• The Journal of Information Systems
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• v.17 no.3
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• pp.153-174
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• 2008

Mobile commerce is defined as any direct or indirect transaction conducted and facilitated through a wireless telecommunication network such as payment, ticketing, auction and mobile banking. Despite the importance of mobile commerce, there have not been so many academic studies on the unique characteristics of mobile commerce environments. In this study, our research model is developed based on TAM(Technology Acceptance Model) to investigate the user's technology acceptance process in mobile commerce environment. The factors, such as ubiquity, compatibility, perceived usefulness, perceived ease of use, cost, security, attitude and behavior intention for mobile commerce were selected from pier study in information systems area. The data for empirical analysis of the research model is collected online-questionnaire of 167 mobile commerce users in South Korea. The hypotheses were analyzed using SPSS 15.0 and AMOS 7.0. The results of our study show that: (1) compatibility, perceived usefulness and security had influences on the attitude whereas perceived ease of use and cost did not have any significant impact on the attitude, (2) compatibility influenced perceived usefulness whereas perceived ease of use did not, and finally (3) ubiquity, perceived usefulness and attitude had considerable influences on intention for mobile commerce. Therefore, practitioners should focus on enhancing security, quality of contents and services as well as offering what mobile commerce users want. The results of this study may useful for academicians and practitioners alike.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.19 no.11
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• pp.2615-2622
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• 2015

Using the mobile device, such as Smartphones tablet PC, online banking and e-commerce, as well as process and to their work. While going to high availability and convenience of mobile devices castle, SNS, letters, using an email Smishing financial fraud and leakage of personal information such as crime has occurred many. Smishing smartphone accidents increased sharply from 2013, MERS infection cases, landmine provocative events, such as the delivery of Thanksgiving has occurred cleverly using social engineering techniques. In this paper, i analyze the trends in Smishing hacking attacks on mobile devices since 2014. With regard to social issues, it analyzes the process of hacking attacks Smishing leading to financial fraud to mobile users. And, in this paper, i propose a secure way and measures of financial damage for mobile Smishing hacking.

• International Journal of Computer Science & Network Security
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• v.21 no.9
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• pp.31-40
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• 2021

The increasing number of credit card fraud cases has become a considerable problem since the past decades. This phenomenon is due to the expansion of new technologies, including the increased popularity and volume of online banking transactions and e-commerce. In order to address the problem of credit card fraud detection, a rule-based approach has been widely utilized to detect and guard against fraudulent activities. However, it requires huge computational power and high complexity in defining and building the rule base for pattern matching, in order to precisely identifying the fraud patterns. In addition, it does not come with intelligence and ability in predicting or analysing transaction data in looking for new fraud patterns and strategies. As such, Data Mining and Machine Learning algorithms are proposed to overcome the shortcomings in this paper. The aim of this paper is to highlight the important techniques and methodologies that are employed in fraud detection, while at the same time focusing on the existing literature. Methods such as Artificial Neural Networks (ANNs), Support Vector Machines (SVMs), naïve Bayesian, k-Nearest Neighbour (k-NN), Decision Tree and Frequent Pattern Mining algorithms are reviewed and evaluated for their performance in detecting fraudulent transaction.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.4
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• pp.43-54
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• 2021

The study evaluates India's technological advancement, which has created a range of opportunities for consumers to enter into digital payment space. Demonetization in India has forced all consumers and companies to embrace and create cashless digital payment platforms. The cashless economy scenario involves various factors for its adoption such as reach, availability and awareness. This study considers factors responsible for adopting new digital payment technologies in India's different regions across various consumers. The study includes descriptive statistics and variance analysis (ANOVA) to identify elements to achieve maximum satisfaction. The research collects data from 250 respondents living in India, experiencing digital payments and online transactions. The data is collected through a structured questionnaire and critically analyzed using statistical analysis. The data has been analyzed with no sectorial biases and tracked by creating real-time indications. The study uses various hypotheses after taking responses from a sample of respondents. Cronbach's Alpha analysis is also used to determine the validity and reliability of the data. The study illustrates the complete shift of consumer behavior from cash to a cashless economy. A certain number of factors are shown to directly influence the rate of such a shift toward digital transactions in India.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.15 no.11
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.

