• Journal of Digital Convergence
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• v.18 no.8
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• pp.133-149
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• 2020

The purpose of this study was to investigate the effect of perceived risk on continuous usage intention of Internet primary banks and to verify moderating effects of acceptance factors affecting customers' acceptance of Internet primary banks on the relationship between perceived risk and continuous usage intention. The study aims to find ways to cope with perceived risk and strategic measures of intention in order to increase the intention to continuous usage intention of Internet primary banks. For the analysis, interaction effect were conducted among a total of 457 surveys. As a results, First, perceived risks, acceptance factors and continuous usage intention of the customers of Internet primary banks were significantly correlated. Second, the types of perceived risks which have a significant effect on continued usage intention of Internet primary banks were found to be perceived financial and functional risks. Third, respect to moderating effects of moderator variables, usefulness was found to have a significant moderating effect on the relationship between perceived security risk and continuous usage intention. In addition, ease of use was shown to have a significant moderating effect on the relationship between each type of perceived risks and continuous usage intention. This study attempted to explore and seek strategies to reduce perceived risks and strategic plans for acceptance factors to increase continuous usage intention of Internet primary banks.

• The KIPS Transactions:PartD
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• v.11D no.7 s.96
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• pp.1507-1516
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• 2004

Recently, the most remarkable word is 'ubiuuitous' in field of information and communication. Ubiquitous has a meaning 'exist everywhere' that means our daily life is connect as network. It means we can get the information which in need whenever and wherever with safety. We predict this word will be symbolical keyword which lead an information-oriented society including the internet a quite long it. It's already per-meate to us the Ubiquitous. It's taken by CCTV when we visit bank. It's made to us can know the fastest way the GPS system to be connected by an artificial satcllite on mobile, and many people use mobile and PDA for investment in stocks. Among them, it has begun to spread many mobile services to us. In this paper, it's the aim a creation of value added through an efficient mobile services to use wireless internet different with previous way, cutting down on expenses and business modeling.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.8
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• pp.1920-1925
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• 2009

'05. June, the first Internet banking accident occurred by the malignant cord. It discontinued security programs for protecting important financial informations. A computer hacker had made a collation of password, OTP(One Time Password) values etc and illegally withdraw one´s savings from the bank using the financial information. The attackers are continuously attempted with the hacking tool under bypass security programs as the vaccine program or the personal fire-wall. Therefore, an electronic financial system should be composed with the goal which is to protect financial informations from user's terminal to a banking server. In this paper, we make an analysis of menaces in electronic financial transactions and explain considerable security issues to enhance safety in Internet banking, CD/ATM and mobile banking.

• Journal of Convergence for Information Technology
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• v.8 no.3
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• pp.99-105
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• 2018

The purpose to this study is to analyze the difference of trust toward Internet-only bank into two groups according to the gender. We specially examined whether there is any gap in the determinant of trust. For this, we attempted to analyze the significance of the difference in the path coefficients between the gender through latent mean and path analysis. As a results, the difference of the determinant of trust between the male and the female group occurred in the factor of benefit and security. Moreover, it reconfirmed that trust are later strongly extended to relationship commitment. These findings suggest that it's very important to establish a trust with customers.

• 한국경영정보학회:학술대회논문집
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• 2007.11a
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• pp.533-538
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• 2007

Since the Internet has been widespread all over the world, it has been getting more popular. Almost every bank that runs offline business has its own Web site to provide online banking service. In this study, we developed a research model based on the Technology Acceptance Model (TAM). We added the concepts of trust and cost to evaluate our model because trust is a major concept in adopting online service, and cost is one of the main strategies to attract customers to use online banking service. To see the validation of the model, we used partial least squares (PLS). A survey was done to gather data. The result was drawn from the model test, and we discuss it and conclude the study.

