한국정보시스템학회지:정보시스템연구 (The Journal of Information Systems)

  • 제18권2호
  • /
  • Pages.1-18
  • /
  • 2009
  • /
  • 1229-8476(pISSN)
  • /
  • 2733-8770(eISSN)
한국정보시스템학회 (Korea Association of Information Systems)
권호 표지
DOI QR코드

DOI QR Code

인터넷 뱅킹 사용자의 보안의도에 영향을 마치는 요인에 관한 연구

A Study on Factors Influencing User's Security Intention for Internet Banking

  • 김종기 (부산대학교 상과대학 경영학부) ;
  • 강다연 (부산대학교 일반대학원 경영학과) ;
  • 전진환 (부산대학교 경영정제연구소)
  • 투고 : 2008.10.24
  • 심사 : 2009.03.02
  • 발행 : 2009.06.01
PDF 다운로드
⟨ 이전 논문 다음 논문 ⟩

초록

Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

키워드

참고문헌

  1. 김명호, "인터넷 뱅킹의 활용현황과 비즈니스 모델 구현에 관한 연구," e-비즈니스연구, 제7권 제2호, pp. 3-24, 2006.
  2. 서보밀, "인지된 보안통제가 고객의 인터넷 뱅킹 수용에 미치는 영향," 한국전자거래학회지, 제11권 제1호, pp. 25-52, 2006.
  3. 박준철.이웅규, "인터넷 뱅킹 서비스품질의 구성요인에 관한 탐색적 연구," 대구대학교경제경영연구소, 제1집, 제2호, pp. 159-171, 2002.
  4. 이건창.정남호.이종신, "국내 인터넷 뱅킹 사용자의 이용의도에 영향을 미치는 요인간 관계에 관한 실증연구," 경영정보학연구, 제12권, 제3호, pp. 191-212, 2002.
  5. 이웅규, "보안과 위험의 지각이 인터넷 뱅킹 재사용 의도에 미치는 영향," 경영정보학연구, 제17권, 제1호, pp. 77-93, 2007.
  6. 조대우.황경연, "인터넷 뱅킹이용에 영향을 미치는 요인: 계획된 행동이론을 중심으로," 경영학연구, 제30권, 제4호, pp. 1225-1249, 2001.
  7. 한국금융연구원, "국제금융 이슈: 최근 미국의 인터넷 뱅킹 현황," 한국금융연구원, 제16권, 제29호, pp. 20-21, 2007.
  8. 한국은행, 우리나라 은행의 인터넷 뱅킹 도입현황과 대응방안, 한국은행 은행국 은행연구팀, 2000.
  9. 한국은행, 2008년 1/4분기 국내 인터넷 뱅킹서비스 이용현황, 한국은행, 2008.
  10. 한국정보보호진흥원, 보도자료: 개인정보 유출관련 민원 증가, 전화사기 유형 다양화(2008/02/27), 한국정보보호진흥원, 2008.
  11. Anderson, J. & D. Gerbing, "Structural Equation Modeling in Practice: A Review and Recommended Two-Step Approach," Psychological Bulletin, Vol. 103, No. 4, pp. 411-423, 1988. https://doi.org/10.1037/0033-2909.103.3.411
  12. Black, N. F., A. Lockett, H. Winklhofer, & C. Ennew, "The Adoption of Internet Financial Services: A Qualitative Study," International Journal of Retail & Distribution Management, Vol. 29, No. 8, pp. 390-398, 2001. https://doi.org/10.1108/09590550110397033
  13. Bandura, A., Social Foundations of Thoughts and Action: Social Cognitive Theory, Prentice-Hall, 1986.
  14. Burroughs, R. E., The Adoption of Retail Electronic Commerce and Empirical Investigation, Ph. D. Dissertation, Florida International University, 1999.
  15. Bagozzi, R., & Y. Yi, "On the Evaluation of Structural Equation Models," Journal of the Academy of Marketing Science, Vol. 16, No. 1, pp. 74-97, 1988. https://doi.org/10.1007/BF02723327
  16. Cheng, T. C. E., D. Y. C. Lam, & A. C. L. Yeung, "Adoption of Internet Banking: An Empirical Study in Hong Kong," Decision Support Systems, Vol. 42, No. 3, pp. 1558-1572, 2006. https://doi.org/10.1016/j.dss.2006.01.002
  17. Corbitt, B. J., T. Thanasankit, & H. Yi, "Trust and E-Commerce: A Study of Consumer Perceptions," Electronic Commerce Research and Applications, Vol. 2, No. 3, pp. 203-215, 2003. https://doi.org/10.1016/S1567-4223(03)00024-3
  18. Compeau, D. R. & C. A. Higgins, "Computer Self-Efficacy: Development of a Measure and Initial Test," MIS Quarterly, Vol. 19, No. 2, pp. 189-211, 1995. https://doi.org/10.2307/249688
  19. Davis, F. D., "Perceived Usefulness, Perceived Ease of Use, and End User Acceptance of Information Technology," MIS Quarterly, Vol. 13, No. 3, pp. 319-340, 1989. https://doi.org/10.2307/249008
  20. Fishbein. M. & I. Ajzen, Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Addison-Wesley, 1975.
  21. Fornell, C. & D. Larcker, "Evaluating Structural Equation Models with Unobservable Variables and Measurement Error," Journal of Marketing Research, Vol. 18, No. 1, pp. 39-50, 1981. https://doi.org/10.2307/3151312
  22. Gefen, D., "Assessing Unidimensionality through LISREL: An Explanation and Example," Communications of the Association for Information Systems, Vol. 12, No. 2, pp. 23-47, 2003.
