• Journal of the Korea Society of Computer and Information
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• v.24 no.9
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• pp.143-150
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• 2019

In recent years, interest in internet primary bank has increased in South Korea, and marketing strategies for the success of the bank are needed. The purpose of this study is to analyze the effect of bank choice attributes on satisfaction and behavioral intention of Internet primary bank users. A convenience sampling was used and a structural equation of AMOS 20.0 was used for hypothesis testing. The results of the study are as follows. First, information, transaction, and communication of the choice attributes have positive effects on satisfaction. Second, information, transaction, and communication of the choice attributes have positive effects on behavioral intention. Third, satisfaction has a positive effect on behavioral intention. The theoretical and practical implications and limitations of the research are presented in the conclusion.

• The Journal of the Convergence on Culture Technology
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• v.3 no.2
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• pp.37-42
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• 2017

An internet primary bank, which is formed by internet and banks combined, is called the essence of fin-tech, and is currently experiencing rapid growth. 'K-Bank' and 'Kakao Bank', the representative internet primary banks this year, received positive responses as the origin of financial revolution. internet primary banks provide convenient financial services, benefits in time and money for customers. Not long ago, however, undesirable fraud cases caused by a used commodity dealer have happened. The damage exceeds 20,000,000 won. It is because the newborn banks are unable to check the fraud history through the bank account. In this paper, We will analyze the trend in internet primary banks, offer damages and examples, in addition, prevention of damage, and strategies for development.

• Journal of Korea Society of Industrial Information Systems
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• v.23 no.1
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• pp.97-108
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• 2018

The objective of this study will investigate the approach to increase the intention to use Internet primary bank for those who do not use it at present. This study establishes a theoretical model that includes five independent variables - performance expectancy, effort expectancy, social influence, channel trust and trust toward bank - and one dependent variable - use intention -. The empirical results obtained in a sample of 145 university students are followings; The use intention is positively influenced by the performance expectancy, social influence and channel trust. The performance expectancy is the strongest predictor of the use intention. Effort expectancy and trust toward bank has no effect on intention to use Internet primary bank.

• Journal of Digital Convergence
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• v.20 no.2
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• pp.91-105
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• 2022

Most of the preceding studies related to Internet Primary banks are studies on laws, regulations, and expected effects of introduction, and studies on financial consumers' intention to switch to financial services are insufficient. Apply to the PPM(Push-Pull-Mooring)theory to find out the factors that influence financial consumers' intention to switch services from commercial banks to Internet Primary banks. A survey was conducted service users, 1st-order and 2nd-order factor analysis were performed using Smart PLS 3.0. As a result, it was confirmed that the Pull, Push and Mooring had a positive (+) effect on the Intention to Switch, and the Mooring, which is a moderating variable, did not have a moderating effect on the Intention to Switch of the Push and the Pull. The scope of application of the PPM theory, which was used in the service conversion research, was extended to Fintech services, and it can provide various practical useful implications, such as the strategy and spread of Internet Primary banks, and it will be used in various studies to study consumer attitudes.

• Journal of the Korea Convergence Society
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• v.9 no.12
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• pp.195-205
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• 2018

The purpose of this study was to investigate the effects of perceived risk, perceived benefits and trust on the intention of continuous use of Internet primary banks in order to explore ways for stable establishment and growth of Internet primary banks. In addition, the mediating effects of trust on the relationships among perceived benefits, perceived risk and intention of continuous use were tested. Through an online survey, 457 people aged 20-59 years who had experience of using an Internet primary bank within the last 3 months were selected as the subjects for this study. First, perceived benefits, perceived risk, and trust were found to have a significant influence on the intention of continuous use of Internet primary banks. Second, the partial mediation effect of trust on the relationships of ease of use and functional risk with intention of continuous use was confirmed, and the full mediation effect of trust on the relationships of attractiveness and innovativeness with intention of continuous use was verified. In order to achieve sustainable growth, Internet primary banks are required to increase major benefits of customers and lower the risk levels to build firm customer trust.

