• Proceedings of the Korea Information Processing Society Conference
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• 2012.11a
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• pp.1045-1048
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• 2012

스마트 뱅킹을 사용하는 인구가 늘어나고 있으며 보안상의 위협이 대두되고 있다. 스마트 뱅킹의 경우 작은 보안상의 위험이 큰 금전적인 피해를 줄 수 있기 때문에 강력한 보안이 요구된다. 본 논문에서는 2-Factor 인증과 클라우드에 저장된 인증서를 통해서 스마트 뱅킹 서비스를 안전하게 사용하는 방법을 제안하였다. 인증서 중복저장에 의한 문제점을 해결하고자 인증서를 클라우드 서비스를 통해 제공하고, 저장된 인증서의 제3자에 의한 접근을 막기 위해 2-Factor 인증 기법으로 사용자를 인증한다.

• The Journal of the Korea Contents Association
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• v.12 no.11
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• pp.303-312
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• 2012

In this paper we investigate the factors influencing the intention to use of smart-phone mobile banking service in China. We include the characteristics of smart-phone, mobile banking service, and users to the research model and also consider user satisfaction as an intervening variable. We try to find and prove the factors influencing the intention to use of smart-phone mobile banking service by surveying 206 chinese users and using structural equation model. This empirical paper proves that mobility, instance connectivity, use convenience, and intimacy give positive effects to intention to use of smart-phone mobile banking service. In addition, this paper indicates some managerial implications that mobility, access speed and the easy user interface can help to increase the degree of user acceptance.

• Informatization Policy
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• v.21 no.3
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• pp.102-127
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• 2014

Although mobile banking provides cost-saving opportunities as well as convenient banking experience for customers, today's banks still face challenges when deploying the technology because a good number of customers are reluctant to use mobile banking for personal reasons. This paper is an empirical investigation of the determinants of the intention to use smartphone-based mobile banking services. The determinants are grouped into two categories including personal factors and social influence factors. We conducted an empirical analysis using 751 survey responses collected from present users of mobile banking services. The results of the analysis reveal that all the personal factors have positive relationships with the intention to use mobile banking services. On the other hand, it was found that of the social influence factors, perceived herding behavior has significantly positive relationship with the intention to use smartphone-based services, whereas subjective norm is not significantly related to the intention. We provide practical as well as academic implications of the research findings.

• Informatization Policy
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• v.24 no.2
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• pp.20-42
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• 2017

In this paper, we focus on classification of security threats and definitions of security requirements for Internet banking service. Threats are classified based on the past and potential incidents, based upon which we will be able to propose security requirements. In order to identify security threats, the structure of the Internet banking service is classified into three sections - the financial institutions, the network, and the user-terminal - and we defined arising threats for each section. We focused the analysis especially on the user-terminal section, which is relatively vulnerable, causing difficulties in securing stability of the service as a whole. The analyzed security threats are expected to serve the foundation for safe configuration of various Internet banking services.

• Journal of Internet Computing and Services
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• v.18 no.2
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• pp.31-42
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• 2017

As Internet banking service became popular, many users can exchange goods by online. Even though this advantage, there are incident cases in the Internet banking service due to security threats. In order to counteract this problem, various security techniques have been applied over whole area in the Internet banking service. Therefore, we described that analyzed results of security techniques applied in the financial institutions area and network communication area in this paper. We consider that this paper will be useful as a reference to protect security threats occurred by insiders and vulnerabilities in implementation.

• Review of KIISC
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• v.25 no.6
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• pp.18-27
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• 2015

인터넷 뱅킹 서비스 규모가 증가하면서 외부에서의 위협으로부터 안전성을 확보하기 위하여 보안기술을 도입하였다. 하지만, 악의적인 공격자에 의한 사고사례가 지속적으로 발생하고 있으며, 그 원인을 분석하기 위한 자료가 필요한 실정이다. 추가적으로 보안기술과 더불어 사고를 방지하기 위하여 국내/외에서 관련 법률을 제정하였으며, 이 또한 사고를 방지하기 위한 자료로 활용이 가능하다. 따라서 본 논문에서는 인터넷 뱅킹 서비스에서 발생하는 사고사례의 원인을 분석하기 위하여 현재까지 발생한 사고사례에 대한 조사 결과를 서술하며, 사고를 방지하기 위한 지표의 일환으로 국내/외에서 제정된 관련 법률에 대한 조사 결과를 서술한다.

• Review of KIISC
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• v.23 no.1
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• pp.54-60
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• 2013

최근 스마트폰 이용자의 급증에 따라 고객의 편의성을 고려한 스마트폰 전자금융서비스가 다량 출시되고 해마다 그 이용자수가 급증하고 있다. 한편, 스마트폰에서의 보안위협이 언론에 대두되면서 금융당국은 2010년부터 꾸준히 스마트폰 전자금융서비스를 보호하기위한 대책마련을 추진하고 있는 실정이다. 본 논문은 최근 스마트폰 뱅킹 서비스 보안에서 이슈가 되고 있는 뱅킹 앱 위 변조 위협요소를 정리하고 이에 대응할 수 있는 보안기술 동향에 대해 살펴보고자 한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2010.11a
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• pp.1225-1228
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• 2010

최근 인터넷 뱅킹이 주요 국가들의 은행 거래 서비스에서 많은 비중을 차지하고 있다. 보안이 중요한 인터넷 뱅킹 분야에서 국내와 해외의 보안 방식을 비교하여 도출된 시사점을 적용한다면 더 안전한 시스템 설계에 바탕이 될 것이다. 따라서 본 논문에서는 국내와 해외의 인터넷 뱅킹 보안의 특징과 그 진행 과정을 살펴보았다. SSL/TLS(Secure Socket Layer/Transport Layer Security) 기술을 사용하는 외국 인터넷 뱅킹에 비해 공인인증서 체계를 채택한 국내 인터넷 뱅킹은 웹 브라우저에서 지원하지 않는 암호 알고리즘을 사용하기 위한 플러그인을 설치함으로써 사용자가 불편을 느끼며, 또한 이런 플러그인 때문에 인터넷 뱅킹을 이용할 수 있는 웹 브라우저의 종류가 제한된다. 마지막으로 이러한 플러그인을 은행 별로 서비스하기 위한 별도의 비용이 추가된다. 이런 문제점들을 해결하여 더 나은 인터넷 뱅킹 시스템을 구축하기 위해서는 면밀한 검증과 제도적 지원이 필요하다.

• Journal of Korea Society of Industrial Information Systems
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• v.22 no.1
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• pp.11-21
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• 2017

Internet Banking Offers Major Advantages for Both Banks and Customers. However, Not All People have equal Access or Skills to use such Services. The Main Objective of this Study is to Understand the Fctors Influencing Internet Banking Usage we Developed a Research Model Drawing from the UTAUT and Digital Divide Research. The Model was Tested and find more than 90% of Variance of Internet Banking Usage was Explained by the Model. Results Demonstrate that the Strongest Factor Influencing the Intention to adopt Internet Banking Services is the Degree to which an Individual Believes that it is Safe to use such Services. In the Paper, all the Hypotheses Except for the Hypothesis on the Effort Expectation are Accepted with Statistical Significance.

• 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.