Browse > Article
http://dx.doi.org/10.13089/JKIISC.2018.28.6.1563

The Role and Collaboration Model of Human and Artificial Intelligence Considering Human Factor in Financial Security  

Lee, Bo-Ra (Korea University, Graduate School of Information Security)
Kim, In-Seok (Korea University, Graduate School of Information Security)
Publication Information
Journal of the Korea Institute of Information Security & Cryptology / v.28, no.6, 2018 , pp. 1563-1583 More about this Journal
Abstract
With the deregulation of electronic finance, FinTech has been revitalized. The discussion on artificial intelligence is active in the financial industry. However, there is a problem of increasing security threats behind new technologies. Security vulnerabilities have increased because we are more connected than before, and the channels and entities of the financial industry have diversified. Although there are technical and policy discussions on security, the essence of all discussions is human. Fundamentals of finance are trust and security, and attention to human factors is important. This study presents the role of human and artificial intelligence for financial security, respectively. Furthermore, this derives a collaborative model in which human and artificial intelligence complement each other's limitations. To support this, it first discusses the development of finance and IT, AI, human factors, and financial security threats. This study suggests that the security threats will intensify in the era of new technology, but it can overcome them by using machinery and technology.
Keywords
Human Factor; Artificial Intelligence; Finance; Security; Collaboration;
Citations & Related Records
Times Cited By KSCI : 1  (Citation Analysis)
연도 인용수 순위
1 Zahid H. Qureshi, "A Review of Accident Modelling Approaches for Complex Critical Sociotechnical Systems," Defence Science and Technology Organisation, Jan. 2008.
2 Scott A. Shappell and Douglas A. Wiegmann, "The Human Factors Analysis and Classification System-HFACS," U.S. Department of Transportation, Feb. 2000.
3 Geun-hye Song and Seung-min Lee, "Fourth Industrial Revolution and Security Paradigm Shift," IITP Weekly ICT Trends No. 1847, May. 2018.
4 Su-jin Lee, Sang-Yong Choi, Jae-Kyoung Kim, Chung-shick Oh, and Chang-ho Seo, "A Study for Limitations and Improvement of Information Security Management System," Journal of Digital Convergence, pp. 563-570, Feb. 2014.
5 Kang-yoo Cho, Sang-sik Min, and Jae-mo Sung, "Promotion plan of countermeasure technology research related to electronic financial security threat," korea institute of information security & cryptology, pp. 49-53, Dec. 2013.
6 Financial Security Institute, "Analysis of major countries for electronic finance policy and supervision advancement," Financial Security Institute Report, Nov. 2012.
7 Mark Evans, Leandros A. Maglaras, Ying He, and Helge Janicke, "Human Behaviour as an aspect of Cyber Security Assurance," Security and Communication Networks, 2016.
8 Jung-ho Lee, "Measures to Prevent and Respond to Electronic Financial Infringement Accidents," korea institute of information security & cryptology, pp. 1-20, Oct. 2008.
9 Laerte Peotta, Marcelo D. Holtz, Bernardo M. David, Flavio G. Deus, and Rafael Timoteo de Sousa Jr, "A FORMAL CLASSIFICATION OF INTERNET BANKING ATTACKS AND VULNERABILITIES," IJCSIT, Vol. 3, No. 1, pp. 186-197, Feb. 2011.   DOI
10 Dae-kyung Jung, "Comparative study of the privacy information protection policy: Privacy information basic laws and dedicated organizations," korea institute of information security & cryptology, pp. 923-939, Aug. 2012.
11 Zeynep Ozguner and Mert Ozguner, "A Managerial Point of View on the Relationship between of Maslow's Hierarchy of Needs and Herzberg's Dual Factor Theory," International Journal of Business and Social Science, Vol. 5, No. 7, Jun. 2014.
12 Karin Hone and J.H.P. Eloff, "Information security policy: what do international information security standards say?," Computers & Security, pp. 402-409, 2002.
13 Myung-seong Yim, Tae-seog Jeong, and Jung-min Lee, "A Suggestion for Information Security Awareness of Finance Firms," Journal of Security Engineering, 11(6), pp. 479-498, Dec. 2014.   DOI
14 Xiuquan Li and Tao Zhang, "An Exploration on Artificial Intelligence Application: From Security, Privacy and Ethic Perspective," IEEE ICCCBDA, pp. 416-420, 2017.
15 Chun-soo Park, Min-soo Jang, Dong-wook Lee and Jae-hong Kim, "Cognition.Expression Technology Trend for Human and Robot Interaction," Electronics and Telecommunications Trends, 28th issue, No. 4, pp. 86-96, Aug. 2013.
16 Nick Bostrom and Eliezer Yudkowsky, "The ethics of artificial intelligence," The Cambridge Handbook of Artificial Intelligence, Cambridge University Press, pp. 316-334, 2014.
17 Financial Security Institute, "E-FINANCE AND FINANCIAL SECURITY," e-finance and financial security No. 13, Jul. 2018.
18 IEC Future Factory Project team, "Factory of the future," IEC White Paper, pp. 214-285, 2015.
19 Hyun-ki Kim, "Exobrain: Language intelligence SW for communication of human and machine knowledge," https://www.etri.re.kr/webzine/20160318/05.html, ETRI webzine, Vol.58, Mar. 2016.
