• Journal of rehabilitation welfare engineering & assistive technology
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• v.11 no.2
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• pp.187-198
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• 2017

In this study, we analyzed the accessibility of open platform Android mobile banking applications, based on Korean mobile application accessibility KS standard, Section 508 technical standard of Rehabilitation Act, and European BBC guidelines. Experimental result showed that there are no mobile banking applications of 8 commercial banks in Korea that satisfy all guidelines of three standards. Typical violations included missing alternative text, keyboard focus violations, control size and spacing non-compliance, and low contrast ratio. These violations are fatal in that they make the accessibility of the blind, the disabled and the low vision and the elderly impossible. The reason that mobile banking applications do not comply with accessibility is that mobile application developers and providers have low awareness of accessibility and do not know how to implement accessibility properly. Comparing Korea mobile application accessibility guidelines with the revised standard of the Section 508 of Rehabilitation Act and the BBC standard, many guidelines are missing. Also, evaluation criteria are ambiguous and abstract, making it difficult for developers to refer specifically. Therefore, improving mobile application accessibility requires developer and government efforts and complementation of standards.

• Journal of Internet Computing and Services
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• v.15 no.1
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• pp.157-170
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• 2014

As the increase of transaction using mobile banking continues, threat to the mobile financial security is also increasing. Mobile banking service performs the financial transaction using the dedicate application which is made by financial corporation. It provides the same services as the internet banking service. Personal information such as credit card number, which is stored in the mobile banking application can be used to the additional attack caused by a malicious attack or the loss of the mobile devices. Therefore, in this paper, to cope with the mobile financial accident caused by personal information exposure, we suggest outlier detection method which can judge whether the transaction is conducted by the appropriate user or not. This detection method utilizes the user's input patterns and transaction patterns when a user uses the banking service on the mobile devices. User's input and transaction pattern data involves the information which can be used to discern a certain user. Thus, if these data are utilized appropriately, they can be the information to distinguish abnormal transaction from the transaction done by the appropriate user. In this paper, we collect the data of user's input patterns on a smart phone for the experiment. And we use the experiment data which domestic financial corporation uses to detect outlier as the data of transaction pattern. We verify that our proposal can detect the abnormal transaction efficiently, as a result of detection experiment based on the collected input and transaction pattern data.

• Journal of Korea Society of Industrial Information Systems
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• v.28 no.2
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• pp.61-75
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• 2023

This study aims to evaluate the usability of a banking app that is frequently used by the elderly. To this end, the usability PACMAD(People At the Center of Mobile Application Development) model that can be used in mobile was explained and the usability evaluation was empirically verified for the elderly over 60 years of age. For this study, descriptive statistics and variance analysis were conducted using SPSS 25.0 for 165 elderly people who had experience using banking apps. Looking at the analysis results of this study, efficiency, satisfaction, and effectiveness showed relatively high scores, and learnability, memorability, error, and cognitive load showed relatively low scores. In addition, in the verification of differences by age, it was confirmed that there were differences in all variables by age. These results suggest that the elderly's usability evaluation of banking apps and differences by age could be confirmed, but there is also a limitation that comparison with the general public is difficult because the age is limited to the elderly.

• 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.

• Asia pacific journal of information systems
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• v.29 no.4
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• pp.571-590
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• 2019

Despite the growing amount of mobile peer-to-peer (P2P) payment applications available on mobile app stores, these applications are still in their infancy and have yet to see mass adoption. This study aims to explore the factors that influence the adoption of such mobile P2P payment applications by using a large-scale data set based on the tracking of users' actual mobile application usage behavior. Our main findings reveal that the duration of each session that users use of traditional bank application has a significant relationship with their adoption of mobile P2P payment applications. In addition, we explore the social aspect of such mobile P2P payment applications by analyzing their social network applications usage and found that the amount of social network service applications used and usage duration positively impacted one's adoption of mobile P2P payment applications. These findings have important theoretical and practical implications for stakeholders of mobile P2P payment solution providers as well as intermediaries/banks who provide their own payment applications to their customers.

