• 정보보호학회논문지
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• 제25권3호
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• pp.665-672
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• 2015

본 논문에서는 스마트폰 및 ATM 등의 전자금융 환경에서 바이오인식 도입 해외사례를 분석하였다. 국가별 프라이버시 이슈, 금융서비스 여건, 정부의 정책방향 등의 차이에 따라 바이오인식 도입 양상이 다르게 나타나고 있었다. 국내에서도 핀테크 활성화 및 편의성이 뛰어난 모바일 중심의 금융서비스로의 규제환경의 변화로 인해 바이오인식기술 도입이 적극적으로 논의되고 있는 시점이다. 본 논문에서는 각국의 금융 분야 도입 사례 분석을 통해 한국형 금융 바이오인식 기술 도입을 위한 방안을 제시한다. 그리하여 금융 분야 바이오인식 도입을 위한 정책 수립 시 정확한 의사결정방향에 도움이 되고자 한다.

• 한국융합학회논문지
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• 제8권4호
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• pp.19-24
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• 2017

본 연구는 최근 전자 금융거래의 증가와 동시에 금융거래 정보의 탈취 혹은 변조 등 보안위협 또한 급증하면서 안전한 보안 방안과 대응이 시급한 실정이다. 이에 종래에 사용된 사기방지시스템 혹은 이상금융거래 탐지시스템(FDS, Fraud Detection System, 이하 FDS)을 최근 주목 받고 있는 빅데이터 관련 기술(이상금융거래에 대한 다양한 형태의 정형/비정형 금융거래 이벤트 데이터를 실시간으로 수집/저장하고 과학적 연관 분석 기법을 활용하여 비정상 행위를 탐지 및 차단할 수 있는 기능)을 활용하여 국내 금융회사인 A사에 개선 모델을 구축 하였다. 구축결과 시나리오 고도화 분석을 통한 오검출을 최소화 하여 기존 시나리오 Detect탐지 대상의 감소 효과를 나타냈다. 아울러 FDS고도화에 대한 향후 발전방향을 제안하고자 한다.

• 디지털융복합연구
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• 제12권11호
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• pp.365-372
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• 2014

본 논문에서는 스마트미터를 활용한 건축물의 전력에너지 절감 및 효율화 방안에 대하여 실험하였다. 전력에너지 절감을 위해 개선된 자동역률제어시스템(APFC)을 제안하고, 수요전력의 억제(Demand Control) 방안을 제시하였다. 이는 스마트미터의 ICT 기술을 통하여 실시간 양방향으로 콘덴서 뱅킹과 차단기를 직접 제어함으로써 이루어진다. 개선된 APFC는 콘덴서 뱅킹을 보다 다양화하기 위해 이종 용량의 콘덴서를 직병렬 혼합 결선하여 구성함으로써 구축 비용을 최소화 한다. 상기 기능을 위해 Atmel사의 AVR465를 이용하여 PLC 및 Zigbee 통신기능을 갖는 스마트미터를 설계하였다. 24시간 운영되는 숙박시설에 대하여 테스트한 결과 역률은 95%이상을 유지하였고, 과보상은 발생하지 않았음을 확인할 수 있었다.

• International Journal of Advanced Culture Technology
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• 제8권4호
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• 유통과학연구
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• 제22권2호
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• pp.71-82
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• 2024

Purpose: Despite significant research on decision-making, researchers struggle to comprehend the decision-making process. This paper aims to not only examine the relationship between problem-solving skills, cognitive competency, and decision-making but also develop measurement instruments for cognitive competency and problem-solving skills to better model decision-making. Research Design, Methodology and Approach: A cross-sectional study was conducted by surveying 292 university students in HCM City, Vietnam, via email sent randomly by Google Forms. This study identifies the conceptual framework and tests the hypotheses using a deductive approach. The SPSS program was used to evaluate the scales' reliability, and the SmartPLS program was used to assess the measurement and structural models. Results: The results show that the research model better modelled the relationship between problem-solving skills, cognitive competency, and decision-making. Although thinking ability has no direct impact on decision-making, both creativity and problem-solving skills have a positive impact on decision-making. The mediating role of problem-solving skills is also determined by the positive relationship between cognitive competency and decision-making. Conclusions: This study highlights decision-making efficiency through the cognitive process from low to high levels and provides for policymakers and managers to explain the decision-making process in a variety of sectors, such as distribution chains, marketing, and human resource distribution.

