• Title/Summary/Keyword: internet bank

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An Empirical Study on System Evaluation and Recommendation Factors of Internet Banking (인터넷뱅킹 시스템 평가 및 추천 요인에 대한 실증 분석)

  • Kim, Min-Cheol;Noh, Kyoo-Sung;Kim, Hee-Cheol
    • Journal of Digital Convergence
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    • v.2 no.2
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    • pp.77-87
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    • 2004
  • The main purpose of this study is to establish the empirical model of internet banking system. The results of this study shows that the statistical significant lies in confidentially and response among many factors. And additionally another result for recommendation factor by legit analysis that there is the significant result. Thus in the present period, bank company will focus to rise up the reliance of the internet banking system.

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Measurement of the Internet Banking Customer Satisfaction using Structured Equation Model

  • Choi, Kyung-Ho
    • Journal of the Korean Data and Information Science Society
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    • v.16 no.2
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    • pp.301-311
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    • 2005
  • This study has conducted to measure the internet banking customer satisfaction using structured equation model. Data was collected by e-mail system. Among survey panel who had experience of using Hanwha-Bank internet banking service, final samples were 2,848 respondents. The results showed that usage convenience and economy factor was most correlated with customer satisfaction. And we found that word-of-mouth behavior was affected customer satisfaction.

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Study about the Positive and Negative Affect on the Continuance Intention of Internet only Bank (금융소비자의 지속사용의도에 영향을 미치는 정적·부적 정서 연구: 인터넷전문은행을 중심으로)

  • Kim, Jin A;Yoon, Jeewhan
    • Journal of Digital Convergence
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    • v.16 no.12
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    • pp.267-281
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    • 2018
  • Internet only Banks in Korea have acquired more than seven million customer base, but most of the accounts are not active. As financial products tend to be similar, customer affect plays more crucial role than service features in continuance intention. The purpose of this research is to study about the impact of positive and negative affect on the continuance intention. The result indicated that positive affect is positively related to continuance intention, and negative affect is negatively related to continuance intention. Also expectation confirmation is positively related to positive affect. The results imply Internet only Banks need to focus on customer's positive affect and expectation confirmation to improve continuance intention.

Why People Adopt the Virtual Bank? -An Empirical Study on Motivational Factors- (인터넷 전문은행 채택 요인에 관한 실증 연구)

  • Lee, Seulki;Lee, Jungwoo
    • Journal of Digital Convergence
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    • v.18 no.12
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    • pp.205-216
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    • 2020
  • In this study, a research model is constructed based on the theory of technology adoption. Independent constructs are largely grouped into two: (1) virtual bank characteristics (responsiveness, ease of use, economic benefits, and security), and (2) individual characteristics (innovativeness, self-efficacy and Internet experience). On the dependent side, user satisfaction is posited to influence the loyalty via intention to continuous use. PLS analysis of 194 data points collected revealed that economic benefits, security, innovativeness, and Internet experiences are significantly and positively associated with user satisfaction, intention to continuous use and loyalty. Paths among satisfaction and intention towards the loyalty are also validated. Details of results are discussed with practical and academic implications.

A Simplified Zero-Forcing Receiver for Multi-User Uplink Systems Based on CB-OSFB Modulation

  • Bian, Xin;Tian, Jinfeng;Wang, Hong;Li, Mingqi;Song, Rongfang
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.14 no.5
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    • pp.2275-2293
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    • 2020
  • This paper focuses on the simplified receiver design for multi-user circular block oversampled filter bank (CB-OSFB) uplink systems. Through application of discrete Fourier transform (DFT), the special banded structure and circular properties of the modulation matrix in the frequency domain of each user are derived. By exploiting the newly derived properties, a simplified zero-forcing (ZF) receiver is proposed for multi-user CB-OSFB uplink systems in the multipath channels. In the proposed receiver, the matrix inversion operation of the large dimension multi-user equivalent channel matrix is transformed into DFTs and smaller size matrix inversion operations. Simulation is given to show that the proposed ZF receiver can dramatically reduce the computational complexity while with almost the same symbol error rate as that of the traditional ZF receiver.

First Smart Contract Allowing Cryptoasset Recovery

  • Kim, Beomjoong;Kim, Hyoung Joong;Lee, Junghee
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.16 no.3
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    • pp.861-876
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    • 2022
  • Cryptoassets such as Bitcoin and Ethereum are widely traded around the world. Cryptocurrencies are also transferred between investors. Cryptocurrency has become a new and attractive means of remittance. Thus, blockchain-based smart contracts also attract attention when central banks design digital currencies. However, it has been discovered that a significant amount of cryptoassets on blockchain are lost or stranded for a variety of reasons, including the loss of the private key or the owner's death. To address this issue, we propose a method for recoverable transactions that would replace the traditional transaction by allowing cryptoassets to be sent to a backup account address after a deadline has passed. We provide the computational workload required for our method by analyzing the prototype. The method proposed in this paper can be considered as a good model for digital currency design, including central bank digital currency (CBDC).

