• 무역상무연구
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• 제59권
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• pp.137-157
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• 2013

The Electronic Trade Finance not only has with the trait which is simple procedures, low cost but also easier access to using statistics compare to formerly paper based system. In Korea, all of trade finance system will be changed to electronic base by February 2014. The purpose of this research finds the using status and problems of the electronic local L/C and electronic purchase certificate, and suggests several improvements. First, the whole trade finance system should improve in terms of simple procedures, especially small and medium companies can use the system sufficient maximum limit. Second, the organizers, KTNET, KITA etc, need to the new electronic trade finance system promote to customers and training program for early settlement. It also has to manage at an unified system between IT and tex authorities. Third, small and medium size companies still think the charge for using high, so it need to make a resonable charge for using the electronic system to persuasive extent reasonable about it.

• 통상정보연구
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• 제6권3호
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• pp.353-370
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• 2004

In recent years, electronic finance, especially online banking and brokerage services has reshaped the financial landscape around the world For example, e-finance makes it possible to offer banking services around the world 24 hours a day. The aim of this paper is to analyze the macroeconomic effects of e-finance and e-money, or with existing leading studies, is to survey how development of e-finance effects on monetary polices, and is to think out political devices to raise the efficiency of monetary polices.

• 디지털융복합연구
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• 제19권5호
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• pp.229-239
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• 2021

본 연구를 위하여 정부의 금융관련 부서의 발표자료와 각 금융기관 및 전자금융 관련 기관의 자료를 광범위하게 분석한 결과, 우리나라의 전자금융 환경에 있어 첫째) 비대면 금융의 확대, 둘째) 금융권의 원격근무, 셋째) 공인인증의 폐지, 넷째) 고도화되는 보이스피싱, 다섯째) 금융산업의 개방과 형태의 다양화, 여섯째) '지갑 없는 사회'의 도래 등의 실제적 변화가 나타나고 있다. 하지만 이상의 문제 외에도 예를 들어, 4차 산업혁명으로 촉발된 전 세계적 변화는 금융보안 분야에도 전파되어, 인공지능 기술/딥러닝 기술/사용자 분석 기술/딥페이크(deepfake) 기술 등과 같은 문제는 특히 대응하기 어려운 위험요소이다. 전자금융은 사회적으로 점점 그 비중이 확대되고 있는 만큼, 전자금융과 그 환경의 문제 및 그로 인한 범죄와 범죄 수사의 분야까지도 꾸준하게 연구되어야 마땅하다.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.823-832
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• 2021

In Vietnam, tax compliance has become an important goal in the tax reform strategy. In the context of technology 4.0, the application of the electronic tax system is of great significance to small- and medium-sized enterprises (SMEs). The paper explores factors influencing electronic tax compliance of SMEs in Vietnam. Data from 402 SMEs, who are business taxpayers, was selected through a researcher-designed questionnaire survey method. The results indicate that four groups of factors have significant effects on electronic tax compliance among Vietnamese SMEs. These groups include Taxpayer Awareness (TA), Perceived Ease of use (PTE), Vietnamese tax administration (VTA,) and Efficiency of Vietnamese tax policy (VTP). The factor analysis was adopted; Cronbach's alpha coefficients were calculated, exploratory factor analysis (EFA) was used. The findings found that among these four groups, the most influencing factor is taxpayer awareness. It is suggested that the Vietnamese government should pay attention to promote and support SMEs to raise full awareness of tax obligations. This could be done through various methods such as conducting workshops for updating tax policies and short courses to business taxpayers of electronic tax compliance. The study is expected to provide some important implications for policy-makers and practitioners in tax policy reform in Vietnam.