  23. Garver, M., & J. Mentzer, "Logistics Research Methods: Employing Structural Equation Modeling to Test for Construct Validity," Journal of Business Logistics, Vol. 20, No. 1, pp. 33-57, 1999.
  24. Gopalakrisnan, S., J. D. Wischnevsky & F. Dmanpour, "A Multilevel Analysis of Factors Influencing the Adoption of Internet Banking," IEEE Transactions on Engineering Management, Vol. 50, No. 4, pp. 413-426, 2003. https://doi.org/10.1109/TEM.2003.819648
  25. Hair, J., R. Anderson, W. Black, & R. Tatham, Multivariate Data Analysis (5th eds.), Prentice Hall, 1998.
  26. Hoffman, D. L., T. P. Novak & M. Peralta, "Building Consumer Trust in Online," Communications of the ACM, Vol. 42, No. 4, pp. 50-56, 1999.
  27. Kim, K. & B. Prabhakar, "Initial Trust, Perceived Risk, and the Adoption of Internet Banking," Proceedings of International Conference on Information Systems, pp. 537-543, 2000.
  28. Liao, S., Y. P. Shao, H. Wang & A. Chen, "The Adoption of Virtual Banking: An Empirical Study," International Journal of Information Management, Vol. 19, No. 1, pp. 63-74, 1999. https://doi.org/10.1016/S0268-4012(98)00047-4
  29. Liao, Z & M. T. Cheung, "Internet-based e-Banking and Consumer Attitudes: An Empirical Study," Information & Management, Vol. 39, pp. 283-295, 2002. https://doi.org/10.1016/S0378-7206(01)00097-0
  30. Mayer, R. C., J. H. Davis & F. D. Schoorman, "An Integrative Model of Organizational Trust," Academy of Management Review, Vol. 20, No. 3, pp. 709-734, 1995.
  31. Milind, S., "Adoption of Internet Banking by Australian Consumers: An Empirical Investigation," The International Journal of Bank Marketing, Vol. 17, No. 7, pp. 324-334, 1999. https://doi.org/10.1108/02652329910305689
  32. O'Connell, B. "Australian Banking on the Internet-Fact or Fiction?" The Australian Banker, pp. 212-214, 1996.
  33. Polatoglu, V. N. & S. Ekin, "An Empirical Investigation of the Turkish Consumers' acceptance of Internet Banking Services," International Journal of Bank Marketing, Vol. 19, No. 4, pp. 156-165, 2001. https://doi.org/10.1108/02652320110392527
  34. Pavlou, P. A., "Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model," International Journal of Electronic Commerce, Vol. 7, No. 3, pp. 101-134, 2003.
  35. Rousseau, D. M., S. B. Sitkin, R. S. Burt & C. Camerser, "Not So Different After All: A Cross Discipline View of Trust," Academy of Management Review, Vol. 23, No. 3, pp. 383-404, 1998.
  36. Salisbury, D., R. Pearson, A. Pearson & D. Miller, "Perceived Security and World Wide Web Purchase Intention," Industrial Management and Data Systems, Vol. 101, No. 4, pp. 165-176, 2001. https://doi.org/10.1108/02635570110390071
  37. Segars, A., "Assessing the Unidimensionality of Measurement: A Paradigm and Illustration Within the Context of Information Systems," Omega, Vol. 25, No. 1, pp. 107-121, 1997. https://doi.org/10.1016/S0305-0483(96)00051-5
  38. Tan, M. & T. S. H. Teo, "Factors Influencing the Adoption of Internet Banking," Journal of Association for Information Systems, Vol. 1, No. 5, 2000.
  39. Tayol, S & P. A. Todd, "Decomposition and Crossover Effects in the Theory of Planned Behavior: A Study of Consumer Adoption Intentions," International Journal of Research in Marketing, Vol. 12. pp. 137-155, 1995. https://doi.org/10.1016/0167-8116(94)00019-K
  40. Venkatesh, V. & Davis, F. D., "A Critical Assessment of Potential Measurement Bases in the Technology Acceptance Model : Three Experiments," International Journal of Human-Computer Studies, Vol. 45, pp. 19-45, 1996. https://doi.org/10.1006/ijhc.1996.0040
  41. Yoh, E., Consumer Adoption of the Internet for Apparel Shopping, Ph.D. Dissertation, Iowa State University, 1999.