• 한국중재학회지:중재연구
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• 제11권1호
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• pp.247-286
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• 2001

This study is to analyze e-commerce issues and how to settle arbitration dispute resolution. Considering internet related business spread out worldwide, the dispute is incurred in variety areas. To resolve the dispute of e-commerce, government has been released several laws for protecting legal transaction, information exposure, and internet security, etc. However, internet related technology is changing rapidly and dispute issues are coming out at many different models. Upon that environments, law and rules could not be followed to meet the technology change. That issues are made for this study. In this study, outlook of e-commerce, status of domestic and overseas of internet business, e-commerce and security issues were analyzed, and empirically comparative analysis was driven out and variety dispute cases were studied. Upon that study the resolution methods were suggested and arbitration settlement was proposed prior to legal sue. This study results are how to minimize the disputes and the method of dispute settlement. Therefore, a role of arbitration proposed and emphasized. To protect the dispute in advance, it's suggested to revise rules timely following on technical changes, and emphasized that the dispute has to lead to arbitration settlement not for consuming unnecessary time and finance for enterprises and consumers.

• The Journal of Asian Finance, Economics and Business
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• 제7권2호
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• pp.181-193
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• 2020

The midst competition makes a brand all together with its offering products and services is becoming a crucial element for company existence. This requires direct involvement from internal organizational to develop effective strategic branding. According to Asosiasi Penyelenggara Internet Indonesia (APJII), Indonesia's internet penetration is among the highest in Asia. The purpose of this research is to improve the strategic role of brand orientation within Internet Service Provider (ISP) for maximizing return on the company's financial and non-financial benefits by proposing organization change readiness variable. The data collection is taken using an online survey with a non-parametric sampling method and collected 68 qualified respondents for data analysis using SEM-PLS (Structural Equation Modeling with Partial Least Square). The result indicates partial hypotheses on the constructed model between variables brand orientation, brand commitment, and internal brand equity is acceptable. Another finding is stated hypotheses on organization change readiness as moderation is not accepted and means there is no significance to the constructed model. The main conclusion resumes associative human memory can shape up organization change readiness inside internal toward then brand. Relevant cues generate information received in the human brain then will create common associative and becoming social identity on internal brand equity.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.789-800
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• 2020

This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer's Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제13권2호
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• pp.978-1002
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• 2019

With the rapid development of the Internet of Things, the problem of privacy protection has been paid great attention. Recently, Nikooghadam et al. pointed out that Kumari et al.'s protocol can neither resist off-line guessing attack nor preserve user anonymity. Moreover, the authors also proposed an authentication supportive session initial protocol, claiming to resist various vulnerability attacks. Unfortunately, this paper proves that the authentication protocols of Kumari et al. and Nikooghadam et al. have neither the ability to preserve perfect forward secrecy nor the ability to resist key-compromise impersonation attack. In order to remedy such flaws in their protocols, we design a lightweight authentication protocol using elliptic curve cryptography. By way of informal security analysis, it is shown that the proposed protocol can both resist a variety of attacks and provide more security. Afterward, it is also proved that the protocol is resistant against active and passive attacks under Dolev-Yao model by means of Burrows-Abadi-Needham logic (BAN-Logic), and fulfills mutual authentication using Automated Validation of Internet Security Protocols and Applications (AVISPA) software. Subsequently, we compare the protocol with the related scheme in terms of computational complexity and security. The comparative analytics witness that the proposed protocol is more suitable for practical application scenarios.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.465-473
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• 2021

This research is motivated by the concept of online banking or Internet banking where consumers aren't required to visit a bank branch to complete most of their basic banking transactions. They can do all of this at their own convenience, wherever they want. This research aims to find out the role of e-satisfaction in mediating the influence of e-service quality on the e-loyalty of the customer of a private bank in Indonesia. The method of data collection in this research is by using probability sampling with the simple purposive sampling technique. Data that is collected from 205 respondents is the data that meet the criteria, which are the respondent needs to be a bank customer and must have an Internet banking account. The analysis method that is used is regression analysis through the SEM method with the aid of SmartPLS 3.0 software to test the significance of e-satisfaction role in mediating the relationship between e-service quality and e-loyalty. The research result shows that e-service quality has a significant positive influence on e-satisfaction; e-satisfaction has a significant positive influence on e-loyalty, e-service has a significant positive influence on e-loyalty, and e-satisfaction significantly mediate the influence of e-service quality towards e-loyalty.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제6권8호
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• pp.1982-1997
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• 2012

