• 한국정보보호학회:학술대회논문집
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• 한국정보보호학회 2002년도 종합학술발표회논문집
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• pp.121-124
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• 2002

In this paper, we present a secure on-line lottery protocol which consists of three entities: the players, the lottery provider and the bank. We utilize blind signature and hash chain technique as basic building blocks. Our protocol faithfully satisfies the general security requirements to deal with electronic transactions in safe. The proposed protocol reduces the number of communications and all transactions are executed through the Internet(On-line). By using bank as a notary and bulletin board managed by the lottery provider, we can easily settle down potential disputes which frequently occur during commercial transactions.

• 한국멀티미디어학회:학술대회논문집
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• 한국멀티미디어학회 2002년도 춘계학술발표논문집(하)
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• pp.797-801
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• 2002

Information network technologies introduce a new education environment. Cyber education is growing rapidly as a field of practice especially in distance education system. The development of multimedia environment based on such technology as graphics, image, voice, and video, personal computer systems use has become the media for interactive teaching-teaming service. These features have made integrated multimedia education feasible. This research suggested a direction for the development of an interactive distance education system. I have developed an education system which cooperate problem bank and learning system. This system support arbitration of the relative difficulty in the problem bank database. An ongoing version of this research was evaluated. Those findings reveal several factors that influence how the proposed system can be tailored to the students' perspectives in order to come up with the enhanced version of this system.

• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.317-325
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• 2022

The simple regression model (SRM) is used in this study to look at potential economic growth-influencing factors. The sample's period runs from 2005 to 2019. The data was gathered from various ministries and government agencies such as the Central Bank of Afghanistan's Statistical Bulletin, the World Bank, the United Nations (UN), World Bank open data, NASA, Ministry of Finance (MoF), Ministry of Economy (MoE), and Central Bank of Afghanistan's Statistical Bulletin (CBA), as well as the internet and news. There is an urgent need to ensure that taxes are collected in the most efficient manner possible because one of the enormous management gaps in Afghanistan over the last two decades has been tax evasion. According to the results of this study, tax evasion has a negative and significant impact on Afghanistan's economic growth. We can affirm that the subject of this article is among the most significant topics recently discussed in my country. If the right solutions are implemented, It can significantly contribute to quickening the cycle of the developing Afghan economy and turning it from an unstable to a sustainable one.

• 아태비즈니스연구
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• 제6권1호
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• pp.27-43
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• 2015

The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.

• 융합정보논문지
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• 제10권3호
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• pp.58-66
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• 2020

이 연구는 인터넷전문은행의 국내 금융소비자의 신뢰 수준을 토대로 연령대별 신뢰도 차이에 대해 다단 비교를 통해 실증 분석하고자 하였다. 이로써 국내 금융시장에 인터넷전문은행이 착근할 수 있는 토대에 대한 기초 연구 자료를 구축하고, 연령대별로 소비자 신뢰 구축 전략을 어떻게 차별화할 것인지에 대한 단초를 제공하려는 것이 이 연구의 목적이다. 이를 위해 먼저 이 연구에서는 연령대별로 금융소비자 그룹을 2030세대 그룹과 4050세대 그룹으로 분리하여 이 두 그룹의 신뢰감을 결정하는 요인을 탐색하고, 두 그룹의 차이를 다집단 분석방법을 통해 비교하였다. 연구 결과, 전 연령층에서 인터넷전문은행에 대한 금융소비자 신뢰는 편리성, 보안성 그리고 금융 거래 비용의 합리성이 결정요인으로 작용함을 보았다. 그리고 연령대별로 과연 신뢰 결정요인이 영향력에서 차이가 있는지를 살펴본 결과, 3개의 신뢰 결정요인 중 비용의 합리성 요인이 젊은 층과 중장년층 간 신뢰 수준의 차이를 발생시키는 것으로 확인되었다. 그리고 소비자 신뢰는 추후 관계몰입으로 역시 강하게 연결됨도 재확인되었다. 이러한 연구 결과는 앞으로 시장 경쟁이 격화될 인터넷전문은행이 지속성장하기 위해 소비자 신뢰가 무엇보다 중요함을 시사한다고 하겠다.

• 한국산업정보학회논문지
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• 제14권1호
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• pp.73-89
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• 2009

