• 기술혁신연구
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• 제14권1호
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• pp.201-225
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• 2006

Technology Acceptance Model (TAM) considers perceived ease of use and perceived usefulness as the important determinants of user behavior regarding information technology. As an extension of TAM, this research examines perceived security as an additional determining variable to explain an individual's acceptance and use of mobile banking as well as internet banking. The results show that perceived ease of use does not affect the individual's attitude toward the use of mobile or internet banking, while perceived usefulness does. Furthermore, perceived security affects perceived usefulness in mobile banking, but not in internet banking. In addition, in mobile banking, perceived security is positively related to perceived usefulness, though perceived security is negatively related to attitude. Finally, the average scores of surveyed data for Internet banking are higher and significantly different than those for mobile banking.

• 통상정보연구
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• 제7권1호
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• pp.75-94
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• 2005

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.

• 한국정보시스템학회지:정보시스템연구
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• 제19권4호
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• pp.111-136
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• 2010

This study examined the difference in the usage of internet banking users between Korea and China. This model tests various theoretical research hypotheses relating to internet banking, The Unified Theory of Acceptance and Use of Technology(UTAUT). The factors influencing on the use intention of Internet banking have been classified as performance expectancy, effort expectancy, social influence and facilitating conditions. The proposed model was empirically tested using data collected from a survey of internet banking users in Korea and China. The model is used by SPSS 15.0 and AMOS 7.0 for analysis on the sample collected from 272 respondents. The result of hypothesis testing are as follows. First, performance expectancy and social influence positively influence use intention of internet banking user both Korea and China. Second, facilitating conditions only positively influence on the usage of internet banking users in Korea. On the other side, effort expectancy do not influence the use intention of internet banking users in both two countries. The results of study will provide practical implications on the internet banking in Korea and China.

• 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.

• 한국전자거래학회지
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• 제3권1호
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• pp.155-173
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• 1998

In this paper we present the development of internet banking and its impact on financial market. The internet banking has been introduced since 1990s, from which customers could obtain most financial services over internet, and will replace with the traditional banks. According to a survey, most of bankers agree that internet will play an important role in banking industry. The internet banking has an enormous impact on the transfer system and banking industry. The transfer system is divided into two-large-value transfer system and small-value transfer system, depending on the size of its transfer amount. The internet banking will enhance the transfer system, especially small-value transfer system. It will reduce the time lag between transaction of service and its payment. However, a congestion or a blockage in a part of network might stop the financial service all over the network, which is called "computer risk". As internet banking develops, banks have incentives to reduce their branches and have to compete with information-business companies which can offer financial EDI.

• Asia pacific journal of information systems
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• 제19권4호
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• pp.1-28
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• 2009

Banking industries have continuously innovated through technology-enhanced products and services. Many studies have recognized the importance of the Internet in banking industries, arguing that it has been widely adopted. Many studies published on the Internet banking in specific countries are mostly related with such issues as internet banking adoption and acceptance, security and risks of online banking system, and interface design. Several studies have been done to examine the differences and similarities between other banking channels and the Internet banking. However, to the best of our knowledge, only a limited number of studies has examined the differences and similarities between two specific countries in order to create a new customer satisfaction model. In this research, we studied the internet banking satisfaction model by comparing two countries: South Korea and Indonesia. We conducted an empirical study based on the data collected in both two countries. In this research, we found that countries which have adopted electric banking services, particularly between a country with high ICT adoption and a country with low ICT adoption, show different satisfaction trends. Based on the study results, herein we provide discussion, managerial, and practical implications.

• 대한안전경영과학회지
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• 제5권2호
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• pp.41-51
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• 2003

Next Generation internet banking service for important role of banking business competitive power separates service function of individual banking and should equip various service that coincides in each special qualities these are customer management, portfolio management, global corporation support etc. The past few years have been characterized by rapid changes in technology and the introduction of corporate and retail banking services through the Internet. the integration of e-banking platforms with legacy systems and the increasing dependence of banks on third party information service providers, all dramatically amplify the magnitude of risks to which banks are exposed. Risk management disciplines have not evolved at the same speed and many institutions, especially the smaller ones, have not been able to incorporate Internet banking risk controls within their existing risk management structures. This article provides an overview of the various risks which are heightened with Internet banking, and a holistic approach to managing these risks. In addition, the presentation will explain the different risk areas and the controls to be adopted to mitigate these risks.

• 디지털산업정보학회논문지
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• 제10권3호
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• pp.87-97
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• 2014

Pharming attack is a confidence trick that the hacker catch away customers financial information on Internet banking. At first, a hacker installs malicious execution code on customers PC in secret. As a customer tries to connect a Internet banking Web site, the malicious code changes it to phishing site in Internet explorer. The hacker catch away customers financial information in process of internet banking. The hacker steals money from customer's bank account using stolen information. PKI is a widespread and strong technology for providing the security using public key techniques. The main idea of PKI is the digital certificate that is a digitally signed statement binding an user's identity information and his public key. The Internet banking service stands on the basis of PKI. However, the bank is trusted in natural, the only customer is certified in the present Internet banking. In this paper, we propose a method of cross certification in Internet banking. The customer certify a bank and the bank certify the customer in proposed method. The method can service to customer the secure Internet banking about pharming attack. We compare the proposed method with other methods.

• International Journal of Computer Science & Network Security
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• 제21권12spc호
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• pp.513-520
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• 2021

The purpose of the article is to study the impact of digitalization on the transformation of the banking system, taking into account current innovative development trends. The article analyzes the impact of key factors on the development of the digital economy. Ukraine's ranking positions in terms of digital competitiveness are shown. The necessity of using digital technologies in the sphere of banking activity is substantiated. The dynamics of changes in the number of operating banks in Ukraine is analyzed. The directions of introduction of information technologies in the sphere of banking activity are determined. An analysis of changes in the share of the population of individual EU member states that use the Internet for Internet banking. It is noted that modern transformation trends, digitalization of the economy have a significant impact on the landscape of the banking sector, in this context, the rating of Ukrainian banks in the categories of "Internet Banking" and "Mobile Banking". The advantages and disadvantages of using the capabilities of Internet banking are identified. Based on the study, the importance of expanding the boundaries of digitalization of the domestic banking system is substantiated, which will further increase the level of availability of online services in the field of banking. Prospects for further research are identified in the study of the impact of digitalization on the development of the banking system of foreign countries.

• Asia pacific journal of information systems
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• 제23권1호
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• pp.65-86
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• 2013

Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing internet banking and mobile banking in Indonesia. Using a structural equation modelling approach. We found that system quality had positive impacts on perceived usefulness and end-user satisfaction for both internet banking and mobile banking. The development of e-banking (internet banking and mobile banking) in Indonesia is in its initial stage. Finally, although we tested for the common method bias to relieve concern, further research may use multiple methods when collecting the data. This study investigated the role of each dimension of IS success in the electronic banking environment. While the original IS success model emphasizes individual and organizational impacts, we have argued that trust is an important indicator of IS impact on an individual socially in the banking industry. The contribution of our study is two-fold. Conceptually, the study is the first to extend the IS success model to the e-banking context. We provide an extension of the updated IS success model by adding trust as an outcome variable in the research model.