• Journal of the Korean Society for Industrial and Applied Mathematics
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• 제23권3호
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• pp.237-251
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• 2019

We extend the previous work [J. Korean Soc. Ind. Appl. Math. 21(3) 181] to two-and three-asset equity-linked securities (ELS). In the real finance market, two-or three-asset ELS is more popular than one-asset ELS. Therefore, we need to develop mobile platform for pricing the two-and three-asset ELS. The mobile implementation of the ELS pricing will be very useful in practice.

• 한국융합학회논문지
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• 제6권3호
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• pp.97-102
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• 2015

스마트폰을 비롯한 스마트 기기들이 대중화되고 모바일 분야가 발전해감으로서 사람들의 소비와 관련된 패턴들이 변화되고 있다. 24시간 동안 언제, 어디서든 필요한 내용물을 구매할 수 있도록 지원되기 때문이다. 이런 변화로 인해 최근 금융과 기술의 융합형태로 등장하고 있는 핀테크 산업이 주목을 끌고 있다. 세계적으로 핀테크 관련 산업은 미국, 영국, 중국 등에서 매우 활발하게 진행되어가고 있다. 본 연구에서는 핀테크와 관련된 산업동향들에 대해 고찰하였으며, 핀테크 관련 기술들이 우리 생활을 어떻게 변화시키고 있는지에 대해 기술하였다. 또한 이들 관련 기술들의 문제점 및 우리에게 암시하고 있는 시사점에 대해서도 알아보았다.

• 한국IT서비스학회지
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• 제15권2호
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• pp.185-201
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• 2016

Recently, due to the rapid development of IT (information technologies), a variety of attempts have been made to incorporate IT into other fields such as finance and manufacturing. Among them, a novel concept in the spotlight is FinTech, which is a combined word of finance and technology. FinTech is a line of business demonstrating an innovation development through IT in the financial service industry. One of the most popular types of FinTech is a third-party mobile payment service (MPS), the examples of which can be easily found in South Korea while the actual use of the service is relatively inactive. Therefore, the main purpose of this paper is to empirically investigate influencing factors of intention to use the third-party MPS. Based on individual characteristics and the task-technology fit model, the research model of the study is developed, with switching cost included as a moderating variable. The results of structural equation model testing with 316 potential users of Kakao Pay, one of the most popular business models of the third-party MPS, show that innate innovativeness, task characteristics, and technology characteristics are positively influencing task-technology fit, which in turn significantly affects intention to use the third-party MPS. The negative moderating role of switching cost is also found. These results could help managers develop better strategies to motivate potential users to participate in their services.

• 한국전자거래학회지
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• 제10권2호
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• pp.1-19
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• 2005

모바일 인터넷 사용자의 급성장으로 모바일 인터넷의 응용에 의한 모바일비즈니스가 관련 산업계와 학계의 관심을 끌고 있으나 대부분의 연구는 홈쇼핑 등 B2C관련 시장동향 분석이 주를 이루었다. 본 논문은 모바일 B2B의 독특한 시장영역이 있음을 지적하고 한국에서 모바일 B2B의 동향과 함께 수요에 대한 조사 분석 연구로서 모바일 B2B의 활성화방안을 모색하였다. 수요조사는 사용자, 공급자, 대학, 연구소등의 관련 전문가들의 설문조사를 통해 이루어졌으며, 조사 영역은 사업, 시장, 콘텐츠/응용, 기술개발, 그리고 법제도를 포함한 5개 영역으로 하였다. 조사 분석 결과 모바일 B2B산업은 2005년부터 무선 PDA 등을 이용한 유통, 금융, 영업, 물류 업종을 중심으로 활성화 될 것이며, 보안, 인증, 그리고 표준화 분야가 모바일 B2B 활성화의 중요 요소로 분석되었다.

• 디지털산업정보학회논문지
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• 제14권1호
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• pp.45-55
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• 2018

Recently, because the arrival of the fourth industrial revolution era, many information and telecommunication services have grown rapidly in the mobile business market. So, companies are based Mobile Apps on user customized services and expanding their services. From the standpoint of the business, to generate revenue, the company needs to maintain the existing current computer environment and develop Mobile Apps to offer convenience in various areas such as finance, admiration, e-commerce and sales support. However, as the number of users increase due to expansion of various Mobile services, security threats that are related to Mobile Apps are increasing and its damage is also increasing. Due to the rapid technological transformation of Mobile devices using the Internet, the level of security threats to Smartphones are rising and getting more advance, so this thesis is structured as follows. In Chapter 2, it will look at the overall trends of Mobile Apps as related research. In Chapter 3, it will discuss various security concerns that related to the latest Mobile Apps and learn about the threatening factors. In Chapter 4, it will compare and analyze the threatening factors. Then it will find and suggest the possible plan. In Chapter 5, it will end with conclusion. Finally, to protect mobile devices from security threats, the environment of operating system which manages the resources and data of Apps needs to be protected. Also, it is important that users to have awareness and check activation FinTech technology security in the process of simple payment with fingerprint or IC card.

