• 융합경영연구
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• 제7권2호
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• pp.15-23
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• 2019

Purpose - This describes a comparative study about the Online banking system between developing country (Bangladesh) and developed country (South Korea). Research design, data, and Methodology - Use comparison as the descriptive situation, secondary data were used to determine the differences between both countries with respect to Online banking. And also show the representative cases of online banking, kakao bank and bKash. Result - The results showed that the data indicate that both nations are dissimilar in providing basic and additional services offered by their traditional commercial banks. And different cultures and traditions in financial industry will play a major role in the adaption and development of online banking industry among different nations. Belief on lack of effort on educating the consumers toward online banking further affected the usability of online banking in both countries. Conclusions - this comparative study provides insightful guidelines for the future development of online banking industry in developing nations and worldwide. Also, managerial and empirical implications are discussed with suggestions for future research.

• 동아시아경상학회지
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• 제9권4호
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• pp.113-129
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• 2021

Purpose -This study was based on the TAM and the trust of Bangladeshi in social impact, privacy and security, compatibility, perceived-ease of use, and perceived-usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology - Internet survey was conducted for individuals who had experience in using the online banking service, and those who have no experience in online banking were excluded from the analysis. The questionnaire was distributed to Bangladesh respectively, and data were collected. Result - Trust is the variable that has the greatest influence on the adaption of online banking service. Perceived-usefulness was found to have a important effect on individuals' behavioral-intention towards the adopting of online Banking services in Bangladesh. It was also found that compatibility, privacy and security were important predictors. Conclusion - The TAM model, which explains individual behavioral intentions toward adopting online banking services in Bangladesh, is sufficiently applicable. Perceived ease of use found an important predictor of trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt online banking services if they find it useful and reliable. Another very important constructive correlation between trust and perceived-usefulness, suggesting that consumers who realize that online banking is safe and useful.

• Asia Marketing Journal
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• 제24권2호
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• pp.51-61
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• 2022

The goal of this study is to scrutinize the impact of individual online convenience dimensions on mobile banking acceptance and use in Mongolia. A total of 211 valid responses were collected from Mongolian university students who currently use mobile banking application services from local banks. The SmartPLS 3.3 software was used to conduct the confirmatory factor analysis and test the hypotheses. Using structural equation modelling, this research discovered that access convenience, transaction convenience, and possession/post-possession convenience are the main constructs related to the adoption of mobile banking services. Perceived innovation showed a significant positive effect on the adoption of mobile banking technologies. Through practical and theoretical implications, this research aims to assist mobile banking service channels of local and international banks in Mongolia. Identifying which online convenience dimensions impact the adoption and use of mobile banking will contribute to the adoption of competitive strategies for financial institutions and banks.

• 한국경영정보학회:학술대회논문집
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• 한국경영정보학회 2007년도 추계학술대회
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• pp.533-538
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• 2007

Since the Internet has been widespread all over the world, it has been getting more popular. Almost every bank that runs offline business has its own Web site to provide online banking service. In this study, we developed a research model based on the Technology Acceptance Model (TAM). We added the concepts of trust and cost to evaluate our model because trust is a major concept in adopting online service, and cost is one of the main strategies to attract customers to use online banking service. To see the validation of the model, we used partial least squares (PLS). A survey was done to gather data. The result was drawn from the model test, and we discuss it and conclude the study.

• Asia pacific journal of information systems
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• 제17권1호
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• pp.77-93
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• 2007

Risk has been considered as one of very important topics in traditional consumer behavior theoretically and practically since its tendency of minimizing errors rather than maximizing utilization in addition to its intuitive appealing with very high explaining power. In addition to a traditional view of risk, importance of risk in online transactions such as Internet banking is due to technical instability in security of the Internet as well as temporal and spatial separation of transaction partners. Therefore, risk in online transactions should be analyzed by a very comprehensive way since it is very inherent in the Internet. The objective of this study is to suggest a research model for explaining the use of online transactions in some risk related variables including risk results, security result, perceived security, and social influence and show its validity by applying it to Internet banking users. In result, hypotheses suggested by our research model are shown to be valid ones.

