• 한국컴퓨터정보학회논문지
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• 제11권5호
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• pp.311-320
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• 2006

지식관리 전략은 비즈니스 기회의 창출과 유지에 핵심적인 요소로 인식되고 있다. 본 연구의 목적은 전자지급결제 영역에서의 지식관리의 역할을 지식공유 관점에서 분석하고, 다양한 전자지급결제방식에 적합한 지식공유 전략을 제시하는 것이다. 이를 위하여 전자지급결제의 특성을 결정짓는 2가지 요소인 신뢰성과 효율성을 기반으로 지식관리-전자지급결제 분류모형도를 제시하고, 각 영역에 적합한 지식공유 전략을 도출하였다. 연구의 결과에서 전자지급결제 특성과 지식공유 전략의 정합성이 전자지급결제 영역의 거래 당사자간의 관계 결속을 증가시키고 거래 과정을 최적화 시킬 수 있음을 제시하였다.

• 지식경영연구
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• 제18권4호
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• pp.159-180
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• 2017

The rapid development of information technology has affected many industries, and made consumers receive new services that are completely different from those of the past. In the financial industry, various changes are taking place, such as providing the payment system which is easy to use and offering differentiated services. This study examined the factors affecting the intention to use mobile payment system. In particular, we considered both practical and emotional factors that affect the intentions. The mobile payment system, which is a new form of payment, is rapidly developing in China. In Korea, it is still in the beginning stage due to the legal regulations and the activation of alternative payment methods. This study, therefore, compared the differences in factors that affect the intention to use mobile payment system between Korea and China.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.581-590
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• 2021

The purpose of the research was to investigate the characteristics of technology users, their knowledge about the technology and whether that affected technology adoption, and, through the measurement utilitarian value as a mediator, to find out whether the behavior toward mobile payment technology adoption is considered most effective during the COVID-19 pandemic, especially at this research locus, Central Java Province, Indonesian Batik SME consumers. The research methodology was quantitative with data processing using Structural Equation Modeling (SEM) with the final sample of 294 respondents' answers. To the best of the researcher's knowledge, this was an initial attempt toward a holistic and integrative approach to explain the adoption of mobile payment in Indonesia with different consumer characteristics in each region of Indonesia and varying levels of knowledge about mobile payment applications. The results show that the utilitarian value as a mediating variable only affected the relationship between the characteristics of technology users and adoption behavior. The findings of this study suggest that the stronger the knowledge of technology users, the more influential the adoption behavior of the mobile payment technology for Indonesian Batik small-, and medium-sized enterprise (SME) consumers during the COVID-19 pandemic in the new normal era.

• 지식경영연구
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• 제18권4호
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• pp.213-235
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• 2017

In the rapidly changing business and economic environment, environment-equipped appropriate capacities should be used to adapt to the changing environment and the smart environment. First of all, it is important for the company to understand what kind of acceptance attitude it shows according to the consumers' tendency toward the mobile convenient payment system that users are increasing and deal with it accordingly. In order to analyze the market according to the individual personality factors of consumers, a model based on the integrated technology(UTAUT) and the regulatory focus suitable for the mobile environment was constructed and analyzed with the structural equation through PLS. As a result of analysis, it was found that neuroticism, openness to experience, and conscientiousness among consumer personality factors had a significant influence on accommodating the mobile convenient payment system according to the tendency of promotional focus. This study provides a direction for establishing a mobile convenient payment system for smart environment through data analysis of the propensity and personality of consumers from the viewpoint of knowledge management.

• 지식경영연구
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• 제24권1호
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• pp.31-49
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• 2023

짧은 영상 클립을 공유하는 지식공유 플랫폼으로서 TikTok이 많은 주목을 받고 있다. 이러한 TikTok에 대한 폭발적인 관심은 지식공유 플랫폼으로서의 비즈니스 가치가 크다는 점을 시사한다. 본 연구는 질적, 탐색적 접근을 통해 지식거래산업의 발전 현황과 함께 TikTok에서 어떠한 요인이 지식상품에 대한 사용자의 구매 결정에 영향을 미치는가를 규명하고자 하였다. 연구방법론으로서 10명에 대한 심층 인터뷰와 함께 95명의 지식 제공자의 동영상을 관찰한 결과, TikTok은 지식거래 산업을 발전시킬 수 있는 비즈니스 잠재력을 가지고 있었으며, ATLAS ti 소프트웨어를 이용한 10명의 심층 인터뷰에서 수집한 데이터를 코딩한 결과, 수요자 특성, 제공자 특성, 플랫폼 특성 및 제품 특성 등의 네 가지 핵심적 요인이 TikTok에서 지식제품에 대한 사용자의 구매결정에 영향을 미친다는 점을 밝혔다. 근거이론을 기반으로 감정적 니즈, 전문성 니즈, 품질, 가격, 도움성, 가치, 카리스마, 신뢰, 서비스 보증, 희소성 등 10개의 변수로 구성된 이론적 모델이 도출되고 제시되었다. 또한 연구발견점에 따른 이론적 시사점과 실무적 시사점이 토의된다.

