• Journal of the Korea Convergence Society
• /
• v.9 no.1
• /
• pp.277-282
• /
• 2018

This study aims to present a direction for securing continuous growth and confidence, centering on two Internet banking companies that started recently. The banking market has been rewriting the history since the emergence of Internet professional banks. In order to improve the credibility and promote the development of the Internet professional banks, I conducted a questionnaire survey and In Depth Interview. As a result of this survey, the overall reliability is still low, and the factors affecting reliability are: 1.Security problem 2.Discomfort of customer service 3.Errors and unnecessary services. This is a start-up business, so the awareness and reliability can be changed soon. Therefore, it is necessary to continue research on this according to the changing user's perception.

• Journal of Service Research and Studies
• /
• v.8 no.2
• /
• pp.77-94
• /
• 2018

Internet-only bank is one of the promising areas of Fintech industry. Kbank and Kakaobank launched services since 2017 in Korea. Experts estimated the younger generation including undergraduate students as target customers in the initial stage of the Internet-only bank in Korea. Thus, it is necessary to investigate factors influencing intention to use the Internet-only bank. Data were collected from undergraduate students studying in Seoul, Pusan, and Gyeongbuk province. The empirical study showed the evidence that four factors such as convenience, social influence, perceived privacy, and unverified risk had a significant influence on intention to use the Internet-only bank. However, economic benefit has no significantly influence on the intention. The present study focused on the influence of convenience and social influence and discussed the issues regarding convenience and social influence in more detail.

• Journal of Digital Convergence
• /
• v.20 no.2
• /
• pp.91-105
• /
• 2022

Most of the preceding studies related to Internet Primary banks are studies on laws, regulations, and expected effects of introduction, and studies on financial consumers' intention to switch to financial services are insufficient. Apply to the PPM(Push-Pull-Mooring)theory to find out the factors that influence financial consumers' intention to switch services from commercial banks to Internet Primary banks. A survey was conducted service users, 1st-order and 2nd-order factor analysis were performed using Smart PLS 3.0. As a result, it was confirmed that the Pull, Push and Mooring had a positive (+) effect on the Intention to Switch, and the Mooring, which is a moderating variable, did not have a moderating effect on the Intention to Switch of the Push and the Pull. The scope of application of the PPM theory, which was used in the service conversion research, was extended to Fintech services, and it can provide various practical useful implications, such as the strategy and spread of Internet Primary banks, and it will be used in various studies to study consumer attitudes.

• Digital Contents
• /
• no.9 s.52
• /
• pp.28-33
• /
• 1997

검색은행(Search Bank - http://www.searchban.com/searchbank/ala_web)은 미국 톰슨사 계열의 Information Access Company(IAC)사에서 제공하는 학술, 경영, 경제, 과학기술, 법률, 보건 등 여러분야의 정보를 제공하는 데이터뱅크로서 인터넷을 통해 네스케이프나 익스플로러와 같은 웹브라우저로 검색할 수 있다.

• Human Ecology Research
• /
• v.57 no.1
• /
• pp.1-13
• /
• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• Journal of Korea Society of Industrial Information Systems
• /
• v.27 no.6
• /
• pp.115-126
• /
• 2022

The purpose of this study is to try to IPA(Importance-Performance Analysis) by applying text mining approaches to user review data for korea mobile banking applications, and to derive priorities for improvement. User review data on mobile banking applications of korea commercial banks (Kookmin Bank, Shinhan Bank, Woori Bank, Hana Bank), local banks (Gyeongnam Bank, Busan Bank), and Internet banks (Kakao Bank, K-Bank, Toss) that gained from Google playstore were used. And LDA topic modeling, frequency analysis, and sentiment analysis were used to derive key attributes and measure the importance and satisfaction of each attribute. Result, although 'Authorizing service', 'Improvement of Function', 'Login', 'Speed/Connectivity', 'System/Update' and 'Banking Service' are relatively important attributes when users use mobile banking applications, their satisfaction is not at the average level, indicating that improvement is urgent.

• Journal of Information Technology Applications and Management
• /
• v.27 no.6
• /
• pp.117-139
• /
• 2020

This research analyzes the factors that affect the consumers' participation of the internet-only banks, and suggests effective financial sales strategies and methods to attract more users. Through prior research review and interviews with experts, the factors affecting the consumers to sign up for the internet banks are identified. The actual user data from the internet banks are used for the analysis, providing more systematic and credible results. The research shows that social media buzz positively affects the user growth, proving Granger Causality relation of increasing social media buzz on K Bank increases K Bank users. The research also shows that marketing activities noticeably impacts K Bank's positive user growth. On the other hand, the event of Kakao Bank's grand opening shows negative effect. The results from the research validates the need for periodical monitoring process of social media buzz. Moreover, the research proves that the integrated analysis of social media buzz and marketing effect is also essential.

• Management & Information Systems Review
• /
• v.37 no.4
• /
• pp.157-174
• /
• 2018

The purpose of this study is to examine service acceptance process of Internet-Only Bank centered on perceived usefulness, confirmation, service satisfaction, adoption intention. this study examine relation of perceived usefulness, confirmation, service satisfaction based on previous studies. And we examine the effect of Internet-Only Bank satisfaction on adoption intention. Also, we studied the relationship between perceived usefulness, confirmation, service satisfaction according to Internet-Only Bank services providers. The following are main results of this study. First, perceived usefulness, confirmation have significant effects on service satisfaction. Second, service satisfaction of Internet-Only Bank have a positive effect on adoption intention of Internet-Only Bank. Third, The relationship between perceived usefulness, confirmation and service satisfaction is differ depending on Internet-Only Bank services providers. Based on these findings, in this study examined the significant influence of Internet-Only Bank. Through this study, we propose to marketing practitioners the need for a splitted strategy based on Internet-Only Bank services providers.

• Journal of Digital Convergence
• /
• v.15 no.12
• /
• pp.111-126
• /
• 2017

Korea came to see its first internet bank as 'K bank' obtained the digital-only banking license in December 2016. This paper suggests ways to foster internet banks of Korea in their early stage by analyzing the successful cases of overseas internet banks. The followings are the key success factors identified from those cases across Europe, Japan, China, and USA: Support from the related government authorities; Stable governance structure; Distinct business capabilities based on information & communications technology(ICT). These points lead to the following implications for Korean internet banks. Regulatory restrictions on owning and running internet banks should be lifted to facilitate innovation. Policies to support internet bank industry should be introduced as it is a vital part of the 4th industrial revolution. Finally, internet banks should strive to differentiate themselves by utilizing their ICT capabilities. Subjects of the further research hereafter should include the following: Analyzing the ongoing performance and developments of digital banks in Korea; Deriving success factors from the analysis; Assessing the influence and effects on financial market and economic environment.