• 한국전자거래학회지
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• 제26권2호
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• pp.143-155
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• 2021

본 연구에서는 금융서비스 분야에서 블록체인 기술이 가져오는 탈중앙화, 혁신성, 상호운용성, 투명성의 장점을 보유한 디파이 기술을 중심으로 연구를 진행하였다. 블록체인 기술로 인해 신성장 동력을 얻은 탈중앙화 금융서비스는 가상자산을 활용하여 금융서비스의 제공 범위를 넓힐 수 있으며, 금융서비스의 혁신을 장려하면서 새로운 비즈니스 기회를 창출할 수 있다. 디파이 개념의 이해를 바탕으로 기술의 필요성 및 주요 활용 사례에 대하여 살펴보고, 향후 도전과제에 대하여 살펴보고자 한다. 이를 통해 디파이는 금융서비스의 새로운 영역으로서의 가능성을 확인하면서, 혁신을 위한 신기술로 발전할 비전에 대하여 이해하는 데 도움이 될 수 있을 것이다.

• 한국산업정보학회:학술대회논문집
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• 한국산업정보학회 2007년도 춘계학술대회
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• pp.213-223
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• 2007

E-Business Platform for SMEs in GMS Countries(GMSEB) is a E-business service portal which based on Yunnan, face to ASEAN, connect with China's mainland. lt is established by Kunming Dongxun Sic&Tech Co.,Ltd and E-Business Centre of Yunnan University of Financial & Economics, who get supports from UNESCAP, Science and Technology Department of Yunnan Provincial and Yunnan SMEs Bureau. The portal will bulid a B2B & B2C E-business and. ASP portal to provide service of e-business and enterprise management informatization according with the different languages and situation to China and GMS countries. The paper starts with analysis of the policy in China of promoting GMS cooperation and exchanges, importance of Yunnan and cultural universality in GMS countries. It expounds the necessity of establishing such a regional e-commerce platform. The project explores how to develop the model of e-business and enterprise management informationization for SMEs under the condition of weak economic strength and scarcity of Information Technology talents. To promote the SMEs in GMS countries participate in the integration with the global economy through the international SMEs'E-business Platform, make a fairly rapid progress by full play to its advantages.

• 정보보호학회논문지
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• 제26권6호
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• pp.1513-1526
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• 2016

금융회사가 전자금융 서비스를 제공하기 시작하면서 전자금융 서비스는 다양화 되었고 전자금융 사용은 지속적으로 증가하고 있다. 이에 금융회사는 안전한 전자금융서비스를 제공하기 위하여 금융 보안정책을 적용하고 있으나 전자금융 사고는 계속해서 지능화되고 증가하고 있는 상황이다. 금융감독기관은 최근 인터넷 전문은행 등장과 핀테크 활성화와 더불어 비대면 실명확인 제도 신설 및 전자금융 거래를 통한 자금이체 시 공인인증서 또는 일회용비밀번호 의무사용 폐지 등의 규정을 개선하여 이용자의 편리함을 추구하는 동시에 금융회사에게는 이상금융거래 탐지 시스템 고도화 및 개선을 통한 불법이체 사고 방지를 권고하고 있다. 본 논문에서는 금융회사 제반 상황에 적합한 블랙리스트기반 자동화 탐지 기법을 제안하고 블랙리스트 정보를 레벨링하여 보안레벨에 따른 블랙리스트기반과 통계모델을 연동한 실시간 이상금융거래 탐지 기법을 제안하며, 기존 전자금융 사고유형 분석을 통한 특징적 패턴에 따른 실시간 이상금융거래 탐지기법의 대응 모델을 제안하고자 한다.

