Earticle

Cybersecurity compliance remains a major challenge because employees’ daily decisions often determine whether security policies are effectively implemented. While organizations rely on technical safeguards, mandatory procedures, and awareness training, these approaches may increase cognitive burden and security fatigue, leading users to delay, ignore, or bypass recommended security practices. This conceptual paper proposes a behavioral nudging framework for cybersecurity compliance. Drawing on behavioral decision theory and the socio-technical perspective of information systems, it focuses on three psychological mechanisms: cognitive ease, digital trust, and security fatigue. The framework suggests that nudges such as visual framing, social proof, and secure default settings may enhance compliance by increasing cognitive ease and digital trust. However, security fatigue may weaken these effects by reducing users’ motivation to engage with security recommendations.

디지털 기술의 발전이 소통 구조와 정보 시스템을 지속적으로 변화시키면서, 디지털 진정성은 학문과 사회 전반에서 중요한 이슈로 부상하고 있다. 본 연구는 디지털 진정성에 대한 국내외 학술 연 구 동향, 온라인 웹 분석, 국민 인식 조사 설문을 통합 분석하였다. 분석 결과, 디지털 진정성 연구는 문화와 기술적 영역에서 폭넓게 이루어지고 있었으며, 웹 분석에서는 진정성 상실에 대한 불안과 신 뢰 회복에 대한 요구가 동시에 나타났다. 국민 인식 조사에서는 개념 인지도는 낮지만, 사회적 중요성 에 대한 공감대는 높았으며, 허위정보 규제와 신뢰 보증 장치에 대한 정책적 수요가 확인되었다. 본 연구는 디지털 진정성 확보를 위한 기술적·제도적·교육적 대응의 필요성을 제시하고, 디지털 사회의 신뢰 기반 형성을 위한 학제적 연구와 정책 설계의 방향성을 제안한다.

As digital technologies continue to reshape communication and information systems, digital authenticity has become an important issue. This study integrates academic research trends, web analyses, and a national perception survey, showing that digital authenticity is discussed across cultural and technological fields. Social media users express both anxiety over losing authenticity and a desire to restore trust. Although public awareness of the concept is low, people recognize its social importance and support policies such as misinformation regulation and trustassurance mechanisms. The study highlights the need for technical, institutional, and educational measures to strengthen digital authenticity and guide policy and interdisciplinary research for a more trustworthy digital society.

Influencers have established a notable online presence and have significantly influenced their audience on various social media platforms. They often collaborate with brands to promote their products through social media. Monetary and non-monetary compensation are crucial in these collaborations, affecting influencers' job satisfaction. Studies show that influencers' job satisfaction increases when they are satisfied with the brand's compensation process, which improves their performance and brand trust. There is a significant relationship between job satisfaction and brand trust, which is moderated by the empathy of influencers. When influencers’ empathy is high, brand trust rises; conversely, lower empathy lessens brand trust. This research, focusing on Bangladesh, is significant as it provides insights into the unique influencer-brand dynamics, which can differ from other countries due to cultural, economic, and social factors. Brands and influencers can benefit from the findings, which also address the study's limitations and suggest directions for future research.

As the idols winning at music shows or survival variety programs becomes a hot topic among the fans who love Korean pop (K-pop) cultures, viewers/ fans over the world pay their interest on voting, leading to the demand for Online Voting System (OVS) services. Thus, this study will attempt to verify the impacts of OVS traits on trust and intention to use Internet Voting by users. This study will examine questionnaires obtained from the online voters using Mnet Plus platform. Results are expected to find that the traits of Online Voting System had a positive effect on trust that have a positive effect on intention to use internet voting. Moreover, positive intention of word-of-mouth is expected to moderate the relationship between trust and intention to use Internet Voting. The findings will provide valuable information for OVS service providers in understanding users’ behaviors.

