• Proceedings of the Korea Society for Industrial Systems Conference
• /
• 2008.10b
• /
• pp.91-95
• /
• 2008

본 연구의 목적은 신규 금융보안서비스(OTP, HSM)의 채택에 있어 개인사용자에게 영향을 미치는 요인을 도출하고자 함에 있다. 연구방법으로는 기술수용모형(TAM)을 기반으로 새롭게 보안에 관한 변수를 추가하여 확장된 기술수용모형을 사용하였다. 현재 등급별 이체한도에 따라 기업의 거래이용수단에 적용되는 제약은 향후 개인사용자에게의 확대될 예정이다. 따라서 본 연구는 개인사용자를 대상으로 하여 실증적인 연구를 실시하였다. 분석 결과, 신규 금융보안서비스의 채택에 있어서 개인사용자는 인지된 편의성과 보안성을 직접적으로 수용의도에 반영하지는 않지만 인지된 유용성을 통해 간접적으로 반영하고 있으며 직접적으로 수용의도에 영향을 미치는 요인으로는 인지된 유용성만이 유일한 것을 밝혀내었다. 따라서 본 논문은 금융보안서비스가 개인에게 확장될 경우 가장 중요한 요인이 인지된 유용성이라는 사실과 인지된 유용성은 보안성보다는 사용자의 용이성에 더 많은 영향을 받음을 확인함으로써 향후 실사용자가 될 대상에게 더 유용하고 용이한 금융보안서비스를 제공해야 함을 시사하는 바이다.

• Journal of the Korea Convergence Society
• /
• v.9 no.9
• /
• pp.69-81
• /
• 2018

The ultimate intention of this research is to identify the factors that have a significant effect on the perceived importance of information security as the antecedent of intention to information security policy compliance. We found that the effectiveness of information security training program did not have statistically significant effect on the perceived cost of policy compliance. Second, the effectiveness of information security policy has significant influence on the perceived cost of policy compliance. Third, perceived vulnerability has a significant effect on the perceived cost of policy compliance. Fourth, perceived cost of policy compliance has a significant effect on perceived importance of information security. Fifth, supervisor's attitude toward information security silence has a significant effect on employee silent behavior towards information security. Sixth, communication opportunities towards information security has a significant influence on employee silent behavior towards information security. Finally, it was shown that employee silent behavior towards information security had a significant influence on the perceived importance of information security.

• Journal of the Korea Society of Computer and Information
• /
• v.15 no.12
• /
• pp.163-173
• /
• 2010

PKI(Public Key Infrastructure)-based information certification technology has some limitations to be universally applied to mobile banking services, using smart phones, since PKI is dependent on the specific kind of web browser, Internet Explorer. OTP(One Time Password) is considered to be a substitute or complementary service of PKI, but it still shows low acceptance rate. Therefore, in this research, we analyze why OTP has not been very popular, and provide useful implications of making OTP more extensively and frequently used in the mobile environment. Perceived security of OTP was set as a higher-order construct of integrity, confidentiality, authentication, and non-repudiation. Research findings show that security awareness and perceived security of OTP is positively associated, and the relationship between perceived security and trust on OTP is statistically significant. Also, trust is positively related to intention to use OTP continuously.

• Journal of the Korea Convergence Society
• /
• v.13 no.1
• /
• pp.283-295
• /
• 2022

This study attempts to explore factors that influence the perception of importance of information security. Three possible exogenous variables including perceived certainty of punishment, perceived response cost, and acquiescense are suggested that are based on the protectiom motivation theory. As a result, we found followings. First, The perceived punishment certainty has a significant effect on the perceived importance of information security. Also, it influences a negative effect on acquiescence. Second, the response cost has a negative effect on the perceived importance of information security. In addition, the response cost positively effects on acquiescence. Finally, acquiescence negatively influences on the perceived importance of information security. The results show that, in order to increase the perceived importance of information security among employees, it is necessary to make them aware that a security violation can result in certain punishment. At the same time, organizations should also attempt to remove major obstacles accompanying security behaviors of employees. Finally, organizations encourage open communication relating to information security among employees.

• The Journal of the Korea Contents Association
• /
• v.19 no.5
• /
• pp.194-204
• /
• 2019

The mobile payment app market has been expanding recently. However, the usage rate of mobile payment apps is not meeting service providers' expectations due to concerns about security and privacy. This study investigated how personal predisposition and how the security signals of the payment app affect users' perceived privacy and security risks, and how these factors ultimately affect the trust of mobile payment apps. The results showed that privacy concerns increase the risk of perceived personal information leaks and reduce perceived mobile system security, while familiarity, perceived reputation, and assurance seal reduce the risk of perceived personal information leaks and increase perceived mobile system security. Finally, it revealed that the reduced risk of perceived personal information leaks and the increased security of mobile systems had a positive impact on the reliability of mobile payment apps.