• 정보보호학회논문지
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• 제25권1호
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• pp.133-146
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• 2015

전자금융사기의 고도화와 함께 지능적인 수법들이 동원됨에 따라 전자금융 사용자들의 피해사례가 늘어나고 있다. 이에 대한 대응 방안으로 금융당국은 사용자 구간에 집중된 기존 보안 대책 외에 이의 한계성을 극복하기 위한 이상거래 탐지 시스템의 도입을 확대 권고하고 있다. 이상거래 탐지 시스템은 실시간으로 고객의 거래를 확인하고 이상거래 유무를 판별하여 전자금융 사고를 방지할 수 있도록 하는 시스템으로 거래 정보를 빠르게 분석하여 이상거래를 식별하는 것이 핵심이다. 본 논문에서는 사고 데이터분석을 통해 이상 징후 패턴을 파악하고 탐지 룰을 설정하고, 이렇게 설정된 룰을 기반으로 고객 개인별 거래 패턴과 고객 프로파일을 비교하여 이상거래 여부를 판단하고자 한다. 이때 의사결정나무를 사용하여 탐지 룰을 정규화 하여 효과적으로 이상거래를 탐지 할 수 있도록 하는 방법을 제안하고자 한다. 실증 분석을 위해 국내 모 은행의 전자금융 사고 데이터를 바탕으로 패턴 정보와 고객 프로파일 정보를 도출하였고 이를 통하여 탐지 룰을 설정하였다. 그리고 탐지된 룰을 의사결정나무를 사용하여 정규화 한 결과를 순차적인 탐지 방식과 비교하여 제시된 방안이 효과적임을 확인하였다.

• The Journal of Asian Finance, Economics and Business
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• 제9권10호
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• pp.251-264
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• 2022

This study explores e-banking variables that affect client satisfaction in the Saudi Arabian banking industry spanning three dimensions: reliability, security concerns, and efficiency, which were chosen as predictors of customer satisfaction in the e-banking industry. A field survey using a self-administered questionnaire as a data collection instrument was adopted to collect the required data from a convenience sample of 250 participants of Saudi banking customers. The overall fit of the hypothesized model was tested using linear regression to find the rate of the independent factors' impact on the dependent variable. The study's findings revealed that there is a statistically significant relationship between the three dimensions and customer satisfaction in Saudi e-banking, with the largest impact being that of reliability, followed by efficiency, and finally security concerns. Also, the study found there was a significant difference in reliability which was considered more important for Saudis and there was a significant difference in efficiency, which was considered more important by males. The findings of this study suggest that these three dimensions are instrumental in e-banking customer satisfaction and that banks can gain a competitive edge by providing better services in these dimensions to sustain and develop their performance in the increasingly globalized banking industry.

• 융합경영연구
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• 제11권2호
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• pp.1-11
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• 2023

Purpose: With the rapid development of e-commerce, logistics services, as an important part of e-commerce shopping, have gradually attracted people's attention. Customer engagement behavior is a new topic in marketing, and its connotation is still being explored. The purpose of this paper is to study the relationship between logistics service quality and customer engagement behavior. Research design, data and methodology: This study employed the method of online questionnaire survey, with Chinese e-commerce platform users as the survey objects, 248 valid survey sample data were collected, and the method of factor analysis and structural equation model analysis was used to verify the research hypothesis model constructed in this paper. Results: The four dimensions of e-commerce logistics service quality have different influences on customer satisfaction, and the influence of availability on customer satisfaction is not significant. Convenience, assurance, and security have a significant positive impact on customer satisfaction; Customer satisfaction has a significant positive impact on the three dimensions of customer engagement behavior: customer repeat purchase behavior, online word-of-mouth, and customer referrals. Conclusion: The results of this study will provide useful reference for the managers of e-commerce companies to improve customer engagement behavior by improving the logistics service quality.

