• The Journal of Information Systems
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• v.29 no.3
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• pp.77-101
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• 2020

Purpose Internet only bank is one of the promising untact businesses which are rising in COVID-19 pandemic. Kakaobank and Kbank have been offering banking services since 2017 in Korea and WeBank and MYbank in China opened the services since 2015. It is necessary to examining determinants of customer loyalty beyond intention to use. The purpose of the present study is to analyze factors influencing customer loyalty and their determinants. A research model integrating the relationships among customer loyalty, service satisfaction, trust, and social influence, and their determinants was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 235 valid data were collected from users of Internet only bank in China. Nine latent variables grouped from 38 indicators were reliable and valid and nine hypotheses were tested by using SmartPLS. Findings All nine hypotheses were supported at significant levels of 0.001 and 0.01. Trust, service satisfaction, and social influence had influenced on customer loyalty. Trust not only affected customer loyalty directly, but also had influence on it indirectly through service satisfaction. Empathy and convenience are determinants of trust. Perceived expertise and dispositions believing acquaints had a positive influence on social influence, whereas users' anxiety for technology or change had a negative influence on social influence. Implications for academics and practitioners were suggested.

• The Journal of Information Systems
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• v.28 no.1
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• pp.17-39
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• 2019

Purpose The purpose of the present study is to analyze the factors influencing the intention to use direct bank continuously from the perspective of service rather than technology. Hygiene factors including economic benefits, privacy, and unverified risks, and convenience of service as a motivator were considered as user's satisfaction. A research model integrating the relationships among user's satisfaction, its determinants, social influence, and continuous intention to use direct banks was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 253 valid data were collected from users of direct bank service in South Korea and China, and used to test six hypotheses. Findings User's satisfaction and social influence were determinants of continuous use intention of direct bank. Convenience of service as a motivator has a significant influence on service satisfaction, while economic benefits, privacy, and unverified risks as hygiene factors have no significant influence on the continuous intention. Managers of direct banks need to implement service differentiation strategies to gain customers' loyalty. Also they seek to find the determinants of social influence. The present study confirmed that there is a big difference between Korea and China in terms of factors affecting the continuous intention to use direct bank.

• Proceedings of the Korea Society for Industrial Systems Conference
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• 2002.11a
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• pp.136-160
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• 2002

Most important to financial institutions is to provide well designed and built services to the customers by accessing their core bank systems and affiliated systems in their partners. This will be essential to introduce new products and services and still be able to count on legacy and collaborative affiliated systems. Winning the war on such service competitions among financial institutions is attainable by seizing the "e-bank" opportunities in B2Bi and CRM (Customer Relationship Management). Such application integrations among systems and "e-bank" services need to be available in the new IT environment. In this article, an If and service architecture adopting unified e-business services platform is proposed. This architecture is able to achieve application integrations among legacy, affiliated, and e-business systems and services. We derive an architecture in unified e-business services platform by investigating current and future e-business services platforms involved in domestic and global international banks. Several financial interchange standards which are involved in B2B business of e-procurement, e-placement, e-payment are also investigated.

• International Journal of Fuzzy Logic and Intelligent Systems
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• v.16 no.4
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• pp.276-280
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• 2016

A fixed rate speech coder based on the filter bank and the non-uniform sampling technique is proposed. The non-uniform sampling is achieved by the detection of inflection points (IPs). A speech block is band passed by the filter bank, and the subband signals are processed by the IP detector, and the detected IP patterns are compared with entries of the IP database. For each subband signal, the address of the closest member of the database and the energy of the IP pattern are transmitted through channel. In the receiver, the decoder recovers the subband signals using the received addresses and the energy information, and reconstructs the speech via the filter bank summation. As results, the coder shows fixed data rate contrary to the existing speech coders based on the non-uniform sampling. Through computer simulation, the usefulness of the proposed technique is confirmed. The signal-to-noise ratio (SNR) performance of the proposed method is comparable to that of the uniform sampled pulse code modulation (PCM) below 20 kbps data rate.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.40 no.8
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• pp.1577-1587
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• 2015

Privacy of financial customers is becoming important due to frequent leakage of personal information. Financial customers, who experience the leakage of personal information, feel threatened by their privacy and this changes customer's awareness about financial institutions or behavioral intentions. By examining the influence relation of personal information security vulnerability of the bank information system with usefulness, trust and attractiveness perceived by bank customers, this study aims to analyze the effect of each variable on bank customers' willingness to stay.

