• 한국정보시스템학회지:정보시스템연구
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• 제18권2호
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• pp.1-18
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• 2009

Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

• 한국멀티미디어학회논문지
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• 제18권2호
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• pp.218-232
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• 2015

According to the development of information processing technology and mobile communication technology, the utilization of mobile banking systems is drastically increasing in banking system. In the foreseeable future, it is expected to increase rapidly the demands of mobile banking in bank systems with the prevalence of smart devices and technologies. However, the keeping 'security' is very important in banking systems that handles personal information and financial assets. But it is very difficult to improve the security of banking systems only with the vulnerabilities and faults analysis methods of information security. Hence, in this paper, we accomplish the analysis of security risk factor and security vulnerability that occur in mobile banking system. With analyzed results, we propose the information security control and management processes for assessing and improving security based on the mechanisms which composes mobile banking system.

• 기술혁신연구
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• 제14권1호
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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.

• 한국멀티미디어학회논문지
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• 제18권11호
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• pp.1342-1350
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• 2015

Due to rapid development of mobile device technologies, the mobile banking through Internet has become a major service of banking information systems as a security-critical information systems. Recently, lots of mobile banking information systems which handle personal and transaction information have been exposed to security threats in vulnerable security control and management processes, mainly software systems. Therefore, in this paper, we propose a process model for software security improvements in mobile banking information system by application of fault tree analysis(FTA) and failure modes and effects analysis(FMEA) on the most important activities such as 'user authentication' and 'access control' and 'virus detection and control' processes which security control and management of mobile banking information systems are very weak.

• 정보보호학회논문지
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• 제27권3호
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• pp.549-562
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• 2017

최근 모바일뱅킹 사용의 일상화와 더불어 은행권에서 모바일뱅킹의 사용 비중이 더욱 커져감에 따라 보안 위협도 증가하고 있다. 이에 국내 금융권에서는 뱅킹 어플리케이션 내에 보안 솔루션들을 도입하고, 상시 실행되는지 여부를 확인하기 위하여 보안 검사 지점들을 설정하여 어플리케이션의 안정성을 보장하고 있다. 본 논문에서는 국내 주요 은행들의 안드로이드 뱅킹 어플리케이션 디컴파일(decompile)시 추출되는 중간언어를 정적 및 동적 분석하여 보안 검사 지점들을 우회하는 모바일 백신 프로그램 미작동의 취약점을 보인다. 또한, 결과를 통해 이를 악용할 수 있는 공격을 알아보고 대응 방안을 제시한다.

• 한국멀티미디어학회논문지
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• 제7권12호
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• pp.1719-1728
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• 2004

The fusion of Internet technology and applications with wireless communication provides a new business model and promises to extend the possibilities of commerce to what is popularly called mobile commerce, or m-commerce. In mobile Internet banking service through wireless local area network, security is a most important factor to consider. We describe the development of security service for mobile Internet banking on Personal Digital Assistants (PDAs). Banking Server and Authentication Server were developed to simulate banking business and to support certificate management of authorized clients, respectively. To increase security, we took hybrid approach in implementation: symmetric block encryption and public-key encryption. Hash function and random number generation were exploited to generate a secret key. The data regarding banking service were encrypted with symmetric block encryption, RC4, and the random number sequence was done with public-key encryption. PDAs communicate through IEEE 802.IIb wireless LAN (Local Area Network) to access banking service. Several banking services and graphic user interfaces, which emulatedthe services of real bank, were developed to verity the working of each security service in PDA, the Banking Server, and the Authentication Server.

• 인터넷정보학회논문지
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• 제18권4호
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• pp.69-78
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• 2017

최근 우리나라에서 활발하게 도입되고 있는 공인인증서 기반의 오픈 뱅킹은 표준 통신 프로토콜과 웹 호환성 지원을 통해 기존 공인인증서 기반의 폐쇄형 뱅킹의 갈라파고스화 문제를 상당 부분 해소할 수 있을 것으로 기대되고 있다. 그러나 새로운 오픈 뱅킹이 기존 폐쇄형 뱅킹에 대해 제기되어온 안전성 문제와 사용자 편의성 문제를 어느 정도 해소할 지에 대해서는 의문으로 남아있다. 본 논문은 기존의 공인인증서 기반의 폐쇄형 뱅킹과 오픈 뱅킹의 구현 방식 차이를 분석하고, 오픈 뱅킹이 폐쇄형 뱅킹이 안고 있는 보안성과 편의성 문제를 어느 정도 해소하고 있는지 분석하는데 초점을 맞추고자 한다. 이 분석은 기존 폐쇄형 뱅킹이 15년 이상 서비스를 제공하는 과정에서 제기된 보안성 취약점, 보안성 강화를 위해 적용된 대응책, 대응책의 편의성에 대한 영향을 먼저 분석하고, 폐쇄형 뱅킹과 오픈 뱅킹의 구현 방식 차이를 통해 오픈 뱅킹의 보안성과 편의성을 추론하는 방식으로 진행되었다. 분석 결과 오픈 뱅킹이 여전히 안고 있는 보안성과 편의성 문제를 해소하기 위해 향후 오픈 뱅킹이 어떻게 개선되어야 하는지에 대해서도 간략하게 논의하고자 한다.

• International Journal of Computer Science & Network Security
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• 제21권12spc호
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• pp.477-482
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• 2021

The existing approaches to ensuring the banking security of the state do not take into account the peculiarities of the banking system in the rapid development of the information economy (increasing uncertainty, imbalance and nonlinearity of processes in the banking system under the influence of innovation, institutions, information asymmetry, etc.). A methodological approach to determining the synergetic effect in the implementation of the regulatory influence of the state on the development of innovation processes related to informatization in the banking system, based on the use of differential equations and modelling the sensitivity of innovation processes related to informatization in the banking system, to the regulatory influence of the state to prevent the deployment of risks and threats to economic security of the state in this area has been suggested in the present article.

• 아태비즈니스연구
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• 제6권1호
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• pp.27-43
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• 2015

The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.

• International Journal of Fuzzy Logic and Intelligent Systems
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• 제11권4호
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• pp.229-237
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• 2011

As smart phones have become widely adopted, they have brought about changes in individual lifestyles, as well as significant changes in the industry. As the mobile technology of smart phones has become associated with all areas of industry, it is not only accelerating innovation in other industries such as shopping, healthcare service, education, and finance, but is also creating new markets and business opportunities. The preparation of thorough security measures for smart phones is increasing in demand. While offering excellent mobility and convenience, smart phones can be exposed to a range of violation threats. In particular, it is necessary to make efforts to develop a security system that can preemptively cope with potential security threats in the banking service area, which requires a high level of reliability. This paper suggests a security reference model that is considered for the smart phone-based joint mobile banking development project being undertaken by the Bank of Korea in 2010. The purpose of this study is to make a security reference model for a reliable smart phone-based mobile financial service, by recognizing the specific security threats directed toward smart phones, and providing countermeasures to these security threats. The proposed mobile banking security reference model is useful in improving system security by systematically analyzing information security threats to the mobile financial service, and by presenting the guideline for the preparation of countermeasures.