• 한국정보시스템학회지:정보시스템연구
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• 제18권2호
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• pp.1-18
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• 2009

Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

• 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.

• 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.

• 한국정보시스템학회지:정보시스템연구
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• 제14권2호
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• pp.1-23
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• 2005

Theoretically, both of fund transfer and balance inquiry which are typical Internet banking services are influenced by the beliefs on the use of Internet banking such as perceived risk and convenience, which have been shown as in the other studies. However, the use of fund transfer can be more sensitive than that of balance inquiry by the beliefs on Internet banking use since the former is not only more risk involved but also more complicated in using than the latter. The objective of this study is to analyze the relationship between the use of two Internet banking services-fund transfer and balance inquiry-and the beliefs on Internet banking use-security risk, convenience and social Influence. For this purpose, we provide the research model for explaining the difference between balance inquiry and fund transfer in the degree of influencing by security risk, convenience and social influence and test it empirically by collecting data from surveying for 206 internet banking users. In result, we show validity of the suggested model by Partial Least Square(PLS) approach.

• 인터넷정보학회논문지
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• 제18권2호
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• pp.31-42
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• 2017

인터넷 뱅킹 서비스가 보편화되면서 많은 사용자들이 온라인을 통한 재화의 교환이 가능하였다. 하지만 이러한 이점에도 불구하고 인터넷 뱅킹 서비스에서 존재하는 보안위협에 의하여 사고사례가 지속적으로 발생하는 실정이다. 이러한 문제점을 보완하기 위하여 인터넷 뱅킹 서비스의 전 구간에 걸쳐 다양한 보안기술이 적용되었으며, 본 논문에서는 금융기관 구간과 네트워크 구간에 적용된 보안기술에 대한 조사 결과를 서술한다. 본 논문의 결과를 통하여 내부자에 의하여 발생하는 피해사례와 구현과정에서의 취약점으로 인하여 발생하는 위협에 대응하기 위한 참고 자료로써 활용 가치가 있을 것으로 사료된다.

• 한국멀티미디어학회논문지
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• 제7권12호
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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.

• 한국정보시스템학회:학술대회논문집
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• 한국정보시스템학회 2003년도 춘계학술대회
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• pp.93-105
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• 2003

Although, recently, studies on Internet banking users' behavior have been frequently found in some academic journals, most of them have ignored security anxiety which may be considered as important factors influencing usages of Internet banking. We propose an research model for Internet banking users which is an extended version of the Technology Acceptance Model(TAM) by adding new variable, security anxiety. For empirical support of our model, we survey for 298 samples and analyze it by structured equation model(SEM). In result, our proposed model is proved as a valid one in which all hypotheses except one are accepted and the values of model fitness are relatively high.

• Asia pacific journal of information systems
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• 제17권1호
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• pp.77-93
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• 2007

Risk has been considered as one of very important topics in traditional consumer behavior theoretically and practically since its tendency of minimizing errors rather than maximizing utilization in addition to its intuitive appealing with very high explaining power. In addition to a traditional view of risk, importance of risk in online transactions such as Internet banking is due to technical instability in security of the Internet as well as temporal and spatial separation of transaction partners. Therefore, risk in online transactions should be analyzed by a very comprehensive way since it is very inherent in the Internet. The objective of this study is to suggest a research model for explaining the use of online transactions in some risk related variables including risk results, security result, perceived security, and social influence and show its validity by applying it to Internet banking users. In result, hypotheses suggested by our research model are shown to be valid ones.

• 디지털산업정보학회논문지
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• 제6권4호
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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.

• 정보화정책
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• 제24권2호
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• pp.20-42
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• 2017

본 논문은 인터넷 뱅킹 서비스의 안전성을 평가하기 위한 보안위협을 분류하고 보안 요구사항을 제안하는데 그 목적이 있다. 분류한 보안위협은 기존에 발생하였던, 그리고 발생이 가능한 보안위협을 기반으로 분석하였으며, 이를 통하여 보안 요구사항을 제안하기 위한 기반을 다질 것으로 사료된다. 보안위협 도출을 위하여 인터넷 뱅킹 서비스의 구조를 금융기관 구간과 네트워크 구간, 사용자 구간으로 분류하였으며, 각 구간에서 발생하는 보안위협을 도출하였다. 특히, 사용자 구간이 상대적으로 취약하기 때문에 전체 서비스의 안전성을 확보하기 어려운 상황이므로 이를 중점적으로 분석하였다. 분석한 보안위협을 토대로 안전한 인터넷 뱅킹 서비스를 구성할 수 있을 것으로 예상된다.