• 한국경영과학회지
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• 제41권1호
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• pp.71-85
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• 2016

Service channel environments have changed dramatically with the advent of new, online digital channels. This article studies the effects of perceived multi-channel service quality on customer satisfaction and loyalty in the banking industry and the moderating role of age, which is a characteristic of customers. The objective is to identify the quality factors that affect the overall satisfaction and loyalty of a multi-channel customer. A quantitative study was conducted on 900 customers, with the main targets being users of the nine primary Korean retail banks. Results show that perceived service quality of the physical environment, human service, Internet banking, mobile banking, and ATM has a positive influence on overall satisfaction and loyalty. Age moderates the relationship among physical environment quality, human service, and customer loyalty.

• 디지털융복합연구
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• 제6권3호
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• pp.75-84
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• 2008

The purpose of our 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 window's 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.

• International Journal of Computer Science & Network Security
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• 제21권12spc호
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• pp.513-520
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• 2021

The purpose of the article is to study the impact of digitalization on the transformation of the banking system, taking into account current innovative development trends. The article analyzes the impact of key factors on the development of the digital economy. Ukraine's ranking positions in terms of digital competitiveness are shown. The necessity of using digital technologies in the sphere of banking activity is substantiated. The dynamics of changes in the number of operating banks in Ukraine is analyzed. The directions of introduction of information technologies in the sphere of banking activity are determined. An analysis of changes in the share of the population of individual EU member states that use the Internet for Internet banking. It is noted that modern transformation trends, digitalization of the economy have a significant impact on the landscape of the banking sector, in this context, the rating of Ukrainian banks in the categories of "Internet Banking" and "Mobile Banking". The advantages and disadvantages of using the capabilities of Internet banking are identified. Based on the study, the importance of expanding the boundaries of digitalization of the domestic banking system is substantiated, which will further increase the level of availability of online services in the field of banking. Prospects for further research are identified in the study of the impact of digitalization on the development of the banking system of foreign countries.

• 디지털융복합연구
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• 제13권11호
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• pp.35-43
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• 2015

이 논문은 인터넷뱅킹 가입자들을 대상으로 인구통계변수와 이용 동기에 따른 인터넷뱅킹 이용 태도에 대하여 탐구하였다. 인터넷 뱅킹 고객의 태도분석을 위해 설문을 통한 자료수집 후 분산분석과 회귀분석을 사용하였다. 그 결과 연령과 경험에 따라 경제적 동기에 유의한 차이를 보였다. 남성 이용자는 여성에 비해 재미와 정보수집 동기가 높았다. 사용경험이 길고 방문횟수가 높은 이용자는 인터넷 뱅킹과 은행에 대한 태도에 유의한 영향을 주었다. 태도에 영향을 미치는 모든 동기요인은 금융상품과 인터넷 뱅킹에 영향을 주고 있다. 이 연구는 인구통계변수에 따른 인터넷뱅킹 태도와 동기에 대한 특성을 제시하였으며, 이 결과는 인터넷 뱅킹 이용자를 어떻게 동기부여 할 것인가와, 자사 은행과 뱅킹 사이트에 대해 긍정적인 태도를 갖도록 할 것인가에 이용될 수 있을 것이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.419-426
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• 2021

Mobile banking brings about a progressive change in the field of banking sectors in Bangladesh. To create a sustainable banking environment, technological implementation is important. As a part of this, many organizations as well as modern banks propelled mobile banking systems in Bangladesh. The customers' attitudes towards mobile banking are fascinating in Bangladesh. So, it is important for mobile banking authority to know what factors influence customers' positive attitude towards mobile banking usage and whether they are facing problems in using mobile banking. To evaluate the customers' attitude toward mobile banking usage in Bangladesh is the main objective of this study. People who use mobile banking have been considered for the study. Respondents were reached out based on their online activities. Around 400 questionnaires have been sent to respondents, but only 200 were returned with responses. A quantitative research design was used for this study. As regards statistical analysis tools, descriptive statistics, factor analysis, and regression analysis have been adopted for analyzing the research study. The results revealed that usage benefits, shopping benefits, and psychological factors influence customers' positive attitude toward mobile banking usage in Bangladesh. Besides, some problems with mobile banking usage are identified by the respondents.