Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
권호 표지
DOI QR코드

DOI QR Code

Security and Trust on Non-Contact Financial Transaction

금융보안과 신뢰가 비대면 금융거래에 미치는 영향

  • Received : 2021.04.13
  • Accepted : 2021.07.20
  • Published : 2021.07.28
Download PDF
⟨ Previous Next ⟩

Abstract

The pandemic age came to us after the COVID19 broke out in the early of 2020, which resulted in many changes in our everyday life. One of the changes is non-contact transactions in economic activities, especially contact-free financial transactions are ever-increasing activities in the pandemic age. In non-contact financial transactions, security and trust are important issues that users are concerned about the most. So the paper examines how security and trust have effects on the attitudes of bank customers who use mobile banking applications on their smartphones. The study conducted factor ananlysis to extract research constructs using survey data gathered during Nobember of 2020 through February of 2021 across the nation. After extracting the constructs, the study checked validity, sampling adequacy, and internal reliability with KMO, Bartlett's test, and Crombach Alpha respectively. To make sure the purpose of the study, I do regression analysis. All factors of attitude had impacts on willingness on both of transactions and purchasing financial products. The results could give guidelines banks which want to attract more customers in open-banking environment through ever-more secure and trusty mobile banking application.

비대면 금융채널을 이용하는 고객증가와 모바일뱅킹의 보안에 대한 고객의 관심과 우려감이 증대함에 따라 본 논문은 모바일뱅킹 보안과 정보 신뢰가 사용자 태도와 사용의지에 얼마나 어떻게 영향을 미치는가 확인하려고 한다. 논문의 목적은 첫째, 모바일뱅킹 사용자의 보안과 정보신뢰에 대한 인지 정도를 확인한다. 둘째 모바일뱅킹 보안과 정보신뢰가 모바일뱅킹 사용 태도에 영향을 미치는 주요 요인을 확인하고, 그 영향의 정도를 측정한다. 설문조사는 2020년 11월부터 2021년 2월까지 18세 이상 성인남여를 대상으로 실시하였으며, 요인분석후 KMO, Bartlett's test, Crombach Alpha를 확인하여 타당성과 신뢰성 검증 후 회귀분석을 하였다. 분석결과 보안 및 신뢰와 모바일뱅킹 태도에서는 정보보호 및 안전성, 대고객 신용, 정보의 신뢰가 상품정보만족에 영향을 주었으며, 편의성 인지에는 외부공격 대응능력, 대고객 신용, 정보보호 및 안전성이 영향을 미치고 있다. 보안 및 신뢰와 모바일뱅킹 고객의 향후 사용의지에서는 은행의 정보보호 및 안전성과 대고객 신용이 고객의 금융상품거래의지에 영향을 미치고 있으며, 모바일 앱을 통한 금융업무처리 의지에는 외부공격 대응능력과 대고객 신용이 영향을 미치고 있는 것으로 나타났다. 본 논문은 각 금융사가 오픈뱅킹으로 인해 이동이 자유로와진 고객을 확보하기 위한 경쟁속에서 모바일뱅킹의 보안과 신뢰성 측면에서 모바일뱅킹 앱 개선방향에 시사점을 줄 것으로 기대한다.

