• 동아시아경상학회지
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• 제5권1호
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• pp.27-32
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• 2017

The main objective of this study is to find the Interrelationship between Service Quality, Electronic Banking and Customer Satisfaction in Commercial Banks in Uganda. A review of literature was conducted to find out the relationship among Service Quality, Electronic Banking and Customer Satisfaction. The literature review confirms this relationship. A survey was conducted to collect data. The sample size of 210 commercial banking customers was drawn from different banks in Uganda. The result shows, the Electronic banking adoption was found to have a positive relationship with Service Quality, Service Quality was found to have a positive relationship with Customer satisfaction; and Electronic banking adoption had a positive relationship with Customer satisfaction. In light of the findings various recommendations were put across on how retail banks can better satisfy their customers through the use of electronic banking channels. Electronic banking adoption will then foster Service Quality where a customer's service expectations are exceeded by the actual service She/he obtains. This will then bring about Customer satisfaction where the customers find that their needs are met by the 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.

• 동아시아경상학회지
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• 제3권2호
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• pp.13-20
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• 2015

Online or e-banking has been adopted as key banking innovation in Uganda adopted by all financial institutions in the country. This research explored the state of e-banking and its efficacy in Uganda banking industry. A correlation analysis approach was adopted for this research. In Uganda, the banking sector has been liberalized with telecommunications allowed to effect e-banking and ecommerce transactions. The study concentrated on the periods of years 2011/2012 and 2012/2013. Findings from this research revealed that BOU uses UNISS for real time gross settlement (RTGS). Since its adoption a +1 coefficient correlation was realized. With the use of mobile money, also a +1 coefficient correlation was achieved for the period under consideration. As regards the use of e-cheques, there was a drop reflected by -2.8 percent which could have been attributed to perception of the users, though there was a +1 coefficient correlation when considering e-cheque transactions and the monetary value. The use of EFT in Uganda generated a +1 coefficient correction considering the number of users and the monetary value involved. Bank of Uganda should work hard and make or go live with electronic banking supervision software which would aid them with their supervisory roles.

• 한국데이타베이스학회:학술대회논문집
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• 한국데이타베이스학회 2010년도 춘계국제학술대회
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• pp.249-264
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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. 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.

• Asia pacific journal of information systems
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• 제11권4호
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• pp.43-62
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• 2001

Recently, as information and communication technology is swiftly developed, consumers feel more convenient in making use of as well as access to the banking service. This change must affect consumer's benefit, however, there are rare previous studies and methods for measuring it. Thus, we utilize hedonic price technique to estimate consumer's benefit of electronic banking information. The results indicate that the price elasticity of consumer's communication service expenditure regarding the use of electronic banking information is about 0.057%. That is, users have willingness to pay 57 Won more than current communication fee for acquiring the additional electronic banking information.

• 디지털융복합연구
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• 제13권4호
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• pp.175-189
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• 2015

최근 핀테크(금융(financial)과 기술(technique)의 합성어)등에 대한 이슈가 등장함에 따라 전자금융이 시장에서 많은 주목을 받고 있다. 본 연구의 목적은 2000년부터 2014년 동안 총 15년간 국내 전자금융 연구에 대한 동향을 파악하는 것이다. 본 연구는 전자금융에 대한 연구 논문 184편을 메타분석을 통해. 분석되었다. 연구 결과는 2008년에 28편으로 가장 많은 연구가 이루어졌고, 발표 부수로는 정보보호학회에서 35편으로 가장 많이 발간했다. 사회적 이슈가 등장하면 이와 관련된 연구가 증가하며 전자금융의 경우 연구가 많이 되는 순서는 서비스, 기술과 인프라, 법과 제도 순이다. 또한 전자금융 영역에 연구가 미흡한 부분은 결제수단발행 전자고지, 에스크로 분야이다. 전자지급결제 부분은 기술과 인프라 부분에 가장 많은 연구가 이루어졌다. 본 연구는 전자금융관련 정책 및 기술연구에 도움이 될 뿐만 아니라 관련 분야의 전체적인 연구를 이해하는데 기여할 것이라 기대된다.

• 벤처창업연구
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• 제6권2호
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• pp.25-50
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• 2011

컴퓨터와 정보통신기술의 발달로 더욱 치열해지는 경쟁환경속에서 은행들에 의한 IT기술의 사용은 수익성을 위해 그리고 궁극적으로는 은행의 생존에 필수적인 것으로 당연시하게 되었다. 따라서 은행산업은 기존에 이미 사용하고 있던 ATM과 같은 채널을 보완하기 위하여 폰뱅킹, 인터넷뱅킹 등과 같은 IT기반 상품이나 서비스로 보충되어 가고 있다. 이에 본 연구는 PC, 텔레폰, 인터넷 등의 전자적 수단에 의한 서비스 전달채널과 같은 전자금융의 도입이 은행의 경영성과인 효율성과 수익성에는 어떠한 영향을 주고 이들 성과에 영향을 주는 요인들이 무엇인가를 살펴보았다. 그 결과 유형별 전자금융채널의 수익성 관련에서는 ATM만이 수익성에 정의 유의적 영향을 미치는 것으로 나타났고, 기술효율성도 수익성에 정의 영향을 미치는 것으로 나타났다. 그러나 나머지 유형의 전자금융채널은 유의적 영향을 주지 못하거나 긍정적인 영향을 주지 못하는 것으로 분석되었다.

• 융합보안논문지
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• 제20권2호
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• pp.37-52
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• 2020

최근 우리나라를 비롯한 EU, 영국 등은 금융구조 개혁 및 금융소비자의 편의성 제고를 위하여 금융회사가 보유하고 있는 금융정보를 핀테크기업에게 개방하는 오픈뱅킹을 적극 추진하고 있다. 향후 오픈뱅킹이 점차 활성화될수록 오픈뱅킹 제공기관의 안정성 확보 및 이용자 보호의 중요성은 더욱 커질 것이다. 특히 우리나라는 전자금융거래의 안정성과 신뢰성 확보를 위하여 2007년부터 시행해 온 전자금융거래법이 있지만, 오픈뱅킹 제공기관에게 적용하기 어려운 한계가 있어 오픈뱅킹에 대한 보안사고 예방 및 이용자 보호가 취약해질 위험성이 있다. 따라서 본 논문에서는 오픈뱅킹에 관한 외국의 규제를 살펴보고, 국내 오픈뱅킹의 안정성 강화 및 이용자 보호를 위한 규제 개선 방안을 제시해 본다.

• 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.

• 정보학연구
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• 제2권2호
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• pp.107-125
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• 1999

‘90년대 중반이후 급속히 성장한 전자금융은 금융자동화기기의 대중화와 더불어 홈뱅킹, 텔레뱅킹 등 공중통신망을 통한 거래, 인터넷을 통한 자금결제 등 다양한 지불수단을 제공하고 있다. 이러한 금융결제환경에서 소비자는 자금관리의 유동성을 확보하였으며 보다 편리하고 다양한 금융서비스를 제공하는 금융기관을 선호할 것으로 예견되며 은행은 고객편의성에 입각한 지불결제시스템의 제공과 이를 통한 새로운 경영수익 확대방안을 마련하여야 할 것이다. 또한 통화관리당국은 전자금융시스템의 안정적 기술기반의 제공과 더불어 지불수단별 전자금융의 추세를 분석하고 예측함으로써 금융시장의 교란요인을 최소화할 수 있는 방안을 마련하여야 할 것이다.