• 디지털융복합연구
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• 제19권11호
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• pp.167-180
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• 2021

본 연구는 마이데이터 개념 태동에 따라, 기존과 상이한 양상을 보이는 마이데이터 비즈니스 생태계의 프레임워크와 해당 생태계에 참여하는 행위자의 특징을 정의하는 것을 목적으로 한다. 마이데이터는 개인이 자신의 데이터의 주권을 행사하는 것이기에, 개인이 비즈니스의 핵심 행위자로 참여한다는 특성이 존재한다. 마이데이터 소유자인 개인, 마이데이터 생성자 및 활용 서비스 제공자와 더불어 개인의 데이터 관리를 지원하는 마이데이터 오퍼레이터가 비즈니스 생태계에 참여한다. 이에, 마이데이터 산업 생태계는 기존의 디지털 비즈니스 생태계와 상이하다. 그러나, 이러한 차별적인 특성에도 불구하고, 그간 마이데이터 생태계를 세밀히 분석한 연구들은 아직 진행되지 못하고 있다. 이에, 본 연구는 국내 마이데이터 산업 활성화를 위하여 국내·외 마이데이터 비즈니스의 사례연구를 수행하여, 마이데이터 비즈니스 생태계 모델을 제안하고자 한다. 이를 위하여, 45개의 해외 마이데이터 오퍼레이터 사례의 비즈니스 모델을 분석하여 4개 그룹 7개 유형으로 분류하였으며, 마이데이터 산업 생태계에서 마이데이터 오퍼레이터 역할의 중요성을 확인하고 발전적 생태계 모델을 제안하였다.

• 한국정보시스템학회지:정보시스템연구
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• 제32권1호
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• pp.1-21
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• 2023

Purpose The purpose of this study is to investigate the intention of early application users in consideration of the characteristics of digital finance-based MyData service users. It is expected that user characteristics will affect the intention to use MyData service, which has not yet been advanced, and accordingly, it will examine how the characteristics of the initial users of MyData service and the intention to use it are connected. Design/methodology/approach The model used in this study is a value-based adoption model (VAM), and a lot of research has been conducted on information technology and online user acceptance and continuous use intention of online users. VAM has been proven useful through empirical analysis in many studies. The value-based acceptance model is a method of analyzing the intention to use Benefits and Sacrifices as the main elements of perceived value. It can be said to be a model that can analyze the benefits of use and the sacrifices to be made. Findings According to the analysis results of this study, it was found that usefulness, enjoyment, and reliability, which are the benefits of MyData service apps, had a positive effect on perceived value, which is partially consistent with existing research results. However, it was found that complexity, which is the sacrifice of MyData service apps, negatively affects perceived value and security has no negative impact. The results of security are considered to be complementary to financial institutions because MyData service deals with financial data based on personal information, and the research hypothesis is rejected because users' demands are relatively low. Therefore, MyData service apps should do more to increase benefits (usefulness, enjoyment, and reliability) than to reduce sacrifice (complexity) to users.

• 지식경영연구
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• 제24권1호
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• pp.73-97
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• 2023

최근 데이터의 중요성과 개인정보보호에 관련된 이슈가 함께 주목받으면서, 마이데이터 시장이 성장하고 있다. 마이데이터는 본인 정보에 대한 개인의 권리를 보장하고, 개인의 동의에 따라 자신의 데이터를 제공 및 활용하는 개념을 의미한다. 마이데이터 사업자는 고객정보를 결합, 분석하여 개인 맞춤 서비스를 제공할 수 있다. 초기 마이데이터 사업은 민간기업, 금융산업을 중심으로 활성화되었지만, 최근에는 공공기관도 마이데이터 활용에 적극적으로 나서고 있다. 한편, 마이데이터 사업의 성공을 위한 개인의 마이데이터 제공의도 중요성은 지속적으로 증가하고 있지만, 이와 관련된 연구는 부족한 상황이다. 더욱이, 기존 연구는 마이데이터의 개인혜택 측면에서 주로 이루어졌으나, 공공혜택 및 지각된 위험 측면 요인이 모두 함께 고려된 연구는 충분하지 않다. 이에, 본 연구는 마이데이터 제공의도에 영향을 주는 요인을 프라이버시 계산모형을 통해 도출한 후, 그 영향 메커니즘을 살펴봄과 동시에, 개인역량과 수집기관 유형에 따른 조절효과를 추가로 검증해 보고자 한다. 본 연구는 마이데이터 제공의도 맥락에서 프라이버시 계산모형을 실증했다는 점에서 학술적 의의를 찾을 수 있으며, 본 연구의 결과를 통해 민간 및 공공기관이 마이데이터 사업을 진행하는 데 있어 새로운 서비스 개발 및 관리를 위한 실무적인 지침을 제공해 줄 수 있을 것으로 기대한다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제16권2호
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• pp.587-608
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• 2022