이 연구는 기록관리 영역에서 공공 전자기록의 증거능력을 근거할신뢰가치 모델(안)을 개발할 것을 목표로 하였다. 이 연구가 목표로 하는 ‘공공 전자기록의 신뢰가치 모델(안)’은 전자기록의 생산과 함께 확보되어야 하는 속성에서부터, 연속적인 기록관리과정에서 확인될 무결성, 기록 생산 업무 활동과의 관계에 관한 증거, 생산 시 의도된 대로얼마나 전자기록을 재현하고 이해할 수 있도록 하는가의 정도 등을 확인할 수 있도록 설계된 모델이다. 이를 위한 모델 개발과정에는, QADEP 신뢰가치 측정 모델을 기초로 활용하였다. QADEP 모델 분석 결과, 진본성과 신뢰성 및 이용가능성의 외적 측정영역 유형의 범주에서 공공전자기록의 신뢰가치를 측정할 수 있는 영역과 지표 및 측정기준을 설계할 것을 결정하였다. 이 방향에 맞추어, ISO 16175-1:2020의 분석을통해 기초 모델의 측정영역과 지표를 확장 및 구체화하였으며, 공공표준을 샘플로 분석하여 도구화할 수 있도록 측정 체계도 제안하였다. 이 연구는 선행 연구성과에 토대를 두어, 전자기록의 신뢰가치 확립을위해 갖춰야 할 증거능력 확보에 적용할 수 있는 도구 개발의 가능성을 확인하였다는 의의를 지닌다.

인터넷의 광범위한 사용으로 저작권 문제가 대두되고 있다. 본 논문에서는 DRM (디지털 저작권 관리) 기술들과 관련된 주요 이슈들을 기술한다. 현재 시도되고 있는 여러 가지 DRM 아키텍쳐들을 먼저 살펴보고 이를 바탕으로 DRM에 적합한 보안 모델 및 아키텍쳐를 설계하는데 필수적인 보안 이슈들을 논한다. 여기서 도출된 이슈들을 고려하여, 트러스트 모델에 기반한 새로운 DRM 보안 아키텍쳐를 제안한다.

The widespread use of the Internet brings about the issue regarding intellectual property and copyright. This paper describes DRM (Digital Rights Management) technologies and their related issues. Current approaches on DRM architecture are examined first. Based on the review, we discuss some security issues that would be essential to design security mood and architecture appropriate for DRM. Having these security issues in mind, we propose a new approach on DRM security architecture, based on our trust model.

이 연구의 목적은 소셜미디어를 통한 디지털 헬스케어 정보특성과 신뢰, 관계지속의도의 관계를 규명하는 것이다. 서울․경기도 지역에 거주하는 생활체육 동호회 회원을 대상으로 온라인 설문조사를 실시하여 323부의 설문지를 최종 연구 자료로 사용하였다. 자료처리는 빈도분석과 신뢰도 분석, 상관분석을 위하여 SPSS 21.0 프로그램을 이용하였으며, 확인적 요인분석과 구조방정식 모형검증을 위하여 AMOS 21.0 프로그램을 이용하였다. 이후 제시된 연구의 결과를 바탕 으로 도출된 결론을 요약하면 다음과 같다. 첫째, 소셜미디어를 통한 디지털 헬스케어 정보특성은 신뢰에 전반적으로 유의한 영향을 미치는 것을 확인할 수 있었다. 둘째, 소셜미디어를 통한 디지털 헬스케어 정보특성은 관계지속의도에 전반적으로 유의한 영향을 미치는 것을 확인할 수 있었다. 셋째, 신뢰는 관계지속의도에 유의한 영향을 미치는 것을 확인 할 수 있었다.

The purpose of this study is to investigate the relationship among digital healthcare information characteristics, trust and relationship persistence intention through social media. An online survey was conducted for members of the sports club in Seoul and Gyeonggido, and 323 questionnaires were used as final research data. Based on this, frequency analysis, reliability analysis, and correlation analysis were conducted with SPSS 21.0 program, and confirmatory factor analysis was carried out with AMOS 21.0 program in order to verify the construct validity. Then, the goodness of fit of the model was verified through covariance structural analysis, and based on which, the following conclusions have been drawn. First, It was confirmed that the digital healthcare information characteristics through social media had a significant effect on trust overall. Second, It was confirmed that the digital healthcare information characteristics through social media had a significant effect on relationship persistence intention overall. Third, trust had a significant effect on relationship persistence intention.

