• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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• pp.1105-1117
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• 2017

Financial technology, also known as FinTech, is one of the fast growing global businesses in since its inception in 2008. Fintech is a new economic industry, comprised of companies that adopted the latest technologies to provide more efficient financial services than the traditional financial services. Fintech companies are generally small to medium sized startups trying to disintermediate existing financial systems. FinTech companies can be differentiated in several areas, based on its business solutions and target customers. In Korea, the Peer-to-Peer (P2P) lending companies are the most prominent in the FinTech sector. P2P lending is a method of borrowing or lending money to individuals through online services without the use of an official financial institution as an intermediary. The P2P lending companies operate their services entirely online or mobile environment. Consequently, mobile P2P lending application users are dramatically increasing. Thus, it is worth evaluating the acceptance of the mobile apps of the P2P lending companies from a user's perspective. This paper discusses user acceptance of the mobile P2P lending apps, guided by the Technology Acceptance Model. We conclude that the users' acceptance of mobile P2P lending apps are significantly influenced by perceived ease of use, perceived usefulness, and user satisfaction. These in turn influenced their attitude towards using mobile P2P lending apps and intention to use.

• Journal of Information Technology Applications and Management
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• v.16 no.2
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• pp.45-63
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• 2009

China has the largest number of the user of web 2.0 such as messengers and blogs, as of 2008 year. Chinese Internet digital market will grow from $85 billion in 2007 to $264 billion in 2015. The importance of Chinese Internet business is increasing, because of its size and growth potential. This research is focused on following two questions. First, what are the major characteristics of social networking services in China? In order to find out the answer about this question, the case study on Tencent QQ and Sina Poco, the most representative social networking services company in China, was done. And the reason of the use of social networking services, their contents, and the attitude toward the paid service were identified. Second, what are the major factors influencing the use of social networking services in China. User participation, network effect, usefulness, and system quality were inferred as the factors influencing the use. These factors were based on motivation theory, technology acceptance model, and the related research papers. This research model was proved by data analysis using Partial Least Square. As results, the use of social networking services was influenced by usefulness, network effect, user participation, and system quality. But social influence was not significant of the use of social networking services.

• Journal of Information Processing Systems
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• v.7 no.1
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• pp.187-198
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• 2011

User authentication refers to user identification based on something a user knows, something a user has, something a user is or something the user does; it can also take place based on a combination of two or more of such factors. With the increasingly diverse risks in online environments, user authentication methods are also becoming more diversified. This research analyzes user authentication methods being used in various online environments, such as web portals, electronic transactions, financial services and e-government, to identify the characteristics and issues of such authentication methods in order to present a user authentication level system model suitable for different online services. The results of our method are confirmed through a risk assessment and we verify its safety using the testing method presented in OWASP and NIST SP800-63.

• Korean Journal of Social Welfare
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• v.62 no.4
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• pp.79-102
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• 2010

This paper aims to analyse the recent changes in social welfare services from a relational perspective. Discourses of the privatization of welfare state, the welfare mix approach, and consumerism have provided frames for interpreting the changes in social services in Korea. The nature of social welfare services, being a "relational goods" requires its focus to be in its relational aspects: the relation between service user and service practitioner; the relation between service user and provider; the relation between service user and government; the relation between service practitioner and provider; the relation between service practitioner and government; and the relation between service provider and government. Analysis of such relations will explore their transformation toward formalness and equality in social welfare services. In conclude, the study reveals a process of modernization, defined as a transition from informal relations to formal contractual relations, based on one's rights, responsibilities and obligations. Previous relations, of paternalistic, arbitrary and hierarchical characteristics, can be seen as being substituted by more formal, institutionalized and equalized relations. In terms of service purchasing contract between service user and service provider and employment contract between service provider and service worker are recognized with the latter characteristics. This relational analysis leads a discussion concerning the creation of institutional basis of one's rights and responsibilities in the fields of social welfare services in Korea.

• International Journal of Internet, Broadcasting and Communication
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• v.12 no.1
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• pp.55-60
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• 2020

Adaptive recommendation systems have been developed with big data processing as a system that provides services tailored to users based on user information and usage patterns. Deep learning can be used in these adaptive recommendation systems to handle big data, providing more efficient user-friendly recommendation services. In this paper, we propose a system that uses deep learning to categorize and recommend tourism types to suit the user's personality. The system was divided into three layers according to its core role to increase efficiency and facilitate maintenance. Each layer consists of the Service Provisioning Layer that real users encounter, the Recommendation Service Layer, which provides recommended services based on user information entered, and the Adaptive Definition Layer, which learns the types of tourism suitable for personality types. The proposed system is highly scalable because it provides services using deep learning, and the adaptive recommendation system connects the user's personality type and tourism type to deliver the data to the user in a flexible manner.

