• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.26 no.3
• /
• pp.735-744
• /
• 2016

Recently, personal information leakage incidents with increased usage of mobile services are increasing. Personal information leakage incidents can have a significant impact on an individual's mobile banking services. Accordingly, we examine relationships among individual's psychological characteristics, intention and behavior regarding compliance in an individual's perception on personal information leakage incidents in mobile banking contexts. In this study, for explaining our research model and understanding with personal psychology and behavior in mobile banking contexts, we adopted two theories, theory of interpersonal behavior and stimulus-response theory. We collected the 55 data using online surveyor and then analyzed structural equation model in order to find causal relationships among research variables. The results of this study should be useful to the mobile banking services companies in promoting service users to follow the information privacy policies.

• Journal of Digital Convergence
• /
• v.17 no.2
• /
• pp.127-134
• /
• 2019

The purpose of this study was to investigate the factors affecting the behavior intention of smartphone mobile banking service among tourists. Currently, due to the development of mobile Internet technology and the spread of smartphone all over the world, interest and spread of smart phone based mobile banking is popularized. Thus, we analyzed the relationship among performance expectancy, social influence, facilitating conditions, perceived financial cost, perceived habit, perceived security level, and user's behavioral intention as a dependent variable. In this study, 203 respondents were interviewed about Chinese tourists at Jeju International Airport, and the influence of independent variables was determined by Smartpls 3.0. The results showed that the perceived security level and habit had a positive effect on the behavior intention. Especially, perceived security is a major issue of smartphone-based mobile banking in recent years. This study is meaningful in that it is an analysis of behavior factors of smartphone-based mobile banking service for tourists.

• Proceedings of the CALSEC Conference
• /
• 2005.03a
• /
• pp.201-206
• /
• 2005

Our goal is aimed at positive-analyzing how quality level of mobile banking service is composed of by 22 questions from SERVQUAL of existing PZB. As a result of positive-analysis, 4 different factors-reliability, empathy, tangibilities, assurance- were deduced, different with 5 levels. Responsiveness is absorbed other dimensions. Also, we tried to find out the appropriate method between SERVQUAL method, showing the difference between the consumers' expectations and the assessment of the actual performance, and model of SERVPERF, measuring performance recognized points while dealing with the concept of SERVQUAL to scale the service qualities of mobile banking.

• The Journal of Society for e-Business Studies
• /
• v.11 no.3
• /
• pp.13-34
• /
• 2006

Mobile technology-supported services have become one of the inevitable parts of present people's lives and mobile business have been spreading remarkably fast. This study is to find out key parts for popularizing mobile banking services by clarifying mobile banking acceptance factors and to get some practical tips for service providers and users. The results show that innovation and functional risk are found to have a significant effect on the use intention. And social influence and institution-based trust factors are found to have a strong positive effect on use intention.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.21 no.4
• /
• pp.47-60
• /
• 2011

With the increase in the use of mobile banking service, mobile banking has become an attractive target to attackers. Even though many security measures are applied to the current mobile banking service, some threats such as physical theft or penetration to a mobile device from remote side are still remained as unsolved. With aiming to fill this void, we propose a novel approach to prevent e-financial incidents by analyzing mobile device user's input patterns. This approach helps us to distinguish between original user's usage and attacker's usage through analyzing personal input patterns such as input time-interval, finger pressure level on the touch screen. Our proposed method shows high accuracy, and is effective to prevent the e-finance incidents proactively.

• The Journal of Society for e-Business Studies
• /
• v.16 no.4
• /
• pp.155-172
• /
• 2011

The purpose of this study is to examine factors affecting an individual's acceptance of mobile banking, which is a typical example of smartphone based self-service. We derive three personal traits(positive technology readiness, negative technology readiness and individual's expertise) as antecedent variables that affect intention to use mobile banking from previous studies, and adopt a technology readiness and acceptance model(TRAM) to investigate factors that determine an individual's intention to use mobile banking. TRAM, which integrates technology readiness index(TRI) into the technology acceptance model (TAM) in the context of consumer adoption of e-service systems, is adopted to examine personal traits influencing on the factors forming the attitude of mobile banking. The new findings of this study are as follows. First, individual's expertise and positive technology readiness(ptr) have significant effect on both perceived usefulness and perceived easy of use. However, negative technology readiness(ntr) has significant effect on only perceived easy of use.

• Journal of Information Technology Services
• /
• v.12 no.4
• /
• pp.205-218
• /
• 2013

Recently, due to the proliferation of smartphones, users of mobile banking services which are based in wireless Internet without constraint of the time and places are significantly increased. In the study, considering the characteristics of mobile banking services based on the smartphone and the user behavior. we analyse the factors which have an effect on the behavioral intention to use mobile banking services based on the smartphone. For this purpose, we use the model which is based on Technology Acceptance Model (TAM) and add two constructs:the perceived enjoyment and the perceived risk. A survey data for 194 students at the K cyber university is used for statistical analysis. As a result, the perceived ease of use affects the perceived usefulness and the perceived enjoyment, and the perceived ease of use. And the perceived usefulness and perceived enjoyment affect continuous intention to use. On the other hand, the hypothesis which the perceived risk would affect adversely the continuous intention to use is rejected. Through this study, we expect to provide the useful implications for the smartphone banking services and contribute to the development of strategy for them.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.8 no.6
• /
• pp.1530-1536
• /
• 2007

In this paper, a mobile banking system which can provide banking services is introduced. Since a PDA has excellent features like a small-size computer and provides mobility, it has been widely used by salesmen. Therefore, if general banking services can be provided with PDA by using wireless technology, it will be very useful. In addition, it is easy to develop and maintain the client software of PDA because it uses Windows-based operation systems. In this paper, a PDA banking system is introduced. The system is designed and developed based on the techniques of wireless network, security and PDA programming to be used for mobile banking and a prototype system is developed. Moreover, we used the object-oriented modeling technique, UML and Java Beans for programming.

• The Journal of the Korea Contents Association
• /
• v.12 no.11
• /
• pp.303-312
• /
• 2012

In this paper we investigate the factors influencing the intention to use of smart-phone mobile banking service in China. We include the characteristics of smart-phone, mobile banking service, and users to the research model and also consider user satisfaction as an intervening variable. We try to find and prove the factors influencing the intention to use of smart-phone mobile banking service by surveying 206 chinese users and using structural equation model. This empirical paper proves that mobility, instance connectivity, use convenience, and intimacy give positive effects to intention to use of smart-phone mobile banking service. In addition, this paper indicates some managerial implications that mobility, access speed and the easy user interface can help to increase the degree of user acceptance.

• Journal of Information Technology Applications and Management
• /
• v.23 no.2
• /
• pp.195-206
• /
• 2016

Mobile financial services with incorporated into IT are actively introduced and being operated worldwide. Meanwhile, a relationship setting of industrial capital and financial capital has a close connection with development process of the financial markets and the economic development. If the relationship setting of industrial capital and financial capital are right, it will be good opportunity to ensure economic development, positive economic effect and global competitiveness of the financial industry as other developed countries. In order to expand the positive effects of these mobile financial services, a ICT companies, etc. should ease regulations to allow entry to the mobile financial services market. That is, the separation of banking and commerce should be abolished.