• 한국정보시스템학회지:정보시스템연구
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• 제15권4호
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• pp.99-124
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• 2006

The development of IT has made it possible to use various terminal systems for financial transaction and demands for financial survices are getting more and more diversified at the same time. Among others, mobile banking service market based on IC chips has been expanded its service areas and the number of mobile banking users has been increased. The study analyzes and tests the dynamic effects of the inflow of potential customers on mobile banking market condition by using system dynamics methodology to identify the dynamic structure of mobile banking market. The simulation model is designed to track the variation in the number of subscribers of mobile banking servides according to two scenarios, and the results are as follows; First the effect of word of mouth by customers who have used the service already is significant. The satisfactory level of early adopters is reflected in WOM, and as a test result shows, increase in word-of-mouth causes the growth of potential customers' demands for mobile banking service. Second, perceived attractiveness of mobile banking service market is another important construct. Factors such as convenience, mobility, time saving, security, and various services explain the construct perceived attractiveness of the service, and it makes the potential customers adopt the service, causing the increase of demands.

• 경영과정보연구
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• 제38권1호
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• pp.103-120
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• 2019

최근 모바일뱅킹은 모바일을 포함한 정보기술 인프라를 통해 소비자의 수요에 맞춰 즉각적으로 고객이 원하는 개별 맞춤 서비스를 가능하게 함으로써 기존 오프라인 은행의 전략까지 변화시키는 혁신적인 서비스이다. 하지만 모바일뱅킹서비스는 기대와는 오프라인 뱅킹을 대체할 수 있을 수준으로 사용범위가 확대 되지는 못하고 있다. 이에 본 연구에서는 기존 오프라인 뱅킹과는 다른 혁신적인 모바일뱅킹 서비스를 대상으로 고객들이 어떠한 요인에 영향을 받아 모바일뱅킹 서비스를 활용하는 지를 파악하고자 한다. 구체적으로 모바일뱅킹 사용의도에 영향을 미치는 동인으로 개인 사용자 측면에서의 개인-혁신 적합성과 긍정적 심리자본을, 그리고 객관적인 정보기술 서비스 특성으로써 모바일뱅킹의 서비스품질 요인을 각각 영향요인으로 연구모형에 포함시켜 향후 모바일뱅킹 서비스 사용의도에 미치는 영향을 분석하고자 한다. 모바일뱅킹 사용자 195명의 데이터를 구조방정식 모형을 이용하여 실증적 분석을 한 결과, 사용자의 능력적합성 및 가치적합성, 그리고 긍정적 심리자본은 사용자의 향후 모바일뱅킹 사용의도 및 실제 사용성에 긍정적인 영향을 미침을 알 수 있었다. 또한 모바일뱅킹 목적(뱅킹업무와 온라인 주식거래)에 따라 긍정적 심리자본과 사용의도 간 관계가 달라질 수 있다는 조절효과 또한 확인할 수 있었다. 본 연구는 모바일뱅킹 서비스를 이용하는 고객의 사용능력과 모바일뱅킹을 통해 추구하는 가치와 목적을 반영한 뱅킹서비스 개발에 주력할 필요가 있음을 제안한다.

• 한국IT서비스학회지
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• 제14권2호
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• pp.1-14
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• 2015

As mobile distribution environment is changing rapidly and competition is more intensive in businesses today, technology based self service have been changed and developed. Among the change, financial institutes and consumers are interested in mobile banking services. This study attempted to investigate the impact of service convenience value on customer satisfaction and re-usage intention, and investigated the moderate effect of technology anxiety in the relationship between service convenience value and mobile banking service usage. For this study, data were gathered from respondents who have experience using mobile banking service and analyzed by structural equation model. A convenience value affected consumer satisfaction and re-usage intention toward mobile banking service. Also, this study found that the more technology anxiety, the less re-usage intention. The results show that management and investment to improve convenience value and to reduce technology anxiety make consumers' satisfaction and re-usage intention toward mobile banking service.

• Asia pacific journal of information systems
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• 제23권1호
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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.

• Journal of Information Technology Applications and Management
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• 제17권2호
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• pp.207-223
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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. Especially from current year when Carriers in domestic plans to provide the services using 2.5G networks the service providers choose wireless e-commerce as the main parts of wireless internet strategy and will provide a various of services. 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 Asian Finance, Economics and Business
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• 제8권11호
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• pp.157-167
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• 2021

