• The Journal of Asian Finance, Economics and Business
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• 제7권2호
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• pp.205-212
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• 2020

The article aims to identify the main factors affecting customers' decision to use mobile banking service in Vietnam, a case study in Thanh Hoa province. Based on theoretical frameworks of the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), the study has been conducted with 370 questionnaires to consumers who have not yet used and are currently using mobile banking in Thanh Hoa province. The research results indicates that several factors have been evaluated to be more important than others, of which, the social influence is the strongest, the second is the compatibility and some others factors such as perceived ease of use, perceived trust, etc., all affecting the intention to use mobile banking in Thanh Hoa. Based on these important results, the article propose a number of recommendations: (i) Exploiting the advantages of social influence on the increase of intention to use; (ii) Increasing compatibility and minimizing costs for customers when they use Mobile Banking; (iii) Developing a strategy to increase the users' perceived ease of using banking services; (iv) Issuing a policy on increasing the security of Mobile Banking system to meet customers' needs; and (v) Developing an individual customer management system to improve service quality.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.325-334
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• 2021

This study aims to investigate whether economic growth is elevated by banking industry development in Jordan. The study adopts time-series econometric methodologies, which comprise the bounds testing approach within the autoregressive distributed lag (ARDL) and the conditional causality analysis. Consistent with the assumptions of the adopted methodology, the study utilized annual time-series data for a relatively long period of thirty-nine years, between 1980 and 2018. The empirical results show that Jordan's economic growth is strongly responsive in respect to any changes in banking industry development. Also, the results reveal the harmful impact of rising lending interest rate; as this rate increases, economic growth will decrease. The findings are in line with the conceptual arguments of the supply-leading hypothesis, which confirmed that banking development is considered as one of the main pillars that have stimulating effects on economic growth. The evidence of the current study may provide important implications for policymakers and bankers. Those professionals should work to maintain a stable regulatory system that enhances the banking system function in activating economic growth. Also, a considerable focus should be placed on designing a steady interest rate policy to avoid the inherently undesirable impacts of high-interest rates on the Jordanian economy.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.127-131
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• 2020

In today's financial industry, Fintech (financial technology) has showed its role of an innovation-driving area, which can bring outstanding changes to the traditional financial market. This article will briefly introduce Fintech as well as its development in Vietnam. Besides, the research also provided a survey on experts' opinions on the challenges to the promotion of Fintech application for the modernization of the banking-finance system in Vietnam. The survey results of 40 experts in banking with knowledge of Fintech identify five challenges faced by Fintech companies in Vietnam: (1) legal corridor; (2) infrastructure; (3) Fintech companies; (4) customers; and (5) human resources. From these five challenges/barriers, there are 14 detailed aspects. The results of the expert survey using descriptive statistics show that all five factors are assessed to be low and need to be better addressed in the future. The authors suggest several solutions for further development of Fintech to support the modernization of the banking-finance system in Vietnam: (1) quickly complete the regulatory framework; (2) introduce policies on tax exemption; (3) promote research and application of the benefits of block-chain technology; (4) utilize the abilities of the human resources; and (5) actively promote and popularize knowledge about Fintech.

• 디지털산업정보학회논문지
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• 제6권4호
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.

• 한국정보시스템학회지:정보시스템연구
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• 제14권1호
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• pp.197-226
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• 2005

Recently, internet as well as internet banking are growing rapidly. Most banks in Korea provide internet banking services for customers. Internet banking became a major trend in the financial marketplace. There are a few empirical research in this area. Although quality of internet banking service is an important concept, there is a lack of theory-based empirical research in this area. Therefore, this paper is aimed at finding whether service quality of internet banking influence customer satisfaction, and whether characteristic of internet banking user influence relationship between customer satisfaction and service quality of internet banking. Furthermore, this paper identify whether customer satisfaction influence customer loyalty. The research model proposed thirteen hypothesis and tested empirically. A total of 269 responses were received from internet banking users and analyzed. The analyses showed partial support for the affirmative effect of customer satisfaction and characteristic of internet banking user. But the relationship between customer satisfaction and customer loyalty is significant. Implications of these findings are that internet banking sites should concentrate on providing a high quality of banking services; information, trust, ease of use, and security of system and thereby strengthen customer loyalty.