• 한국IT서비스학회:학술대회논문집
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• 2009.11a
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• pp.89-98
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• 2009

초고속 인터넷 서비스 보급의 확산에 따라 인터넷 이용이 더욱 편리해지고 일상화되면서 인터넷 뱅킹은 새로운 기술혁신의 수용이 아니라 생활 속에 자리 잡은 일상의 금융서비스가 되었다. 이러한 디지털 금융환경의 변화로 인해 이제 국내에도 인터넷 전문은행의 도입에 대한 시장여건이 한층 성숙되어지고 있으며, 이에 따라 인터넷 전문은행의 성공적인 시장 진입의 가능성에 대한 관심도 그 어느 때 보다 고조되고 있다. 본 연구는 이러한 시장의 관심을 반영하여, 기존 인터넷 뱅킹 사용자들이 인터넷 전문은행이 도입 될 경우 전환에 대해 어떠한 수용태도를 보일 것인지에 대해 실증 분석을 통해 그 가능성을 타진해 보고자 하였다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.6
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• pp.1503-1514
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• 2015

Non-face-to-face real name verification policy that financial authorities announced, in order to secure a face-to-face or more of accuracy, are in principle of multi check. The business model and legal entities of Internet banks is different from existing Internet banking. Relpacing real name verification from face-to-facd to non-face-to-face while maintaining the structure of identification can not only cause inconvenience to a first time member, but also can be more vulnerable to verious security risks. In this study, to evaluate a service level of a bank of the Internet, and provide an improved identification of the structure such that the registration and use of differentiated services is performed in accordance with the evaluation. In addition, the security that may occur with respect to Bank of the Internet to establish a vulnerability and attack model, the results of the analysis of the safety of the step-by-step security attributes and services of the authentication medium of each attack model, existing the safer than Internet banking, confirmed the usefulness in user registration guide.

• The Journal of the Korea Contents Association
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• v.9 no.12
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• pp.600-612
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• 2009

Special banks primarily using Internet have different properties in transactions with customers, risk management, capital strength, and branch networks with general banks. The success and failure factors of Internet banks have been explained only by the economies of scale, and learning and experience effects of Internet banks based on the perspective of organizational ecologies. In this study, the success factors of Internet banks are investigated based on strategic choice by organizations and resource-based view of the firms instead of organizational ecology perspective. To this end, 31 major Internet banks operating in overseas market have been classified by the size and profitability of banks, and three strategic groups have been derived. three representative company cases were analyzed. critical success factors of Internet banks were derived, and considerable points when operating Internet banks were discussed.

• Journal of Digital Convergence
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• v.18 no.8
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• pp.133-149
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• 2020

The purpose of this study was to investigate the effect of perceived risk on continuous usage intention of Internet primary banks and to verify moderating effects of acceptance factors affecting customers' acceptance of Internet primary banks on the relationship between perceived risk and continuous usage intention. The study aims to find ways to cope with perceived risk and strategic measures of intention in order to increase the intention to continuous usage intention of Internet primary banks. For the analysis, interaction effect were conducted among a total of 457 surveys. As a results, First, perceived risks, acceptance factors and continuous usage intention of the customers of Internet primary banks were significantly correlated. Second, the types of perceived risks which have a significant effect on continued usage intention of Internet primary banks were found to be perceived financial and functional risks. Third, respect to moderating effects of moderator variables, usefulness was found to have a significant moderating effect on the relationship between perceived security risk and continuous usage intention. In addition, ease of use was shown to have a significant moderating effect on the relationship between each type of perceived risks and continuous usage intention. This study attempted to explore and seek strategies to reduce perceived risks and strategic plans for acceptance factors to increase continuous usage intention of Internet primary banks.

• The Journal of Asian Finance, Economics and Business
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• v.6 no.1
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• pp.169-175
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• 2019

Service quality has been a point of discussion from the decades as it is important for customer satisfaction, loyalty and retention. Various models have been proposed to measure the quality in the service sector. Models are modified in accordance with context and geography to assess the quality of service better. This study aims to investigate the impact of the modified e-SERVQUAL model on the customer perception about the existing relation and potential scope of doing business with a bank which in-turn will decide the performance of the bank. Statistical data was analyzed through various tests like reliability analysis, correlation and regression analysis using SPSS 25.0. The primary data of e-SQ and performance was gathered from 721 internet banking users using 32 item questionnaire, representing 72% response rates, of four selected Islamic banks of Malaysia. E-SERQUAL was modified by adding Shariah Compliance information about banks and products for Islamic banking customers. The finding specified that efficient & reliable services, fulfillment, security/trust, and Shariah compliance information have a significant association with the performance of Islamic banks. The research is original and its implications will be helpful for Islamic banks across the world to enhance the online experience of customers, which will help them to retain the customers in the rapid changing virtual environment.