• 지식경영연구
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• 제14권4호
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• pp.1-17
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• 2013

As online communities proliferate, online news sites have received great attention in news media research. Although most of the online news sites provide contents for free, some have adopted the Pay-What-You-Want (PWYW) model by offering a voluntary payment option to the readers. In this study, we investigate the factors which influence subscribers' voluntary payment behavior on an online news site. Drawing upon both the Stimulus-Organism-Response (SOR) framework and the Elaboration Likelihood Model (ELM), we hypothesize that appreciation has a direct effect on the subscribers' voluntary payment behavior, whereas central factors (positive emotional content, cognitive content) and peripheral factors (news sharing, news article length) of the news articles have indirect impacts on voluntary payment behavior through the enhanced appreciation. Based on an empirical analysis of 172 news articles from the Korean online news site that adopted the PWYW pricing model (i.e., Ohmynews.com), we find that appreciation plays a critical role in voluntary payment behavior and that peripheral factors have significant impacts on appreciation. However, the impacts of central factors on appreciation are not found. By identifying influencing factors of subscribers' voluntary payment behavior on online news sites for the first time, this paper suggests a prospective alternative profit model for online news providers faced with fierce competition.

• Journal of Information Processing Systems
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• 제9권3호
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• pp.461-476
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• 2013

Recently, smart devices for various services have been developed using converged telecommunications, and the markets for near field communication mobile services is expected to grow rapidly. In particular, the realization of mobile NFC payment services is expected to go commercial, and it is widely attracting attention both on a domestic and global level. However, this realization would increase privacy infringement, as personal information is extensively used in the NFC technology. One example of such privacy infringement would be the case of the Google wallet service. In this paper, we propose an zero-knowledge proof scheme and ring signature based on NTRU for protecting user information in NFC mobile payment systems without directly using private financial information of the user.

• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.287-296
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• 2021

Stepping into the technological boom time, Vietnam has integrated into the trends of using Fintech applications as a new means of payment. This article evaluates the relationship between perceived security (including service security and platform security), knowledge, confirmation, perceived usefulness, satisfaction, attitude and lastly enterprise's images regarding the service and continuous intention to use Fintech services. The survey results of 352 Vietnamese customers using Fintech services, reliability test and extended post-acceptance model (EPAM) which is based on PAM and ECT models. From the survey, we further found out that perceived security (BSS) has no direct impact on continued intention to use, while perceived security (BSS) has positive impact on confirmation (CON), similarly, perceived usefulness (PU) and user's satisfaction (SES). Knowledge of the Mobile Fintech payment service (KNOW) has a positive impact on perceived security (BSS). Confirmation (CON) has a positive influence on perceived usefulness but in the meanwhile it has created a negative impact on user's satisfaction (SES). From the survey it can also tell that user's attitude (ATT) and enterprise image (IMG) both have a positive impact on continual intention to use Fintech services. From the research results, we also propose some recommendation to enhance the continual intention to use Fintech services in Vietnam.

• Asia pacific journal of information systems
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• 제32권3호
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• pp.630-655
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• 2022

This paper examines the integrated QR code payment service (QRIS) adoption by retailers in Indonesia. Indonesia started its cashless journey in 2017 by using electric money in card form. As the country keeps developing, Indonesia has planned to integrate its payment towards a cross-border payment using QR codes by 2025 in the South East Asian region. Facing government vision, MSMEs that act as the significant economy wheel in Indonesia was required to be prepared to face the multi-cultural, multi-currency, and the new tech innovation for doing transactions. However, as a developing country, Indonesia faced significant problems with its infrastructure, which made it hard for merchants to access digital payment. As infrastructure was a common problem for developing countries, Indonesia also faced financial inclusion, lack of digital knowledge, a high amount of cash use, and socialization that made low digital payment penetration. Therefore, as there was a need to increase digital payment penetration for ASEAN integrated payment, this study found that merchant compatibility, facilitating conditions, trust, and relative advantages are drivers for MSMEs using this payment method. Further, this research provides propositions for banks, financial institutions, and governments to develop and evolve towards a cashless ecosystem, especially for a country lacking infrastructure.

• 지식경영연구
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• 제18권3호
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• pp.181-199
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• 2017

Recently, the Fintech industry is growing rapidly, and mobile payment service plays a key role in this growth. The purpose of this study is to investigate factors affecting initial acceptance of mobile payment service using Technology Acceptance Model. In the research model, service-related factors such as economic efficiency and security, user-related factors such as user innovativeness and social factors such as social influence were adopted as external variables, and acceptance intention was introduced as dependent variable. Perceived usefulness and perceived ease of use were selected as mediating variables. The collected data were analyzed using SPSS Statistics v22 and Smart PLS 2.0. The results of the study are as follows. First, service-related factors such as economic efficiency and security did not affect the user acceptance intention. Second, individual innovativeness and social influence have significant effects on perceived usefulness and perceived ease of use respectively. And the perceived usefulness and perceived ease of use, which are mediators, have a significant influence on the acceptance intention of mobile payment service. The results of this study will serve as a useful guide for Fintech industries.