• Asia pacific journal of information systems
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• 제19권4호
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• pp.1-28
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• 2009

Banking industries have continuously innovated through technology-enhanced products and services. Many studies have recognized the importance of the Internet in banking industries, arguing that it has been widely adopted. Many studies published on the Internet banking in specific countries are mostly related with such issues as internet banking adoption and acceptance, security and risks of online banking system, and interface design. Several studies have been done to examine the differences and similarities between other banking channels and the Internet banking. However, to the best of our knowledge, only a limited number of studies has examined the differences and similarities between two specific countries in order to create a new customer satisfaction model. In this research, we studied the internet banking satisfaction model by comparing two countries: South Korea and Indonesia. We conducted an empirical study based on the data collected in both two countries. In this research, we found that countries which have adopted electric banking services, particularly between a country with high ICT adoption and a country with low ICT adoption, show different satisfaction trends. Based on the study results, herein we provide discussion, managerial, and practical implications.

• 한국콘텐츠학회논문지
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• 제21권9호
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• pp.312-321
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• 2021

은행과 핀테크 기업 모두가 참여하는 오픈 뱅킹이 전면시행되면서 새로운 형태의 제품, 서비스 및 비즈니스 등 사회 전반에 변화가 초래되고 있으며, 특히 금융회사를 포함한 금융환경 전반의 큰 변화가 예상되고 있다. 이렇게 새로운 시스템과 환경이 변화할 때 마다 시스템 사용자들의 기술 수용에 대한 연구는 지속적으로 이어져 왔으며, 본 연구 역시 오픈 뱅킹의 특성이 기술수용모델의 지각된 용이성과 유용성, 그리고 오픈 뱅킹의 사용의도에 어떠한 영향을 미치는지 검증하였다. 연구 결과, 정보 제공성과 서비스 상호작용성, 시스템 안정성 모두 지각된 용이성과 유용성 그리고 오픈 뱅킹의 사용의도에 유의한 영향을 미치는 것으로 나타났다. 향후 오픈 뱅킹은 데이터 공유, 재무 접근성, 은행 인프라, 상품 혁신 및 가격결정 등에 중대한 이익을 가져올 수도 있지만, 예상치 못한 피해를 가져올 수도 있을 것으로 전망된다. 따라서, 국내 금융기관들은 디지털 환경변화에 따라 사업 환경이 크게 변하고 있는 상황에서 적극적으로 대처해야 하며, 핀테크 기업들을 적극적으로 육성하는 동시에 금융 산업의 혁신을 도모해야 할 것이다.

• KDI Journal of Economic Policy
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• 제12권3호
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• pp.71-94
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• 1990