• 경영과정보연구
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• 제7권
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• pp.21-51
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• 2001

For increasing the competitiveness and efficiency of Korea's finance industry under the new e-finance paradigm, this paper compared the practical use of finance portal site' on service parts and stage between Korea and U.S.A.. The services which can be served from site are banking, mortgage and credit loan, stock, card, retirement tax, PFM(Personal Finance Management), EBPP(Electronic Bill Presentment and Payment) and Account Aggregation and so on. The stage of site can be divided as the information provide stage which only gives information about service parts, on-line transaction stage which real-time transaction is possibile and PFM services provide stage according to development process. As a result, the beginning of finance portal service in Korea was lated about 10years and more than it of U.S.A. So the development stage of domestic portal site is still staying in the first step and the providing services and contents or business model development parts are also in the same stage than U.S.A. Resides, Korea's sites mainly focus on their first service parts even though they recently aim internet finance portal, and provide not real time transaction but finance information. On the other hand, the U.S.A. site support substantially not only various on-line transactions but also distinctive personal services like PFM(Personal Finance Management), EBPP(Electronic Bill Presentment and Payment), Account Aggregation and Trans-account, brokerage, education center, mortgage loan, mutual fund, option, pension fund and IPOs and so on. Thus, the site of Korea need to establish real type of internet finance portal which provides one-stop services on every type of finance to customers in the real time and also require the strategic integration among finance institutions. The next turn, they need to build information system and education center to give best satisfaction to customers and acquire customer information and marker environment changes and need to provide distinctive services to quality customers throughout database from this. Also the site should provide various type of banking services which refereed above like PEM, EBPP and education center etc, and the government of Korea should support the building of IT infrastructure to Physical, legal, systematic, sociocultural, technical and human resource sections. This paper provided the future movement direction of the domestic finance portal through comparison and analysis on the practical use of it between Korea and U.S.A. and also wanted to contribute for developing and reading of Korea finance portal in the new era of the finance paradigm.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1275-1286
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• 2021

The purpose of this study is to employ the theory of consumption value and consumers' innovative personality characteristics to explain the adoption of new personal electronics devices in Vietnamese market. This study adapts a quantitative survey-based approach to test hypotheses about relationship between consumption value, product specific innovativeness and new product adoption. The study uses a quantitative data set of 915 consumers who owned one mobile electronic device at least in Ho Chi Minh city, one of the biggest cities of Vietnam. The data was collected through personal interview and convenient sampling method. The conceptual model was tested using PLS structural equation model. The findings of this study suggest that both consumption value and product specific innovativeness influence the adoption of new electronic products. The results also reveal that product specific innovativeness mediates the relationship between consumption value and new product adoption. The study further identified that consumption value was taken as a second-order multidimensions construct with five components, namely functional value, epistemic value, economic value, social value and emotional value. As a result, the research suggests some implications to enhance marketers' capabilities to develop strategies for launching new hi-tech products in an emerging market as Vietnam.

• 통상정보연구
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• 제4권2호
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• pp.253-277
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• 2002

현재 정보통신기술의 비약적인 발전은 물리적인 거래 패러다임을 전자방식으로 확대시키는 극적인 변화를 주도하고 있다. 주지하는 바와 같이, 금융서비스는 거래당사자간 대부분의 금융거래를 지원하고 있다. 그러므로 전자거래의 확대는 금융서비스를 제공하는 모든 금융기관들에도 영향을 미치고 있다. 이에 따라 모든 금융기관들은 정쟁에서 살아남기 위해 e-Finance 시스템을 도입하여 인터넷금융 서비스를 제공하고 있다. 본 연구의 목적은 이용자측면에서 인터넷을 이용한 e-Finance의 이용 실태와 확산요인을 분석함으로써 e-Finance 고객서비스의 질적인 향상과 신속한 확산 그리고 올바른 전략 수립에 기여하는 것이다. 본 연구는 기존문헌 검토와 요인 및 신뢰도 분석을 통해 e-Finance 자체에 대한 지각된 효율성과 지각된 신뢰 및 안전성, e-Finance 시스템에 대한 신뢰도, 기술적 요소, 고객서비스 품질 그리고 개인특성에 있어 혁신성향 등 6가지를 확산요인으로 채택한다. 로지스틱 회귀분석을 이용한 가설 검증 결과에 따르면, e-Finance시스템에 있어서 기술적 요소와 고객서비스 품질 그리고 개인 특성에 있어 혁신성향은 e-Finance의 확산여부에 각각 유의수준 0.05와 0.01%에서 통계적으로 정의 영향을 갖는 것으로 나타났다. 그렇지만 e-Finance 자체에 대한 지각된 효율성과 지각된 신뢰 및 안전성은 이의 확산여부에 별다른 영향을 미치지 않는 것으로 나타났다. 또한 e-Finance 시스템과 관련하여 시스템의 신뢰도는 통계적으로 이의 확산에 유의적이지 못하였다. 본 연구는 추후 이용자 측면에서 e-Finance 확산요인에 관해 실증적 연구를 하는데 기본적인 자료로서 이용될 수 있고, 이에 대한 기업이나 정부의 정책 수립 또는 구현과 금융기관의 고객서비스 품질정도 결정에 이용될 수 있다. 그러나 본 연구는 만족요인과 이의 e-Finance에 대한 영향을 다루지 못했다는 점과 국내 이용자만을 대상으로 했다는 점 그리고 다중희귀분석을 실시하지 못했다는 점 등 몇 가지 한계를 갖는다.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.295-304
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• 2019

