• 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.

• 유통과학연구
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• 제18권10호
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• pp.89-99
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• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• 한국전자거래학회:학술대회논문집
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• 한국전자거래학회 2002년도 e-Biz World Conference
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• pp.211-213
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• 2002

ㆍ Server Wallet ㆍ서버에 고객정보 및 결제정보 저장 ㆍ상용 단말기로 구성 가능 ㆍ정보의 노출로 보안 취약 ㆍ Embedded Wallet ㆍ단말기에 고객정보 및 결제정보 암호화 저장 ㆍ단말기 Upgrade 및 새로운 사양의 단말기 ㆍ Wallet Porting 및 변경에 따른 부담 ㆍ강화된 보안 ㆍ Download Wallet ㆍ필요에 따라 Wallet을 Download하여 단말기에 저장 사용 ㆍJAVA 기반의 단말기에서만 가능 ㆍWallet 유지보수 용이(중략)

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.505-516
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• 2020

The purpose of the research is to identify antecedents of mobile wallet continuance intention in Vietnam. A self-administered questionnaire was distributed to collect data from a total of 276 respondents. Partial least squares structural equation modeling was employed for analyzing the data. Five mobile wallet features - mobile application quality, mobile wallet familiarity, situational normality, payment security, and feedback mechanism - are introduced as fundamental elements, which influence customer' continuance intention to use mobile wallet in Vietnam. The results indicate that mobile quality application and familiarity can significantly influence perceived ease-of-use (PEOU) and perceived usefulness (PU), but situational normality has an impact only on PEOU. PEOU and PU are positively related to satisfaction. On the other hand, payment security and feedback mechanism affect positively customer' trust. As a result, the positive effects that satisfaction and trust have on electronic wallet continuance intention are confirmed. The findings can be used to advise mobile wallet providers to improve their platform design and services to retain users. As a theoretical contribution, this study combines the Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology to investigate the key determinants on continuance intention in the context of electronic wallet in Vietnam.

• 정보처리학회논문지C
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• 제9C권5호
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• pp.687-698
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• 2002

무선인터넷의 활성화와 더불어 기존의 유선 및 무선 전자상거래를 통합하는 여러 방안에 대한 관심이 고조되고 있다 유.무선 통합형 전자상거래를 위해서 무선통신 환경에서의 최적화된 보안 및 인증 그리고 사용자에게 보다 편리한 사용방안이 선결되어야 한다. 본 논문에서는 J2ME(Java 2 Micro Edition) 기반 MIDP(Mobile Information Device Profile)를 이용해서 전자지불용 전자지갑 모듈 개발을 통해 유선과 무선에서 공통으로 사용할 수 있는 유\ulcorner무선 연동의 모바일 전자지갑(Mobile Wallet)을 설계 및 구현하였다. 본 논문에서 구현한 전자지갑의 특징은 지불정보의 암\ulcorner복호화를 통한 안전성 제공과 전자지갑의 다운로드를 통해 유.무선 환경에서 온라인 형태로 사용할 수 있는 기능을 제공하는 것이다. 또한 유.무선인터넷 전자상거래에서 안전하고 편리한 지불방안을 제시한다.

• 한국전자거래학회:학술대회논문집
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• 한국전자거래학회 1998년도 학술대회지 vol.2
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• pp.391-401
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• 1998

인터넷의 대중화로 전자상거래 시대를 맞이하게 되었다. 현재 전자상거래용 구매자의 전자지갑은 주로 상품의 입수를 위한 대금지불 수단으로 이용되고 있다. 본 논문에서는 현재 발표된 전자상거래용 전자지갑의 현황을 분석하고 그 구조를 파악하여, 이를 토대로 전자상거래 시대에 있어서의 구매자 입장에서의 차세대 전자지갑의 모델을 디자인하고자 한다. 차세대 전자지갑은 개방형 구조이며, 사용자의 의사결정에 도움을 주어야 하고, 개인 Profile 관리기능, 장바구니 기능, 다양한 지불수단제공, Workflow, ERP시스템과의 연계, 편리한 인증관리 기능 등을 가져야 할 것이다. 본 논문에서는 이러한 차세대 전자지갑의 정의, 특징, 기능, 구조 등에 대해서 논할 것이다.

