• 한국컴퓨터정보학회논문지
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• 제20권12호
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• pp.61-66
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• 2015

In this paper, we draw a security assessment by analyzing possible vulnerabilities of the designated PC service which is supposed for strengthening security of current online identification methods that provide various areas such as the online banking and a game and so on. There is a difference between the designated PC service and online identification methods. Online identification methods authenticate an user by the user's private information or the user's knowledge-based information, though the designated PC service authenticates a hardware-based unique information of the user's PC. For this reason, high task significance services employ with online identification methods and the designated PC service for improving security multiply. Nevertheless, the security assessment of the designated PC service has been absent and possible vulnerabilities of the designated PC service are counterfeiter and falsification when the hardware-based unique-information is extracted on the user's PC and sent an authentication server. Therefore, in this paper, we analyze possible vulnerabilities of the designated PC service and draw the security assessment.

• 한국정보통신학회:학술대회논문집
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• 한국해양정보통신학회 2008년도 추계종합학술대회 B
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• pp.736-739
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• 2008

Phishing is a form of online identity theft that aims to steal sensitive information such as online banking passwords and credit card information from users. This paper presents a novel browser extension, AntiPhish, that aims to protect users against spoofed web site-based phishing attacks. To this end, AntiPhish tracks the sensitive information of a user and generates warnings whenever the user attempts to give away this information to a web site today requires only the server to be hat is considered untrusted.

• 정보학연구
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• 제2권2호
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• pp.107-125
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• 1999

‘90년대 중반이후 급속히 성장한 전자금융은 금융자동화기기의 대중화와 더불어 홈뱅킹, 텔레뱅킹 등 공중통신망을 통한 거래, 인터넷을 통한 자금결제 등 다양한 지불수단을 제공하고 있다. 이러한 금융결제환경에서 소비자는 자금관리의 유동성을 확보하였으며 보다 편리하고 다양한 금융서비스를 제공하는 금융기관을 선호할 것으로 예견되며 은행은 고객편의성에 입각한 지불결제시스템의 제공과 이를 통한 새로운 경영수익 확대방안을 마련하여야 할 것이다. 또한 통화관리당국은 전자금융시스템의 안정적 기술기반의 제공과 더불어 지불수단별 전자금융의 추세를 분석하고 예측함으로써 금융시장의 교란요인을 최소화할 수 있는 방안을 마련하여야 할 것이다.

• 유통과학연구
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• 제22권6호
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• pp.33-44
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• 2024

Purpose: This study aims to measure how information quality, system quality, security, usefulness, and ease of use of Augmented Reality (VR) and Virtual Reality (AR) influence user satisfaction, motivating intelligent travel technology developers to improve VR/AR quality to meet customer requirements. Research design, data and methodology: This study investigates users interested in travelling in Ho Chi Minh City and Nha Trang City, Vietnam. The research model was implemented using an online questionnaire and face-to-face from 405 valid samples. To evaluate the scale's reliability, the study used the software SPSS 20. Test research hypotheses and evaluate measurement and structural models. This research uses AMOS 20 software. The proposed model is firmly grounded in the Information System Success model (ISS) and the Technology Acceptance Model (TAM), providing a solid theoretical foundation for our research. Results: Results show that consumer perceptions of information quality, system quality, security, usefulness, and ease of use have a positive impact on the perceived quality of VR/AR, thereby influencing tourists' travel intention. Conclusions: The results of this research enrich the theoretical understanding of consumer behaviour toward intelligent technology products in tourism, providing management implications for manufacturers to improve the quality of tourism products and satisfy user requirements in experience before considering choosing a destination.

• 정보보호학회논문지
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• 제26권3호
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• pp.735-744
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• 2016

최근 모바일 서비스 증가와 함께 다양한 개인정보 유출사고가 증가하고 있다. 개인정보 유출사고는 개인의 모바일 뱅킹 서비스 이용에 중요한 영향을 미친다. 이에 따라 본 연구에서는 다양한 개인정보 유출사고 인지가 모바일 뱅킹 이용자의 심리와 행동에 미치는 영향관계를 살펴보았다. 본 연구에서는 모바일 뱅킹 이용자의 심리와 행동 이해를 위해 인간의 심리와 행동을 설명해주는 대인행동이론과 외부 자극에 대한 반응 결과를 설명해주는 자극반응이론을 활용하였다. 본 연구자들은 모바일 뱅킹 이용자들을 대상으로 온라인을 통해 설문조사를 수행하였고, 구조방정식 모델을 통해 인과관계를 분석하였다. 본 연구결과는 모바일 뱅킹 서비스를 제공하는 금융기관에서 개인정보보호 관련 준수의도와 준수행동을 강화하는데 유용하게 활용될 것이다.

• 정보처리학회논문지C
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• 제12C권2호
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• pp.301-308
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• 2005

최근 온라인을 이용한 금융거래가 매우 빠른 속도로 증가함에 따라 해당 거래에 대한 유효성 보장은 더욱 중요한 의미를 가지게 되었다. 해당 거래에 대한 유효성 보장을 효과적으로 제공하기 위해서는 거래 당사자의 신원확인, 거래 데이터의 무결성 및 기밀성 보장, 거래의 대한 부인방지 기능 등을 실시간으로 제공할 수 있는 인증서 상태 검증 시스템이 요구된다. 기존의 실시간 인중서 상태 검증 시스템은 모든 트랜잭션에 대해 하나의 노드에서 처리해야하는 구조적인 집중화 현상이 발생한다. 또한 상태 검증을 요청할 때마다 불필요한 정보까지 모두 전송하기 때문에 네트워크 과부하와 통신 병목현상이 발생한다. 이와 갉은 문제점으로 인해 실시간 응답시간이 중요시 되는 금융거래에는 적합하지 않다. 본 논문에서는 기존의 실시간 인증서 상태 검증 요청시 불필요한 정보와 구조적인 집중화 현상으로 인한 문제점을 개선하기 위하여 검증서버를 도메인별로 분산시켜 상태 검증을 처리한다. 또한 인증서 상태 검증에 반드시 필요한 축약정보만을 이용하여 검증을 요청함으로써 네트워크 과부하와 통신 병목현상을 해결 할 수 있는 실시간 인증서 상태 검증 기법을 제안한다. 또한, 실험을 통하여 기존 OCSP(Online Certificate Status Protocol) 기법에 비해 약 $15\%$정도 인증서 상태 검증 속도가 향상됨을 확인하였다.

