• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.187-195
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• 2019

The purpose of this study is to analyze the adoption of Kakao Bank in terms of benefits (functional, social, experiential, economic benefits) and differentiated services (customization and service diversity) considering service types. Benefits are personal value consumers attach to the product or service attributes and, therefore, more important than attributes of service itself when using Kakao Bank in the internet based environment. Data was collected using an online and offline survey of 131 Kakao Bank users and analyzed the data using structural equation model (SEM). The results of empirical analysis using SmartPLS show that functional benefit, experiential benefit, and customization are significantly related to the user's satisfaction, but economic benefits, social benefit, and service variety are not. Customer's satisfaction are also showed significantly to be related to the all types of Kakao Bank usage(balance check, transfer, and other services). This study has the significance in that it examines the user's satisfaction and usage of Kakao Bank in terms of benefits and differentiated services while other studies analyzed banking services focusing on the attributes of banking channel itself.

• 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 Security & Cryptology
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• v.26 no.3
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• pp.735-744
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• 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 Distribution Research
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• v.7 no.1
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• pp.61-86
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• 2002

The number of people who perform their banking business on Internet has been increasing drastically during the recent period and the trend still continues. Banks and other types of financial institutions are now competing intensely with each other in attracting customers to this new innovative banking service. The marketers in charge of formulating and implementing the strategies for this new banking business need to understand the behavioral factors as well as the technical factors in order to succeed in attracting more customers to this new service. products. A deep understanding as to why and how the customers are adopting the new service developed on information technology is a prerequisite for a successful marketing effort. The purpose of this dissertation is to find out what factors are playing important roles in the customers'decision related to the adoption of the Internet banking services. The focus of the research is threefold. First. by testing the hypotheses proposed by the Technology Adoption Model, a well-known theory in the IT-related behavioral science, an analysis was made as to which factors are more important in affecting the attitudes and adoption of the Internet banking on the part of customers. Secondly, an analysis was made as to whether the three criteria of the Technographics- -the attitude toward new technology, level of income, and the motivational factor- -are useful as the criteria for segmenting the Korean users of the online banking. Thirdly, an analysis was made as to whether each customer group segmented by the criteria of the Technographics reveal a differential decision process and thus requires a differential approach strategywise.

• Convergence Security Journal
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• v.2 no.2
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• pp.29-38
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• 2002

Everyday demand of wireless internet is increasing. Security problem is certainly resolved for wireless internet activation. Especially problem is only wiretap in mobile communication with voice, but problems, user authentication, data integrity guarantee etc., are resolved in data-services that have commercial transaction over simple data information service such bill, banking. Necessity of wireless PKI that can offer security service likely in wired environment is requested for offering security service in wireless environment. For offering security services, confidentiality, integrity, non-repudiation etc, that of offered in wired environment in wireless environment, first it must construct wireless PKI infrastructure and do service activity. This paper analyze various wireless internet technology for offering safe wireless internet service and wireless PH standards. Performance Result of this paper expect activity of safe wireless PH service and activity of electronic commercial transaction used wireless internet such banking service, bill transaction, online shopping.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.3
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• pp.501-507
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• 2015

The online banking service handles a banking business over the internet, it is necessary to ensure that all financial transactions are processed securely. So, there are various authentication technique for e-banking service : a certificate, a personal identification number(PIN), a security card and a one-time password(OTP). Especially, the security card is most important means including secret information. If the secret information of card is leaked, it means not only loss of security but also easy to attack because security card is a difficult method to get. In this paper, we propose that a multi-channel security card saves an secret information in distributed channel. Proposed multi-channel security card reduces vulnerability of the exposed and has a function to prevent phishing attacks through decreasing the amount of information displayed and generating secret number randomly.

• International Journal of Computer Science & Network Security
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• v.23 no.11
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• pp.53-58
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• 2023

The trend of satisfying consumer needs (payment for mobile communication, music services, cab ordering, banking products, and food delivery) on a unified online platform has shaped a digital ecosystem, an instrument creating a unified space of economic interaction. Representatives of e-commerce are major stakeholders in the development of such tools. In particular, subscription services (multiservice subscriptions) allow users to create their own ecosystems based on their personal preferences. The rate of subscription service use is growing around the world, yet understanding of the peculiarities of development of this e-commerce sphere is limited due to insufficient research.The study aims to determine the motives and barriers to the use of subscription services (multiservice subscriptions) by consumers and their relationship with consumer characteristics.Proceeding from an online survey of 200 users, the study determines the relationship between the gender and income of consumers and their use of subscription services, motives and motivators for using subscription services, and barriers to the choice of a particular subscription service. The obtained results may serve as a basis for managerial decisions in e-commerce and for improving the effectiveness of marketing solutions.

• The Journal of Asian Finance, Economics and Business
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• v.6 no.3
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• pp.225-234
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• 2019

The study aims to explore key dimensions of service quality of E-Retailing of Islamic banks in the Kingdom of Saudi Arabia. The convenience sample size consists of 373 respondents who regularly use online Islamic banking facilities in Saudi Arabia was used. For measuring the consumers' perspective, a four-factor E-SERVQUAL scale; namely efficiency, system availability, fulfillment, and privacy was used. Exploratory Factor Analysis and Confirmatory Factor Analysis are used to test the model fitness. Structural equation modelling is utilized to determine the impact of E-service quality dimensions on customers' satisfaction. The results of the study reveal that 1) reliability as a dimension of E-retailing of Islamic banks made a significant impact on customers' overall satisfaction; 2) there is a positive significant relationship between responsiveness and customers' overall satisfaction. One unit increased in responsive leads to 0.763 unit increases in the overall satisfaction of the customer; and 3) ease of use is the most important dimensions of service quality of E-retailing of Islamic banks. One unit increases in Security/ Privacy leads to 0.473 unit increases in overall satisfaction. There is a positive impact of good E-service on customers' satisfaction, but it does not override unsatisfactory performance in other areas.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.6
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• pp.69-79
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• 2022

The purpose of the study is to look into the likelihood of private sector enterprises going bankrupt due to COVID-19 pandemic-related issues. The data for this study was taken from the World Bank's Enterprise Survey, which was intended to assess the impact of the COVID-19 pandemic on the business sector. This study uses the Ordinal Logit Method to analyze the model with dependent variables having ordinal values. The determinants reflect business performance, innovation, business relationships, and government support. According to the estimation results, a lower probability of business closures, illiquidity, and payment delays are found in businesses that maintain sales growth, operating hours, temporary workers, product portfolio, consumer demand, and input supply. Meanwhile, the increase in online business activities and receiving support from financial institutions and the government do not help businesses reduce the risk. Moreover, higher survival is found in manufacturing and developing countries. This implies the fragility of businesses in the retail and service sectors, especially for mega-enterprises in developed countries. In addition, the negative impact of the COVID-19 pandemic on businesses in Europe and West Asia is less severe than in other regions. The results imply policies to support the private sector during the pandemic, such as increasing labor market flexibility or rapidly implementing supportive policies.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.33-38
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• 2015

The damage to the security is increasing as public key-based ISP secure payment service is used in online banking payment system. Security technology aspect to ISP secure payment security has no special problems. But, security damage that occurs due to the simplicity of the payment system is a problem. In this paper, we propose response and plan for ISP secure payment service to minimize the damage that occurs due to the simplicity of a security settlement system. Proposed scheme is applicable to various billing systems such as secure payments, online payment, mobile payment, credit card. Proposed scheme is characterized in that can stably support the capabilities of the new billing system. Also, proposed scheme is to analyze the various security threats arising from the payment of the financial services and to describe response and plan technology.