• Journal of Internet Computing and Services
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• v.14 no.5
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• pp.87-99
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• 2013

As Internet advances, websites with simpel HTML pages are changing to complex web application systems with enormous contents and various services. With this trend, it is noted that situations where Web accessibility of the old and the handicapped is inhibited are growing. To solve this problem, The Disability Discrimination Act has been enacted since April 2013. This act triggers massive website reorganization efforts. However, in order for the huge and sophisticated web applications and web sites to ensure a web accessibility, a framework is required to throughout the web site development. Based on thorough review of website development methodologies, web accessibility compliance standards, and various web accessibility issues related to website characteristics, this study proposes a practice oriented "Web Accessibility Compliance Framework". The current study also examines the usefulness and value of this framework by applying it to the internet banking development project of W bank and receiving a certificate for high quality website complying web accessibility standards.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.9
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• pp.12-20
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• 2016

With the enhancements in existing major industries, cloud computing-based converging services have been created, as well as value-added industries. A variety of converging services are now provided, from personalized services up to industrial services. In Korea, they have become the driving force behind existing industries throughout the whole economy, but mainly in finance, mobile systems, social computing, and home services, based on cloud services. However, not only denial of service (DOS) and distributed DOS (DDOS) attacks have occurred, but also attack techniques targeting core data in storage servers. Even security threats that are hardly detected, such as multiple attacks on a certain target, APT, and backdoor penetration have also occurred. To supplement defenses against these, in this article, a protocol for authority management is designed to provide users with safe storage services. This protocol was studied in cases of integration between a cloud environment and big data-based technology, security threats, and their requirements. Also studied were amalgamation examples and their requirements in technology-based cloud environments and big data. With the protocol suggested, based on this, security was analyzed for attack techniques that occur in the existing cloud environment, as well as big data-based techniques, in order to find improvements in session key development of approximately 55%.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.207-224
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• 2018

In this article, an empirical study was conducted by using public dataset from Lending Club Corporation, the largest online peer-to-peer (P2P) lending in the world. We explore significant predictor variables related to P2P lending default that housing situation, length of employment, average current balance, debt-to-income ratio, loan amount, loan purpose, interest rate, public records, number of finance trades, total credit/credit limit, number of delinquent accounts, number of mortgage accounts, and number of bank card accounts are significant factors to loan funded successful on Lending Club platform. We developed online P2P lending default prediction models using discriminant analysis, logistic regression, neural networks, and decision trees (i.e., CART and C5.0) in order to predict P2P loan default. To verify the feasibility and effectiveness of P2P lending default prediction models, borrower loan data and credit data used in this study. Empirical results indicated that neural networks outperforms other classifiers such as discriminant analysis, logistic regression, CART, and C5.0. Neural networks always outperforms other classifiers in P2P loan default prediction.

• Management & Information Systems Review
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• v.36 no.3
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• pp.167-184
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• 2017

In this study, we investigated the effect of offline banking trust on smart banking trust. As influencing factors of smart banking trust, this study compared offline banking trust, smart banking's system quality, and information quality. For the empirical study, 186 questionnaire data were collected from smart banking users and the data were analyzed using Smart-PLS 2.0. As results, it was verified that there is trust transfer in FinTech service, by the significant effect of offline banking trust on smart banking trust. And it was proved that the effect of offline banking trust on smart banking trust is lower than that of smart banking itself. The contribution of this study can be seen in both academic and industrial aspects. First, it is the contribution of the academic aspect. Previous studies on banking were focused on either offline banking or smart banking. But this study, focus on the relationship between offline banking and online banking, proved that offline banking trust affects smart banking trust. Next, it is the industrial contribution. This study showed that offline banking characteristics of traditional commercial banks affect the trust of emerging smart banking service. This means that the emerging FinTech companies are not advantageous in the competition of trust building compared to traditional commercial banks. Unlike traditional commercial banks, the emerging FinTech is innovating the convenience of customers by arming them with new technologies such as mobile Internet, social network, cloud technology, and big data. However, these FinTech strengths alone can not guarantee sufficient trust needed for financial transactions, because banking customers do not change a habit or an inertia that they already have during using traditional banks. Therefore, emerging FinTech companies should strive to create destructive value that reflects the connection with various Internet services and the strength of online interaction such as social services, which have an advantage over customer contacts. And emerging FinTech companies should strive to build service trust, focused on young people with low resistance to new services.