4차 산업혁명기술과 AI(Artificial Intelligence) 등 기술변화와 함께 고객이 요구하는 자산관리서비스의 수준은 더욱 다양화해지고 세분화, 개인화되어 가고 있다. 경제 규모 및 자산가치의 확대와 고객이 보유하는 자산의 다양성은 더욱 새로운 자산관 리 서비스의 개발을 요구하고 있다. 특정 분야의 단순 자문서비스나 표준화된 상품 수준을 넘어 고객의 특성에 기반한 맞춤형 서비스 수요가 늘어나고 있다. 자산 포 트폴리오 설계부터 운용 ․ 관리 그리고 자산승계에 이르기까지 고객의 상황을 고려 한 통합적인 서비스가 필요해진 것이다. 본 연구는 디지털경제시대 자산관리 패러다임에 부응하는 신개념 자산관리서비스 의 개발을 위하여 신탁제도의 활용가능성을 살펴보고 이의 적용과 활성화를 위한 신탁서비스 모델을 제안하고자 한다. 이를 위하여 개인과 가정의 라이프사이클에 맞는 신탁의 활용사례인 하나리빙트러스트를 중심으로 서비스의 세분화와 품질제 고 및 확산 방향 등을 논하고자 한다. 신탁은 일본이나 미국 등에서도 종합적인 자산관리와 승계를 위한 플랫폼으로 자리 잡고 있다. 신탁의 활용을 제고하기 위해서는 다양한 분야에서의 제도 개선이 요구된다. 첫째는 수요자의 인식전환을 위한 환경변화가 필요하다. 신탁을 통해 복지적 수요 를 충족하는 사례나 생활 속 사례들이 자유스럽게 노출되고 쉽게 접근할 수 있는 환경이 조성되어야 한다. 둘째는 현재 신탁공급자로서 금융기관 외에도 전문성 있 는 참여자의 확대를 통해 좀더 신탁을 활용할 수 있어야 한다. 또한 기존 금융기관 에서도 신뢰를 기반으로 전문성을 높이고 다양한 상품과 서비스를 준비해야 한다. 셋째, 경제규모 확대에 따라 다양한 재산을 신탁가능 재산으로 확대하고 치매 등 노후자금관리를 위한 세제적 혜택도 고려할 시기라 생각한다. 신탁은 소유권이 이 전에 따른 타 법규 및 기관들과의 밀접한 협업이 필요한데 종합적인 자산관리 플랫 폼이라는 인식전환과 함께 좀더 적극적인 해석과 적용을 기대해본다. 신탁제도는 재산을 관리하고 상속해주는 데 그치지 않고 이해관계인들의 갈등을 조정하는 하나의 사회시스템으로의 역할도 더욱 넓어질 것이다.

With technology advancing rapidly as evidenced in the 4th industrial revolution technology and Artificial Intelligence(AI), customers expect more diversified, segmented and personalized asset management services. The expansion of economic scale and asset value and the diversity of assets owned by customers require the development of new asset management services. Beyond simple advisory services in specific fields or standardized product levels, the demand for customized services based on customer characteristics is increasing. Ranging from portfolio design and management to asset succession, an integrated service that considers the customer's situation is needed. This study examines how to utilize a trust system for the development of a new-concept asset management service that meets the asset management paradigm in the digital economy era, and proposes a trust service model for its application and activation. To this end, I would like to discuss the segmentation of services, improvement of quality, and the direction of expansion, centered around the Hana Living Trust Services, which is an example of trust application that is suitable for the life cycle of individuals and families. Trusts are positioned as a platform for comprehensive asset management and succession in Japan and the United States. In order to enhance the use of trusts, institutional improvements in various fields are required. First, it is necessary to change the environment to change the perception of consumers. An environment should be created in which cases that meet welfare needs through trusts or cases in daily life can be freely exposed and easily accessed. Second, besides financial companies that currently play the role of a trust service provider, many more professional institutions need to participate in the utilization of trust service. In addition, existing financial companies should reinforce their expertise based on trust and come up with various products and services. Third, with assets becoming diversified in line with the expansion of the economy, I think it is time to embrace them as trust assets and consider tax benefits for the management of funds after retirement such as trust funds covering dementia. Trusts require close collaboration with other laws and institutions in regard to the transfer of ownership, so we expect a more active interpretation and application along with a change of perception as a comprehensive asset management platform. The trust system will not only help to manage and inherit property, but will also expand its role as a social system that mediates conflicts between interested parties.

