• Journal of Technology Innovation
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• v.14 no.3
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• pp.183-208
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• 2006

Mobile banking is one of the most representative services applied to the mobile technology. However, there are few recent studies about the user acceptance of mobile banking, and prior studies only have been related to the positive effects of the service acceptances such as e-commerce and Internet banking service. The purpose of this research is to grasp the particular risk essentials in mobile banking which customers perceive, and the risk degree of user recognition which affect customer intention to adopt mobile banking through the exploratory research. The perceived risk is segmented into the performance risk, financial risk, time risk, social risk (or psychological risk), and privacy risk based on Cunningham's research (1967) and other recent studies. In the Unified Theory of Acceptance and Use of Technology (UTAUT), we have attempted to determine how different perceived risks have influence on the mobile banking adoption intentions of both the mobile banking users and potential users. The results indicate that performance expectancy, effort expectancy, and social influence have positive influences on the intention to use mobile banking service while perceived risk has a negative influence on the intention to use and performance expectancy.

• Communications for Statistical Applications and Methods
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• v.9 no.2
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• pp.425-434
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• 2002

In this paper, we evaluated the technological forecasting based on questionnaires of experts working in internet-banking industry. We prepared questionnaires on the 13 items. We examined specialties of respondents, relative importance of research contents, expected time of realization, likelihood of conviction on the expected time of realization, and their opinions on the levels of domestic's research and development comparing with advanced standards on each item. And we made various analysis based on data collected from Delphi method.

• Journal of Information Technology Applications and Management
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• v.17 no.2
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• pp.207-223
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Especially from current year when Carriers in domestic plans to provide the services using 2.5G networks the service providers choose wireless e-commerce as the main parts of wireless internet strategy and will provide a various of services. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• International Journal of Internet, Broadcasting and Communication
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• v.9 no.2
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• pp.48-57
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• 2017

In the last few years, banks have experienced more challenging market than any other times. They need to find new ways to reconnect with their customers and rebuild their trust. But in the race to the future some banks are taking clear lead. Research works show that while high perform leading banks are different, they also share some common characteristics and principles that have allowed them to move ahead to profitable growth. Cost cutting is no longer enough to succeed in tomorrow's world. Instead, the IT function needs to work shoulder-to-shoulder with the business to support the growth agenda. Therefore "C" level's attention is moving from cost reduction towards customer experience, speeding to market for new offerings, analytics and distribution channel enhancements, taking advantage of several levers that will shape the technology agenda for the high performing organization. Next generation of digital core-banking solutions will improve pre-existing capabilities, introduce new innovations and drive qualities such as flexibility and scalability to support time to market.

• International Journal of Internet, Broadcasting and Communication
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• v.8 no.2
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• pp.38-42
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• 2016

In this paper, we propose 3-factor mobile banking authentication scheme applied to face recognition techniques with existing certificate and OTP. An image of the user's face is captured by smart phone camera and its brightness processing of the contour of a face and background by n of X and Y points. Then, distance between the point of eyes, nose and mouth from captured user's face are compared with stored facial features. When the compared results corresponding to the data that stored in a face recognition DB, the user is authenticated.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.36 no.8B
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• pp.939-946
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• 2011

The Internet banking service provides convenience than the traditional offline services. However, it still causes a number of security problems including hacking. In order to strengthen security, the financial institutions have provided such authentication methods as the official authentication certificate, the security token, the security card and OTP. However, the incidents related to hacking have continuously occurred. Especially, various weak points have been suggested for the authentication methods in regard to such types of hacking as the memory hacking or the MITM attack. So I needed was a new authentication method. In this study, the two-channel authentication method which provide two-way authentication on the user's PC and mobile device when executing the electronic financial transactions in the Internet banking environment is suggested. Also, by analyzing it in comparison with other existing methods, it is possible to check that the prospects of safety and credibility are strengthened.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.36 no.4
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• pp.84-91
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• 2013

For service innovation, it is crucial to measure the quality of service and identify the factors which affect it. In this study, for that purpose, a composite research model based on SERVQUAL and the technology acceptance model is proposed. The model is applied to three different service areas-Internet shopping, Internet banking, and cloud service. Analysis has been performed using the SEM methodology. The analysis shows that reliability, responsiveness and assurance affects the service quality in different ways for each, the result of which enables us to identify quality-determining factors in various service areas.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 2004.10a
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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.

• Journal of the Korean Operations Research and Management Science Society
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• v.41 no.1
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• pp.71-85
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• 2016

Service channel environments have changed dramatically with the advent of new, online digital channels. This article studies the effects of perceived multi-channel service quality on customer satisfaction and loyalty in the banking industry and the moderating role of age, which is a characteristic of customers. The objective is to identify the quality factors that affect the overall satisfaction and loyalty of a multi-channel customer. A quantitative study was conducted on 900 customers, with the main targets being users of the nine primary Korean retail banks. Results show that perceived service quality of the physical environment, human service, Internet banking, mobile banking, and ATM has a positive influence on overall satisfaction and loyalty. Age moderates the relationship among physical environment quality, human service, and customer loyalty.

• The Journal of the Korea Contents Association
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• v.11 no.6
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• pp.372-384
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• 2011

The purpose of this study is empirically analyzing the effects of external factors(user knowledge, service characteristics, security), perceived risk, trust, ease of use, and usefulness on continuous customer acceptance in Internet banking. To achieve the goal, we develop the extended Technology Acceptance Model(Ex-TAM) based in the theoretical backgrounds of the Technology Acceptance Model(TAM). To test the new model(Ex-TAM), path analysis is performed by AMOS 4.0 package as a statistical tool. The finding indicate that 4 factors(service characteristics, ease of use, usefulness, trust) are significant. However, 2 factors(security, perceived risk) are not significant, user knowledge is partly significant.