• Knowledge Management Research
• /
• v.12 no.3
• /
• pp.97-109
• /
• 2011

The purpose of this paper is to analyze what are the key determinants in selection of mobile banking technology platform, main challenges in a given developments of technology as well as rate the importance of factors in regards to various criterions. In addition, this paper proposes comprehensive approach for solving mobile banking technology platform selection problem. To serve the purpose, this paper uses the Analytic Hierarchy Process (AHP) to select best mobile banking technology platform for not only in functionality aspect, but also in organizational aspect. We expect that the results of this study will be useful for banks who have intention to select mobile banking technology platform in the future.

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

• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.15 no.6
• /
• pp.1-9
• /
• 2015

Recently, with smart device proliferation and providing the various services using this, they have interested in mobile and Smart TV security. Smartphone users are enjoying various service, such as cloud, game, banking. But today's mobile security solutions and Study of Smart TV Security simply stays at the level of malicious code detection, mobile device management, security system itself. Accordingly, there is a need for technology for preventing hacking and leakage of sensitive information, such as certificates, legal documents, individual credit card number. To solve this problem, a variety of security technologies(mobile virtualization, ARM TrustZone, GlobalPlatform, MDM) in mobile devices have been studied. In this paper, we propose an efficient method to implement security technology based on TYPE-I virtualization using ARM TrustZone technology.

• International Journal of Advanced Culture Technology
• /
• v.11 no.2
• /
• pp.125-131
• /
• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• Journal of Digital Convergence
• /
• v.12 no.10
• /
• pp.299-308
• /
• 2014

Today, a number of users using smartphone is very rapidly increasing by development of smartphone performance and providing various services. Also, they are using it for enjoying various services(cloud service, game, banking service, mobile office, etc.). today's mobile security solution is simply to detect malicious code or stay on the level of mobile device management. In particular, the services which use sensitive information, such as certificate, corporation document, personal credit card number, need the technology which are prevented from hacking and leaking it. Recently, interest of these mobile security problems are increasing, as the damage cases been occurred. To solve the problem, there is various security research such as mobile virtualization, ARM trustzone, GlobalPlatform for mobile device. Therefore, in this paper, I suggested efficient method that uses the mobile virtualization techniques of certification, security policy and access control, password/key management, safe storage, etc. and Trustzone of ARM for preventing information leakage and hacking.

• Journal of Korea Society of Digital Industry and Information Management
• /
• v.13 no.4
• /
• pp.107-113
• /
• 2017

Open platform technology in the banking industry is anticipated to impact the market very positively together with the activation of Fin Tech services. The domestic environment of payment services has been rapidly changing into the mobiles and multiple new payment services have been introduced from a variety of vendors. However, the convenience of payment always causes worsening the security, and the accidents on the security have been continued to occur such as leakage of personal information, hacking and so on upon the expansion of the industry and the market size. This study aims to analyze the status of Fin Tech open platforms and various problems of the related standard technologies, and to suggest the possible solutions. Upon the analysis results, it was confirmed that multiple solutions were required to improve the main security protocols of open platforms and to process the security functions diversely. In conclusion, the results of this study will be helpful to determine the direction of the solution on the security issues in the open platform environment of the current industry.

• Journal of KIISE:Computing Practices and Letters
• /
• v.12 no.6
• /
• pp.367-378
• /
• 2006

A mobile phone has became as a payment tool in e-commerce and on-line banking areas. This trend of a payment system using various types of mobile devices is rapidly growing, especially in the Internet transaction and small-money payment. Hence, there will be a need to define its standard for secure and safe payment technology. In this thesis, we consider the service types of the current mobile payments and the authentication method, investigate the disadvantages, problems and their solutions for smart and secure payment. Also, we propose a novel authentication method which is easily adopted without modification and addition of the existed mobile hardware platform. Also, we present a simple implementation as a demonstration version. Based on virtual machine (VM) approach, the proposed model is to use a pseudo-random number which is confirmed by the VM in a user's mobile phone and then is sent to the authentication site. This is more secure and safe rather than use of a random number received by the previous SMS. For this payment operation, a user should register the serial number at the first step after downloading the VM software, by which can prevent the illegal payment use by a mobile copy-phone. Compared with the previous SMS approach, the proposed method can reduce the amount of packet size to 30% as well as the time. Therefore, the VM-based method is superior to the previous approaches in the viewpoint of security, packet size and transaction time.