• The Journal of Society for e-Business Studies
• /
• v.11 no.1
• /
• pp.25-52
• /
• 2006

This study focuses on customer perception of security control under Internet banking environment Internet banking customers' understanding of security control is insufficient. They are not fully aware of security technologies for Internet banking. Moreover, they cannot know which control is implemented and maintained on an Internet banking site when visiting the site. This study, therefore, attempts to find the impact of customer perception of security control on Internet banking acceptance. The research model is based on the TAM (Technology Acceptance Model), and introduces trust as an additional belief. Trust has been investigated in the marketing area, and begins to be focused in e-business area. A Web survey of Internet banking users collected 845 cases. Statistical analyses, using SEM (Structural Equation Modeling), partially supported the hypotheses that perceived strength of security control has an impact on three beliefs: trust, perceived usefulness, and perceived ease of use. We also verified the impact of these beliefs on attitude toward using, on behavioral intention to use, and on actual use. It is, therefore, verified that perceived strength of security control is a determinant of Internet banking acceptance.

• The Journal of Society for e-Business Studies
• /
• v.16 no.3
• /
• pp.1-22
• /
• 2011

The purpose of this study is to verify the relationship between expectancy confirmation and continuance usage intention in biometric technology. We extend the continuance usage intention model, TAM and expectation confirmation theory by adding perceived privacy, perceived security and trust. Results was analyzed by using structural equations model. The results show that satisfaction and perceived usefulness have positive effect on continuance usage intention in the bright scenario. Perceived privacy and perceived security are positive factors on perceived usefulness, and perceived privacy is positive effect on perceived security. On the other hand, the respondents who are exposed to the dark scenario have negative effects on the perceived privacy, perceived security and trust. And finally, trust has no significant effect on the perceived usefulness.

• Journal of the Korea Society of Computer and Information
• /
• v.17 no.8
• /
• pp.145-161
• /
• 2012

This study aims to explore how the degree of education related to information systems and the Internet literacy affect perceived security risk and how these three variables affect online transaction intention based on the Technology Acceptance Model (TAM). Since using smartphone to purchase necessary products is increasing, the study provided two different cases of using the existing Internet and smartphone to buy products. As a result of an empirical test, the degree of information system education, internet literacy, and perceived security risk had significant effects on online transaction intention mediating perceived usefulness and perceived ease of use. Unlike the expectation, the more people have education related to information systems, the more they have knowledge about hacking or cases of privacy infringement, leading to even more concerns about security, thereby believing the Internet transactions require much effort. The more the education about information system, the more we have concerns about security; therefore, perceived security risk have a positive(+) effect on perceived usefulness not a negative(-) effect. Lastly, while the degree of education related to information systems has relations with the recognition of the usefulness of the Internet transaction, the study showed that there are no relations of recognizing the usefulness and the ease of use of smartphone.

• Information Systems Review
• /
• v.17 no.3
• /
• pp.39-64
• /
• 2015

As information and information technology become more important in competitive corporate environments, the risk of information security breaches has increased accordingly. Although organizations establish security measures to manage information security risks, members of organizations do not comply with them well, and their information security behavior intention is unclear. Therefore, to understand the information security risk management intention of the members of organizations, the present study developed a research model using Protection Motivation Theory, Supervisory Authority Pressure, and Background factors. This study presents empirical research findings based on the analysis of survey data from 201 members of financial institutions. Perceived Severity, Self-efficacy, and Supervisory Authority Pressure had a positive effect on intention; however, Perceived Vulnerability and Response Efficacy did not affect intention. Security Avoidance Habit, which was considered a background factor, had a negative effect on all parameters, and did not have an effect on intention. Security Awareness Training, another background factor, had a positive effect on information security risk management intention and perceived vulnerability, self-efficacy, response efficacy, and supervisory authority pressure, and had no effect on perceived severity. This study used supervisory authority pressure and background factors in the field of information security, and provided a basis to use supervisory authority pressure in future studies on behavior of organizations and members of an organization. In addition, the use of various background factors presented the groundwork for the expansion of protection motivation theory. Furthermore, practitioners can use the study findings as a foundation for organization's security activities, and to improve regulations.

• The Journal of Society for e-Business Studies
• /
• v.15 no.4
• /
• pp.143-163
• /
• 2010

The purpose of this study is to investigate the user's perception of security risk and examine its impact on the usage of Knowledge Management Systems(KMS). The findings of this study are three-fold. First, the overall user's perception of security risk is not high. However, there is a considerably big difference in the perception of security risk among users. This finding means that user's perception of a security risk is not based on the actual security effects but one's individual perception. Another finding is that user's perception of a security risk has a negative impact on the usage of KMS through "trust", which is a mediating variable in our study. This finding corresponds with the existing theory that security risk is oneof the critical sources of trust, and trust is a critical factor of user's acceptance of KMS. Finally, the result of this study reveals that activities devoted to security do not decrease the effectiveness and productivity of KMS. Our long-held cognition that security activity hinders the effectiveness and productivity of an information system is not particularly applied to the KMS.