• Management Science and Financial Engineering
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• 제13권2호
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• pp.79-97
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• 2007

This paper investigates the relationship of service quality and user satisfaction in the wired and mobile Internet services based on the integrative framework of both systems. Given a moderate level of reliability and validity, the commonly driven dimensions for measuring service quality include responsiveness, assurance, empathy, convenience, usefulness, and diversity. User satisfaction is measurable by the dimensions of communication/entertainment, finance/economics, location/geography, and information/consulting. We apply the MANOVA tests to evaluate whether each of the service quality dimensions has an overall influence on user satisfaction. Next, multiple regression analyses are conducted to check if unique positive effect exists between each combination of service quality dimensions and user satisfaction dimensions. The results show that service quality must be taken care of with respect to the assurance dimension in order to enhance customer satisfaction in the dimensions of location/geography, which will contribute to increasing the utilization of mobile service. For improving user satisfaction in the dimension of information/consulting, service quality must be supported with respect to assurance and empathy in the mobile Internet market, in addition to diversity, which is the only significant service quality in the wired Internet service.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.901-913
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• 2021

This study examines the factors that influence the actual usage of mobile shopping applications among Generation Y (Gen Y) users in Thailand, determined by behavioral intention, compatibility, perceived cost, perceived ease-of-use, perceived usefulness, perceived risk, and personal innovativeness. The researcher carried out the analysis based on a quantitative approach and used a non-probability sampling as the convenience sampling tool. A total of 502 Gen Y respondents who experienced using the top-four ranking mobile shopping applications in Thailand were invited to participate in the study. The Structural Equation Model (SEM) and Confirmatory Factor Analysis (CFA) were used to analyze the model fit, reliability, and validity of the variables. The primary result revealed that perceived usefulness has the strongest positive significant effect on behavioral intention, followed by personal innovativeness and compatibility. Conversely, the perceived cost has a significant negative influence on behavioral intention. Besides, perceived ease-of-use has a significant positive effect on perceived usefulness. The direct relationship between perceived usefulness and behavioral intention is, however, insignificant. Similarly, the result showed no effect of perceived risk towards behavioral intention. Finally, the result also revealed that behavioral intention determined the actual usage of mobile shopping applications of Gen Y users in Thailand.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.353-361
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• 2021

The aim of this research is to understand and analyze the ways in which the current digital financial technology is impacting on the financial payment system provided by most of the commercial banks in Indonesia. This research analyzes the variables such as perceived ease-of-use, perceived usefulness, and perceived value on customer's intention to use in relation to the variable of trust as the intervening variable. The data collection is done through distribution of questionnaire; the population of this research consisted of the commercial banking customers located in Jakarta, Indonesia. The sample determination is done through Purposive Sampling and the analysis technique is using Partial Least Square (PLS). The results show that perceived ease-of-use, perceived usefulness, and perceived value have positive and significant effect on intention to use the mobile banking system; perceived usefulness of the application has the most significant influence on intention to use compare to the perceived of ease-of-use and perceived value of the mobile banking system. The results also indicate that, even though the mobile banking system has offered several benefits to the customer, yet it was not actively used by the banking customer compared to other commercial bank's mobile banking system in Indonesia.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제9권7호
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• pp.93-99
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• 2022

Nowadays, learning management systems (LMS) are an effective and efficient tool for providing students with a high-quality education. The current study examines the effect of different factors on the use of the blackboard application on mobile phones. The study selects four important factors after factor analysis, such as facilitating factor, performance factor, satisfaction factor, and difficulties factor. The data was collected through a structured questionnaire from 45 students as a sample in the college of business administration at Prince Sattam Bin Abdulaziz University. The study uses a logistic regression model to examine the empirical relationship between LMS adoption and different factors associated with blackboard adoption. The results show that 71 percent of the respondents are between the age of 18-20 years, and 100 percent of students have experience in using blackboard. The empirical results show that the satisfaction factor is positive and significant at the 10 percent level of significance and the difficulties factor is also positive and significant at the 1 percent level of significance. The results conclude that the students are satisfied with using the blackboard on mobile, nevertheless, the difficulties factor which is positive and significant shows that students are facing some difficulties in using the blackboard on their mobile.