본고(本稿)서는, 최근 자유금융학파(自由金融學派)와 신화폐경제학과(新貨幣經濟學科)들의 등장으로 화폐(貨幣) 금융문제(金融問題)에서의 자유경쟁(自由競爭) 및 자유방임주의적(自由放任主義的) 사고가 새롭게 확산되고 있는 시점(時點)에서, 정부(政府) 및 중앙은행(中央銀行)의 화폐(貨幣) 금융개입(金融介入)의 이론적(理論的) 근거(根據)와 그에 관련된 논쟁(論爭)을 다음의 6가지 논거(論據)들을 중심으로 개관해 보았다 : (1) 자유금융하(自由金融下)의 銀行券(은행권) 초과발행(超過發行) 가능성(可能性), (2) 화폐사용에 있어서의 외부경제효과(外部經濟效果)와 화폐제도의 공공재적(公共財的) 성격(性格) (3) 화폐발행업무의 규모(規模)의 경제(經濟)와 자연독점적(自然獨占的) 성격(性格), (4) 실물부문(實物部門)의 불안정성(不安定性)과 거시안정화정책(巨視安定化政策)의 필요성, (5) 은행금융시장(銀行金融市場)의 불안정성(不安定性)과 은행파산(銀行破産)의 외부효과(外部效果), (6) 소액거래자(少額去來者) 및 예금자(預金者)의 보호(保護) 이러한 논거들에 의하면 외부화폐(外部貨幣)(outside money)의 공급은 전형적인 공공재이론(公共財理論)이나 기술적(技術的) 독점주장(獨占主張)이 적용되는 경우이기 때문에 외부화폐제도(外部貨幣制度)의 유지에 있어서 정부(政附)나 중앙은행(中央銀行) 독점(獨占) 및 개입(介入)이 불가피하고 또한 바람직하지만, 내부화폐(內部貨幣)(inside money)제도(制度)의 경우는 적절한 최소한의 안전장치만 강구된다면 최근의 자유금융학파(自由金融學派) 및 신화폐경제학과(新貨幣經濟學科)들의 주장과 같이 사적(私的) 자유경쟁(自由競爭)이 보다 활성화되도록 하는 것이 바람직할 것으로 판단된다 . 한편 외부화폐제도(外部貨幣制度)에의 개입(介入)에 따른 (정부(政府) 및) 중앙은행(中央銀行)의 거시통화정책기능(巨視通貨政策機能)은 물론, 보다 자유화(自由化)된 내부화폐제도하(內部貨幣制度下)에서도 중앙은행(中央銀行)의 최종대여자기능(最終貸與者機能)과 미시적(微視的) 감독기능(監督機能)은 동(同) 제도(制度)의 안전성(安全性)을 유지하기 위해 중요한 역할을 할 것으로 보인다.

• Journal of Information Technology Applications and Management
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• 제19권4호
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• pp.19-39
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• 2012

Korean core banking system has been redeveloped twice in the last 30 years with big-bang method, but still needs innovation to meet everlasting business changes. The objective of this study is to identify which decision criteria lead to replacement decision of core baning system in spite of its huge investment and accompanying business risk. For the study, we conducted a survey to 64 decision makers working in banks and IT service companies, and analysed the data using factor analysis and multi-regression analysis method of SPSS. As a result, we extracted statistically valid decision model with 4 major decision criteria, which are IT external, IT internal, IT ecology and Executive's will factor. Among them, we concluded only IT internal and IT ecology criteria give significant influence over the replacement decision of existing core banking system.

• 정보처리학회논문지:소프트웨어 및 데이터공학
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• 제2권12호
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• pp.841-848
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• 2013

오늘날 금융이 급격하게 변화함에 따라 e-뱅킹 시스템을 개발하는 프로젝트의 구축 기간은 점차 짧아지고 있고, 이로 인해 구축에서의 위험 또한 증가하고 있다. 때문에 금융사는 프로젝트 개발 중에도 시스템의 품질을 검토하길 요구한다. 하지만 개발사 입장에서 이와 같은 추가적인 품질 검토는 투입되는 노력으로 인해 개발을 지연시키는 요인이 되고, 결국 금융사와 개발사의 갈등을 야기한다. 이와 같은 문제를 해결하기 위해 이 논문에서는 e-뱅킹 시스템에 특성을 고려하여 우선순위를 정의하고, 이를 통해 효율적인 코드 인스펙션을 위한 범위 우선순위 판단 기준을 설계한다. 설계된 코드 인스펙션 범위를 이용하여 적은 노력으로 효율적인 코드 인스펙션을 수행할 수 있으며, 해당 범위를 활용하여 좀 더 고품질의 프로덕트를 개발할 수 있을 것으로 기대된다.