• Journal of Korea Trade
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• v.27 no.1
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• pp.192-210
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• 2023

Purpose - Vietnam has the fastest growing digital economy in Southeast Asia and is emerging as a critical overseas market for Korean banks in the post-COVID-19 era. Accordingly, many Korean banks entered the Vietnamese market to overcome the limitations of the saturated domestic financial market and create new revenue sources. This study examined the current status of digital finance in Vietnam and the cases of Korean banks that have succeeded in the Vietnamese market. Then, importance-performance analysis (IPA) was conducted on local customers, managers and staff members of Korean banks in Vietnam. Design/methodology - In this study, we analyzed the importance and satisfaction factors of mobile banking app usage in Vietnam through IPA. In particular, we identified the differences between the two groups by considering the viewpoint of customers who use mobile banking apps and that of managers and staff members who provide mobile banking services. Findings - The IPA results from the customer group and managers and staff members group were generally similar, but differences were observed in Ease of Use (Technology), Innovativeness (Organization), and Increase in Revenue (Economic). In the case of the customer group, Ease of Use (Technology) is located in the second quadrant, which shows low satisfaction compared to high importance. However, in the managers and staff members group, Ease of Use (Technology) is located in the first quadrant, which indicates high importance and high satisfaction. This difference in perception can cause complaints from local customers; thus, it is necessary to change the perception of the technological aspect for ease of use of mobile banking apps in consideration of the customer's position. In addition, it is necessary to allocate the resources invested in the Innovativeness (Organization) and Increase in Revenue (Economic) to Ease of Use (Technology). Originality/value - In this study, based on the HOTE framework, factors for using mobile banking apps were derived, and IPA was conducted targeting local customers (app user) and managers and staff members (app provider) of Korean banks in Vietnam. Through this, we presented the results of empirical analysis that can help Korean banks efficiently utilize limited resources and budgets.

• Journal of Korea Society of Industrial Information Systems
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• v.28 no.2
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• pp.61-75
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• 2023

This study aims to evaluate the usability of a banking app that is frequently used by the elderly. To this end, the usability PACMAD(People At the Center of Mobile Application Development) model that can be used in mobile was explained and the usability evaluation was empirically verified for the elderly over 60 years of age. For this study, descriptive statistics and variance analysis were conducted using SPSS 25.0 for 165 elderly people who had experience using banking apps. Looking at the analysis results of this study, efficiency, satisfaction, and effectiveness showed relatively high scores, and learnability, memorability, error, and cognitive load showed relatively low scores. In addition, in the verification of differences by age, it was confirmed that there were differences in all variables by age. These results suggest that the elderly's usability evaluation of banking apps and differences by age could be confirmed, but there is also a limitation that comparison with the general public is difficult because the age is limited to the elderly.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.14 no.6
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• pp.267-272
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• 2014

Customers who register at mobile banking service through startphone has 40Mil in first quarter of 2014, which was increased 8.5%(3.6Mil) compare to figure from end of year 2013. Average 1 trillion 627.6billion won is dealing through smartphone banking in daily and three for increased psychological bullying caused by malignant code which change normality to malignant. The results of the analysis current state of affairs of personal information collection management authority required in finance smartphone app service and also recommend solution for protecting finance consumers plans to minimized collecting personal information in smartphone finance app service.

• Journal of Korea Society of Digital Industry and Information Management
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• v.16 no.1
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• pp.41-54
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• 2020

In this paper, it will study various problems such as personal information infringement from when using various useful Apps in the Smartphone environment. It also researched the vulnerabilities Mobile Apps and the risks of personal information leakage when using Smartphone information to decrease threat and find solution. In the second chapter, it will check the existing Mobile App related Apps. In the third chapter, it will check the threats and major factors that caused by the leakage of personal information which related to the app. Then it will suggest solution and end with conclusion. This paper also looked at various problems that caused by illegal adverse effect from illegal personal information collection. Then it researched and made suggestion to make consideration on safety of personal information and privacy infringement that threat to personal information For safety of mobile banking, it proposed a safety method to separate and manage the code which has the core logic which required to run the App. For safety of direction App, when running the direction App, even if the information is collected, location information for unauthorized accessed will encrypt and store in DB, so that access to personal information is difficult. For delivery App environment, by using the national deliver order call center's representative phone to receive a telephone order then, the customer information is delivered to the branch office when it receive order and it will automatically delete information from the server when the delivery is completed by improving DB server of order. For the smart work app environment, the security solution operates automatically by separating and make independent private and work areas. Then it will suggest initialization for company's confidential business information and personal information to safe from danger even if loss.