3D 모델링 기술과 대화 인공지능 알고리즘의 발달로 인해 다양한 분야에서 디지털 휴먼이 활용되고 있고, 신 한 은행, 농협 은행 등 주요 은행을 중심으로 은행에서도 가상 은행원이 등장하기 시작했다. 그러나 디지털 휴먼과 관련된 연구는 주로 외형 위주이며, 로봇 의인화 과정에서 고려되어야 하는 퍼소나 설정에 대한 연구는 미비하다. 본 연구에서는 은행 업무라는 구체적인 맥락에서 발화 전략의 의인화 수준과 개인정보 활용 수준이 다른 3가지 시나리 오(학생증 수령, 입출금 통장 개설, 전세 자금 대출 상담)에 대한 사용자 경험을 알아보기 위해 실험을 진행하였다. 연구 결과, 사회적 실재감과 유용성은 시나리오와 의인화 수준에 대해 상호작용 효과가 있었다. 친밀감, 신뢰도, 인지 된 지능에는 상호작용 효과가 없었지만 경향성을 확인 할 수 있었다.

As the 3D modeling technology and conversational algorithm is developed, digital humans are being used in various fields, and also virtual bankers have begun to appear in banks, including major banks such as Shin-Han Bank and Nong-Hyup Bank. However, most of the research of digital human mainly focus on its appearance, and research on robot persona that should be considered in anthropomorphizing a robot is insufficient. In this study, an experiment was conducted to find out the user experience of three scenarios (student ID receipt, deposit and withdrawal account opening, leasehold loan consultation) in which the level of anthropomorphism of the speech strategy and the level of personal information use differed in the specific context of banking. As a result of the study, social presence and usefulness had an interactive effect on the scenario and the level of anthropomorphism. There was no interaction effect on intimacy, trustworthiness, and perceived intelligence, but a tendency could be confirmed.

본 논문에서 제안하는 DIT(Digital Investment Trust) 시스템의 보안설계는 계좌 생성 및 계좌 이체, 자산관리에 관련된 정보를 제 3자로부터 보호하기 위해 ADES(Advanced DES)를 이용하여 고객의 정보를 암호화시켰으며, 전자서명을 위해 ECC, S_SHA 알고리즘을 사용하였다. 특히 전자상거래 결재 상에서 사용하는 전자 화폐는 복사본 생성이 용이하기 때문에 악의의 사용자가 불법 복제하여 전자화폐를 반복적으로 사용할 수 있으므로, 이중사용을 방지하기 위한 사전 검출 방법인 Schnorr 알고리즘을 사용하였다.

본 논문에서 제안하는 DIT(Digital Investment Trust) 시스템은 전자상거래 결재 방법으로 이용되는 디지털 캐쉬 시스템을 확장한 개념으로서, 소액지불뿐만 아니라, 계좌 생성 및 계좌 이체를 할 수 있으며, 투자 신탁의 개념을 도입한 인터넷 기반의 은행업무 프로젝트이다. DIT 시스템에선 계좌 생성과 계좌 이체에 암호화 알고리즘인 ADES를 이용하여 고객의 정보를 암호화시켰으며, RSA 알고리즘을 이용하여 전자서명을 하여 고객의 정보와 자산을 제 3자로부터 보호하였다.

The rapid integration of artificial intelligence (AI) into digital marketing has heightened scholarly and practical interest in the determinants of effective AI personalization, particularly in emerging markets where infrastructural constraints, consumer skepticism, and weak data protection frameworks persist. This study investigates the influence of digital trust and consumer experience quality (CEQ) on AI personalization in Tanzania, with CEQ assessed as amediating mechanism. Guided by the Technology Acceptance Model (TAM), a quantitative, cross-sectional design was employed to survey 400 digital platform users in Tanzania. Data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings revealed that digital trust significantly predicts both consumer experience quality (β=0.62, p<0.001) and AI personalization (β=0.35, p<0.001), while CEQ strongly influences AI personalization (β=0.41, p<0.001). Mediation analysis confirmed that CEQ partially mediates the relationship between digital trust and AI personalization (β=0.25, 95% CI [0.14, 0.38], p<0.001). These results highlight the primacy of digital trust as a foundation for AI personalization effectiveness and underscore consumer experience quality as a key pathway linking trust to AI personalization outcomes. Theoretically, the study extends TAM by incorporating trust as a critical antecedent in AI-enabled digital contexts within emerging markets. Practically, it emphasizes the need for organizations to strengthen trust-building mechanisms and invest in seamless user experiences to unlock the full potential of AI personalization. Moreover, failure to address trust and experience quality challenges risks limiting digital transformation in emerging markets and undermining broader development agendas, including the Sustainable Development Goals (SDGs) on inclusive growth, innovation and infrastructure, and reduced inequalities. The study offers key contributions across policy, theory, practice, and future research.

