• 융합보안논문지
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• 제6권2호
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• pp.13-20
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• 2006

국내 인터넷뱅킹 환경은 Microsoft 사의 Internet Explorer(IE) 브라우저에 맞게 구축되어 있어 Linux나 FreeBSD 등과 같은 공개 운영체제 및 웹 브라우저에서는 인터넷뱅킹 서비스를 이용할 수 없었다. 이런 문제 해결을 위해, 본 논문에서는 먼저 SEED를 이용한 공개 소프트웨어 환경에서의 전자 지불 시스템을 위한 전자 서명 시스템을 개발한다. 국내 인터넷뱅킹은 현재 공인인증기관이 발행하는 공인인증서를 통해 인증 및 전자서명 검증이 이루어져야 하는데, 그에 맞춰 공인 인증서 유효성 검증 시스템을 분석 및 개발한다. 마지막으로 자체 개발한 웹 서버에서는 이미 가상 인터넷 뱅킹환경이 구축되어 있어 SEED가 포팅 된 모질라 환경을 가지고 있는 클라이언트에서는 인증서를 설치하여 기본 인터넷뱅킹 서비스를 가상으로 받을 수 있으며 인증서 인증 및 전자서명이 정상적으로 작동되고 있다는 것을 구현을 통해 확인했다.

• 한국항행학회논문지
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• 제25권5호
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• pp.415-425
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• 2021

금융권은 디지털 전환 흐름에 맞춰 새로운 기술로 금융서비스를 제공하고 있다. 그 중 전세계 금융업계의 관심을 주목받고 있는 오픈뱅킹(Open Banking)은 고객 편의성과 데이터 활용에 극대화된 서비스 환경이다. 빠른 디지털 패러다임의 전환은 데이터 공유로 인한 정보유출, 해킹 등 보안 문제 역시 우려된다는 불안감도 증가시켰다. 이러한 부정적인 시각을 극복하지 못한다면 금융서비스 발전을 저해하는 요인이 될 것이다. 본 연구에서는 디지털 금융 생태계에서 데이터를 안전하고 포괄적 관리할 수 있는 보안 거버넌스 체계를 제시한다. 이는 오픈뱅킹 서비스 환경에 초점을 맞춰 현업 종사자들에게 디지털 금융보안 아키텍처를 제시함으로써 기술적 적용 방안을 마련한다. 금융 IT가 변화하는 환경에서 오픈뱅킹 서비스를 도입하고 활용할 수 있는 종합적 정보보호 체계를 제시함으로써 본 연구의 가치가 있다고 볼 수 있다.

• 디지털융복합연구
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• 제9권1호
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• pp.51-59
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• 2011

The objective of this paper is to identify factors influencing intention to use ubiquitous banking service focusing on potential users using a regression model. Through this, providers of ubiquitous banking services can get an idea of future development, including marketing strategy through the results of this analysis. This paper proposes that perceived usefulness is the most important factor influencing the uptake of ubiquitous service. Also in addition, ANOVA test shows that higher education level of the user can lead to the higher intention to use an ubiquitous banking service. In this study, we set up a model by using the most basic factor among influential factors presented in previous studies as an independent variable. However, other research variables which affect acceptance of ubiquitous service should be considered by thinking more diversely.

• 유통과학연구
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• 제20권9호
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• pp.11-21
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• 2022

Purpose: Many concerns have appeared in banking sector in the digital era and one of them is that technology development will increase operation costs of banks. Motivated by this issue, our study aims to explore the effect of technological and digital investments on cost-effectiveness of banking operation. Research design, data and methodology: To reach a clear answer, we use the data of 12 commercial banks spanning from 2011 to 2020 in Vietnam and employ multivariate regression analysis as well as perform various robustness tests. Results: Our regression result indicates that the adverse effect of technological spending on cost-effective operation. This finding still remains unchanged when we conduct different robust tests. Also, we find that this negative impact becomes more evident in large banks than in small ones. Conclusions: The paper provides one of the most important empirical results for mangers and policy-makers in banking sphere, especially in Vietnam where regulators have been calling for continuously investing into technological innovation in banks. The evidence confirms that banks should carefully consider an increase in spending on distribution information and communication technologies when constructing business strategies related to expanding digitalization. Our research is also useful for countries having similar financial structure to Vietnam.

• 디지털융복합연구
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• 제10권11호
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• pp.137-144
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• 2012

현재 국내은행 및 외국계은행 이용자는 인터넷뱅킹을 통해 편리하게 조회, 자금이체, 대출신청과 같은 서비스를 이용하고 있고, 이 같은 인터넷뱅킹 이용추세는 증가하고 있다. 본 논문은 인터넷뱅킹 이용과정에 사용자가 중요하다고 생각하는 요인을 결정하고, 각 요인의 상대적 중요도를 파악하고자 한다. 이를 위해 전국적으로 18세 이상 성인을 대상으로 직접 조사하였다. 연구결과 사용 용이성과 유용성, 보안, 흥미, 신뢰성의 네 개의 요인이 확인되었다. 이 결과는 인터넷뱅킹 연구자, 은행의 인터넷뱅킹 서비스를 담당하는 실무자와 정책결정자가 더 나은 서비스를 제공할 수 있는 지침을 제공할 것이다.

