• Knowledge Management Research
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• v.24 no.1
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• pp.73-97
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• 2023

Recently, the MyData market has been growing as the importance of data and issues related to personal information protection have drawn much attention together. MyData refers to the concept of guaranteeing an individual's right to personal information and providing and utilizing one's data according to individual consent. MyData service providers can combine and analyze customer information to provide personalized services. In the early days, the MyData business was activated mainly by private companies and the financial industry, but recently, public institutions are also actively taking advantage of MyData. Meanwhile, the importance of an individual's intention to provide MyData for the success of MyData businesses continues to increase, but research related to this is lacking. Moreover, existing studies have been mainly conducted on individual benefits of MyData; there are not enough studies in which both public benefit and perceived risk factors are considered at the same time. In this regard, this study intends to derive factors affecting the intention to provide MyData based on the privacy calculus model, examine their influencing mechanism, and further verify the moderating effects of individual capabilities and institutional type. This study can find academic significance in that it expanded and demonstrated the privacy calculus model in the context of MyData providing intention. In addition, the results of this study are expected to offer practical guidelines for developing and managing new services in MyData businesses.

• Information Systems Review
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• v.25 no.4
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• pp.161-181
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• 2023

As the post-COVID-19 consumer life environment is rapidly becoming non-face-to-face, changing non-face-to-face financial life services are having a significant impact on consumers' daily lives. People who do not have access to digital devices and services that have become essential goods are at risk of being left behind in the "digital blind spot," where they are marginalized not only in their daily lives but also in society and the economy as a whole (Kim Min-Jeung A, Kim Min-Jung B, Park Joo-Yung, 2022). In this study, we examined the effects of perceived control factors, Cognitive control, behavioral control, and decisional control, on intention to use digital finance. For this study, we surveyed 133 customers who are aware of and intend to use digital finance. The results show that cognitive control, behavioral control, and decisional control have significant effects on intention to use digital finance. In this relationship, the moderating effect of privacy concerns differs from the effect of decision control on intention to use digital finance. These findings suggest that digital financial services firms should consider whether to reduce or increase customer control. Based on these findings, we discuss marketing strategies and implications for digital financial services companies.

• Information Systems Review
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• v.23 no.3
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• pp.201-223
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• 2021

Smart home is an advanced Internet of Things (IoT) service that enhances the convenience of human daily life and improves the quality of life at home. Recently, with the emergence of smart home products and services to which artificial intelligence (AI) technology is applied, interest in smart home is increasing. To gain a competitive edge in the smart home market, companies are providing "personalized service" to users, which is a key service that can promote smart home use. This study investigates the factors affecting the value awareness of personalized service and intention to use smart home. This research focuses on four-dimensional motivated innovativeness (cognitive, functional, hedonic, and social innovativeness) and privacy risk awareness as key factors that influence the value awareness of personalized service of smart home. In particular, this study conducts a comparative analysis between the generation MZ (young people in late teens to 30s), who are showing socially differentiated characteristics, and the generation X and baby boomers in 40s to 50s or older. Based on the analysis results, this study derives the distinctive characteristics of generation MZ that are different from the older generation, and provides academic and practical implications for expanding the use of smart home services.

• The Journal of the Korea Contents Association
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• v.22 no.7
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• pp.81-88
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• 2022

This study is to investigate the perception of domestic appraisers about the possibility of using artificial intelligence (AI) and related risks from the use of AI in the appraisal industry. We conducted a mobile survey of evaluators from February 10 to 18, 2022. We collected survey data from 193 respondents. Frequency analysis and multiple response analysis were performed for basic analysis. When AI is used in the appraisal industry, factor analysis was used to analyze various types of risks. Although appraisers have a positive perception of AI introduction in the appraisal industry, they considered collateral, consulting, and taxation, mainly in areas where AI is likely to be used and replaced, mainly negative effects related to job losses and job replacement. They were more aware of the alternative risks caused by AI in the field of human labor. I was very aware of responsibilities, privacy and security, and the risk of technical errors. However, fairness, transparency, and reliability risks were generally perceived as low risk issues. Existing studies have mainly studied analysis methods that apply AI to mass evaluation models, but this study focused on the use and risk of AI. Understanding industry experts' perceptions of AI utilization will help minimize potential risks when AI is introduced on a large scale.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.23 no.6
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• pp.1199-1206
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• 2013

SNS is relationship based service and its users are increasing rapidly because it can be used in variety forms as penetration rate of Smartphone increased. Accordingly personal information can be exposed easily and spread rapidly in SNS so self-control on information management, right to control open and distribution of own personal information is necessary. This research suggest way of measuring personal information leaking risk factor through personal information leaking possible territory's, based on property value and relationship of personal information in SNS, personal information exposure frequency and access rate. Suggested method expects to used in strengthening self-control on information management right by arousing attention of personal information exposure to SNS users.