• Journal of Information Technology Services
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• v.8 no.3
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• pp.111-134
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• 2009

We are living it what is referred to as the Digital Era; a time in which communication through the computer medium has deeply infiltrated our everyday lives and is now equivalent to face-to-face communication. In other words, e-communication is the core factor of knowledge sharing, for not only individuals but also for corporations, and its efficiency has increased gradually. At this time, studies on the factors affecting the outsourcing performance of e-communication channel services are gaining importance. Therefore, the purpose of this study is to empirically analyze the effects of the system, information, and service quality on the user satisfaction and user trust of e-communication channel outsourcing, as well as the effects of user satisfaction and user trust on the outsourcing performance of both individuals and organizations. In the results of the empirical study, the system, Information, and service quality appear to have a significant effect on both user satisfaction and user trust. In addition, user satisfaction and user trust appear to also have a significant effect on the outsourcing performance of both Individuals and organizations.

• International Journal of Fuzzy Logic and Intelligent Systems
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• v.12 no.4
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• pp.270-276
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• 2012

With the increase in amount of data and information available on the web, there have been high demands on personalized information retrieval services to provide context-aware services for the web users. This paper proposes a novel dynamic multi-agent context-awareness user profile construction method based on ontology to incorporate concepts and properties to model the user profile. This method comprehensively considers the frequency and the specific of the concept in one document and its corresponding domain ontology to construct the user profile, based on which, a fuzzy c-means clustering method is adopted to cluster the user's interest domain, and a dynamic update policy is adopted to continuously consider the change of the users' interest. The simulation result shows that along with the gradual perfection of the our user profile, our proposed system is better than traditional semantic based retrieval system in terms of the Recall Ratio and Precision Ratio.

• The Magazine of the IEIE
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• v.24 no.2
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• pp.13-26
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• 1997

Throughout the world in major urban centers, the volume of vehicular traffic on roads continues to increase. ITS provides drivers with traffic information and new routing options on route In order to make them move quickly to their destinations. The higher mobility, the more productivity we gain. The ultimate goal of Intelligent Transport System is to improve mobility. ITS world is broad and quite varied, as demonstrated by ITS user services, their distinct needs, and complex Interactions and synergies. ITS ties the transportation and telecommunication worlds together. The complex world of telecommunications is evolving and expanding rapidly. Especially over the last two decades, the birth and unprecedented growth of wireless is really marvelous and further holds tremendous promise into the future. This wireless and emerging technologies will offer extensive opportunities to handle many ITS user services, and alter many of the traditional paradigms of transportation.

• Asia pacific journal of information systems
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• v.7 no.3
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• pp.39-59
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• 1997

This study presents the growth strategy of outsourcing service by finding out the differences of importance between user firms and system integration(SI) firms in Korean outsourcing business, The result of data analysis reveals that there are siginificant differences between user firms and SI firms in some components of information systems(IS) outsourcing services. User firms regarded integation of distributea data centers as the prominent issue of IS environment changes. Meanwhile, SI firms chose management of IS/VAN center, office automation(OA), and management of global network, as the more important issues in the application area of outsourcing. Among the merits of outsourcing, both of them considered cost reduction and IS flexibility as the most important factors, However, they chose the difficulty of management control and the lack of operation knowledge among the demerits of outsourcing, Also, they commonly selected overall IS consulting among the components of outsourcing diffusion. In the question of future outsourcing services, user firms chose the adoption of client/server architecture, while SI firms selected the application of multimedia. These results show that there are some differences of preference between user firms and SI firms. Most of user firms consider the outsourcing to maximize information utilization, while the service suppliers focus on new IT adoption and its application to organization. For the strategic use of outsourcing services, SI firms are required to establish the diffusion strategy to meet the outsourcing needs of user firms.

• Journal of the Korean Operations Research and Management Science Society
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• v.33 no.2
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• pp.45-73
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• 2008

Quality has long been considered as an important factor in creating competitive advantage, and researches on quality have not been limited to off-line products but actively extended to e-services and information goods. However, given the nature of multi-dimensional aspect of quality, the systematic study on the quality of online service is still in its early stage. Especially, studies on the quality of ASP services have been rare in academic and professional journals despite the growth of ASP industry in its size and the rapid expansion in the range of application. In this paper we clarified the multi-dimensional quality aspects of the ASP service using a Garvin's framework (1984) which encompasses the service aspects of Products, and developed a measurement model for ASP service qualify. Then we empirically tested the effects of ASP service quality on user satisfaction and perceived firm performance using the data from 240 Korean small firms with less than 50 employees that had experienced the ASP service. Our results show that there are positive relationships among ASP service quality and personal performance, user satisfaction and perceived firm performance, and that product and service-related aspects of ASP service exert differential effects on performance measures so that the product-related aspects of the ASP service such as performance, features, reliability and conformance are considered to be more important in evaluating benefits from ASP services. Contrary to the approaches In literature where only the quality of online services is evaluated, our results emphasize the importance of differentiating Product and service-related aspects of ASP service and provide a basis for more comprehensive evaluation of ASP service quality.