Keywords

References

  1. Korea Economy (2020), DDos Attacks on Kakao Bank, K Bank, Shinhan Bank. 2020.8.20.
  2. McKnight, D. H. & N. L. Chervany (2002), What Trust means in E-commerce Customer Relationships: An Interdisciplinary Conceptual Typology, International Journal of Electronic Commerce, 6(2), 35-59. https://doi.org/10.1080/10864415.2001.11044235
  3. Korea Economy (2021), Korea Federation of Banks Require Intert Bank, 2021.4.5.
  4. Research Paper. (2020). Big Trend of Mobile Banking is Convenient but Still has Security Problems. Available from www.research-paper.co.kr/new, 2020.8.27.
  5. ChosunBiz (2020), Standard Chartered Bank, Start the First Quantum Mobile Banking among City Banks, 2020.12.7.
  6. SK Telecom (2020), KT - DGB Daegu Bank, The First Quantum Security Mobile Banking in the Industry, Media Center, Available from www.sktelecom.com/advertise, 2020.8.20.
  7. IBM Korea (2019), Age of Open Banking! Case Studies in Security Solutions, Available from m.blog.naver/ibm_korea, 2019.9.
  8. Financial News (2021), Routinizing Phone Banking. Does Quantum Security Zone 'GalaxyA Quantum2 become Megatrend?, 2021.4.11
  9. Forchat, K. A (1996). Doing Business on the Internet: Marketing and Security Aspects, Information management & Computer Security, 4(4), 3-9. https://doi.org/10.1108/09685229610130477
  10. Furnell, Steven M. & T. Kaweni (1999), Security Implications on Electronic Commerce: A Survey of Consumers and Business, Internat 11esearch, 9(5), 372-382.
  11. Shu Bomil & Ingoo Han (2003). The Impact of Consumer Trust and Perception of Security Control on the Acceptance of Electronic Commerce, International Journal of Electronic Commerce, 7(13), 135-152. https://doi.org/10.1080/10864415.2003.11044270
  12. Pavlou, P. A. (2003), Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model, International Journal of Electronic Commerce, 7(3), 101-134. https://doi.org/10.1080/10864415.2003.11044275
  13. Chau, P. Y. K., P. J. Hu, B. Lee & A. K. Au (2007), Examining Customers' Trust in Online Venders and Their Dropout Decisions: An Empirical Study, Electronic Commerce Research and Application, 6, 171-182. https://doi.org/10.1016/j.elerap.2006.11.008
  14. Ha, Hong-Youl & R. K. Akamavi. (2009). Does Trust Really Matter in Electronic Shopping?, Seoul Journal of Business, 15(1), 91-120. https://doi.org/10.35152/snusjb.2009.15.1.005
  15. Bramall, C., K. Schoefer & S. Mckechnie (2004), The Determinants and Consequences of Consumer Trust in E-retailing: A Conceptual Framework, Irish Marketing Review, 17(1/2), 13.22.
  16. Heijden, H., T. Verhagen & M. Creemers (2003). Understanding Online Purchacing Intentions: Contributions from Technology and Security Perspectives, European Journal of Information Systems. 12, 41-48. https://doi.org/10.1057/palgrave.ejis.3000445
  17. Keat, K. & A. Mohan. (2004), Integration of TAM based Electronic Commerce Model for Trust, Journal of American Academy of Business, 5(1/2), 404-410.
  18. Lee, M. K. O. & E. Turban. (2001). A Trust Model for Consumer Internet Banking, International Journal of Electronic Commerce, 6(1), 75-91. https://doi.org/10.1080/10864415.2001.11044227
  19. John, Yongjean (2012), A Determination of the Factors Contributing to Internet Banking, The Journal of Digital Policy & Management, 10(11), 137-144.
  20. Lim, Kee-Sook, Jeen-Su Lim, & J. H. Heinrichs. (2005). Structural Model Comparision of the Determining Factors for E-Purchase, Seoul Jounal of Business, 11(2), 119-143.
  21. Flavian, C., M. Guinaliu & R. Gurrea (2006), The Role played by Percieved Usability, Satisfaction and Consumer Trust on Website Loyalty, Information & Management, 43, 1-14. https://doi.org/10.1016/j.im.2005.01.002
  22. Grabner-Krauter, S. (2002), The Role of Consumers Trust I Online Shopping, Journal of Business Ethics, 39, 43-50. https://doi.org/10.1023/A:1016323815802
  23. Koehn, DD. (2003), Nature of and Conditions for Online Trust, Journal of Business Ethics, 43, 333-19. https://doi.org/10.1023/A:1022950813386
  24. Wi, Cholong & Sundong Kwon. (2017), The Effect of Cognition of Personal Information Leakage Controllability on Affection and Conation: Focused on Comparing between External Hacking and Internal Leakage, Korean Management Review, 46(6), 1555-1576. https://doi.org/10.17287/kmr.2017.46.6.1555
  25. Elliot, S. & S. Fowell (2000), Expectations versus Reality: A Snapshop of Consumer Experiences with Internet Retailing, International Journal of Information Management, 20(5), 323-336. https://doi.org/10.1016/S0268-4012(00)00026-8
  26. John, Yongjean (2015), Internet Banking Attitudes in Association with Demographics and Motivations, The Journal of Digital Policy & Management, 13(11), 35-43.
  27. Asia Economy. (2015). Age of Nonstore Contactless Internet Banking.. Security Strategies of Both Companies?. 2015.11.30.
  28. Caro, G. C., Su-Hyeon Namn, Shin-Cheol Kang & Hee-Seok Song (2008), Effect of Privercy Concern on Trust and Intention to Incremental Usage of Scial Networking Systems, The Journal of Digital Policy & Management, 6(4), 123-136.
  29. Joo, Hee-Yeop, Jeong-Hun Park and Chang-Su Kim (2009), Empirical Investigation on Factors Affecting User Satisfaction of E-Government Services, The Journal of Digital Policy & Management, 7(2), 43-50.
  30. Kim, K & B. Pralhakar. (2002), "Initial Trust, Perceived Risk and the Adoption of Internet Banking, Proceedings of the Twenty First International Conference on Information Systems, 537-543.
  31. Kim, Kyungkyu, Jungwoo Lee, and Hyesun Kim., (2003), Impact of Trust and Risk on Internet Banking Adoption, Korean Management Review, 32(6), 1777-1797.
  32. Morgan, R. M. and S. D. Shelby (1994), The Commitment-Trust Theory of Relationship Marketing, 58(3), 20-38.
  33. Udo, G .J. (2000), Privacy and Security Concerns as Major Barriers for E-commerce: A Survey Study, Information Management and Computer Security, 9(4), 165-174. https://doi.org/10.1108/EUM0000000005808