The study analyzes the factors affecting the intention and recommendation to use the mobile banking applications of 314 customers from Vietnam. The study analyzes 7 factors affecting the intention and recommendation to use the mobile banking applications of customers from Vietnam, including (i) Perceived risk; (ii) Perceived ease of use; (iii) Perceived usefulness; (iv) Attitude; (v) Perceived trust; (vi) Social image; and (vii) Innovativeness. Besides, the study also analyzes 4 variables that reflect the customer's demographics, including gender, age, education, and occupation, and 6 variables describing the behavior of customers using mobile banking applications. The study findings indicate that the following factors (i) Innovativeness; (ii) Attitude; (iii) Perceived risk; (iv) Perceived ease of use, and (v) Perceived trust have the most significant impact on customers' behavior of using mobile banking applications in emerging markets such as Vietnam in the context of prolonged pandemic and continuous lockdown in many provinces and cities. The study is also of great value to studies on behavior changes among customers using mobile banking applications after the COVID-19 pandemic in Vietnam. The study will provide additional empirical evidence useful to bank administrators in motivating customers to use mobile banking applications, helping develop a digital economy in Vietnam.

• 지식경영연구
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• 제12권3호
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• pp.97-109
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• 2011

The purpose of this paper is to analyze what are the key determinants in selection of mobile banking technology platform, main challenges in a given developments of technology as well as rate the importance of factors in regards to various criterions. In addition, this paper proposes comprehensive approach for solving mobile banking technology platform selection problem. To serve the purpose, this paper uses the Analytic Hierarchy Process (AHP) to select best mobile banking technology platform for not only in functionality aspect, but also in organizational aspect. We expect that the results of this study will be useful for banks who have intention to select mobile banking technology platform in the future.

• 유통과학연구
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• 제20권8호
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• pp.69-79
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• 2022

Purpose: In the context of the emergence of industry 4.0, using mobile phones as a modern distribution channel to execute financial services is a significant solution for commercial banks' retail services and a gateway to promote financial inclusion and market development. Despite that service quality and customer satisfaction are two diverse notions and closely related to each other in the service sector, there is hardly a research which empirically examines the impacts of each dimensions of mobile banking service quality and customer satisfaction. Research design, data and methodology: This study first employs in-depth interview to explore various aspects of mobile banking service quality dimensions, including empathy, responsiveness, tangibility, assurance, and reliability that serves to develop measurement scales and hypothesis development. A quantitative survey is followed to collect data from 265 Vietnamese bank customers to empirically test the conceptual model. Resutls: Our findings indicate that more human-related factors including empathy, assurance, and responsiveness show the strongest impacts on customer satisfaction with mobile banking service while tangibility and reliability, as technical aspects, are less influential factors. Conclusions: Finally, some crucial implications are drawn for the banks to manage consumer behavior in mobile banking.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.217-227
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• 2022

The main purpose of this study is to analyze the adoption and use of mobile banking by university students and its potential determining factors. This study comprises 259 completed questionnaires answered through an online survey method. The respondents are Mongolian university students who have experience in using mobile banking applications. Young adults rely heavily on technology and are more likely to adopt mobile banking applications; however, there is limited research on the acceptance and use of mobile banking applications among this cohort, particularly from the perspective of Central Asian developing economies. Through using the SmartPLS 3.3 software, confirmatory factor analysis was conducted to evaluate the construct and structural equation modeling. The main results indicate that performance expectancy, effort expectancy, social influence, and facilitating conditions are the main constructs related to mobile banking technology acceptance; perceived security positively impacts perceived trust. Moreover, perceived trust is the construct of the use of mobile banking technology by the university students who responded to the questionnaire. However, the relationship between perceived risk and use behavior was not accepted.

• 한국정보시스템학회지:정보시스템연구
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• 제13권2호
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• pp.89-117
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• 2004

Mobile technologies and services have become one of the inevitable parts of people's lives and mobile businesses have also been widespread. Popular mobile internet services through cell phones have made people in the financial industry consider that 'mobile' is promising. Nevertheless, there have been little studies of mobile services in the financial industry and most of the studies have been concentrated on internet services. The main purpose of this study is to investigate on the determinants of intention to use mobile banking. To achieve the goal, based on the theoretical backgrounds of the Technology Acceptance Model(TAM). Survey questionnaires were distributed via post & email to 500 users who have been experiences with cell phone and have an account. Out of 291 responded questionnaires, 275 data sets were available for statistical analysis with SPSS 10.1. Research hypotheses are analyzed by LISREL 8.30. Factor analysis identified seven external factors : (1) convenience, (2) cost, (3) unusefulness, (4) riskiness, (5) personal innovativeness (6) users' self-efficacy (7) experience of mobile services. Results of this study show that convenience, unusefulness, riskiness, personal innovativeness and experience of mobile services have significant effects on intention to use mobile banking . Much of the previous researches have dealt with service provider only and have focused on mobile internet. In this regard, when it comes to a viewpoint that regards the mobile banking sector as a new sector of mobile businesses. This study may provide a guideline to activate of mobile banking acceptance.