• KIPS Transactions on Software and Data Engineering
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• v.12 no.7
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• pp.325-332
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• 2023

Currently, the world's population has already entered a super-aging era, and the rate is expected to increase rapidly to about 40% by 2050. However, the rapid development of automation technology and the online service sector, the main technologies of the Fourth Industrial Revolution, are still further isolating them in a world where many inconveniences and development technologies are applied. As such, alienation in daily life is widely expanded in various fields, but the financial service sector is one of the must-use areas regardless of age because of its strong nature in the public service sector, and is a very important factor in the period when branches are rapidly decreasing. However, the current utilization rate of mobile banking services is not around 5%, so users over 60 are rarely able to use them. The UX design of the most frequently used remittance service screen in mobile banking services was proposed, and the difficulty of trying to find the preferred bank among 56 or more banks was solved by analyzing the usage rate of each bank and dividing it into three stages by age group from 50 or older. In addition, it was designed to strengthen customized services by showing their recently used banks as the top priority. The design proposed in this study obtained an average of 4.8 points or more out of 5 points as a result of usability satisfaction through interviews with less than 50 senior groups. This study is believed to help each bank upgrade its different mobile banking designs in a unified manner.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.11 no.12
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• pp.2199-2204
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• 2007

The objective of this study is to get an implication through the application of Technology Acceptance Model (TAM) focused on Mobile Banking Service based on IC Chip. Thus firstly, this study reviewed the related literatures and materials. After this, this parer analyzed this TAM model with covariance structural method to search the factors influencing technology acceptance of Mobile banking service. In conclusion, the proposed model showed that 'innovation factor' influenced 'perceived usefulness' and 'user's acquaintance' influenced 'perceived ease of use'. And this 'perceived usefulness' influenced 'perceived ease of use' and this 'perceived ease of use' influence 'attitude toward use'.

• Journal of Digital Convergence
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• v.14 no.11
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• pp.501-505
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• 2016

Recently, the frequency of dealing important information regarding financial services like paying through smart device or internet banking on smart device has been increasing. Also, with the development of smart device execution environment towards open software environment, it became easier for users to download and use random application software, and its security aspect appears to be weakening. This study inspects features of hardware-based smart device security technology. Furthermore, this study proposes a realization method in MTM hardware-based secure smart device execution environment for an application software that runs in smart devices. While existing MTM provides the root of trust function only for the mobile device, the MTM-based mobile security environment technology proposed in this paper can provide numerous security functions that application program needs in mobile device. The further researches on IoT devices that are compatible with security hardware, gateway security technology and methods that secure reliability and security applicable to varied IoT devices by advancing security hardware are the next plan to proceed.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.23 no.3
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• pp.479-490
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• 2013

Recently, the number of attacks by malicious application has significantly increased, targeting Android-platform mobile terminal such as Samsung Galaxy Note and Galaxy Tab 10.1. The malicious application can be distributed to currently used mobile devices through open market masquerading as an normal application. An attacker inserts malicious code into an application, which might threaten privacy by rooting attack. Once the rooting attack is successful, malicious code can collect and steal private data stored in mobile terminal, for example, SMS messages, contacts list, and public key certificate for banking. To protect the private information from the malicious attack, malicious code detection, rooting attack detection and countermeasure method are required. To meet this end, this paper investigates rooting attack mechanism for Android-platform mobile terminal. Based on that, this paper proposes countermeasure system that enables to extract and collect events related to attacks occurring from mobile terminal, which contributes to active protection from malicious attacks.

• Journal of Digital Convergence
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• v.19 no.7
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• pp.147-154
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• 2021

The pandemic age came to us after the COVID19 broke out in the early of 2020, which resulted in many changes in our everyday life. One of the changes is non-contact transactions in economic activities, especially contact-free financial transactions are ever-increasing activities in the pandemic age. In non-contact financial transactions, security and trust are important issues that users are concerned about the most. So the paper examines how security and trust have effects on the attitudes of bank customers who use mobile banking applications on their smartphones. The study conducted factor ananlysis to extract research constructs using survey data gathered during Nobember of 2020 through February of 2021 across the nation. After extracting the constructs, the study checked validity, sampling adequacy, and internal reliability with KMO, Bartlett's test, and Crombach Alpha respectively. To make sure the purpose of the study, I do regression analysis. All factors of attitude had impacts on willingness on both of transactions and purchasing financial products. The results could give guidelines banks which want to attract more customers in open-banking environment through ever-more secure and trusty mobile banking application.