• The Journal of Information Systems
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• v.26 no.4
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• pp.203-225
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• 2017

Purpose This paper tired to identify the consumers' tendency with individual features and social influence as the independent variables because of the importance of identifying the various needs of financial consumers in accordance with the expansion of new financial demands. Furthermore, this paper included the relative attraction of Fintech and switching cost from mobile banking to Fintech as the variables. Design/methodology/approach To analyze the empirical study, data was collected online by conducting the questionnaire survey with 247 individuals who had used the Fintech service. The study results would provide us with the understandings of the factors influencing on the customer satisfaction and switching value recognized by consumers in case of switching from the existing mobile banking to the Fintech service. Findings The results would provide useful implications to the academic and the practical fields including the Fintech enterprises expanding the activation of Fintech industry.

• 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.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.31 no.2
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• pp.122-131
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• 2008

The purpose of this study is to find out the factors of customer satisfaction as the critical success factors of mobile banking. Based on previous exploratory work and a review of the literature of customer satisfaction, nine key factors are identified: perceived usefulness, perceived easy of use, perceived ubiquity, perceived safety, perceived tangibles, perceived reliability, perceived responsiveness, perceived assurance, and perceived empathy. A conceptual model is developed and hypotheses are empirically examined using multiple regression analysis. The result of this research are summarized as follows: First, perceived usefulness, perceived easy of use, perceived safety, and perceived empathy have significant influence on customer satisfaction. Second, customer satisfaction has significant influence on reuse intention and word-of-mouth intention.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.21 no.1
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• pp.187-199
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• 2011

Securing user authentication and transaction continuation is very critical in mobile banking. Malicious software, which is installed in user's smart phone, can either steal user's password or induce user to confirm manipulated transaction by handling transaction resource. In this paper, we propose schemes, that are aimed to secure user's password or to secure transaction confirmation, based on the security and usability analysis of existing schemes.

• Journal of Korea Society of Digital Industry and Information Management
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• v.12 no.4
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• pp.135-143
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• 2016

The purpose of this study is to investigate the user's attitude and usage of smart banking application in terms of user's benefits and personalization. While the prior researches on mobile banking adoption focus on the characteristics of service itself, this paper intends to investigate the smart banking application in terms of user's benefits, which are personal value consumers attach to the product or service attributes. Based on prior studies functional benefits, social benefits, experiential benefits, and personalization are identified as affecting factors of the user's attitude and usage of smart banking application. According to the results of multiple regression analysis, all benefit factors(functional benefit, experimental benefit, social benefit) and personalization were found to be significantly related to the user's attitude. Users' attitude on smart banking was found to be significantly related to the real usage as well. This paper has value in that it investigates the attitude and usage of smart banking in terms of benefits.

• Proceedings of the CALSEC Conference
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• 2005.03a
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• pp.174-179
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• 2005

• Journal of Korea Society of Industrial Information Systems
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• v.27 no.6
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• pp.115-126
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• 2022

The purpose of this study is to try to IPA(Importance-Performance Analysis) by applying text mining approaches to user review data for korea mobile banking applications, and to derive priorities for improvement. User review data on mobile banking applications of korea commercial banks (Kookmin Bank, Shinhan Bank, Woori Bank, Hana Bank), local banks (Gyeongnam Bank, Busan Bank), and Internet banks (Kakao Bank, K-Bank, Toss) that gained from Google playstore were used. And LDA topic modeling, frequency analysis, and sentiment analysis were used to derive key attributes and measure the importance and satisfaction of each attribute. Result, although 'Authorizing service', 'Improvement of Function', 'Login', 'Speed/Connectivity', 'System/Update' and 'Banking Service' are relatively important attributes when users use mobile banking applications, their satisfaction is not at the average level, indicating that improvement is urgent.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.391-401
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• 2021

Technological developments facilitate payment transactions. In 2020, Bank Indonesia issued a regulation that supports QR payments using the Indonesian Standard Quick Response Code (QRIS). PT ABC is one of the banks that launched a QR payment feature on mobile banking with QRIS standards to make it easier for customers to make payment transactions at various merchants. In its implementation, the interest of QR payment users still tends to be small, so an analysis of the interests of QR payment users is carried out. The purpose of this study is to analyze the factors that influence user interest by using a modified UTAUT model. The UTAUT model was modified by adding variables to perceived trust, perceived risk, perceived regulatory support, and promotional benefits. The population taken is the company's customers in the DKI Jakarta area and it takes 403 samples for this case study. The results of empirical analysis show that 8 out of 12 hypotheses are considered proven where business expectations, social influence, perceived trust, perceived risk, perceptions of regulatory support, promotion benefits, age-moderated performance expectations, and age-moderate effort expectations have a significant effect on behavioral intentions, while performance expectations, facilitation conditions, business expectations are moderated by experience and social influence.

• Journal of Information Technology Applications and Management
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• v.16 no.1
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• pp.169-183
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• 2009

The purpose of this research, based on the Media Selection Theory, the Technology Acceptance Model, and the Social Influence Theory, is to investigate the influential factors that affect media selection in banking transactions. Analyses showed that for location sensitive bank windows and ATMs(automatic teller machines), defined as offline-based transaction channels, convenience was the variable affecting media selection. However, in the case of online media not related to location, (phone banking, internet banking, and mobile banking) reliability was the significant variable influencing use. The findings show that banking organizations may benefit from identifying traits of media affecting use, and should differentiate customer services for competitive advantage.

• The Journal of Information Systems
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• v.18 no.2
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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.