• The Journal of Asian Finance, Economics and Business
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• 제7권8호
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• pp.395-405
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• 2020

This study examines the relationships and the impacts of service quality, customer satisfaction and switching costs on customer loyalty of e-banking in commercial banks. This study uses questionnaires with 7-point Likert scale to collect data from 227 e-banking users, who are mainly students and paid employees in Hanoi City, Vietnam. The collected data are analyzed by using multivariate linear regression method. The results show that all five factors of service quality in e-banking - reliability, responsiveness, service capacity, empathy and tangibility - have positive correlations with customer satisfaction. Among these determinants, service capacity and tangibility have the strongest impact. It means that, by increasing the quality of their services through five above factors, especially through improving capacity and tangibility, commercial banks can satisfy their customer better. In addition, customer satisfaction is strongly and positively correlated to customer loyalty. It means that, if customers are satisfied with e-banking services of one bank, they not only continue to do more businesses with this bank, but also recommend this bank to other people. Lastly, customer loyalty also has a strong and positive correlation with switching costs, which means customers tend to be loyal to one bank if the barriers to switching banks increase.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.561-573
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• 2021

Knowing how to build and maintain consumer trust is crucial for e-commerce. Despite the number of empirical studies that have explored the factors that influence consumer trust, none of them considers the relative importance of different antecedents and how they interact to influence consumer trust. Therefore, based on the integrated Decision Making Trial and Evaluation Laboratory (DEMATEL) and Interpretive Structural Modeling (ISM) approaches, we establish a hierarchical structural model, which not only demonstrates the intensity of the relationships but also identifies the interdependence among the drivers of consumer trust in E-commerce. The findings confirm that propensity to trust is the most important determinant of consumer trust. The brand-related factors and platform-related factors are prominent in the process of building trust as they influence consumer trust indirectly through propensity to trust. Geographic location, demographic variables, and high security are identified as the root causes that affect consumer trust through other trust antecedents. Furthermore, the findings of this study offer valuable insights into an important element of e-commerce and provide a useful platform for future research. More represented samples and factors are encouraged for further research to ensure research fairness and minimize consumer distrust and uncertainty.

• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.63-73
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• 2021

This study investigates the key determinants of exchange rate (RER) misalignment for the period 1991 to 2020. The BEER technique has been used to estimate the degree of the equilibrium exchange rate. To explore the actual exchange rate misalignment and to assess the behavior of variables that are different in different regimes of undervaluation and overvaluation, the nonlinear technique of Markov regime-switching (MSM) was applied. The mean and variance of each regime are highly significant and show that undervaluation episodes have a low mean (116.139) and more volatility (1.229) while overvaluation episodes have a high mean (126.732) with less volatility (0.871). The findings show that MSM accurately identifies exchange rate misalignment in both regimes as separate incidents of overvaluation and undervaluation. Results further depict that misalignment of the RER is affected by terms of trade, net foreign assets, interest differential, government investment, and consumption decision. Results recommend that if policymakers want to use the exchange rate as a policy tool, they must first consider the drivers of the equilibrium exchange rate. As a result, any deliberate actions to address exchange rate misalignment must focus on the underlying fundamentals that drive the exchange rate.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.139-154
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• 2021

This study's impetus is to explore fresh evidence to answer the question, i.e., whether remittances asymmetrically influence financial development in Bangladesh from 1975 to 2019. The study employs several tests, i.e., nonlinear unit root test, Autoregressive Distributed Lagged (ARDL), NARDL, and asymmetric causality test for establishing the pattern of association. Nonlinear unit root tests confirm that variables follow a nonlinear system of being stationary after the first difference. nonlinearity among variables is investigated by performing the BDS test and nonlinear OLS. Directional causality is investigated through both linear and nonlinear effects of remittance inflows by following the non-granger casualty test. The test statistics of Fpass and tBDM showed the Long-run cointegration in the empirical model and positive effect running from remittances inflow to financial development both in the long-run and short-run. Furthermore, the results of a standard Wald test divulge the presence of long-run and short-run asymmetry. Asymmetry causality test established unidirectional causality due to positive and negative shocks in remittances inflows to Bank-based financial development and feedback hypothesis hold for explaining causality between positive and negative shocks in remittance inflows and Stock-based financial development.