• Proceedings of the Korea Database Society Conference
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• 2008.05a
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• pp.43-53
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• 2008

Various mobile Internet services have been commercialized these days and mobile banking service is considered one of the most potential business models. However, the market growth has been limited since the implementation environment is different from that of wired-internet business services. This study is investigating the effect of mobile channel preference, perceived usability, perceived value on sustained use of mobile banking service and discussed the direction of future research at the end.

• 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.

• 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.

• The Journal of Information Systems
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• v.14 no.3
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• pp.17-22
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• 2005

Location management is very important in location-based services to provide services to the mobile users like banking, city guides and many more. Ubiquitous and mobile devices are the source of data in location management and its significant operations are update and search method. Some studies to improve these were presented by using optimal sequential paging, location area scheme and hierarchical database scheme. In addition, not all location services have the same access methods on data and it lead to difficulties of providing services. A proposed location management of multi-agent architecture is presented in this study. It shows the coordination of the agents on the distributed database of location-based services. The proposal focuses on the location management of the mobile object presented in a hierarchical search and update. Also, it uses a nearest neighbor technique for efficient search method of mobile objects.

• 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.

• KIPS Transactions on Computer and Communication Systems
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• v.7 no.3
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• pp.73-80
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• 2018

Due to the popularity of smartphones and the simplification of financial services, the number of mobile financial services is increasing. However, the security keypads developed for existing financial services are susceptible to probability analysis attacks and have security vulnerabilities. In this paper, we propose and implement a security keypad based on dual touch. Prior to the proposal, we examined the existing types of security keypads used in the mobile banking and mobile payment systems of Korean mobile financial businesses and analyzed the vulnerabilities. In addition, we compared the security of the proposed dual touch keypad as well as existing keypads using the authentication framework and the existing keypad attack types (Brute Force Attack, Smudge Attack, Key Logging Attack, and Shoulder Surfing Attack, Joseph Bonneau). Based on the results, we can confirm that the proposed security keypad with dual touch presented in this paper shows a high level of security. The security keypad with dual touch can provide more secure financial services, and it can be applied to other mobile services to enhance their security.

• Journal of Korea Society of Industrial Information Systems
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• v.13 no.2
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• pp.35-46
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• 2008

This research developed a strategy for mobile banking services based on the important factors deduced from quality assessment of mobile banking service that is experiencing rapid growth of user. SERVQUAL model and importance-performance tool were used. First, SERVQUAL model uses the important factors of mobile banking service selected from literature reviews. As a result, four dimensions that affect user satisfaction are found; assurance, customer orientation, tangibility, and reliability. Second, importance-performance analysis is to develop the strategy using the four factors. The final results revealed that assurance dimension had the strongest influence on user satisfaction. Assurance dimension of high expectation and yet low real performance needs immediate improvement. Customer orientation dimension of low expectation and performance should be reconsidered definition of satisfaction. On the other hand, tangibility dimension of higher performance than expectation is simply to maintain current level. Reliability dimension of high expectation and performance is recommended consistent management.

• Journal of Internet Computing and Services
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• v.22 no.5
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• pp.69-77
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• 2021

The main channels of the financial industry are rapidly changing to mobile. In this environment, banks are focusing on information and communication technology to secure their competitiveness, and rapid innovation is being pursued especially in the payment settlement sector. In October 2019, Korea also introduced open banking services to accelerate the financial innovation, such as the open conversion of financial settlement networks and the expansion of the use of simple payments. In this paper, an empirical study was conducted on the effect of domestic open banking quality factors on usage intention. The service quality factors for open banking were classified into interface design, innovation, security, and data sharing, and the technology acceptance model (TAM) was used to verify whether it has a significant effect on perceived convenience, usefulness and intention to use. According to the analysis results, while innovation and security did not have a significant effect on convenience and usefulness, interface design and data sharing were found to have an effect on perceived convenience. The results would provide implications for some quality issues for companies seeking to introduce open banking services as well as for the related academic arena.

• Journal of Information Technology Services
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• v.23 no.1
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• pp.97-121
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• 2024

As data usage grows in importance, ensuring individual control over personal information becomes critical. The emergence of the 'MyData' concept addresses this, particularly in financial services. Although the institutional and technological framework for financial MyData services is in place, there's a need to establish consumer understanding and perception of its usefulness and safety for successful activation. This study focuses on investigating the impact of trust on the intention to use the new mobile banking service, financial MyData. This study has three objectives. Firstly, to analyze whether trust in financial MyData services and trust in financial MyData service providers affect the intention to use financial MyData services. Secondly, to analyze the process of forming trust in financial MyData services based on the phenomenon of transferring trust in service providers to trust in services. Thirdly, to identify the process by which trust transfer occurs between service providers and financial MyData services. Ultimately, the goal of this study is to promote the intention to use financial MyData services based on the concept of trust and to activate these services. In summary, this study emphasizes the significance of trust in financial MyData services, exploring its impact on user intention and the transfer of trust from providers to services. By promoting consumer trust, the research aims to contribute to the activation of financial MyData services.

• The Journal of the Korea Contents Association
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• v.16 no.12
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• pp.19-26
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• 2016

Among the various services for mobile banking, user authentication method using bank security card is still very useful. We can use mobile banking easily and safely in case of saving encoded security codes in smart phone and entering codes automatically whenever user authentication is required without bank security card. In this paper automatic recognition algorithm of security codes of bank security card is proposed in oder to enroll the encoded security codes into smart phone using smart phone camera. Advanced adaptive binarization is used for extracting digit segments from various background image pattern and adaptive 2-dimensional layout analysis method is developed for segmentation and recognition of damaged or touched digits. Experimental results of proposed algorithm using Android and iPhone, show excellent security code recognition results.