• Journal of Information Technology Services
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• v.16 no.2
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• pp.139-156
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• 2017

Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.

• The Journal of Asian Finance, Economics and Business
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• v.4 no.3
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• pp.27-34
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• 2017

This study aims to assess the attraction of foreign direct investment in Vietnamese economic zones (including industrial zones and economic zones). The main research method used are synthesis and comparison analysis based on the data collected from the surveyed group comprising of enterprises operating in the economic zones in the Middle (Chu Lai, Nhon Hoi, Dung Quat) and the Southern (the largest island: Phu Quoc). After conducting surveys, research results show that there is a difference between the assessment and the level to meet the requirements of investors with business environment, expressed through the following criteria: (1) the infrastructure; (2) quality of public services; (3) preferential policies; (4) labor; (5) market; and (6) social services. Based on the assessment of the identified criteria, this paper had suggested six number of recommendations to promote the role of attracting foreign direct investment capital into the economic zones in Vietnam: (1) implementing the "one-stop-shop" policy; (2) continuing to improve the infrastructure of economic zones; (3) prevent and ensure the security of economic zones; (4) implementing vocational training activities to improve quality of human resources; (5) development of supporting industries; (6) raising the quality of capital invested in the economic zone.

• Journal of Digital Convergence
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• v.18 no.2
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• pp.23-35
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• 2020

Mobile Money is a key factor of financial inclusion that can revolutionize the financial service delivery and hence enhance access to finance in emerging economies, especially the East African countries. This study therefore aims to study the determinants of individual's behavioral intention and usage of Mobile Money services in Ethiopia by usiing the UTAUT2 model. The research model was tested by sampling 200 respondents from different areas of Ethiopia. The analysis results found that Government Support, Facilitating Conditions, Performance Expectancy, Trust and Effort Expectancy are the key factors that affect the usage of Mobile Money service, while Lower Transaction Cost factors and Social Influence were not statistically significant. The findings provide useful information that only government's active efforts and support to promote mobile money services, through appropriate policies and regulations rather than lower transaction cost, can facilitate the adoption and dissemination of such services in Ethiopia.

• Journal of Digital Convergence
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• v.15 no.1
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• pp.381-391
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• 2017

Biometric technology is a technology for authenticating a user using the physical or behavioral features of the inherent characteristics of the individual. With the necessity and efficiency of the technology in the fields of finance, security, access control, medical welfare, inspection, and entertainment, the service range has been expanding. Biometrics using biometric information such as fingerprints and faces have been exposed to counterfeit and disguised threats and become a social problem. Recent studies using a bio-signal from the inside of the body other than the bio-information of the external body are being developed. This paper analyzes the recent research and technology of biometric systems using bio-signals, ECG, heart sounds, EEG, and EMG to present the skills needed for the development direction. In the future, utilizing the deep learning to build and analyze database to manage bio-signal based big data for the complex condition of individuals, biometrics technologies suitable for real time environment are expected to be researched.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.1077-1085
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• 2020

This research is a literacy study regarding the implementation and management of the economic role of haria as a new strategy in overcoming the problem of the global financial crisis that has hit the middle of the COVID-19 pandemic. The research method comes from previous studies to compare the capitalist, socialist, and sharia economic systems. In response to various economic uncertainties, both internal and external, the ability to seize opportunities and transform has become the key to economic resilience. Islamic economics can be an alternative in responding to the dynamics of the global and national economy. Several things need to be taken into consideration in fulfilling the sharia economy and the primary strategy chosen must come from the inputs given by the stakeholders, including business actors, associations, regulators as well as experts, and academicians. The primary strategy in implementing the sharia economy also requires the support of various parties in order to develop sustainability. Strengthening regulation and governance is one of the fundamental factors. Optimization of the sharia economy based social sector such as Zakat, Infaq, Sadaqah, and Waqaf can be optimized both for collection and distribution so that the concept of sharing can certainly support the development and the economy both nationally and globally.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.469-477
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• 2020

