• 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.

• Asia pacific journal of information systems
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• 제31권2호
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• pp.141-184
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• 2021

While a great body of information systems (IS) literature has discussed mobile banking (m-banking) services, most of these studies have focused on the adoption or acceptance phases of this technology; with little attention was given to users' intension to continue using such technology. This paper aims at investigating the most important factors that predict users' continuous intension to use m-banking services in the post-adoption phase. This paper presents a conceptualization and validation of an extended expectation-confirmation model (ECM). A total of 303 Kuwaiti users of m-banking services participated in this study. Partial least squares (PLS) of structure equation modelling (SEM) technique was used to analyze the data. The results mainly showed that users' continuous intension to use m-banking services is significantly influenced by perceived trust, satisfaction, self-efficacy, performance expectancy and effort expectancy. Theoretical and practical contributions as well as the research limitations and future directions are discussed.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제10권2호
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• pp.684-702
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• 2016

The changes new technologies have brought to banking over the past decade are enormous in their impact on the ways of doing business and providing customer services, most notably in the areas of customer service channels. Banks have been trying to move away from the traditional, branch-based and costly staff-assisted channels toward self-assisted channels, i.e. internet banking and mobile banking, to drive down costs and improve customer loyalty. How internet and mobile have reshaped the user experience of banking service channel? To provide valuable insights for this question, this research investigates and compares customer's channel choice behavior and profit changes from bank's branch closure. Applying the propensity scoring matching method, the results of analysis demonstrates that the mobile channel can be a realistic alternative to conventional branches. Also, the reserch result shows banks can reduce conventional branches while experiencing a positive implications on their profits from the customers. Another significant implication from the research is, to accelerate the shift to digital channels, banks need to put more efforts on developing functions in the mobile channel that will allow friendly interaction with customers and consultation, such as video consultation, interactive chat, and location-based product recommendation.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.353-361
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• 2021

The aim of this research is to understand and analyze the ways in which the current digital financial technology is impacting on the financial payment system provided by most of the commercial banks in Indonesia. This research analyzes the variables such as perceived ease-of-use, perceived usefulness, and perceived value on customer's intention to use in relation to the variable of trust as the intervening variable. The data collection is done through distribution of questionnaire; the population of this research consisted of the commercial banking customers located in Jakarta, Indonesia. The sample determination is done through Purposive Sampling and the analysis technique is using Partial Least Square (PLS). The results show that perceived ease-of-use, perceived usefulness, and perceived value have positive and significant effect on intention to use the mobile banking system; perceived usefulness of the application has the most significant influence on intention to use compare to the perceived of ease-of-use and perceived value of the mobile banking system. The results also indicate that, even though the mobile banking system has offered several benefits to the customer, yet it was not actively used by the banking customer compared to other commercial bank's mobile banking system in Indonesia.

• Asia pacific journal of information systems
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• 제16권2호
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• pp.159-181
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• 2006

The purpose of this research is to identify the factors affecting user acceptance of mobile banking. To test the hypotheses, this research incorporates trust to extend the model. This study investigates the causal relationship among four factors; perceived ease of use, perceived usefulness, trust, and intention to use in mobile banking. This study also identifies the elements by which these factors are influenced. The result finds that facilitation condition and self-efficacy are significant elements affecting perceived ease of use. System quality, perceived ease of use and trust are significant elements affecting perceived usefulness, However, social influence is found to be not significant. System quality and perceived ease of use are significant elements affecting trust. Conclusively, perceived ease of use, perceived usefulness and trust are significant factors affecting the user acceptance in Mobile banking.

• 통상정보연구
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• 제16권4호
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• pp.35-54
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• 2014

스마트폰 이용자가 지속적으로 늘어나며 스마트폰 기반 모바일뱅킹 이용고객 또한 늘어나고 있다. 본 연구에서는 스마트폰 기반 모바일뱅킹 고객의 행동을 분석하고자 한다. 이를 위하여 이론적 연구모형을 제시하였으며, 실증분석을 위하여 10대에서 50대의 400명을 대상으로 설문조사를 실시하여 그 유의성을 검증하였다. 그 결과, 사회적 영향은 스마트폰 기반 모바일뱅킹의 편리성과 지각된 위험 그리고 지각된 보안에 영향을 미치고 있었으며, 편익의 요소 중 즉시성이 신뢰에 영향을 미치고 있었다. 또한, 지각된 위험이 높을수록 사용자의 저항이 더욱 크게 영향을 받았으며, 스마트폰 기반 모바일뱅킹의 사용의도는 신뢰와 저항 수준에 따라 영향을 받고 있었는데, 구체적으로는 저항을 낮출 때 보다 신뢰를 높일 때 더 높아지는 것으로 나타났다.

• 한국전자거래학회지
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• 제10권3호
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• pp.135-157
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• 2005

기술수용모델과 계획행동이론 관련 연구들을 기반으로 본 연구에서는 기술수용모델의 구조를 유지하면서 한 가지의 신뢰 관련 요인(인지된 신뢰성)과 두 가지의 인지된 행위 통제 요인(인지된 유효성과 인지된 비용),그리고 국내의 특성을 고려한 기술적 적합성 항목을 모델에 추가하여 모바일 뱅킹 분야에 적합하게 기술수용모델의 적응성을 확장하였다. 국내에서 182개의 데이터를 수집하여, 구조방정식 모델 기법을 이용, 확장된 기술수용모델을 검증하였다. 본 연구의 결과는 모바일 뱅킹 채택에 대한 사용자 의도를 예측하는데 있어서 본 연구에서 사용된 확장된 기술수용모델을 지지하고 있다. 또한 정보기술/시스템 수용과 모바일 뱅킹 시스템 운영의 실제적인 시사점들이 논의되어졌다.

• The Journal of Asian Finance, Economics and Business
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• 제9권5호
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• pp.75-86
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• 2022

The service industry has been acknowledged as a critical part of mobile banking services in recent years. This study examines the impact of e-service quality and loyalty on the intention to use and use behavior of mobile banking services in Mongolia, a Central Asian country. As a result, based on past research, a conceptual model was suggested. This study comprises 209 completed questionnaires from young Mongolians who own a bank account and a smartphone. The data was collected based on convenience sampling, and it was analyzed with SmartPLS software using a partial least squares-structural equation modeling (PLS-SEM) technique. The findings indicate that system quality, interface design, and security assurance have a significant positive impact on service quality; service quality has a positive impact on loyalty. Moreover, the results reveal that service quality and loyalty have a significant influence on the intention to use mobile banking services. The findings of this study suggest that local or international banks and financial institutions in Mongolia should consider system quality, interface design, and security concerns as key successors to building perceived security quality to retain current mobile banking users and attract new customers.

• 대한전기학회:학술대회논문집
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• 대한전기학회 2003년도 학술회의 논문집 정보 및 제어부문 A
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• pp.143-146
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• 2003

In mobile Internet banking service through wireless local area network, security is a most important factor to consider. We describe the development of mobile banking service using Personal Digatal Assistant (PDA). In order to increase the strength of encryption, we adopted hybrid approach where both of the public key algorithm and the secret key algorithm are used during the transaction among PDA, banking server and authentication server.