• Journal of the Korea Academia-Industrial cooperation Society
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• v.12 no.12
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• pp.5601-5613
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• 2011

The purpose of this paper is to better understand the socio-economic differentials of Internet access and use. Data from '2008 Korean Internet usage behavior' were used to conduct logistic regression analysis. The findings show that there are significant socio-economic(age, gender, educational attainment, employment situation, and Internet access type) disparity in Internet access(Internet access at home, broadband Internet access). Also socio-economic variables enter in as statistically significant in most specifications for Internet use intensity (Intensive internet use, frequent internet use, less frequent internet use). The gender, household income and education attainment explanations for large differential in Internet use intensity are generally very similar. It is shown that age, education attainment and household income level cause a large digital divide on Internet service use(information use, communication and community use, e-commerce use, Internet banking use).

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.14 no.6
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• pp.267-272
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• 2014

Customers who register at mobile banking service through startphone has 40Mil in first quarter of 2014, which was increased 8.5%(3.6Mil) compare to figure from end of year 2013. Average 1 trillion 627.6billion won is dealing through smartphone banking in daily and three for increased psychological bullying caused by malignant code which change normality to malignant. The results of the analysis current state of affairs of personal information collection management authority required in finance smartphone app service and also recommend solution for protecting finance consumers plans to minimized collecting personal information in smartphone finance app service.

• The Journal of Society for e-Business Studies
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• v.15 no.3
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• pp.63-83
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• 2010

IPTV(Internet Protocol Television) is an innovation technology to lead the new media age. Internet protocol television (IPTV) is a next generation television converged with the Internet which are delivered portal services such as information search, games, movies, home shopping and banking. Generally, service quality affects to adopt or use these technologies. Quality of experience (QoE) is more issue to be considered than service quality because of the technological restriction and limitation that IPTV is accessed by the Internet. The QoE is defined as the cognitive and experienced quality measured with users through an experiment and is conceptually related to service quality. The objective of this paper is to suggest a methodology to measure the QoE of IPTV using a user testing. We find significant factors affecting QoE of IPTV through an exploratory study and measure QoE scores. We found the nine factors of graphics, picture, accuracy, access method, quality of contents, usability, security, and performance important for QoE. The QoE scores of picture, graphics, and quality of contents gained over the average score, but the overall score for IPTV service providers was not high and the QoE needs to be improved.

• Proceedings of the Korean Institute of Intelligent Systems Conference
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• 2004.04a
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• pp.34-37
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• 2004

인터넷을 기반으로 하는 금융서비스를 제공함에 있어 보안성에 대한 필요성이 최근 들어 매우 중요시되어져가고 있으며, 이 분야에 대한 많은 연구가 진행되어 오고 있다. 국내 대부분의 은행 기관에서는 인터넷 뱅킹 서비스를 지원하고 있으나, 그 서비스 이용에 있어 윈도우 사용자에 국한되어 있는 실정이다. 본 논문에서는 리눅스 기반에서 보다 더 안전한 인터넷 뱅킹 서비스를 지원하기 위한 PKI 기반 기술을 제안한다.

• 한국IT서비스학회:학술대회논문집
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• 2010.05a
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• pp.542-546
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• 2010

1999년 7월에 국내에 도입된 인터넷 뱅킹 서비스는 서비스 제공 은행들의 계속적인 투자와 보안, 결제시스템의 보완, 이용자들의 확산으로 빠르게 성장하고 있다. 효과적인 웹 사이트 관리는 인터넷 비즈니스의 성패를 좌우한다. 따라서 본 연구는 국내 은행 웹사이트의 인터넷 뱅킹 서비스에 대한 진단 및 평가를 통하여 효율적으로 인터넷 뱅킹을 수행할 수 있도록 지원코자 하는 실무적 목적을 연구의 출발점으로 삼았다.

• Proceedings of the CALSEC Conference
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• 2004.02a
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• pp.65-72
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• 2004

The Internet is a social and economic foundation, apparently destined for human communication and interaction. It is supposed to allow for more interactive and innovative ways for people to do what they do in 'real lift'. There is no shilly-shallying to say that at present, Internet has become a commanding and useful tool for empowerment and income making in developing countries. It is very difficult to say that at present internet has turned into a popular and useful thing among the Bangladeshi people like students, doctors, engineers, businessmen, researchers as well as politician who are being logged into the internet for getting information what they want. Though the Internet was invented in 1970 but it came late in Bangladesh through UUCPs (Unix-to-Unix copy) email connectivity in 1993 and IP connectivity in 1996. Having launched Internet, on June 1996 National polls result were broadcast through the using of World Wide Web (WWW) that was the first ever practice trial in Bangladesh. On June 1996, the government has approved to allow VSAT (Very Small Aperture Terminal) in the country's private sector to operate as Internet Service Provider (ISPs). At the end of year, there were only two ISPs in the country and number of users near about one thousand only. But next year in 1997, the total number of ISPs was more than a dozen and the clientele growth was ten times higher than that of the previous year. From then, the number of Internet users and ISPs are increasing significantly in Bangladesh. About 40 ISP are providing internet service among as many as 3, 20,000 users at present out of almost 130 license holder ISP provider but among the ISPs, most of the ISPs are placed in Dhaka and few are working in Comilla, Sylhet, Rajshahi, Chittagong and Khulna. It should be mention that currently, broadband internet (Radio, Cable) connection is working side by side dial -up connection where broadband accounts 10,000. This paper will have a comprehensive discussion on the current situations of Internet and some of the contemporary issues in the matter concerned.

• Information Systems Review
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• v.14 no.3
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• pp.75-97
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• 2012

Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.5 no.6
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• pp.1192-1213
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• 2011

Information security management systems (ISMSs) are used to manage information about their customers and themselves by governments or business organizations following advances in e-commerce, open networks, mobile networks, and Internet banking. This paper explains the existing ISMSs and presents a comparative analysis. The discussion deals with different types of ISMSs. We addressed issues within the existing ISMSs via analysis. Based on these analyses, then we proposes the development of an information security management evaluation system (ISMES). The method can be applied by a self-evaluation of the organization and an evaluation of the organization by the evaluation committee. The contribution of this study enables an organization to refer to and improve its information security levels. The case study can also provide a business organization with an easy method to build ISMS and the reduce cost of information security evaluation.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.3
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• pp.501-507
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• 2015

The online banking service handles a banking business over the internet, it is necessary to ensure that all financial transactions are processed securely. So, there are various authentication technique for e-banking service : a certificate, a personal identification number(PIN), a security card and a one-time password(OTP). Especially, the security card is most important means including secret information. If the secret information of card is leaked, it means not only loss of security but also easy to attack because security card is a difficult method to get. In this paper, we propose that a multi-channel security card saves an secret information in distributed channel. Proposed multi-channel security card reduces vulnerability of the exposed and has a function to prevent phishing attacks through decreasing the amount of information displayed and generating secret number randomly.

• Journal of Service Research and Studies
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• v.13 no.2
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• pp.130-145
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• 2023

The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.