• 한국융합학회논문지
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• 제9권1호
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• pp.291-301
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• 2018

본 연구는 핀테크 사용자 및 시스템 특성이 지각된 인식과 지속사용의도에 미치는 영향을 주는 요인이 무엇인지를 살펴보았다. 자료수집은 광주광역시에 거주하고, 스마트폰 등을 사용하는 직장인 등을 대상으로 600명의 설문을 수행하였다. 연구결과, 첫째, 사용자들은 핀테크 서비스에 대한 자기효능, 혁신성, 적합성은 핀테크 서비스의 지각된 인식과 사용의도에 영향을 미치는 것으로 나타났다. 둘째, 시스템 특성은 핀테크 서비스의 지각된 인식 및 사용의도에 긍정적인 영향을 미치는 것으로 나타났다. 셋째, 사용자 특성과 시스템 특성에서 위험성에 대한 가설은 기각되었는데, 개인정보 및 전자금융거래가 유출에 의한 금융사기 등의 피해사례가 급증함에 따라 개인정보유출 및 보안에 대한 우려를 가장 우선시하는 것으로 보인다. 따라서 핀테크 서비스를 확산시키기 위해서는 기업의 마케팅 전략으로 편리성과 사용의도를 저해하는 위험성 등의 불편사항을 제거해 줄 수 있는 핀테크 서비스 전략이 수립되면 효과적일 것이라고 사료된다.

• International Journal of Internet, Broadcasting and Communication
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• 제15권4호
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• pp.1-8
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• 2023

This paper analyzes the trends of identification proofing services(PIPSs) to identify and authenticate users online and proposes a method to improve PIPS based on alternative means of resident registration numbers in Korea. Digital identity proofing services play an important role in modern society, but there are some problems. Since they handle sensitive personal information, there is a risk of information leakage, hacking, or inappropriate access. Additionally, online service providers may incur additional costs by applying different PIPSs, which results in online service users bearing the costs. In particular, in these days of globalization, different PIPSs are being used in various countries, which can cause difficulties in international activities due to lack of global consistency. Overseas online PIPSs include expansion of biometric authentication, increase in mobile identity proofing, and distributed identity proofing using blockchain. This paper analyzes the trend of PIPSs that prove themselves when identifying users of online services in non-face-to-face overseas situations, and proposes improvements by comparing them with alternative means of Korean resident registration numbers. Through the proposed method, it will be possible to strengthen the safety of Korea's PIPS and expand the provision of more reliable identification services.

• 디지털융복합연구
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• 제12권12호
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• pp.93-106
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• 2014

모바일 쇼핑은 모든 사용자에게 있어 항상 유용하게 사용되는 것만은 아니다. 주요 원인으로 비사용자의 경우 모바일 쇼핑몰에 대한 심리적, 보안적 취약성 등에 대한 잠재적 요인이 모바일 쇼핑에 대한 거부감을 형성하는 것으로 인지되고 있다. 본 논문에서는 혁신저항모델의 문헌연구를 통해 연구모형을 구성하여, 스마트폰을 이용한 모바일 쇼핑 시 소비자들이 갖는 거부 심리요인들이 모바일 쇼핑몰의 인지된 위험을 통해 구매저항에 어떤 영향을 미치는지 연구하고자 한다. 실증분석 결과 모바일 쇼핑 시 소비자의 심리요인 중 보안성은 인지된 위험에 모두 영향을 미치는 것으로 나타났으며, 부정적 사회영향과 인지부조화는 사회적 위험, 배송위험에만 영향을 미치며, 불확실성은 성능적인 위험에만 영향을 미치는 것으로 나타났다. 또한 인지된 위험은 구매저항에 모두 영향을 끼치는 것으로 나타났으며, 특히 사회적 위험이 가장 큰 영향을 미치는 것으로 나타났다.

• Asia pacific journal of information systems
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• 제24권3호
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• pp.299-323
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• 2014

The reason location based service is drawing attention recently is because smart phones are being supplied increasingly. Smart phone, basically equipped with GPS that can identify location information, has the advantage that it can provide contents and services suitable for the user by identifying user location accurately. Offering such diverse advantages, location based services are increasingly used. In addition, for use of location based services, release of user's personal information and location data is essentially required. Regarding personal information and location data, in addition to IT companies, general companies also are conducting various profitable businesses and sales activities based on personal information, and in particular, personal location data, comprehending high value of use among personal information, are drawing high attentions. Increase in demand of personal information is raising the risk of personal information infringement, and infringements of personal location data also are increasing in frequency and degree. Therefore, infringements of personal information should be minimized through user's action and efforts to reinforce security along with Act on the Protection of Personal Information and Act on the Protection of Location Information. This study aimed to improve the importance of personal information privacy by empirically analyzing the effect of perceived values on the intention to strengthen location information security and continuously use location information for users who received location-based services (LBS) in mobile environments with the privacy calculation model of benefits and risks as a theoretical background. This study regarded situation-based provision, the benefit which users perceived while using location-based services, and the risk related to personal location information, a risk which occurs while using services, as independent variables and investigated the perceived values of the two variables. It also examined whether there were efforts to reduce risks related to personal location information according to the values of location- based services, which consumers perceived through the intention to strengthen security. Furthermore, it presented a study model which intended to investigate the effect of perceived values and intention of strengthening security on the continuous use of location-based services. A survey was conducted for three hundred ten users who had received location-based services via their smartphones to verify study hypotheses. Three hundred four questionnaires except problematic ones were collected. The hypotheses were verified, using a statistical method and a logical basis was presented. An empirical analysis was made on the data collected through the survey with SPSS 12.0 and SmartPLS 2.0 to verify respondents' demographic characteristics, an exploratory factor analysis and the appropriateness of the study model. As a result, it was shown that the users who had received location-based services were significantly influenced by the perceived value of their benefits, but risk related to location information did not have an effect on consumers' perceived values. Even though users perceived the risk related to personal location information while using services, it was viewed that users' perceived value had nothing to do with the use of location-based services. However, it was shown that users significantly responded to the intention of strengthening security in relation to location information risks and tended to use services continuously, strengthening positive efforts for security when their perceived values were high.