• Proceedings of the Korean Information Science Society Conference
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• 2006.10c
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• pp.606-611
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• 2006

본 논문에서는 인터넷뱅킹의 클라이언트 측에서 마우스로 비밀번호를 입력하는 새로운 기술을 제안한다. 제안하는 기술은 웹 페이지의 입력 창에 있는 내용을 가로채기하는 것과 PKI 암호 모듈로 위장한 모듈이 사용자 정보를 가로채기하는 것으로부터 안전하도록 구현되었으며, 기술 자체는 키 스트로크와 훔쳐보기로부터 안전한 특징을 갖는다. 제안하는 기술은 현재 인터넷뱅킹에 탑재 가능한 상용 제품 수준으로까지 구현된 상태이다.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.14
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• pp.237-256
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• 2000

Electronic commerce has been threatening to address the transaction inefficiencies in international trade that is conducted through letters of credit(L/Cs) and other forms of traditional paper-based financial instruments. The replacement of traditional paper documets with electronic alternatives is becoming more of a relity within a number of business sectors. The conceptual model of electronic L/Cs presented in this paper is intended to provide a framework for discussing the development of a paperless credit. The TradeCard network provides a business-to-business e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet. Sellers and Buyers should select the best payment methods of traditional L/Cs, electronic L/Cs, TradeCard, Bank Credit Card etc. in consideration of their business circumstances.

• Journal of Information Technology Applications and Management
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• v.16 no.1
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• pp.169-183
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• 2009

The purpose of this research, based on the Media Selection Theory, the Technology Acceptance Model, and the Social Influence Theory, is to investigate the influential factors that affect media selection in banking transactions. Analyses showed that for location sensitive bank windows and ATMs(automatic teller machines), defined as offline-based transaction channels, convenience was the variable affecting media selection. However, in the case of online media not related to location, (phone banking, internet banking, and mobile banking) reliability was the significant variable influencing use. The findings show that banking organizations may benefit from identifying traits of media affecting use, and should differentiate customer services for competitive advantage.

• Proceedings of the Korean Information Science Society Conference
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• 2007.10b
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• pp.11-16
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• 2007

최근 컴퓨터를 이용한 유전자 해석 기술이 급속히 발전함에 따라 DNA서열분석도구의 필요성도 늘어나고 있다. 그러나 DNA서열분석에 필요한 데이터베이스는 다양한 형태의 포맷이 제공되어 지고 있고, 유전자 서열 데이터의 처리를 위한 애플리케이션에서도 서로 다른 양식의 포맷이 사용되고 있다. 이로 인해 다른 형태의 포맷이 필요한 경우 별도의 파서를 구현 하는 문제가 발생한다. 이러한 단점을 보안하는 하나의 방법으로 GenBank에서 제공되는 XML파일을 이용한 웹2.0 환경인 RIA(Rich Internet Application)개발방식을 제안한다. RIA개발방식은 XML파서와 XML을 처리할 수 있는 E4X(ECMAScript for XML)와 같은 API를 제공 하여 XML로 리턴 되는 데이터를 쉽게 처리하여 화면으로 보여준다.

• Proceedings of the Korea Information Processing Society Conference
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• 2012.04a
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• pp.718-721
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• 2012

1995년 세계 최초로 미국의 SFNB(Security First Network Bank)가 온라인뱅킹 서비스를 시작한 이래, 온라인뱅킹의 보급률은 전 세계적으로 급격한 성장세를 보이고 있으며, 이러한 성장세는 스마트폰, IPTV 등 새로운 전자금융 환경이 형성되면서 앞으로도 지속 될 것으로 판단된다. 온라인뱅킹이 이렇게 성장할 수 있었던 이면에는 보안성이 확보된 인증기술의 지속적인 개발이 큰 역할을 했다. 최근 우리나라는 인증기술의 보안성, 편의성, 다양성을 높이기 위한 다양한 노력들이 일어나고 있다. 특히 인터넷 익스플로러 기반의 공인인증서를 대체하기 위해 적극적인 연구가 진행 중에 있다. 본 논문에서는 금융 선진국이라고 할 수 있는 해외 주요 선진국들의 온라인뱅킹에서의 인증기술들을 살펴보고, 이러한 인증기술들의 비교, 분석을 통해 앞으로 등장 가능한 인증기술을 전망하며 향후 온라인뱅킹 인증기술과 관련된 연구에 기반이 되고자 한자.