• Asian Journal of Business Environment
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• v.10 no.3
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• pp.13-22
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• 2020

Purpose: Vietnam's financial sector has grown substantially but microfinance institutions (MFIs) still face up many challenges in providing financial services to underserved customer segments, including small businesses, rural populations, and urban migrants. The recent worldwide explosion of fintech, including in Vietnam, promises to fill this gap. The purpose of this paper is to analyze fintech activities in microfinance sector and recommend for fintech adoption of MFIs in Vietnam. Research Design, Data and Methodology: The paper's data is mainly based on international organizations such as Asia Development Bank (ADB), Food and Agriculture Organization of the United Nations (FAO) and Vietnamese organizations such as Vietnam Microfinance Working Group. The authors suggest new directions for microfinance activities in Vietnam. Results: In recent years, the application of fintech in microfinance sector has brought many good results, such as improving the quality of products and services, easy access to many customer groups, and scaling up the operating model. Conclusion: MFIs in Vietnam have developed new products and services by applying fintech. The application of technology and digital solution has supported MFIs in Vietnam to gradually achieve targeted growth through expanding geographical inclusion/scale, enhancing product supply/provision, helping in-depth customer understanding as well as improving operational efficiency.

• Journal of Digital Convergence
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• v.12 no.9
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• pp.159-168
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• 2014

With the advancement of internet and mobile communication devices, mobile banking such as internet banking, internet loan and smart phones related to the people's economic activities using mobile communication devices is becoming increasingly more popular. Various security systems to prevent such new crimes are being introduced and the security system market is anticipated to continuously increase substantially in the future. Accordingly, qualitative advancement of the security systems are also in continuous demand. Therefore, this thesis proposes the method and system for quality evaluation of the network access control system by proposing testing and evaluating method for the relevant system through surveying and analyzing the tend in the foundation technologies and standards in the area of network access control system, which is one of the security systems, in order to cope with the demands for the evaluation of the quality of the security system as the security system product market is anticipated to grow continuously.

• Journal of Digital Convergence
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• v.10 no.1
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• pp.125-133
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• 2012

The volume of electronic banking service via smart phone is expected to increase dramatically under smart convergence environment. Under such circumstances, the effort to establish the mobile electronic banking culture which took a major step forward from the conventional electronic commerce method is essential. It is necessary to standardize the mobile payment infrastructure in order to resolve the initiative conflicts between financial institutions and newly launched non-financial institutions. Furthermore, a domestic and international strategy is required as the number of NFC technology based smart phone transaction business is increased. As various types of business enter the electronic commerce field, efforts to resolve the dissatisfaction of the customers are critical. Additionally, security is one of the significant issue due to the conversation process to open-type operating system. This study surveyed and analyzed the current domestic and foreign status, the problems in Korea, and suggested an effective counterplan and policy, which could be helpful in governments' preparation for electronic commerce policy.

• Journal of the Korea Convergence Society
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• v.9 no.1
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• pp.277-282
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• 2018

This study aims to present a direction for securing continuous growth and confidence, centering on two Internet banking companies that started recently. The banking market has been rewriting the history since the emergence of Internet professional banks. In order to improve the credibility and promote the development of the Internet professional banks, I conducted a questionnaire survey and In Depth Interview. As a result of this survey, the overall reliability is still low, and the factors affecting reliability are: 1.Security problem 2.Discomfort of customer service 3.Errors and unnecessary services. This is a start-up business, so the awareness and reliability can be changed soon. Therefore, it is necessary to continue research on this according to the changing user's perception.

• Journal of the Korean Society of Surveying, Geodesy, Photogrammetry and Cartography
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• v.22 no.4
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• pp.339-347
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• 2004

This study aims at calculating the exact soil conversion factor of cutting and banking areas of weathering rocks in large-scaled construction sites where land is being developed into home lots. For this, we have excavated the respective 20 sites of the cutting and banking areas in the said site and then calculated the volume after the excavation. As a result, the relative accuracy of the difference was calculated at 0.5% in average. We have calculated the exact soil conversion factor by the use of function ratio as per the wet unit weight and the indoor soil quality test as per volume calculated. And then we have found out minor differences as a result of the comparison and analysis with soil conversion factor determined by the dry unit weight test as per sand replacement method. This may be judged as a rational design method for the calculation of soil conversion factor, as well as high reliability of site test as a precision photogrammetry is adopted for volume measurement of the irregular excavating areas.

• Journal of Digital Convergence
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• v.14 no.11
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• pp.501-505
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• 2016

Recently, the frequency of dealing important information regarding financial services like paying through smart device or internet banking on smart device has been increasing. Also, with the development of smart device execution environment towards open software environment, it became easier for users to download and use random application software, and its security aspect appears to be weakening. This study inspects features of hardware-based smart device security technology. Furthermore, this study proposes a realization method in MTM hardware-based secure smart device execution environment for an application software that runs in smart devices. While existing MTM provides the root of trust function only for the mobile device, the MTM-based mobile security environment technology proposed in this paper can provide numerous security functions that application program needs in mobile device. The further researches on IoT devices that are compatible with security hardware, gateway security technology and methods that secure reliability and security applicable to varied IoT devices by advancing security hardware are the next plan to proceed.

• Journal of Digital Convergence
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• v.18 no.3
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• pp.133-138
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• 2020

The ability to use ICT is now a prerequisite for living in the information age, and digital literacy, which can access and utilize various digital information such as online banking, shopping, news, and health care, is more important. It is increasing. Accordingly, the social inequality, or digital divide, related to accessing and accepting digital information and knowledge is also an important social issue. In particular, the digital divide by age is becoming a major issue, not only in terms of resolving social imbalances but also in resolving the structural problems of the economy in addition to the survival of the elderly. This study aims to find ways to resolve the digital gap of the elderly in terms of socioemotional selectivity theory and suggests the reasons for the elderly's less access to digital information acquisition and the implications for the solution.

• Journal of Internet Computing and Services
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• v.6 no.3
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• pp.1-16
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• 2005

This paper propose not only MDIT(Mobile Digital Investment Trust) agent design for Trust Investment under Mobile E-commerce environment, but also the symmetric key algorithm 3BC(Bit, Byte and Block Cypher) and the public encryption algorithm F2mECC for solving the problems of memory capacity, CPU processing time, and security that mobile environment has. In Particular, the MDIT Security Agent is the banking security project that introduces the concept of investment trust in mobile e-commerce, This mobile security protocol creates a shared secrete key using F2mECC and then it's value is used for 3BC that is block encryption technique. The security and the processing speed of MDIT agent are enhanced using 3BC and F2mECC.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.1
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• pp.181-195
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• 2010

This study intends to find the empirical relationship between influential factors of CRM realization and performance. The purpose of this study is to analyze effect of managerial support factors on customer orientation, work performance, and customer performance in the banking institutions. First, it is analyzed to find what kind of effects the major factor of CRM system may have on customer orientation. Then, the impacts of the customer orientation on the performance are to be analyzed. Lastly, it is analyzed that the work performance affects the customer performance.

• The Journal of Society for e-Business Studies
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• v.21 no.4
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• pp.41-53
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• 2016

Today, leading smartphone manufacturers offer biometric technologies such as fingerprints, voice recognition, and iris patterns in their flagship models. These biometric technologies are used for authentication. Biometric authentications are widely used in device security and even in financial transaction. This paper examines cases where a user uses biometric authentication during financial transaction (both online and smartphone banking), and explains biometric for non-repudiation by digital signature. Finally, the paper also explains technical and legal requirements for biometric authentication in the area of financial services.