• 한국IT서비스학회지
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• 제12권4호
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• pp.205-218
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• 2013

Recently, due to the proliferation of smartphones, users of mobile banking services which are based in wireless Internet without constraint of the time and places are significantly increased. In the study, considering the characteristics of mobile banking services based on the smartphone and the user behavior. we analyse the factors which have an effect on the behavioral intention to use mobile banking services based on the smartphone. For this purpose, we use the model which is based on Technology Acceptance Model (TAM) and add two constructs:the perceived enjoyment and the perceived risk. A survey data for 194 students at the K cyber university is used for statistical analysis. As a result, the perceived ease of use affects the perceived usefulness and the perceived enjoyment, and the perceived ease of use. And the perceived usefulness and perceived enjoyment affect continuous intention to use. On the other hand, the hypothesis which the perceived risk would affect adversely the continuous intention to use is rejected. Through this study, we expect to provide the useful implications for the smartphone banking services and contribute to the development of strategy for them.

• 기본간호학회지
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• 제14권4호
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• pp.524-535
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• 2007

Purpose: The purpose was to identify the risk of drug use by adolescents. Method: The participants were 933 male students in the first grade of a high school in D city. The data were collected from Aug. 5th to Oct. 30th, 2004. The instrument was the High Risk Group Adolescent Drug User Screening Test(HIRIGADUST) developed by the Korea Adolescent Society(1996). The data were analyzed using SPSS. Results: For substance use, 64.5% of the students answered that they had drunk, 40.3% that they had smoked, and 2.0% that they had tried drug use. For scores on HIRIGADUST regarding socio-demographic characteristics, there were significant differences depending on school type, personality, academic performance, economic status, and ability to talk with parents. For scores on HIRIGADUST regarding drug using-related characteristics, there were significant differences depending on drinking experience, frequency of drinking, amount of alcohol intake, smoking experience and number of cigarettes smoked. Of the students 27.2% students were in the high risk group. Conclusion: In schools, systematic and intensive assessment of drug use should be done, and if needed, a service system connected to clinics specializing in drug addiction should be established. Prevention education should be carried out continuously.

• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.75-91
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• 2022

This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

• 스마트미디어저널
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• 제11권10호
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• pp.76-88
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• 2022

개인정보 유출은 프라이버시 침해뿐 아니라 유출 정보를 활용한 추가 공격으로 이어질 수 있어 매우 심각한 위협인데, 그 유출은 주로 개인정보를 수집하고 저장하는 기관의 서버 데이터베이스 해킹을 통해 발생한다. 본 논문에서는, 서비스 요청 고객이 자신의 개인정보를 신뢰성 있는 기관을 통해 서비스 제공자에게 안전하게 위임 제공하도록 하며, 데이터 기밀성을 보장하는 블록체인에 제공 내용을 저장하여 이를 해당 서비스의 두 당사자만이 조회할 수 있도록 하는 기법을 제안한다. 이를 통해 서비스 제공자가 자체 데이터베이스에 고객정보를 저장할 필요가 없어진다. 따라서 서비스 제공자가 고객의 회원가입이나 개인정보의 데이터베이스 내 보관 없이도 고객을 서비스할 수 있기에, 서버 데이터베이스를 통한 정보 유출을 전면적으로 차단할 수 있게 된다. 또한, 제안 기법은 고객 스마트폰에 소유자의 인증 비밀 값이나 개인정보의 저장을 요구하지 않기에, 스마트폰을 통한 정보 유출 및 그 정보를 이용한 후속 공격의 위험으로부터도 자유롭다.

• 한국데이타베이스학회:학술대회논문집
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• 한국데이타베이스학회 2010년도 춘계국제학술대회
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• pp.165-180
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• 2010

This study takes a holistic approach to understanding the diffusion of IPTV services by combining the adoption-diffusion model and the use-diffusion model of innovation. IPTV service, a leading Digital converged application coupling media content with telecom, has been recently launched commercially in Korea. We created a structural model of adoption-diffusion, using the perceived ease-of-use and usefulness of TAM(Technology Acceptance Model) as mediating variables, and a structural model of use-diffusion, with the rate of use and the variety of use as mediating variables. To empirically analyze these models, non-users of IPTV were surveyed using the adoption-diffusion model to identity factors influencing their intention to subscribe to the service. Meanwhile, users of IPTV were surveyed using the use-diffusion model to determine the factors that influence their satisfaction with the service and their intention to fe-use it. Under the adoption-diffusion model, we found that trialability, household innovativeness and perceived risk were the determinants of user satisfaction with IPTV, and perceived ease-of-use, the mediating factors. Under the use-diffusion model, complementarity and communication were shown to be the determinants of users' satisfaction with IPTV, and variety of use, the mediating factor. We also found that consumers' intention to re-use IPTV was strongly influenced by its relative advantage and perceived risk.