• The Journal of Information Systems
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• v.32 no.3
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• pp.151-164
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• 2023

Purpose This study aims to analyze the current status of consumer awareness on Internet banks by conducting a full investigation and collecting user opinions presented on Google Play. After cateogorizing the current dissatisfaction, we would like to present not only the direction of the Internet bank service of but also the improvements of the platform. Design/methodology/approach Using opinion mining, subjectivity analysis, polarity analysis, and polarity information analysis of comments were conducted step by step to extract negative and positive keywords. The extracted keywords analyzed the weights of the frequently appearing positive and negative keywords using the TF-IDF model. Based on previous studies that negative information is more sensitive to positive information, we tried to confirm the connection, proximity, and mediation of negative keywords. Semantic Network Analysis (SNA) was used to visualize the connection relationship between the negative comment keywords of the three Internet banks. Findings Domestic Internet banks such as Kakao Bank, K-Bank, and Toss Bank have attracted a lot of attention even before they were established, and after establishment, they have secured a wide range of users through platforms that are completely different from existing banks. This study found out that the convenience of the app affects the opening and transaction of non-face-to-face accounts, which are characteristics of domestic Internet banks, which also affects the bank's business strategy. In addition, this study shows that the business characteristics of the company can be identified.

• Journal of the Korea Society of Computer and Information
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• v.22 no.12
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• pp.35-48
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• 2017

Extracting temporal information from documents is becoming more important, because it can be used to various applications such as Question-Answering (QA) systems, Recommendation systems, or Information Retrieval (IR) systems. Most previous studies only focus on English documents, and they are not applicable to the other languages due to the inherent characteristics of languages. In this paper, we propose a new system, named ExoTime, designed to extract temporal information from Korean documents. The ExoTime adopts an external Knowledge Base (KB) in order to achieve better prediction performance, and it also applies a bagging method to the temporal relation prediction. We show that the effectiveness of the proposed approaches by empirical results using Korean TimeBank. The ExoTime system works as a part of ExoBrain that is an artificial intelligent QA system.

• Information Systems Review
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• v.1 no.1
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• pp.51-61
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• 1999

• The Journal of Information Systems
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• v.11 no.1
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• pp.75-103
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• 2002

현대사회는 전통적인 경제체제에서 디지털 경제체제로의 급속한 이전과 더불어 정보기술이 국가발전의 주요 원동력으로 등장하게 되었다. 특히, e-정부의 출현은 기존의 정부서비스에 대한 시공간적 제약을 극복하는 새로운 패러다임으로 간주되고 있다. 본 연구는 e-정부 실현을 위한 대표적인 사례로 KICIT을 중심으로 정보기술의 활용사례와 더불어 EC-Bank를 중심으로 한 지방정부의 사이버 마케팅에 대한 사례연구를 통해 e-정부의 조기 실현을 위한 산업부문의 e-비즈니스화에 대한 하나의 대안으로 소개하였다. e-구미의 모형은 행정, 생활, 산업 차원에서의 네트워크화, 균형과 조화, 부문간의 연계로 시행정의 디지털화, 사이버 정보생활의 실현 및 산업의 e-비즈니스화의 실현을 중심으로 제시하였다. 본 연구에서 KICIT은 중소도시에 집중되어 있는 지역정보센터의 산학관 협력의 모델케이스로 효율적으로 운영되고 있음을 확인할 수 있었다. 이제는 구미지역 기업체와 연구교육기관에서 핵심적인 지원기관으로 지역관련기관과의 보다 유기적인 협력을 계속 유지. 발전해 나가야 할 것이다. 지자체의 사이버 마케팅 사례인 EC-Bank는 정보서비스를 단순히 제공하는 수준인 전자상거래의 초기단계로 사이트 및 콘텐츠 관리의 소홀로 인하여 초기의 목적을 거의 이루지 못한 실정이다. 앞으로 산학관의 친밀한 협력과 e-프로세스의 대혁신을 통해서 새로운 업무활용, 웹기반의 거래처리 및 e-비즈니스 모형의 창출을 위해 계속적으로 노력해야할 것이다.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.4
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.