The European Union recently established the General Data Protection Regulation (GDPR) for secure data use and personal information protection. Inspired by this, South Korea revised their Personal Information Protection Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, and the Credit Information Use and Protection Act, collectively known as the "Three Data Bills," which prescribe safe personal information use based on pseudonymous data processing. Based on these bills, the personal data store (PDS) has received attention because it utilizes the MyData service, which actively manages and controls personal information based on the approval of individuals, and it practically ensures their rights to informational self-determination. Various types of PDS models have been developed by several countries (e.g., the US, Europe, and Japan) and global platform firms. The South Korean government has now initiated MyData service projects for personal information use in the financial field, focusing on personal credit information management. There is also a need to verify the efficacy of this service in diverse fields (e.g., medical). However, despite the increased attention, existing MyData models and frameworks do not satisfy security requirements of ensured traceability, transparency, and distributed authentication for personal information use. This study analyzes primary PDS models and compares them to an internationally standardized framework for personal information security with guidelines on MyData so that a proper PDS model can be proposed for South Korea.

• 한국IT서비스학회지
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• 제21권1호
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• pp.1-19
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• 2022

With the revision of the Credit Information Use and Protection Act in August 2020, the MyData service based on open banking policy will take effect in January 2022. Nonetheless, the previous studies focused on the legal system or security-related issues of such service. Therefore, this paper conducted an empirical study on financial consumers aged 20 or older nationwide to analyze the factors which influence the intention to use MyData services based on open banking. Five characteristics representing open banking-based MyData service were derived through prior research, and a research model that combined value-based adoption model and privacy calculus theory was presented. The proposed research model and the relationship of its variables was analyzed using a sample of 400 users that is randomly selected. The results of empirical analysis showed that personalization had the greatest influence on benefits and reliability on sacrifice among service characteristics. They also suggested that MyData operators should devote themselves to providing customized services optimized for customers and establishing trust relationships. It was confirmed that both usefulness and enjoyment had a great influence on perceived value, and in terms of sacrifice, the burden of financial costs had a greater influence than privacy concerns. This study is meaningful in that it explored the psychological propensity of financial consumers to identify service utilization factors and presented a new approach that can contribute to the successful settlement of the domestic MyData industry.

• 한국정보전자통신기술학회논문지
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• 제13권3호
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• pp.250-261
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• 2020

개인정보를 포함한 다양한 데이터를 활용하기 위해서는 정보주체의 권리를 보장하며 데이터 활용을 할 수 있는 모델이 필요하다. 정보주체를 고려하는 개인정보 활용 패러다임의 변화는 마이데이터를 기반으로 하는 다양한 데이터 활용 모델을 만들어내고 있으며, 다양한 개인정보가 생겨나고 다뤄지는 의료분야에서도 이러한 움직임이 진행되고 있다. 이번 논문에서는 마이데이터 기반 개인 건강/의료 데이터 활용 생태계가 확산되었을 때, 생겨날 수 있는 이해관계자들 간의 데이터 거래모델을 제안하였고 다양한 실험 결과를 기반으로 한 수학적 모델링을 통해 정보주체와 데이터 활용자 모두의 요구사항을 만족할 수 있는 개인 건강/의료 데이터 거래모델이 성립할 수 있음을 보였다.