Importance-Performance Analysis for Korea Mobile Banking Applications: Using Google Playstore Review Data (국내 모바일 뱅킹 애플리케이션에 대한 이용자 중요도-만족도 분석(IPA): 구글 플레이스토어 리뷰 데이터를 활용하여)

  • Sohui, Kim;Moogeon, Kim;Min Ho, Ryu
    • Journal of Korea Society of Industrial Information Systems
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    • v.27 no.6
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    • pp.115-126
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    • 2022
  • The purpose of this study is to try to IPA(Importance-Performance Analysis) by applying text mining approaches to user review data for korea mobile banking applications, and to derive priorities for improvement. User review data on mobile banking applications of korea commercial banks (Kookmin Bank, Shinhan Bank, Woori Bank, Hana Bank), local banks (Gyeongnam Bank, Busan Bank), and Internet banks (Kakao Bank, K-Bank, Toss) that gained from Google playstore were used. And LDA topic modeling, frequency analysis, and sentiment analysis were used to derive key attributes and measure the importance and satisfaction of each attribute. Result, although 'Authorizing service', 'Improvement of Function', 'Login', 'Speed/Connectivity', 'System/Update' and 'Banking Service' are relatively important attributes when users use mobile banking applications, their satisfaction is not at the average level, indicating that improvement is urgent.

An Empirica1 Study on the Relationship between Determinants of Service Quality and Purchasing Behavior -Focused m the Internet Banking- (서비스품질 결정요인과 구매행동에 관한 연구 -인터넷뱅킹을 중심으로-)

  • Park, Kyo-Young
    • International Commerce and Information Review
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    • v.5 no.2
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    • pp.71-87
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    • 2003
  • This paper deals with the following research topics on the basis of the service quality of Internet Banking. First, the components of the Internet Banking service will be described and the appropriate quality measures will be devised for the smooth Internet Banking. Second, the prerequisite variable such as the Internet Banking service quality, customer satisfactions and purchasing behavior are theoretically analysed. Third, it is discussed how the perceived quality of Internet Banking affects the purchasing activities of the customers. Finally, it will be discussed that these results are meaningful in establishing the marketing strategies of bank industry.

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Design and Fabrication of Filter Banks for Implementation of Cavity Tunable Filter (캐비티 가변필터의 구현을 위한 필터뱅크 설계 및 제작)

  • Shin, Yeonho;Kang, Sanggee
    • The Journal of the Institute of Internet, Broadcasting and Communication
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    • v.14 no.6
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    • pp.169-173
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    • 2014
  • In order to satisfy user's requirements of needs for various services and to efficiently use of frequency, a communication system using one platform can support many communication services. Tunable filters must be used in the front end of broadband communication systems which provide and support various communication methods. In this paper we design and implement a filter bank to verify the feasibility of cavity tunable filter with the operation frequency of 800 MHz ~ 1600 MHz. The filter bank is composed of five bandpass filters and each bandpass filter has the same operation frequency band of the tunable filter. The implemented filter bank has the maximum insertion loss of 0.326 dB, the bandwidth of 37 MHz ~ 84 MHz, and the attenuation of minimum 19.974dB and mximum 37.812dB at the band edge ${\pm}60MHz$ over the operating frequency band.

Lifestyle Segmentation: The Comparison of Islamic and Conventional Banking Customers in Indonesia

  • Sutarso, Yudi;Rustiana, Elly;Hanum, Rizky Amalia;Gunawan, Wibiksono K
    • Journal of Distribution Science
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    • v.10 no.8
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    • pp.25-34
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    • 2012
  • Understanding customer' lifestyles important for banks because it will guide in determining marketing policies, such as services, pricing, service delivery and promotion decisions. From the customer' lifestyle, banks will know what kind of customers' attitudes, interests and opinions, so they also will understand what the costumer' needs and what services needed by them. For Islamic banks, customers understanding are important because, nowadays, the competition of the banks is not only with other Islamic banks but also with the well-established conventional banks offering Islamic products or services The aims of this research paper are to describe what factors underline the customer's lifestyle of both Islamic and conventional bank, to segment the bank customers based on their lifestyles and investigate the profile of each segments, to compare the characteristics of the segments, and to identify marketing policies based on the characteristics. The population of the study is banking customers in Indonesia, in which the researchers have used judgment sampling as sample selection. There were 186 customers of Islamic banks and 244 customers of conventional bank as respondents in this study. Statistical methods employed were exploratory factor analysis and cluster analysis. The finding of the study shows that there are twelve factor underlining the customers' lifestyle, namely: factor of fashion conscious, internet usage, sports spectator, financial and technology optimism, price sensitivity, independent, compulsive housekeeper, new brand tryer community activities, opinion leader, credit usage, and homebody. In addition, for Islamic banking, there are two market segments, namely fashionable-independent and innovative-social segment. Based on the lifestyle characteristics, the first segment has higher level in factor of fashion conscious, homebody, independent, optimism and price conscious, which is therefore called fashionable-independent segment. On the other hand, the second cluster has higher level in factor of new brand tryer, community minded, sport spectator, credit user, internet usage, opinion leader, and compulsive housekeeper, which is therefore called the innovative-social segment. Furthermore, for conventional banking, there are also two segments, namely persuasive-optimistic and sensitive-independent segment. The first segment has higher level on some factors, namely: opinion leader, optimism, internet usage rate, credit usage level, sport spectator, and new brand tryer. On the other hand, the second cluster is characterized by higher level in factor of price conscious, confidence, community minded, homebody, fashion conscious, and compulsive housekeeper. Managerial implications for the management of Islamic banks could be identified in this study as follows. Firstly, the twelve lifestyle factors of this study could be an alternative view in observe Islamic banking customers. The domination of both the fashionable conscious and the internet usage factor show that the aspects are quite instrumental in perceiving the customer' lifestyles, in which reflects the importance of these two aspects to customers. Secondly, in serving their customers, Islamic banks need to understand the customer lifestyle, in which the lifestyle segments found in this study provide a guide of how their needs were reflected. Finally, by understanding the segments and the characteristics each segment of the conventional banks, Islamic banks could adjust their marketing strategies differently from the conventional banks.

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