The main objective of this paper is to examine the applicability of Linan and Chen's entrepreneurial intention model (EIM) in predicting the entrepreneurial intention. EIM is an adaptation of the Theory of Planned Behavior that focuses on entrepreneurial intention and hypothesizing slightly different patterns of relationship with regards to subjective norms. The model also includes human capital and demographic factors. Snowball sampling method was used to collect data using the entrepreneurial intention questionnaire (EIQ) through several social media platforms. The survey indicates that the overall entrepreneurial intention of Saudi students is high (mean = 5.41). Eight out of the seventeen hypothesized relationships were found to be significant. Among the demographic variables, gender-personal attitude was significant whereas self employment experience and years of business education were found to be significantly related with perceived behavioral control. The statistical analysis using partial least square structural equation modelling validated the model. All the three antecedents of entrepreneurial intention were significantly related with entrepreneurial intention. The results of this study will help policy makers to get deep understanding into the phenomenon of entrepreneurship among Saudi university students and thereby develop a conducive environment. This study also validates the entrepreneurial intention model in a different cultural context.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.875-884
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• 2020

Thailand has a rapidly growing pharmaceutical sector, which is the eighth largest in the Asia-Pacific region and one of the largest and most developed among the Association of Southeast Asian Nations (ASEAN) countries. This study examines how to provide the most appropriate approach to enhance Thailand's pharmaceutical services to dispense medicine to end consumers. The main objective is to determine the most appropriate corporate image for Thai Pharmacy Retail Stores (PRSs) for entering the ASEAN market community. An exploratory mixed-method design characterized by qualitative and quantitative phases of data collection and analysis and the linking of data from these two separate data strands was adopted to conduct an in-depth interview with pharmacists and the owner of pharmacy retail stores as well as 405 respondents who had visited a pharmacy retail store and interacted with pharmacists during the previous year. The multiple linear regression (MLR) was applied to analyze the relative influences of perceived service quality and the cultural dimension on the corporate image. Findings reveal that the perceived service quality and cultural dimension contribute 50% towards the corporate image, and the perceived service quality had more effect than cultural dimension. This study mainly focuses on PRSs in Thailand, while the findings show other analyses concerning how to successfully create and promote an effective PRS image for ASEAN markets.

• Journal of the Korean Data and Information Science Society
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• v.26 no.6
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• pp.1199-1206
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• 2015

into aging is the most rapidly increasing among the OECD countries. Consequently, this study aims at analyzing the forms of portfolio establishment by group, the factors affecting the old age preparation, and the presence of middle-aged households' preparation for the old ages in order to forestall social problems like the poverty ration of elderly that have been caused by the rapidly aging society. The result shows that the portfolio for the old age preparation can be expanded if a combination product of finance and real estate is developed as a means of old age preparation. Upon the results of the study above, it can be seen that the old age preparations differ according to not only the demographic elements, but also the extent to how much resources one holds. Especially, the various factors affecting the holding resources vary householder by household depending on whether they prepare for the old ages or not.

• Journal of Digital Convergence
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• v.13 no.9
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• pp.137-148
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• 2015

The objectives of this study identify the factors that affect the quality of MTS services, to determine the effects of these service quality factors on customer's satisfaction and customer's loyalty. The results are as follows: First, The Four factors, i.e., tangibles, reliability, responsiveness, and assurance, represent statistically marginal significance in explaining the relationship between MTS service quality factors and customer's satisfaction. Second, The Five factors, i.e., rapidness, tangibles, responsiveness, empathy, and assurance represent statistically marginal significance in explaining the relationship between MTS service quality factors and customer's loyalty. Third, There are some differences in assurance/period of utilization, empathy/period of utilization in using MTS services according to social statistics. This article provides the paradigm of new convergence on IT and finance.

• Journal of Digital Convergence
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• v.15 no.2
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• pp.1-9
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• 2017

This study is to grasp its characteristics by typing a subjective perception of directors on a private childcare center(PCC)' financial management. This study is used the selected 25 statements and 27 directors performed the Q sort. As this result, the three types were derived. Financial Independence Type perceived that a finance accounting rules for PCC has to revised, and it is in need of guarantee of PCC' independency. Public Childcare Type is a type that a government support on PCC is aided as much as support of a National/Public childcare center. Project Support Type is the type that a rule enactment and support is correspond to a scale and characteristics of PCC. Based on the result of research, I presented a implications and suggestions on a childcare policy.