Authenticated multiple key agreement protocols not only allow participants to agree the multiple session keys within one run of the protocol but also ensure the authenticity of the other party. In 2011, Dehkordi et al. proposed an identity-based authenticated multiple key agreement protocol. In this paper, we demonstrate that Dehkordi et al.'s protocol is vulnerable to impersonation attacks. Furthermore, we have found that their protocol cannot provide perfect forward security or mutual security. Then we propose an identity-based authenticated multiple key agreement protocol which removes the weaknesses of the Dehkordi et al.'s protocol. Compared with the multiple key agreement protocols in the literature, the proposed protocol is more efficient and holds stronger security.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제4권3호
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• pp.411-427
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• 2010

Data sharing is an essential process for collaborative works particularly in the banking, finance and healthcare industries. These industries require many collaborative works with their internal and external parties such as branches, clients, and service providers. When data are shared among collaborators, security and privacy concerns becoming crucial issues and cannot be avoided. Privacy is an important issue that is frequently discussed during the development of collaborative systems. It is closely related with the security issues because each of them can affect the other. The tradeoff between privacy and security is an interesting topic that we are going to address in this paper. In view of the practical problems in the existing approaches, we propose a collaborative framework which can be used to facilitate concurrent operations, single point failure problem, and overcome constraints for two-party computation. Two secure computation protocols will be discussed to demonstrate our collaborative framework.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제12권9호
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• pp.4487-4511
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• 2018

A fast image encryption system based on substitution and diffusion was proposed, which includes one covering process, one substitution process and two diffusion processes. At first, Chen's chaotic system together with an external 256-bit long secret key was used to generate the key streams for image encryption, in which the initial values of Chen's chaotic system were regarded as the public key. Then the plain image was masked by the covering process. After that the resulting image was substituted with the disturbed S-Box of AES. Finally, the substituted image was diffused twice with the add-modulo operations as the core to obtain the cipher image. Simulation analysis and comparison results with AES and some existing image cryptosystems show that the proposed image cryptosystem possesses the merits of fast encryption/decryption speed, good statistical characteristics, strong sensitivity and etc., and can be used as a candidate system of network security communication.

• 인터넷정보학회논문지
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• 제10권1호
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• pp.123-134
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• 2009

CRM(Customer Relationship Management)은 비즈니스 환경에서 기업의 이익과 경쟁적 우위를 차지할 수 있도록 하는 새로운 비즈니스 전략이다. 최근, 금융 산업은 자본시장통합법 시행을 앞두고(2009년) 금융 IT 산업 및 서비스에 대한 질적 양적 성장을 요구하고 있다. 이에 따라 증권, 보험, 은행, 선물, 자산운용사, 투신사들은 파생상품 및 서비스의 향상을 위해 노력하고 있다. 본 논문에서는 CRM 센터에서 증가하는 인바운드 고객 채널을 효율적으로 관리하기 위한 방안으로 대용량 채널 통합을 위한 채널 서버 모델을 제안하고 설계 구현하였다. 제안한 채널 서버 모델은 다양한 인바운드 채널 서비스를 통합 관리하고 표준화 하였다. 제안한 모델은 금융 서비스를 지원하는 뱅킹시스템, 증권사, 보험 등에서 인바운드 고객을 효율적으로 응대할 수 있다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제17권12호
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• pp.3218-3241
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• 2023

Financial fraud undermines the sustainable development of financial markets. Financial statements can be regarded as the key source of information to obtain the operating conditions of listed companies. Current research focuses more on mining financial digital data instead of looking into text data. However, text data can reveal emotional information, which is an important basis for detecting financial fraud. The audit opinion of the financial statement is especially the fair opinion of a certified public accountant on the quality of enterprise financial reports. Therefore, this research was carried out by using the data features of 4,153 listed companies' financial annual reports and audits of text opinions in the past six years, and the paper puts forward a financial fraud detection model integrating audit opinions. First, the financial data index database and audit opinion text database were built. Second, digitized audit opinions with deep learning Bert model was employed. Finally, both the extracted audit numerical characteristics and the financial numerical indicators were used as the training data of the LightGBM model. What is worth paying attention to is that the imbalanced distribution of sample labels is also one of the focuses of financial fraud research. To solve this problem, data enhancement and Focal Loss feature learning functions were used in data processing and model training respectively. The experimental results show that compared with the conventional financial fraud detection model, the performance of the proposed model is improved greatly, with Area Under the Curve (AUC) and Accuracy reaching 81.42% and 78.15%, respectively.