• 유통과학연구
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• 제22권3호
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• pp.33-47
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• 2024

Purpose: Most emerging-market countries are concerned about the technology boom, which is accompanied by an increase in revenue from online sales and services. This finding has been demonstrated during the COVID-19 pandemic; however, is this tendency continuing in the new normal, and what factors are driving the increase in consumer decisions? The purpose of this research is to investigate how the decision to utilize online services will be affected in the new normal as well as propose a new research approach in this field. Research Design, Methodology and Approach: By following a deductive research method associated with positivist philosophy, a survey in South Vietnam with 426 respondents using a convenience sampling method was conducted. The reliability of the measurement scales was examined by using the SPSS program. The SmartPLS programme was utilised to assess the measurement and structural models as well as test hypotheses by using partial least squares structural equation modelling. Results: According to the research findings, decision-making has been impacted by social influences, perceived usefulness, perceived ease of use, perceived trust, perceived price, and perceived convenience. Conclusions: The research results also bring significant contributions not only in practice in providing management implications but also in theory. The research model has also demonstrated the feasibility of employing the stimuli-organism-response framework and combining the theory of perceived risk with the technology acceptance model via the explanation of decision-making.

• 디지털산업정보학회논문지
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• 제15권4호
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• pp.187-195
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• 2019

The purpose of this study is to analyze the adoption of Kakao Bank in terms of benefits (functional, social, experiential, economic benefits) and differentiated services (customization and service diversity) considering service types. Benefits are personal value consumers attach to the product or service attributes and, therefore, more important than attributes of service itself when using Kakao Bank in the internet based environment. Data was collected using an online and offline survey of 131 Kakao Bank users and analyzed the data using structural equation model (SEM). The results of empirical analysis using SmartPLS show that functional benefit, experiential benefit, and customization are significantly related to the user's satisfaction, but economic benefits, social benefit, and service variety are not. Customer's satisfaction are also showed significantly to be related to the all types of Kakao Bank usage(balance check, transfer, and other services). This study has the significance in that it examines the user's satisfaction and usage of Kakao Bank in terms of benefits and differentiated services while other studies analyzed banking services focusing on the attributes of banking channel itself.

• International Journal of Advanced Culture Technology
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• 제11권2호
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• pp.125-131
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• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• Journal of Smart Tourism
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• 제2권1호
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• pp.21-31
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• 2022

This review paper aims at providing a systematic analysis of articles published in various journals and related to the uses and business applications of big data. The goal is to provide a holistic picture of the place of big data in the tourism industry. The reviewed articles have been selected for the period 2013-2020 and have been classified into 8 broad categories namely business strategy and firm performance; banking and finance; healthcare; hospitality; networks and telecommunications; urbanism and infrastructures; law and legal regulations; and government. While the categories are reflective of components of tourism industries and infrastructures, the meta-analysis is organized around 3 broad themes: preferred research contexts, conceptual developments, and methods used to research big data business applications. Main findings revealed that firm performance and healthcare remain popular contexts of research in the big data realm, but also demonstrated a prominence of qualitative methods over mixed and quantitative methods for the period 2013-2020. Scholars have also investigated topics involving the notions of competitive advantage, supply chain management, smart cities, but also ethics and privacy issues as related to the use of big data.

• 한국정보통신학회논문지
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• 제5권7호
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• pp.1204-1209
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• 2001

급속한 정보통신의 발달로 정보통신 기반을 이용한 전자상거래, 인터넷뱅킹, 주식거래 등 다양한 서비스가 이루어지고 있다. 이때 가장 중요한 문제는 서비스 이용자가 관인임을 확실하게 인증할 수 있어야 한다는 것이다. 그리나 현재 본인임을 인증할 수 있는 방법으로 대부분 쓰이고 있는 개인 비밀번호는 도용 당할 위험이 크다. 이 문제를 해결하기 위해 본 논문에서는 서비스 이용자가 본인임을 확실하고 간단하게 인증할 수 있는 안전한 방법으로 1대1 지문매칭을 이용한 스마트 카드 인증 시스템을 제안한다. 스마트 카드는 정보보호 및 보안성이 뛰어나며 사용이 편리하다. 그리고 지문은 여러 생체인식분야 중 본인임을 인증할 수 있는 가장 우수한 방법으로 주목받고 있다. 본 논문에서 구현한 시스템은 PC를 기반으로 하며 스마트 카드에 지문정보인 특징점을 저장하고 서비스 이용시 이용자의 특징점과 스마트 카드에 저장된 특징점을 비교하여 본인임을 인증함으로써 서비스 이용자가 본인임을 확실하게 인증할 수 있다. 본 논문에서는 구현한 시스템을 다양한 서비스 분야에 응용할 경우 서비스 이용의 안전도를 높일 수 있는 가능성을 제시한다.