• International Journal of Computer Science & Network Security
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• v.21 no.12spc
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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.

• Asia pacific journal of information systems
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• v.23 no.1
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• pp.65-86
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• 2013

Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing internet banking and mobile banking in Indonesia. Using a structural equation modelling approach. We found that system quality had positive impacts on perceived usefulness and end-user satisfaction for both internet banking and mobile banking. The development of e-banking (internet banking and mobile banking) in Indonesia is in its initial stage. Finally, although we tested for the common method bias to relieve concern, further research may use multiple methods when collecting the data. This study investigated the role of each dimension of IS success in the electronic banking environment. While the original IS success model emphasizes individual and organizational impacts, we have argued that trust is an important indicator of IS impact on an individual socially in the banking industry. The contribution of our study is two-fold. Conceptually, the study is the first to extend the IS success model to the e-banking context. We provide an extension of the updated IS success model by adding trust as an outcome variable in the research model.

• International journal of advanced smart convergence
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• v.8 no.1
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• pp.44-57
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• 2019

Most banks in Korea have provided Internet banking services based on PKI(Public Key Infrastructure) certificates since the early 2000s when Internet banking began in Korea. To support PKI Internet banking, the Korean government backed the electronic signature law and supported the rapid spread of PKI-based Internet banking by regulating the application of PKI certificates to be compulsory in Internet banking until 2015. PKI Internet Banking in Korea has been developed as a pioneer in this field through many challenges and responses until its present success. Korea's PKI banking, which started with soft-token-based closed banking, has responded to various types of cyber attack attempts and promoted the transition to open banking by accepting various criticisms due to lack of compatibility with international standards. In order to improve the convenience and security of PKI Internet banking, various attempts have been made, such as biometric-integrated smartphone-based PKI authentication. In this paper, we primarily aim to share the experience and lessons of PKI banking by analyzing the evolution process of PKI Internet banking in Korea. It also has the purpose of presenting the challenges of Korea's PKI Internet banking and sharing its development vision.

• Journal of Technology Innovation
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• v.14 no.1
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• pp.201-225
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• 2006

Technology Acceptance Model (TAM) considers perceived ease of use and perceived usefulness as the important determinants of user behavior regarding information technology. As an extension of TAM, this research examines perceived security as an additional determining variable to explain an individual's acceptance and use of mobile banking as well as internet banking. The results show that perceived ease of use does not affect the individual's attitude toward the use of mobile or internet banking, while perceived usefulness does. Furthermore, perceived security affects perceived usefulness in mobile banking, but not in internet banking. In addition, in mobile banking, perceived security is positively related to perceived usefulness, though perceived security is negatively related to attitude. Finally, the average scores of surveyed data for Internet banking are higher and significantly different than those for mobile banking.

• Proceedings of the Korea Database Society Conference
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• 2010.06a
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• pp.249-264
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• The Journal of Information Systems
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• v.25 no.1
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• pp.105-134
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• 2016

Purpose First, this study examines the relationship between characteristics of smartphone banking and trust of smartphone banking. Second, this study investigates the impact of perceived benefit on the trust and usage intention of smartphone banking. Finally, this study considers moderating effect of service quality in the relationships between perceived benefit and trust and usage intention of smartphone-based mobile banking. Design/methodology/approach This research uses the survey method to test its hypotheses, the survey population is smartphone baking users. A software tool called AMOS 17.0 used to analyze the research model. Findings The results showed that characteristics of smartphone banking channel like compatibility, timeliness, and mobility had a positive effect on the trust of smartphone banking. The device familiarity showed a significant positive impact on trust of smartphone banking. While the service quality moderated the relationship between trust and usage intention of smartphone banking, moderating effect of service quality in the relationship between perceived benefit and its usage intention was not significant. The results of this study could provide a theoretical framework to explain customers' decision of smartphone banking and practical implications for banking venders.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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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.

• 한국경영정보학회:학술대회논문집
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• 2007.06a
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• pp.931-936
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• 2007

To understand the relationship between factors influencing customers' intention to switch from current banking services to mobile banking service. We first investigates immediate influence of customers' satisfaction with existing banking service and attractiveness of mobile banking as an alternative service. We further examines the moderating effect of alternative service attractiveness that influences the relationship between existing service satisfaction and switching intention to mobile banking service.

• Journal of Distribution Science
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• v.18 no.6
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• pp.83-91
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• 2020

Purpose: Research on the behavior of using digital banking services plays an important role for banks in the context of increasingly competitive banks, not only for domestic banks but also for foreign banks. Along with the development of science and technology brings new approaches to banking industry, digital banking increases the effectiveness of banking activities. Besides, information safety brings different feeling about digital banking system. Therefore, this research evaluates the relationship between Information safety and Intention to use banking services in Vietnam. Research design, data and methodology: With 329 Vietnamese customers using digital banking, reliability test, and structural equation model (SEM) analysis method. Results: the research shows that information safety has directly effects on perceived ease of use (PU), perceived risk (RIS) of customers to digital banking services. Perceived trust (TRU) has a negative impact on RIS. Perceived of usefulness (PEU) has a positive impact on attitude towards service (ATT), and RIS has a negative impact on ATT. RIS, PEU, ATT, convenience and enterprise image have positive effects on intention to use digital banking service. Conclusions: From the research results, the authors also propose some recommendations to enhance the intention to use digital banking services in Vietnam.

• Asia pacific journal of information systems
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• v.12 no.4
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• pp.215-235
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• 2002

Recently, most banks in Korea provide internet banking services for customers, and the number of internet banking users is growing rapidly. However, the percentage of internet banking from the perspective of total banking transactions is only about 8.8%. In this thesis we identify customers' perceived value of internet banking and the relationship between customer value and customer loyalty. Furthermore, we illustrate the role of internet banking as the strategic channel of customer loyalty. We performed an empirical data analysis on internet banking users. The results showed that the relationship between customer value and customer loyalty is significant and customer loyalty toward internet banking sites has a positive effect on customer loyalty toward banks. The implications of this study are that internet banking sites should concentrate on delivering customer value such as ease of use, playfulness, and trust, and thereby strengthen customer loyalty.