Modern Social Science Research

As the development of data finance business and the acceleration of globalization progress, the applications of data finance under different cultural backgrounds are increasingly attracting attention. This study selects representative China and South Korea as the subjects for cross-national comparative analysis, aiming to reveal the impact of cultural differences between China and South Korea on the application of data finance. Using cross-cultural theory as an analytical framework, and combining data mining and text analysis techniques, the study collects and analyzes cases of data finance products and services from financial institutions in both countries. Through empirical surveys, the research depicts the similarities and differences between the two countries in aspects such as personal information protection, the extent of data mining technology usage, and the innovation and risk preferences of financial products, and it interprets these differences in light of each country's cultural characteristics. The results show that South Korea implements stricter policies on personal information protection, while China exhibits greater openness and flexibility in the application of data mining technologies. Moreover, China's data finance products are more focused on innovation and diversification, while South Korea puts more effort into risk control and product stability. The study summarizes core issues in the application of data finance in both countries, including data security, privacy protection, and cross-cultural user experience design. This research not only enriches the theoretical study of the combination of cultural differences and data finance application but also provides strategic recommendations for financial institutions on data product design for users from different cultural backgrounds.

Cross-cultural theory; Data mining techniques; Personal information protection; Financial product innovation; Risk preference analysis