20 Justice Institute of BC, "Subjective vs. Objective," JIBC, Sep. 2012.
21 Reza Alavi, "A Risk-Driven Investment Model for Analysing Human Factors in Information Security," Ph.D.Thesis, UNIVERSITY OF EAST LONDON, 2016.
22 Financial Security Institute, "Trend of Fraud Detection System based on machine learning," Security Research Department-2017-032, Aug. 2017.
23 Bank of Korea's Financial Settlement Bureau, "The Future of Digital Innovation and Financial Services: Challenges," Payment Survey 2017-1, Jan. 2017.
24 Kalyan Veeramachaneni and Ignacio Arnaldo, "$AI^{2}$ : Training a big data machine to defend," IEEE International conference on BigDataSecurity, 2016.
25 Sang-hoon Kim and Gab-su Lee, "An Empirical Study on Influencing Factors of Using Information Security Technology," The Journal of Society for e-Business Studies, 20(4), pp. 151-175, Nov. 2015.
26 Ahmad Kamal, "Subjectivity Classification using Machine Learning Techniques for Mining Feature-Opinion Pairs from Web Opinion Sources," International Journal of Computer Science Issues (IJCSI), Vol. 10, Issue 5, pp. 191-200, 2013.
27 Jong-hong Jeon and Seung-yoon Lee, "Technical standardization trend of open and human-friendly artificial intelligence system," TTA Journal, Vol.169, pp. 46-54, 2017.
28 Stuart J. Russell and Peter Norvig, Artificial Intelligence: A Modern Approach, Prentice Hall, 1995.
29 Sung-il Ryu, "Artificial intelligence leading the fourth industrial revolution: Focusing on deep learning," DIGIECO REPORT Issue&Trend, Apr. 2017.
30 Bank of Korea, "Domestic Internet banking service usage in the second quarter of 2016," Press Release No. 2016-8-6, Aug. 2016.
31 Su-mi Lee, "How Human Factors Affect Security," Financial Security Institute Issue Report, Vol. 2011-009, Jun. 2011.
32 Financial Security Institute, "E-FINANCE AND FINANCIAL SECURITY," e-finance and financial security No. 2, Oct. 2015.
33 Brian M. Bowen, Ramaswamy Devarajan, and Salvatore Stolfo, "Measuring the Human Factor of Cyber Security," IEEE International Conference on Technologies for HST, pp. 230-235, Nov. 2011.
34 Gary Hinson, "Human factors in information security," White paper of IsecT Ltd, 2003.
35 Kun-woo Kim, Myeong-gyun Song, and Jung-duk Kim, "A Research on Security Education Framework for Employee's Behavior Change," International Journal of Information and Education Technology, Vol. 8, No. 1, Jan. 2018.
36 Sizwe M. Dhlamini, Michael O. Kachienga, T. Marwala, and Members, "Artificial Intelligence as an Aide in Management of Security Technology," IEEE Africon 2007, Massachusetts Institute of Technology, pp. 1-5, 2007.
37 Financial Services Commission, "Notification No. 2015-18," Notification of Financial Services Commission, Jun. 2015.
38 Financial Security Institute, "Domestic and foreign artificial intelligence related policies and R & D trends," Security Research Department-2016-058, Dec. 2016.
39 Madhavi Dhingra, Manisha Jain, and Rakesh Singh Jadon, "Role of artificial intelligence in enterprise information security: A review," 2016 Fourth International Conference on PDGC, pp. 188-191, 2016.
40 Hyun-cheol Choi, Sun-yong Byun, Hyung-ju Kim, and Jin-kyu Jeong, "The Study on Logic of Designing and Ethical Programming the Behavior of AMA Robot 1," Ethics Education Research 46th, pp. 65-91, Oct. 2017.
41 Nils J. Nilsson, THE QUEST FOR ARTIFICIAL INTELLIGENCE: A HISTORY OF IDEAS AND ACHIEVEMENTS, Cambridge University Press, Sep. 2009.
42 John R. Searle, "MINDS, BRAINS, AND PROGRAMS," Behavioral and Brain Sciences, 1980.
43 Korea Meteorological Administration, "Utilizing meteorological fields with artificial intelligence," Weather Technology Policy Paper, 9(2), Dec. 2016.
44 Sang-soo Lee, "4th Industrial Revolution, What is Artificial Intelligence?," Education Union News, Jan. 2018.
45 Financial Security Institute, "E-FINANCE AND FINANCIAL SECURITY," e-finance and financial security No. 8, Apr. 2017.
46 MSIT and KISTEP, "Book 2 Artificial Intelligence Technology," 2015 Technology Impact Assessment, Jan. 2016.
47 Young-il Kong, Hyung-suk Choo, and Kyung-bok Lee, "China, the dominant partner of artificial intelligence," SPRi Issue Report No. 2017-005, Oct. 2017.
48 Doopedia, "human factor" http://www.doopedia.co.kr/doopedia/master/master.do?_method=view&MAS_IDX=101013000774253, 2018.
49 Hye-jung Shim and Kun-woo Kim, "Business model that utilizes AI of our enterprise," KITA Report, Jan. 2018.