최근 온라인, 모바일, SNS플랫폼 등 디지털 기기를 이용한 상거래에 있어 사회간접자본으로서 온라인 거래의 신뢰와 기업 차원에서 기업 신뢰가 무엇보다 중요하다. 이에 본 연구에서는 한국소비자원의 소비자 정책지표의 데이터를 이용하여 디지털 소비여건 신뢰와 기업의 책임 신뢰가 정보통신 제품과 서비스의 만족도에 미치는 영향을 파악하였다. 분석 결과, 디지털 소비여건 신뢰와 기업의 책임 신뢰가 정보통신기기 만족도와 정보통신 서비스 만족도에 긍정적인 영향을 주는 것으로 나타났다. 또한 디지털 소비여건 신뢰보다 기업의 책임 신뢰가 정보통신기기 만족도와 정보통신 서비스 만족도에 더 큰 영향을 미치는 것으로 나타났다. 이러한 연구결과에 대한 이론적, 실무적 시사점과 향후 연구를 위한 제언 등을 제시하였다.

Recently, trust in online transactions and corporate trust are most important at the corporate level as social overhead capital in commercial transactions using digital devices such as online, mobile, and SNS platforms. Therefore, this study used data from the Korea Consumer Agency's consumer policy indicators to identify the impact of digital consumption trust and corporate responsibility trust on the satisfaction of information and communication products and services. According to the analysis, trust in digital consumption conditions and responsibility of companies have a positive impact on satisfaction of information and communication devices and satisfaction of information and communication services. In addition, it was found that trust in corporate responsibility has a greater impact on satisfaction of information and communication devices and satisfaction of information and communication services than trust in digital consumption conditions. Theoretical and practical implications for these findings and suggestions for future research were presented.

본 논문에서 제안하는 DIT(Digital Investment Trust) 에이전트는 전자상거래에 투자 신탁의 개념을 도입한 인터넷 기반의 은행업무 프로젝트로서, 소액지불뿐만 아니라, 계좌 생성 및 계좌 이체를 할 수 있으며, 또한 여기서 사용되는 인터넷 보안 프로토콜로는 기존의 SSL(Secure Socket Layer)보다 보안 기능을 강화한 ECSSL(Elliptic Curve SSL)이라는 프로토콜을 구축하여, 이를 기반으로 개발한 DIT 에이전트를 이용하여 고객의 정보와 자산을 제 3자로부터 보호하고자 한다.

This paper proposes DIT (Digital Investment Trust) agent based on ECSSL (Elliptic Curve SSL). This DIT agent is a banking project using IT (Investment Trust) conception based on EC (Electronic Commerce) and can manage micro payment, account opening and account transferring. In addition, ECSSL (Elliptic Curve SSL) protocol is implemented which consists of much better encryption functions than existing SSL (Secure Socket Layer) Protocol. Therefore, This DIT agent based on ECSSL protocol protects a customer's information and asset from third party.

Digital entrepreneurs in Malaysia’s health supplement industry increasingly influence how online audiences evaluate trust, credibility, and product legitimacy. However, existing research on influencer communication largely focuses on audience behavior while giving less attention to how entrepreneurs themselves experience public scrutiny, platform pressure, and credibility management. This study explores the lived experiences of Malaysian entrepreneur-influencers operating within the health supplement sector using an interpretive phenomenological analysis approach. Twelve in-depth interviews were conducted with entrepreneurs and communication managers from five supplement companies in Malaysia. The findings show that digital communication within this industry extends beyond promotional activity and involves continuous efforts to maintain public trust, emotional visibility, and reputational legitimacy. Participants described balancing personal authenticity with professional responsibility while adapting to audience expectations, platform changes, and regulatory concerns. Many also experienced emotional fatigue, self-monitoring, and anxiety associated with maintaining online credibility in highly visible digital spaces. The findings offer additional insights into uses and gratifications theory by showing how entrepreneurs actively design communication to reduce audience uncertainty and strengthen trust. The findings also suggest that credibility is continuously negotiated through interaction, visibility, and public response rather than controlled through branding alone. More broadly, the study highlights the growing role of entrepreneur-influencers as credibility actors within Malaysia’s evolving digital public sphere.