본 연구는 은행 산업에서 소비자가 기존의 대면 서비스에서 셀프서비스 테크놀로지로 전환하는데 영향을 주는 요인을 도출 하는데 목적이 있다. 본 연구에서는 선행연구를 바탕으로 고객의 전환의도에 영향을 미치는 선행요인으로, 기존의 서비스에 대한 태도, 은행에 대한 태도, 그리고 전환에 따라 예상되는 결과를 제시하였고, 이들의 관계를 구조방정식모델을 통해 실증하였다. 분석결과 은행직원, 인터넷뱅킹, 그리고 현금입출금기기에 대한 소비자의 태도가 은행에 대한 태도에 유의미한 영향을 주는 것으로 나타났다. 특정 셀프서비스 기기에 대한 태도와 예상 결과 관계에서는, 인터넷 뱅킹과 자동 현금입출금기기에 대한 태도는 유용성과 즐거움의 대한 기대에 영향을 주는 것으로 나타났고, 인터넷뱅킹과 은행직원은 사회적 수용에 대한 기대에 영향을 주는 것으로 나타났다. 은행에 대한 태도도 역시 즐거움이 직접적 관련이 있는 것으로 나타났다. 특정 셀프서비스 기기에 대한 태도와 전환의도와의 관계에서, 인터넷 뱅킹에 대한 태도는 전환의도에 정의 영향을 미치는 반면, 자동 현금입출금기기에 대한 태도는 전환의도에 부의 영향을 미치는 것으로 나타났다. 예상되는 결과에 대한 기대에서 즐거움과 사회적 수용성은 전환의도에 정의 영향을 미치는 반면, 유용성은 부의 영향을 미치는 것으로 나타났다.

• 한국경영과학회:학술대회논문집
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• 한국경영과학회 2004년도 추계학술대회 및 정기총회
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• pp.116-136
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• 2004

The objective of this study is to analyze the relationship between offline trust and use of online service focusing on Internet banking. For this purpose, we suggest an extended version of Technology Acceptance Model (TAM) that would explain use or acceptance of infer]nation technology especially in Internet based service areas. In order to connect offline trust with Internet banking use, TAM is extended by adding two variables - technical competence for security services that is one facet of trust on the bank's security technology and security risk that would influence use, perceived usefulness and perceived ease of use. Empirically our model is well proved with low significance level.

• 한국인터넷방송통신학회논문지
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• 제16권3호
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• pp.97-102
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• 2016

UFMC(Universal Filtered Multi-Carrier)는 최근 5G통신 시스템의 전송방식 후보로 주목 받고 있는 다중 반송파 송신기술 중의 하나이다. UFMC는 OFDM(Orthogonal Frequency Division Multiplex)의 단순함과 FBMC(Filter Bank Multi-Carrier)의 장점을 합쳐놓은 방식으로 볼 수 있다. CFO(Carrier Frequency Offset)는 다중 반송파 전송방식에서 부 반송파간의 불일치를 일으켜 BER 성능을 낮게 하는 문제점으로 작용하고 있다. UFMC에서의 CFO영향은 OFDM 보다는 크지 않지만 여전히 부 밴드간의 간섭을 일으켜 시스템 성능을 열화 시키고 있다. 이 논문에서는 UFMC에서 CFO의 변화와 EsNo값에 따른 SNR 열화를 분석 하였다.

• The Journal of Asian Finance, Economics and Business
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• 제6권1호
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• pp.169-175
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• 2019

Service quality has been a point of discussion from the decades as it is important for customer satisfaction, loyalty and retention. Various models have been proposed to measure the quality in the service sector. Models are modified in accordance with context and geography to assess the quality of service better. This study aims to investigate the impact of the modified e-SERVQUAL model on the customer perception about the existing relation and potential scope of doing business with a bank which in-turn will decide the performance of the bank. Statistical data was analyzed through various tests like reliability analysis, correlation and regression analysis using SPSS 25.0. The primary data of e-SQ and performance was gathered from 721 internet banking users using 32 item questionnaire, representing 72% response rates, of four selected Islamic banks of Malaysia. E-SERQUAL was modified by adding Shariah Compliance information about banks and products for Islamic banking customers. The finding specified that efficient & reliable services, fulfillment, security/trust, and Shariah compliance information have a significant association with the performance of Islamic banks. The research is original and its implications will be helpful for Islamic banks across the world to enhance the online experience of customers, which will help them to retain the customers in the rapid changing virtual environment.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제15권8호
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• pp.2879-2899
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• 2021

The tone reservation (TR) scheme is an attractive method to reduce peak-to-average power ratio (PAPR) in the filter bank multicarrier with offset quadrature amplitude modulation (FBMC-OQAM) systems. However, the high PAPR of FBMC signal will severely degrades system performance. To address this issue, a cyclic shift based TR (CS-TR) scheme with embedding side information (SI) is proposed to reduce the PAPR of FBMC signals. At the transmitter, four candidate signals are first generated based on cyclic shift of the output of inverse discrete Fourier transform (IDFT), and the SI of the selected signal with minimum peak power among the four candidate signals is embedded in sparse symbols with quadrature phase-shift keying constellation. Then, the TR weighted by optimal scaling factor is employed to further reduce PAPR of the selected signal. At the receiver, a reliable SI detector is presented by determining the phase rotation of SI embedding symbols, and the transmitted data blocks can be correctly demodulated according to the detected SI. Simulation results show that the proposed scheme significantly outperforms the existing TR schemes in both PAPR reduction and bit error rate (BER) performances. In addition, the proposed scheme with detected SI can achieve the same BER performance compared to the one with perfect SI.