• 한국IT서비스학회지
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• 제22권1호
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• pp.29-42
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• 2023

Amid the global movement to harness individual data and boost the data economy, MyData services that utilize personal data are being implemented in earnest in the financial sector in Korea due to the government's active encouragement policy. To this end, MyData service providers must have a service system for business operators that collects and efficiently loads personal information scattered in various financial institutions with individual consent, and comprehensively analyzes and provides it. The system must not only have strict security management capabilities, but also be built in a flexible form that takes into account future data scalability and additional services. In this paper, it has been proposed to be implemented the essential functions that MyData service system must have and the core functions that can manage the entire data life cycle from data collection, distribution to disposal in the form of a platform. In addition, the strengths of the platform structure were reviewed, and the effectiveness of the platform model was examined upon application.

• 디지털산업정보학회논문지
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• 제18권1호
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• pp.37-45
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• 2022

With the development of the 4th industry, big data using AI is being used in many areas of our lives, and the importance of data is increasing accordingly. In particular, as various services using personal information appear and hacking attacks that exploit them appear in various ways, the importance of personal information management is increasing. Personal information must be managed safely even when collecting, retaining, using, providing, and destroying personal information, and the rights of information subjects must be protected. In this paper, an analysis was performed on the notification of usage history during the protection of the rights of information subjects using the MyData model. According to the Personal Information Protection Act, users must be periodically notified of the use of personal information, so we notify each individual of the use of personal information through e-mail or SNS once a year. It is difficult to understand and manage which company use my personal information. Therefore, in this paper, a personal information usage history notification system model was proposed, and as a result of performance analysis, it is possible to provide the controllability, availability, integrity, source authentication, and personal information self-determination rights.

• Asian-Australasian Journal of Animal Sciences
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• 제33권3호
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• pp.408-415
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• 2020

Objective: The aim of the paper was to compare the fit of data derived from daily automatic milking systems (AMS) and monthly test-day records with the use of lactation curves; data was analysed separately for primiparas and multiparas. Methods: The study was carried out on three Polish Holstein-Friesians (PHF) dairy herds. The farms were equipped with an automatic milking system which provided information on milking performance throughout lactation. Once a month cows were also subjected to test-day milkings (method A4). Most studies described in the literature are based on test-day data; therefore, we aimed to compare models based on both test-day and AMS data to determine which mathematical model (Wood or Wilmink) would be the better fit. Results: Results show that lactation curves constructed from data derived from the AMS were better adjusted to the actual milk yield (MY) data regardless of the lactation number and model. Also, we found that the Wilmink model may be a better fit for modelling the lactation curve of PHF cows milked by an AMS as it had the lowest values of Akaike information criterion, Bayesian information criterion, mean square error, the highest coefficient of determination values, and was more accurate in estimating MY than the Wood model. Although both models underestimated peak MY, mean, and total MY, the Wilmink model was closer to the real values. Conclusion: Models of lactation curves may have an economic impact and may be helpful in terms of herd management and decision-making as they assist in forecasting MY at any moment of lactation. Also, data obtained from modelling can help with monitoring milk performance of each cow, diet planning, as well as monitoring the health of the cow.

• 정보관리학회지
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• 제19권2호
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• pp.131-158
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• 2002

본 연구의 목적은 이용자 연구와 국내외 기존 시스템의 기능을 분석한 자료를 기반으로 하여 맞춤정보서비스를 제공하는 MyCyberLibrary의 모형을 설계한 후 이를 평가하여 좀 더 효율적인 정보서비스를 제공하기 위한 기초 자료를 제공하는 것이다. MyCyberLibrary 모형은 최신정보제공서비스, 전자저널/e-book 관리, 데이터베이스 관리. 컬렉션 관리, 프로젝트 관리, 전자지정자료 관리, 도서관 정보서비스 관리, 파일통합 관리, 저작권 관리의 총 9개 서브시스템들로 구성된다. 또한 모형의 효율성을 측정하기 위해서 프로토타입 시스템을 구성하여 40명의 이용자를 대상으로 시스템의 만족도를 조사하고 시스템의 기능을 향상시키기 위한 세 가지 방안을 제안하였다.