Several studies have shown that the trust is a significant barrier for realizing the potential of e-commerce. Trust is not only a short-term issue but also the most significant long-term barrier for realizing the potentials of e-commerce. Because digital contents which have been used in e-commerce are easy to be duplicated, the enforcement of digital copyright protection is an important issue. Watermarking is a technique for labeling digital pictures by hiding secret information in the image. In this paper, a discrete wavelet transform(DWT) based technique for embedding digital watermark into image is proposed. The performance of the proposed watermarking is robust to a variety of signal distortions, such as JPEG and image processing operations.

Purpose Technological change has provided individual consumers with increased possibilities in participating in digital trade while the lack of consumer trust and confidence in digital trade prevents consumers from enjoying all the benefits of e-commerce. In this regard, it is necessary to search for means to protect the individual rights of consumers participating in digital trade with a sound assessment of digital trade agreements in terms of consumer trust. Design/Methodology/Approach Focusing particularly on the issue of consumer trust-building, this paper first discusses major consumer concerns for digital trade and specifies issues that embrace consumer trust-building within multilateral and regional trade agreements. It then conducts a comparative analysis of articles related to consumer trust in six major digital trade agreements and derives its policy implications. Findings In participating in digital trade, consumers have both general and stage-specific concerns. With slow progress at the WTO on e-commerce, articles related to digital trade are increasingly featuring in regional trade agreements (RTAs), including nine issues directly related to consumer trust: online consumer protection; personal information protection, unsolicited commercial electronic messages which means spam messages, domestic regulatory framework, transparency, cybersecurity, access to and use of the internet for electronic commerce. Research Implications By reviewing the six major digital trade agreements on nine issue areas of consumer trust, it is first found that all the agreements certainly share the significance of building consumer trust to facilitate digital trade. Second, the consensus of signatory countries on the five issues, such as online consumer protection, personal information protection, unsolicited commercial electronic messages, domestic regulatory framework, and cybersecurity, seems relatively easy to make since articles in those issues in six agreements are similar in their length and quality. To strengthen consumer trust internationally, in the form of multilateral or regional trade agreements, both e-commerce and competition chapters should cover the rules for digital trade. Domestically, it is necessary to find a way to regulate digital trade not only with domestic consumer law but also with the Monopoly Regulation and Fair Trade Act.

This study examines royalty opacity, institutional trust, and stablecoin-based royalty settlement in the Korean digital music economy. Drawing on platform labor theory, organizational justice theory, and technology acceptance perspectives, it analyzes how active music creators perceive current royalty settlement systems and under what conditions they would consider adopting a stablecoin-based settlement model. The study uses an exploratory mixed-methods design consisting of an online survey of 42music creators in Korea and two supplementary semi-structured interviews. The findings suggest that respondents had limited confidence in the transparency and fairness of current settlement practices: only 14.3%agreed that the current systemis transparent, and 19.0%agreed that it is fair. Payment delay was also salient, with 47.6% agreeing that settlement is too slow and 45.2% reporting that delay negatively affects music activity planning. Stablecoin-based settlement was viewed as potentially useful for faster payment, cross-border transfer, and auditable payment records. However, adoption intention was conditional on low fees, legal and tax clarity, platform credibility, value stability, automatic currency conversion, and user-friendly wallet infrastructure. The study contributes to cultural industry and digitalmusic platformresearch by showing that payment innovationmust address not only speed but also procedural justice and institutional trust. The findings also suggest that stablecoin-based settlement may improve payment infrastructure, but it should be accompanied by reliable royalty governance mechanisms, including accurate metadata, rights-holder identification, revenue-share calculation, and platform accountability.