• The Journal of Asian Finance, Economics and Business
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• v.10 no.2
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• pp.195-201
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• 2023

Since the banking industry relies so heavily on strong customer-staff interactions, measuring employee job satisfaction has become a critical problem. To achieve benefits for both individuals and organizations, it is crucial to foster and ensure employee job satisfaction. The main objective of this study is to determine the influencing factors of employees' job satisfaction in commercial banks in Bangladesh. This study focused on some significant factors such as employee empowerment, job security, management support, and attractive compensation in an organization. In terms of research purpose, non-probability convenience sampling has been used, and the study is quantitative in nature. For data collection purposes, an online survey questionnaire was prepared based on previously published articles. The targeted population was the bank employees of commercial banks in Bangladesh where the final sample size was n = 200. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study also shows that employee empowerment, job security, management support, and attractive compensation have positive and significant effects on employees' job satisfaction at the workplace. Finally, this study has offered some extraordinary directions and implications for future research on commercial bank authorities in Bangladesh.

• The Journal of Asian Finance, Economics and Business
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• v.10 no.2
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• pp.223-233
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• 2023

Entrepreneurship brings countless values to each individual and practical benefits to society and the economy. Recently, the call for a better understanding of entrepreneurship from corporations and governments is regularly voiced the day, both in the academic literature and in public discussions. This study examines factors influencing the startup decision of young people in Vietnam. Primary data was collected from an online survey and then imported into an Excel file before being analyzed by SPSS 22. The total number of relevant observations for the study is 656, using numerous statistical approaches such as EFA and multiple regression analyses. This study contributes to the existing literature and current practice by suggesting six major determinants of startup intention: self-expectation, personal attitudes, self-competency, perceived feasibility, entrepreneurial orientation, and financial wealth. Among these factors, self-competency and entrepreneurial orientation are statistically significant, indicating that the capability of young people is the most important determinant of their startup intention. Additionally, the results indicate that self-expectation, attitude, perceived feasibility, and finance do not impact students' intention to pursue entrepreneurship. We suggest that by enhancing the training quality of universities, young people will be provided with much essential knowledge and technical skills for running a business.

• Journal of Service Research and Studies
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• v.7 no.4
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• pp.51-68
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• 2017

Financial technology (FinTech) is an emerging financial service sector include innovations in financial literacy and investment, retail banking, education, and crypto-currencies like bitcoin. One of the crucial branch of financial technology-third-party payment (TPP) is undergoing rapid growth, with online/mobile systems replacing offline financial systems. System quality and user attitudes are key perceptions driving third-party payment usage, the importance of these perceptions, however, may be different with countries as users' thinking varies from country to country. Thus, the purpose of this study is to elaborate how factors differ from China to Korea by drawing on the unified theory of acceptance and use of technology (UTAUT2). Additionally, this study also aims to propose a multi-attribute evaluation of the third-party online payment system based on analytic hierarchy process (AHP), fuzzy sets and technique for order performance by similarity to ideal solution (TOPSIS), to examine the relative importance of the perceptions influencing new technology adoption intention. The results showed that the price value has the most significant influence on Chinese perceptions, while the perceived credibility has the most significant effect on Korean perceptions. Sub-criteria also performs different results to Chinese and Korean third-party online payment system.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.27 no.4
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• pp.731-742
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• 2017

For all the various cryptographic techniques related to security, social technological attacks such as a shoulder surfing are infeasible to block off completely. Especially, the attacks are executed against financial facilities such as automated teller machine(ATM) which are located in public areas. Furthermore, online financial services whose rate of task management is consistently increasing are vulnerable to a shoulder surfing, smudge attacks, and key stroke inference attacks with google glass behind the convenience of ubiquitous business transactions. In this paper, we show that the security of ATM and internet banking can be reinforced against a shoulder surfing by using One-Time Keypad(OTK) and compare the security of OTK with those of ordinary keypad and One-Time Password(OTP).

• The Journal of Information Technology and Database
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• v.7 no.2
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• pp.87-100
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• 2000

The customer loyalty has been decreasing dramatically in e-Business environments such as cyber trading, shopping, banking, and portal services. However, little research has been done so far in order to analysis the newly emerging concept and changing nature of the e-Business customer loyalty. The purpose of this study is to investigate whether the quality of e-Business information systems has any impact on customer loyalty. The quality, which is tee independent construct in this study, is divided into three variables: basic system quality, information contents quality, and service quality. Cyber systems of 40 domestic stock trading firms were chosen as target e-Business information systems Both online survey and traditional field survey were employed in order to collect data, and more than 8,000 cyber customers have responded. The results of statistical analysis show that all of three independent variables have statistically significant effects on customer loyalty and, among three variables, the basic system quality has the strongest impact.