• The Journal of the Korea Contents Association
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• v.16 no.12
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• pp.19-26
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• 2016

Among the various services for mobile banking, user authentication method using bank security card is still very useful. We can use mobile banking easily and safely in case of saving encoded security codes in smart phone and entering codes automatically whenever user authentication is required without bank security card. In this paper automatic recognition algorithm of security codes of bank security card is proposed in oder to enroll the encoded security codes into smart phone using smart phone camera. Advanced adaptive binarization is used for extracting digit segments from various background image pattern and adaptive 2-dimensional layout analysis method is developed for segmentation and recognition of damaged or touched digits. Experimental results of proposed algorithm using Android and iPhone, show excellent security code recognition results.

• KIPS Transactions on Computer and Communication Systems
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• v.8 no.1
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• pp.9-16
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• 2019

Smartphones are becoming a portable computer. As a result, even the most sensitive financial application services are now available anywhere on the smartphone. Compared to general PCs, smartphones communicate with external devices through various channels such as wireless internet, mobile communication network, Bluetooth, and NFC, and a wide variety of applications are provided. Therefore, if vulnerabilities exist, the possibility of attack damage increases. In this paper, we analyze the vulnerabilities of dynamic virtual keyboards used in login of banking apps of smartphones with various physical constraints and propose countermeasures.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.17 no.3
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• pp.525-532
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• 2013

Recently. smartphones have been popularized rapidly and now located deep in our daily life, providing a variety of services from banking, SNS (Social Network Service), and entertainment to smart-work mobile office through apps. Such smartphone apps can be easily downloaded from what is known as app store which, however, bears many security issues as software developers can just as easily upload to it. Military apps will be exposed to a myriad of security threats if distributed through internet-basis commercial app store. In order to mitigate such security concerns, this paper suggests a security guidelines for establishing a military-excusive app store and security verification system which prevent the security hazards that can occur during the process of development and distribution of military-use mobile apps.

• Convergence Security Journal
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• v.18 no.3
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• pp.27-35
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• 2018

The certificate is electronic information issued by an accredited certification body to certify an individual or to prevent forgery and alteration between communications. Certified certificates are stored in PCs and smart phones in the form of encrypted files and are used to prove individuals when using Internet banking and smart banking services. Among the rapidly growing Android-based malicious applications are malicious apps that leak personal information, especially certificates that exist in the form of files. This paper proposes a method for judging whether malicious codes leak certificates by using DroidBox, an Android-based dynamic analysis tool.

• Journal of the Korea Convergence Society
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• v.11 no.11
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• pp.1-7
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• 2020

Android apps are mostly distributed as an apk files, and when the apk file is uncompressed, resource files such as xml files, images, and sounds related to app design can be extracted. If the resources of banking or finance-related apps are stolen and fake apps are distributed, personal information could be stolen or financial fraud may occur. Therefore, it is necessary to make it difficult to steal the design as well as the code when distributing the app. In this paper, we implemented a tool to convert the xml file into Java code and obfuscate using the Proguard, and evaluated the execution performance. If the layout obfuscation technique proposed in this paper is used, it is expected that the app operation performance can be improved and the illegal copying damage caused by the theft of the screen design can be prevented.

• Journal of the Korea Convergence Society
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• v.12 no.12
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• pp.223-233
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• 2021

MyData industry became possible with the revision of the three data-related bills on August 2020, and from February 2021, each individual can make MyData financial service through the app provided by MyData providers. In this study, in order to understand the user experience trend of MyData-based financial asset management apps in the user-centered financial service era, the usability evaluation of 11 apps from 8 MyData providers was conducted for 300 adults, then average value comparison, radial graph analysis, and heatmap analysis were conducted. In app design preference, asset list type was the most preferred type, followed by asset comparison·list type. As for the expected perception of the future benefits that can be enjoyed through My Data, 'diversification of convenient services' was the highest at 45.3%, and as a negative factor felt by users, personal information-related factors were the highest at 71.4%. The results of this study can be used as basic data for the development and improvement of user interfaces for MyData platforms.