defines online news using the LDA technique. In addition, through sentiment analysis, an index for each corporate reputation factor was derived, and the reputation index was calculated by combining it with the AHP analysis result, and Spearman ranking correlation analysis was performed to secure the validity of the research results. Therefore, the significance of this study is that the definition and importance of the constituent factors can contribute to the future planning and development direction of the company, and also contribute to the derivation of the corporate reputation index. This study is significant in that a new analysis methodology that applied AHP analysis results to sentiment analysis was suggested.

• Journal of Information Technology Services
• /
• v.21 no.1
• /
• pp.1-19
• /
• 2022

With the revision of the Credit Information Use and Protection Act in August 2020, the MyData service based on open banking policy will take effect in January 2022. Nonetheless, the previous studies focused on the legal system or security-related issues of such service. Therefore, this paper conducted an empirical study on financial consumers aged 20 or older nationwide to analyze the factors which influence the intention to use MyData services based on open banking. Five characteristics representing open banking-based MyData service were derived through prior research, and a research model that combined value-based adoption model and privacy calculus theory was presented. The proposed research model and the relationship of its variables was analyzed using a sample of 400 users that is randomly selected. The results of empirical analysis showed that personalization had the greatest influence on benefits and reliability on sacrifice among service characteristics. They also suggested that MyData operators should devote themselves to providing customized services optimized for customers and establishing trust relationships. It was confirmed that both usefulness and enjoyment had a great influence on perceived value, and in terms of sacrifice, the burden of financial costs had a greater influence than privacy concerns. This study is meaningful in that it explored the psychological propensity of financial consumers to identify service utilization factors and presented a new approach that can contribute to the successful settlement of the domestic MyData industry.

• Korea Journal of Hospital Management
• /
• v.28 no.1
• /
• pp.37-51
• /
• 2023

Purposes: There exist many non-covered services that the National Health Insurance does not cover, and thus, their prices are set by individual health care providers. However, little study has been done to investigate how hospitals set prices for those services. The purpose of this study is to examine the relationship between ownership, profitability, and prices of those services for a sample of general hospitals. Methodology/Approach: Data regarding the prices of major non-covered services (e.g., upper-level hospital room fees, MRI, Da 7inci robot surgery, and LASIK) were obtained from the Health Insurance Review and Assessment Service and the financial information, as well as other characteristics, were derived from the financial reports from the Korea Health Industry Development Institute. Descriptive statistics, t-tests, and multiple linear regression analyses were used to test the relationship between the independent variables and the dependent variables. Findings: Hospitals owned by private universities appeared to have higher prices for non-covered services while regional public hospitals tend to have lower prices. Profitability, measured by operating margin, was not significantly related to the prices. Hospitals that charge higher prices were more likely to be located in the capital area (Seoul, Incheon, and Gyeonggi), and to employ larger number of personnel. Practical Implications: Public hospitals tend to charge lower prices for non-covered services. Relative market power appears to be related to pricing. Further research is needed to investigate whether such a relationship varies over time and its effects on the quality and access.