• Journal of Digital Convergence
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• v.12 no.2
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• pp.183-191
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• 2014

SNS uses the Internet as its base. It is created in order to achieve communication between the users. Up until now, most previous research were focused on the users of SNS. But, there are still a great deal of people who do not use or discontinuously use SNS. This is because users have natural resistance against SNS when using the service. In this study, time shortage perception, awareness of SNS, self-efficacy, suitability, information quality of SNS, subjective norm and privacy concern are considered as influence factors by previous research. An empirical study for Chinese students and internet users was conducted to identify how these factors influence perceived risk and perceived usefulness, and how this influence to user's resistance. This study can explain the reason why users don't use SNS and resist SNS use.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2013.10a
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• pp.207-210
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• 2013

Recently, rapid innovation of Smartphone is changing the paradigm of our daily life. Smartphone users, opinion experts more than 99 percent of the economically active population is using, it has reached the saturation past the early stages of formation. Smartphone is equipped with a general purpose OS possible the implementation of high performance environment similar level as a personal computer. Also, it is a mobile communication terminal scalable which can be removed or installed various applications. Such extensibility, it is possible to use different applications through the Apps store. In addition, it is also possible various services which are location based service. However, these services also benefit many but it also has a disadvantage of invasion of privacy and disclosure of personal information. In this research, we aim to analyze factors influencing on perceived value and risk in location based service of Smartphone. In addition, we aim to analyze the causal relationship with perceived value and risk in satisfaction and recommendation intention. This study suggests practical and theoretical implications based on the results.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.14 no.4
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• pp.227-232
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• 2014

Recent development and generalization of Internet technology contributes to the large scale of commerce and capital followed by appearance and growth of large portal sites. As a result, the personal data on the Internet not deleted for a long period of time is a new risk factor, for example, the invasion of people's privacy. In particular, exposing personal data like witch-hunts is a critical issue so that the person concerned cannot carry on with normal life. This study suggests the necessity of the right to request personal data deletion related to a person concerned on Internet sites, a method of introducing the right in Korea, and a method of improving the application.

• Convergence Security Journal
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• v.16 no.7
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• pp.31-39
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• 2016

The biometrics information is very useful by the convenience of ownership and using. but the risk of crime of malicious re-uses and infringement of personal privacy exist because the biometrics information is impossible to change typically when the illegal interception occurred from others. therefore the importance of security on stored management of biometrics information has been increased steadily. the existing biometric authentication system has been stored only encrypted complete template at a single storage place. In this paper, we designed the Distributed Stored of Multiple Split bio_Template System that a template is divided in different ways by each user and stored in other storage places from personal information to relieve user's anxiety about the saved template and illegally leaked through restored only template to authenticate and then delete.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.27
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• pp.129-161
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• 2005

Todays, computers in business world are potent facilitators that most companies could not without them, while they are only tools. They offer extremely efficient means of communication, particularly when connected to Internet. What I stress in this article is the risks accompanied by e-commerce rather than the advantages of Internet or e-commerce. The management of e-commerce companies, therefore, should keep in mind that the benefit of e-commerce through the Internet are accompanied by enhanced and new risks, cyber risks or e-commerce risks. For example, companies are exposed to computer system breakdown and business interruption risks owing to traditional and physical risks such as theft and fire etc, computer programming errors and defect softwares and outsider's attack such as hacking and virus. E-commerce companies are also exposed to tort liabilities owing to defamation, the infringement of intellectual property such as copyright, trademark and patent right, negligent misrepresent and breach of confidential information or privacy infringement. In this article, I would like to suggest e-commerce insurance or cyber liability insurance as a means of risk management rather than some technical devices, because there is not technically perfect defence against cyber risks. But e-commerce insurance has some gaps between risks confronted by companies and coverage needed by them, because it is at most 6 or 7 years since it has been introduced to market. Nevertheless, in my opinion, e-commerce insurance has offered the most perfect defence against cyber risks to e-commerce companies up to now.