• The Journal of Society for e-Business Studies
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• v.18 no.4
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• pp.169-193
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• 2013

This study investigates time series data on internet banking systems and business performances for 5 large-scale banks : Kookmin, Woori, Hana, City, Shinhan. These banks have the common features that they merged with other banks around 2000, hence they experienced massive IS integration between banks. This study adopted VAR and VECM for identifying Granger causality between the quality of internet banking systems and the performances of banks(operating revenue and cost). The main results are as follows. First, internet banking system impacts positively on the revenues as well as costs of banks. Second, the improvement of internet banking system is instigated by cost part more than revenue part. Hence, the results imply that banks tries to reduce operating costs via internet banking systems, however the systems rather increased the costs of banks, although the systems increased operating revenues of banks too.

• KIPS Transactions on Software and Data Engineering
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• v.2 no.12
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• pp.841-848
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• 2013

Nowadays, the finance changes so rapidly that the time period of developing a e-banking system has been shorter. As a result, the risk of developing in the new e-banking system has increased. Therefore financial institutions constantly ask to review the quality test of their system during the project development. However, from the developer's point of view, additional system quality inspection will delay the development time for a new project, so financial investors and developers, because this problem will cause conflict. In order to solve this problem, in this paper define priority that considered characteristics of e-banking system and thereby design range priority decision criteria for efficient code inspection. Even in the e-banking system development, it is expected that using newly designed range of code inspection will allow high efficient quality performance.

• The Journal of Society for e-Business Studies
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• v.10 no.3
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• pp.135-157
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• 2005

Based on literature relating to the theory of planned behavior(TPB) and the TAM, this study extends the applicability of the TAM in a mobile banking context, by adding one trust-based construct('perceived credibility') and two resource-based constructs('perceived efficacy' and 'perceived cost') and technical suitability constructs to the model, while paying careful attention to the placing of these constructs in the TAM's existing nomological structure. Data collected from 182 users in Korea were tested against the extended TAM, using the structural equation modeling approach. The results strongly support the extended TAM in predicting users intentions to adopt mobile banking. Several implications for IT/IS acceptance research and mobile banking management practices are discussed.

• Journal of the Korea Society of Computer and Information
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• v.12 no.5
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• pp.243-251
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• 2007

The purpose of this study propose and empirically assessed Internet Banking success model. This was derived through an analysis of the quality evaluation factors of Internet Banking services and review of TAM model, IS success model, e-Commerce success model literature. The research model consists of exogenous variables(ease of use, economic benefits, safety) and endogenous variables (usefulness, user satisfaction, trust, behavioral intention to use). The analysis results revealed that ease of use is a very significant factor influencing usefulness and user satisfaction, trust. Safety is a significant factor influencing trust. Economic benefits and usefulness, trust are significant factors influencing user satisfaction. Usefulness and user satisfaction are significant factors influencing behavioral intention to use. This study provide the initiative of Internet Banking success model. Internet banking firms will support the competitive service through strategic qualify evaluation and improvement using Internet Banking success model.

• KIPS Transactions on Software and Data Engineering
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• v.3 no.4
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• pp.139-148
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• 2014

With the development of IT, the financial sector has grown dramatically in Non face-to-face channel. However, because the initial costs calculation model which reflects the characteristics of the financial system does not exist, deteriorating reliability of budget establishment and low-price booking competition appeared. This negative situation leads to degradation of Internet Banking systems and customers who use these financial products have many troubles. Therefore, this paper improves the Initial Costs Expectation Model based on FPA & Expert Judgement Model. And it verified the effectiveness of this model through the regression analysis. As a result, we developed the Initial Costs Expectation Model for Internet Banking systems based on FPA, which is increased in accuracy than existing Cost Expectation Models.

• Information Systems Review
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• v.9 no.2
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• pp.67-83
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• 2007

This study deals with an important but ignored topic in previous IS research, so called trustee issue. The purpose of this study is to compare the influencing strengths of trust types on the customers' intention to adopt IT services. The research results showed that the influences of the customers' self-trust and the trust in mobile channel on the customers' intention to adopt mobile banking are statistically significant. However, unlike the results of previous research, it was revealed that the customers' trust in vendors is statistically insignificant in mobile banking services.

• The Science & Technology
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• v.34 no.9 s.388
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• pp.69-71
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• 2001

개인정보보호 인식 아직 낮아/인터넷 쇼핑, 공동구매 인기 상한가/무선메일 시스템 무료로 구축하세요/인터넷 뱅킹, 은행 가지 않고도 척척/2005년 e-Recruit 시장 13조원 규모에 달할듯

• Proceedings of the CALSEC Conference
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• 2001.02a
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• pp.257-272
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• 2001

· IMT-2000기반의 이동 멀티미디어 서비스의 일환 · M-Commerce서비스 제공을 위한 요소 기반 서비스의 개발 - 무선 보안/인증 서비스 - 전자 지불 서비스 - 무선 뱅킹 서비스 - 가상 증권 서비스 - 예약/발권 서비스 - 경제정보 제공 서비스 - 통합형 MC관리 서비스 ㆍ 2002년 IMT-2000 상용서비스에 대비한 개발 · 위 개별 서비스 근간의 M-Commerce서비스 시스템의 기반 구조 개발 및 구축(중략)

• The Journal of Society for e-Business Studies
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• v.3 no.1
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• pp.155-173
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• 1998

In this paper we present the development of internet banking and its impact on financial market. The internet banking has been introduced since 1990s, from which customers could obtain most financial services over internet, and will replace with the traditional banks. According to a survey, most of bankers agree that internet will play an important role in banking industry. The internet banking has an enormous impact on the transfer system and banking industry. The transfer system is divided into two-large-value transfer system and small-value transfer system, depending on the size of its transfer amount. The internet banking will enhance the transfer system, especially small-value transfer system. It will reduce the time lag between transaction of service and its payment. However, a congestion or a blockage in a part of network might stop the financial service all over the network, which is called "computer risk". As internet banking develops, banks have incentives to reduce their branches and have to compete with information-business companies which can offer financial EDI.

• The Journal of the Convergence on Culture Technology
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• v.6 no.1
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• pp.455-461
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• 2020

Electronic payment system using Internet banking is a very important application for users of e-commerce environment. With rapidly growing use of fintech applications, the risk and damage caused by malicious hacking or identity theft are getting significant. To prevent the damage, fraud detection system (FDS) calculates the risk of the electronic payment transactions using user profiles including types of goods, device status, user location, and so on. In this paper, we propose a new risk calculation method using relative location of users such as SSID of wireless LAN AP and MAC address. Those relative location information are more difficult to imitate or copy compared with conventional physical location information like nation, GPS coordinates, or IP address. The new method using relative location and cumulative user characteristics will enable stronger risk calculation function to FDS and thus give enhanced security to electronic payment systems.