• 디지털산업정보학회논문지
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• 제5권4호
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• pp.231-247
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• 2009

With the growth of e-commerce banks make the best use of internet banking which can provide all sorts of financial services in cyber space and satisfy customers beyond traditional banking services which are cash reserve and loan based on retail. For survival of internet banking high quality of service should be provided to customers. For this, the attributes of service quality in internet banking should be identified first. The studies on scale of service quality in internet banking have been divided into two ways. While traditional way has focused on SERVQUAL, several researchers have developed scale of e-service quality. However, the dimension of e-service quality is applied from the traditional dimension of service quality. In this paper five dimensions of tangibles, reliability, responsiveness, assurance, and empathy based on SERVQUAL are used as scale of service quality in internet banking through reviewing previous studies. In addition, because service value is correlated to service quality, the dimensions of service quality can affect e-service value. The positive relationship among e-service value, customer satisfaction, and customer loyalty in online or offline service has been identified by previous studies. The purpose of this study is to identify the relationship among service quality, e-service value, customer satisfaction, and customer loyalty in internet banking. SPSS 12.0 is used to test validity and reliability of questionnaire items and correlation of variables and AMOS 4.0 is used to test the hypotheses. The results of this study show that the responsiveness, assurance, and empathy factors of service quality have a positive effect on service value and that the tangible and assurance factors have a positive effect on customer satisfaction. It also shows that e-service value affects positively customer satisfaction and loyalty. Customer satisfaction affects positively customer loyalty. Therefore, to enhance customer satisfaction and loyalty, service quality and value of internet banking should be improved through reinforcing customers' trust in internet service quality.

• 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.

• 유통과학연구
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• 제21권2호
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• pp.21-34
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• 2023

Purpose: The goal of this study is to examine what makes young people more likely to use digital banking. This is because digital banking services and their distribution channels are technologically advanced, which can be a double-edged sword between ease of use and resistance to technology. Research design, data and methodology: This study included 320 participants from generation Z in Jakarta who use digital bank and used a quantitative method with PLS-SEM. Results: This study explains how, in addition to usefulness, costs, and self-efficacy, resistance to technology has a direct effect on usage attitudes. Meanwhile, if the attitude of use is preceded by aspects of usefulness, self-efficacy, and awareness, resistance to technology will be felt indirectly. Conclusions: This demonstrated that most discussed factors, such as Ease-of-Use and security of use, are important for Generation Z users but no longer a major consideration in accepting digital banking. Aside from being more open to the use of technology in digital banks, Generation Z also desires a balance of technology services and benefits. The limitations of this study are that it excludes social variables, uses certain generations, and limits the research area to one large city, which can be expanded in future studies.

• 디지털융복합연구
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• 제13권11호
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• pp.35-43
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• 2015

이 논문은 인터넷뱅킹 가입자들을 대상으로 인구통계변수와 이용 동기에 따른 인터넷뱅킹 이용 태도에 대하여 탐구하였다. 인터넷 뱅킹 고객의 태도분석을 위해 설문을 통한 자료수집 후 분산분석과 회귀분석을 사용하였다. 그 결과 연령과 경험에 따라 경제적 동기에 유의한 차이를 보였다. 남성 이용자는 여성에 비해 재미와 정보수집 동기가 높았다. 사용경험이 길고 방문횟수가 높은 이용자는 인터넷 뱅킹과 은행에 대한 태도에 유의한 영향을 주었다. 태도에 영향을 미치는 모든 동기요인은 금융상품과 인터넷 뱅킹에 영향을 주고 있다. 이 연구는 인구통계변수에 따른 인터넷뱅킹 태도와 동기에 대한 특성을 제시하였으며, 이 결과는 인터넷 뱅킹 이용자를 어떻게 동기부여 할 것인가와, 자사 은행과 뱅킹 사이트에 대해 긍정적인 태도를 갖도록 할 것인가에 이용될 수 있을 것이다.

• 대한전기학회:학술대회논문집
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• 대한전기학회 2003년도 학술회의 논문집 정보 및 제어부문 A
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• pp.143-146
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• 2003

In mobile Internet banking service through wireless local area network, security is a most important factor to consider. We describe the development of mobile banking service using Personal Digatal Assistant (PDA). In order to increase the strength of encryption, we adopted hybrid approach where both of the public key algorithm and the secret key algorithm are used during the transaction among PDA, banking server and authentication server.