• International Journal of Computer Science & Network Security
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• 제21권6호
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• pp.222-230
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• 2021

Mobile wallets have been in continuous demand and developed over the past few years, especially during the COVID-19 pandemic. Several studies have examined user intentions and perspectives. This study develops a conceptual model combining behavioral factors with the technology acceptance model (TAM). The goal is to identify key factors that influence user's intention to adopt mobile payments. This study uses the TAM and the unified theory of acceptance and use of technology (UTAUT) models with additional factors. The additional factors are security, trust, facilitating conditions, and lifestyle compatibility. The study analyzes the results of a survey of 394 Saudi citizens conducted via an online survey. The results indicate that user attitudes and intentions are positively influenced by all of the factors. Perceived usefulness, perceived ease of use, lifestyle compatibility, and facilitating conditions are direct predictors of user behavior in accepting mobile wallet payments. This study provides an empirical contribution to the literature on mobile payment acceptance on the effect of perceived usefulness and lifestyle compatibility. The results demonstrate that about 26% of the respondents started using mobile wallet services because of the COVID-19 pandemic.

• 한국전자거래학회지
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• 제20권1호
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• pp.117-135
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• 2015

모바일 쿠폰과 멤버십 카드를 통합적으로 관리하는 모바일 지갑은 사용 편리성과 경제적 혜택으로 인해 빠르게 성장하고 있는 모바일 서비스 중의 하나이다. 그러나 빠른 성장에도 불구하고 모바일 지갑을 지속적으로 사용하지 않는 단기 사용자의 증가는 모바일 지갑 서비스 제공자들이 수익창출을 위해 해결해야 할 주요한 문제점이 되고 있다. 본 연구에서는 모바일 지갑 사용자의 서비스 사용기간을 늘리기 위한 주요 고려사항을 도출하기 위해, 모바일 지갑 사용자의 지속적인 사용의도에 영향을 주는 요인을 이익(Benefit)과 비용(Sacrifice)측면으로 나누어 종합적으로 분석 가능한 VAM(Value-based Adoption Model)을 적용하여 검증하였다. 연구결과, 이익 측면에서는 유용성, 가치표현, 인지된 보안과 즐거움이 지각된 가치에 유의한 영향을 미치는 것으로 나타났으며, 비용 측면에서는 기술의 복잡성이 지각된 가치에 유의한 영향을 미치는 것으로 확인되었다. 또한, 지각된 가치는 지속사용의도와 유의한 관계를 갖는 것으로 검증되었다. 본 연구결과를 활용해 모바일 지갑 서비스 제공자가 단기 사용자를 위한 서비스의 개선 및 마케팅 시에 기능 측면뿐만 아니라 감성적 측면의 요인들까지 고려할 수 있을 것으로 기대한다.

• International Journal of Internet, Broadcasting and Communication
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• 제13권4호
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• pp.1-10
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• 2021

The purpose of the study is to contribute to the positive development of blockchain technology by providing data to examine security vulnerabilities and threats to blockchain-based services and review countermeasures. The findings of this study are as follows. Threats to the security of blockchain-based services can be classified into application security threats, smart contract security threats, and network (P2P) security threats. First, application security threats include wallet theft (e-wallet stealing), double spending (double payment attack), and cryptojacking (mining malware infection). Second, smart contract security threats are divided into reentrancy attacks, replay attacks, and balance increasing attacks. Third, network (P2P) security threats are divided into the 51% control attack, Sybil attack, balance attack, eclipse attack (spread false information attack), selfish mining (selfish mining monopoly), block withholding attack, DDoS attack (distributed service denial attack) and DNS/BGP hijacks. Through this study, it is possible to discuss the future plans of the blockchain technology-based ecosystem through understanding the functional characteristics of transparency or some privacy that can be obtained within the blockchain. It also supports effective coping with various security threats.

• 유통과학연구
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• 제22권5호
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• pp.93-104
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• 2024

Purpose: This study used the SORmodel (or cue utilization theory) to examine the impact of expanded quality factorsincluding product quality on customer satisfaction, attitude, and behavioral loyalty. This study examined the moderating effect of gender on the customer satisfaction-attitudinal and behavioral loyalty relationship. Research design, data, and methodology: 364 respondents were collected through an online survey and analyzed using the SmartPLS 4.0 program. Results: The findings show that product quality, along with system quality and service quality, are key determinants of customer satisfaction. In addition, this study shows that the relationship between customer satisfaction and attitudinal loyalty (repurchase and word-of-mouth intention) does not differ depending on gender, but the relationship between customer satisfaction and behavioral loyalty (share-of-visit and share-of-wallet) is stronger for women than for men. Conclusions: This research integrates concepts from environmental psychology and marketing focusing on website quality (information, system, service, and product), as well as satisfaction, attitudinal and behavioral loyalty. Online shopping mall practitioners must systematically analyze and assess the quality of online shopping, a pivotal factor driving customer satisfaction, attitude, and behavioral loyalty. Acknowledging the influence of gender on consumers' online purchasing behavior can aid online retailers in devising tailored e-commerce marketing strategies aimed at attracting and retaining customers.