• Safety and Health at Work
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• 제13권2호
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• pp.220-226
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• 2022

Background: Research on the impact of psychosocial risks on well-being at work remains scarce in low- and middle-income countries, especially in the banking sector. This study sought to examine the relationships between job demands, job resources, well-being, job satisfaction, and work engagement in the Zimbabwean banking sector. Methods: An online survey was administered to 259 employees from five banks. Hierarchical multiple regression tested the relationships between job demands (quantitative demands, emotional demands, work pace, and work-family conflict), job resources (possibilities for development, social support from colleagues and supervisors, quality of leadership, and influence at work), well-being, work engagement, and job satisfaction. Interactions between all variables were tested. Results: Job demands were negatively related to well-being, work engagement, and job satisfaction. Job resources had positive relationships with the same. Work pace had positive relationships with well-being and work engagement. Influence at work moderated the relationship between emotional demands and work pace with well-being. Possibilities for development moderated the relationship between work-family conflict and well-being. Work-family conflict moderated the relationship between social support from colleagues and job satisfaction. Emotional demands, work pace, and quantitative demands moderated the relationship between influence at work with job satisfaction and work engagement. Conclusion: Job demands should be reduced where possible in order to enhance employee well-being, work engagement, and job satisfaction. The job resources that should be availed to facilitate a positive psychosocial work environment in the banking sector include social support from supervisors, influence at work, and possibilities for development.

• Asia Marketing Journal
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• 제15권1호
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• pp.23-42
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• 2013

To overcome the profitability challenge these days, many global banks are increasingly focusing on cost efficiency through more efficient banking processes, such as online and mobile banking, whereas a number of other banks choose to differentiate their services for retaining and attracting the most valuable customer segment (Deloitte, 2011). While global banks in the retail banking industry are adopting either of these two business models as a strategic choice for their long-term growth, KB Kookmin Bank, one of the leading retail banks in South Korea, has begun to operate 'KB Rockstar' as a strategic channel, particularly designed to target college students in the youth market. The new marketing strategy has resulted in a positive impact on its brand image in customers' perception as well as a drastic increase in the number of youth customers. In this study, we analyze the case of 'KB Rockstar' and summarize the key factors for its success from a marketing perspective. First, 'KB Rockstar' is not simply a good channel strategy, but an innovative marketing strategy that aligns place, product and promotion together in order to create a synergy effect, resulting in the successful implementation of the bank's targeting strategy. Second, the strategy effectively establishes 'KB Rockstar' as a brand targeted to youth customers while also competently strengthening the image of the corporate brand, KB Kookmin Bank. The skillful implementation of organically combined marketing mix strategies has enabled the successful launch of the bank's sub-brand. Third, the strategy considers a retail bank branch as not only the place that makes sales transactions in order to generate short-term profits, but also the place that builds a long-term relationship with customers in order to maximize their lifetime values in the long run.

• 유통과학연구
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• 제15권1호
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• pp.57-70
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• 2017

Purpose - This study examined the effects of CRM success factors on business performance and customer performance, and the effects on job performance and customer performance through internal member satisfaction by considering of technology, organizational environment and customer relationship factors in CRM success factors from banking sectors. Research design, data, and methodology - An online questionnaire was conducted to 251 employees in banking sectors. The data were analyzed by SPSS 22.0 and Amos 21.0. CRM success factors, internal member satisfaction, job performance, and customer performance were analyzed by descriptive statistics and Pearson's correlation analysis. The bootstrapping in structural equations was conducted to verify the mediating effect of internal member satisfaction. Results - Internal members' satisfaction had a positive effect on job and customer performance. It mediated the relationship between organizational environment, customer relationship factors and job performance. It also mediated the relationship between organizational environment and customer performance. Conclusions - If internal members' relationship with customers is improved by the members' satisfaction, customer retention, customer satisfaction, and work performance will be achieved. The stability and usability in CRM system support jobs effectively, but the internal members did not feel their job satisfaction. Thus, they did not show a positive effect on job and customer performance.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.545-556
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• 2021

The financial technology sector is now growing rapidly all over the world, and it has improved the banking system efficiency and customer experience. This research study attempts explicitly to explore the consumer acceptance attitude of FinTech and its products in Pakistan. Technology Acceptance Model was used to assess the entire variable associated with the consumer attitude to adopt new technology. Based on a survey conducted from Pakistan data and by employing the multiple regression analysis, this study proves that the risk involved in FinTech products and services results in less usage of financial technology. The findings of the study also show that the risk should be reduced if banks and other institutes that are involved in financial transactions online must provide security. Moreover, customers are not willing to pay an extra amount for using financial technology. It argues that usefulness helps to change the attitude of banking customers to use financial technology. The attitudes of the customers have a positive relationship with the adoption of financial technology. These results also help guide financial institutions to enhance the adoption of FinTech products. User attitudes must be changed by providing users with more security, less risky applications, and cost-effective products.