• Asia pacific journal of information systems
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• v.19 no.3
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• pp.1-23
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• 2009

In information systems, "trust" and "risk" have been explored by a few trust-related research studies before, but as two separate issues. The way in which these studies have been designed, however, does not help clarify the relationship between trust and risk since they are studied as unconnected determinants of trusting behavior in electronic commerce. As such, this research attempts to examine and specify the relationships among the core constructs surrounding the issue of trust such as risk and trusting behavior. The context of Internet banking adoption is used to develop a conceptual model that incorporates the direct effects of trust and perceived risk on trusting behavior as well as the mediation of the relationship between trust and trusting behavior by perceived risk. The findings show that perceived risk mediates the relationship between trust and trusting behavior. Specifically, trust in the Internet as a banking medium significantly influences the adoption of Internet banking both directly and indirectly through perceived risk of Internet banking. Trust that the bank will not take advantage of consumers significantly influences the trusting behavior through perceived risk of Internet banking. This study, thus, extends research on trust in e-commerce by simultaneously examining the influence of trust and perceived risk on e-commerce adoption.

• Journal of Korean Society for Quality Management
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• v.33 no.3
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• pp.59-70
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• 2005

The purpose of this research is to identify the impact of trust on user acceptance of mobile banking and to identify if causalities among these factors are different between Internet and mobile banking. To test this model, this research applies the technology acceptance model(TAM) that incorporates trust. Additionally, this research use structural equation modeling to test the model and examine cross-group differences using a multi-group comparison method. The empirical results indicate that all path is significant expect the path from trust to intention to use. The results of a multi-group comparison test indicated that the path from trust to attitude, from trust to intention to use, from perceived usefulness to attitude and from perceived to intention to use are different between Internet and mobile banking.

• The Journal of Information Technology
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• v.5 no.3
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• pp.97-119
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• 2002

It is Study Service Model for Case Study of Internet Bank. With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This Study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

• Journal of Digital Convergence
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• v.13 no.11
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• pp.35-43
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• 2015

This paper examines Internet banking attitudes associated with demographics and motivations for Internet banking subscribers to access their online banking sites. To find out the relationships among demographics, motivation, and attitude, I conducted ANOVA and regression analysis using survey data. The results of the paper found that age group and experience were significant demographic variable impacting motivation of economic benefits and users with much experience. Male users had stronger motivation of entertainment and getting better information than female users. Users with longer experience and frequent visitors had positive attitude on financial products. All motivation factors had influences on attitudes on both of financial products and Internet banking. This study suggests the features of Internet banking attitudes and motivations by demographics, from which we can figure out how to motivate Internet banking users for them not only to actively access their online banks rather than visit banks in person but also to have positive attitudes on their banks and Internet banking.

• Journal of Digital Convergence
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• v.2 no.2
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• pp.77-87
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• 2004

The main purpose of this study is to establish the empirical model of internet banking system. The results of this study shows that the statistical significant lies in confidentially and response among many factors. And additionally another result for recommendation factor by legit analysis that there is the significant result. Thus in the present period, bank company will focus to rise up the reliance of the internet banking system.

• Journal of the Korean Data and Information Science Society
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• v.16 no.2
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• pp.301-311
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• 2005

This study has conducted to measure the internet banking customer satisfaction using structured equation model. Data was collected by e-mail system. Among survey panel who had experience of using Hanwha-Bank internet banking service, final samples were 2,848 respondents. The results showed that usage convenience and economy factor was most correlated with customer satisfaction. And we found that word-of-mouth behavior was affected customer satisfaction.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.4
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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.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 2000.10a
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• pp.125-128
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• 2000

The Internet banking service, through which customers process their banking-related works, was introduced in July 1997. The service has since spread quickly, and as of the end of June 2000, just one year after its introduction into Korea, its subscribers numbered 1.23 million people. This figure is ten times larger than the 120,000 subscribers recorded over the six months period up to the end of 1999. In addition, since the end of June 2000, subscriptions on average increase by more than 10,000 a day, and by the end of December 2000, it is expected to pass the 3 million mark. There has been no empirical study conducted on the invigorated Internet banking's status and its services. Therefore, this research is designed to conduct a survey on the Internet banking service status, to conduct actual transactions from the viewpoint of customers and then make a empirical evaluation of it. This will indicate directions for improvement and development of the domestic Internet banking service. We have evaluated ten areas of the Internet banking service including financial service, customers service, users'convenience, and system safety. As of the end of June 2000, 18 out of 20 commercial domestic banks are providing an Internet banking service, and we have conducted evaluations of all these banks. The evaluation is divided into ten categories with 100 points as a maximum score. These are then classified into six grades AAA, AA, A, BBB, BB and B. The outcome of this evaluation was featured in the major domestic journals, and the banks, acknowledging the value of the report, declared that they would adopt it as their criteria for evaluation.

• Information Systems Review
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• v.6 no.1
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• pp.19-36
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• 2004

The importance of Internet banking has been emphasized due to the spread of Internet and the potential advantages of Internet banking. In case of Korea, Internet banking users have been risen dramatically since 1999 after its introduction. The purpose of this study is to draw the antecedent variables that affect the adoption of Internet banking and show their effects empirically. In this paper, influencing factors are proposed to distinguishing Internet banking users from non-users. And nine hypotheses are empirically tested using logistic regression. The results show that most of hypotheses are supported except for complexity and IT innovativeness. And compatibility was found to have a strong positive effect on the adoption of Internet banking. Implications of these findings are discussed for researchers and practitioners.

• Journal of Korea Multimedia Society
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• v.7 no.12
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• pp.1719-1728
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• 2004

The fusion of Internet technology and applications with wireless communication provides a new business model and promises to extend the possibilities of commerce to what is popularly called mobile commerce, or m-commerce. In mobile Internet banking service through wireless local area network, security is a most important factor to consider. We describe the development of security service for mobile Internet banking on Personal Digital Assistants (PDAs). Banking Server and Authentication Server were developed to simulate banking business and to support certificate management of authorized clients, respectively. To increase security, we took hybrid approach in implementation: symmetric block encryption and public-key encryption. Hash function and random number generation were exploited to generate a secret key. The data regarding banking service were encrypted with symmetric block encryption, RC4, and the random number sequence was done with public-key encryption. PDAs communicate through IEEE 802.IIb wireless LAN (Local Area Network) to access banking service. Several banking services and graphic user interfaces, which emulatedthe services of real bank, were developed to verity the working of each security service in PDA, the Banking Server, and the Authentication Server.