The study aims to investigate the determinant factors in the organisation of a firm's innovative activities, and the impact of innovation capability on firm's performance of electronic firms in Ho Chi Minh city, Vietnam. How is the performance of electronic companies after delivering an innovation project? How will innovation capability affect firm's performance in electronic companies? This study aims to seek the answer of these questions. We employ a Structural Equation Model and the PLS technique in order to validate the theoretical model proposed in this study. With observation of 374 valid firms, based on Cronbach's Alpha analysis, EFA analysis, CFA analysis and SEM analysis, this study discovers 5 groups of factors including: (i) Institution factors; (ii) Attitude of leadership factors; (iii) Marketing factors; (iv) Technological resources factors; (v) Combination factors, which have direct impact on innovation capability of firms. There are 4 groups of factors that have positive impacts on financial performance of electronic firms, with descending order of importance as follows: (1) Attitude of leadership factors; (2) Quality of human resources factors; (3) Innovation capability; (4) Marketing activities factors. Research results are important implications for Government administrative agencies for business to consult and introduce effective support policies.

• 디지털산업정보학회논문지
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• 제12권3호
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• pp.111-123
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• 2016

Recently, mobile devices have been widely used. Therefore, the service users want that are not constrained by time and space. Among them, electronic payment services, mobile finance service is enjoying a tremendous popularity. The FinTech is the result of the fusion of finance and ICT(Information & Communication Technology). Security experts is pointed the FinTech security risk. New technology and Innovative FinTech services are even available, Insecure FinTech services is insignificant. In this paper we were surveyed market and product trends of FinTech and analyzed the threats about FinTech. Also, we analyzed the security considerations for FinTech using a questionnaire. As a result, users considers secure payment process and privacy. Therefore, we proposed security considerations for each vulnerability. So, we must be resolved of security technology and policy issues. If establishing a secure payment process and the unclear legal issue is resolved, FinTech service will provide a secure financial services to the user.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.419-426
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• 2022

The digital economy is becoming an increasingly important source of regional competitiveness enhancement. The purpose of this research is to examine the spatial distribution characteristics of China's digital economy from 2016 to 2019. Moran's I analysis was performed to see if China's digital economy has spatial self-correlation. The Getis-Ord General G test was used to determine the clustering type of China's digital economy. In addition, we used OLS and GWR methodologies to figure out what drives China's digital economy level. The findings show that the digital economy is rapidly expanding throughout China; yet, there is a significant regional imbalance in the digital economy level in China, and the agglomeration of the digital economy is increasing over time. Furthermore, the findings reveal that human capital, information staff, telegram income, and Internet access are vital factors in the development of the digital economy. To close the digital economy gap, policymakers must invest in human capital and technology innovation. Simultaneously, the government must speed up the development and implementation of electronic information services.