• Journal of the Korean Data and Information Science Society
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• v.16 no.2
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• pp.301-311
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• 2005

This study has conducted to measure the internet banking customer satisfaction using structured equation model. Data was collected by e-mail system. Among survey panel who had experience of using Hanwha-Bank internet banking service, final samples were 2,848 respondents. The results showed that usage convenience and economy factor was most correlated with customer satisfaction. And we found that word-of-mouth behavior was affected customer satisfaction.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.4
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• pp.941-950
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• 2015

Internet banking is widely used in our life with the development of the internet. At the same time, phishing attacks to internet banking have been increased by using malicious object to make unfair profit. People using internet banking service in Korea is required to install security modules such as anti-virus and keyboard protection. However phishing attack technique has been progressed and the advanced technique such as memory hacking defeats the security module of internet banking service. In this paper, we describe internet banking security modules provided by Korean internet banks and analyze how keyboard encryption module works. And we propose an attack to manipulate account transfer information using javascript. Although keyboard protection module provides two functions that protect leakage and manipulation of account transfer information submitted by users against the malicious program of hackers. Our proposed technique can manipulate the account transfer information and result html pages.

• Journal of Internet Computing and Services
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• v.21 no.5
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• pp.75-85
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• 2020

The application of Internet technology has created enormous impact on banking sector with the implementation of many techno-oriented services like Internet banking, EFT, branchless banking, Automated Clearing House (ACH) transactions etc. Study of customer's attitude in terms of trust, perceived risk and ease of use of a particular technology is as an important parameter for acceptance or rejection of a technology. To explore the customers'attitude for Internet banking this research is undertaken. The research is carried out in Pokhara valley which is the second largest city and tourism capital of Nepal. The study employs descriptive research design with stratified sampling procedure for eight top commercial banks. A set of 25 customers is taken from each selected 8 banks making a sample size of 200 respondents. A fixed set of question related to demographic factors is provided personally or by visiting the location of the customers of Internet banking service and collected accordingly. Reliability test is performed using Cronbach's alpha and data is analyzed using inferential statistics to present the results of the study. This study provides knowledge on the current scenario of Internet banking and helps banks in cost saving, mass customization, product innovation, improved marketing and communication. This study is very important for financial institutions like banks, government agencies and business houses to understand the perception of customers towards Internet banking and technology as a whole. The study also supplements the gap in literature on technology and banking in Nepal and serves as an important knowledge base.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.111-128
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• 2018

Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

• East Asian Journal of Business Economics (EAJBE)
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• v.9 no.4
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• pp.113-129
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• 2021

Purpose -This study was based on the TAM and the trust of Bangladeshi in social impact, privacy and security, compatibility, perceived-ease of use, and perceived-usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology - Internet survey was conducted for individuals who had experience in using the online banking service, and those who have no experience in online banking were excluded from the analysis. The questionnaire was distributed to Bangladesh respectively, and data were collected. Result - Trust is the variable that has the greatest influence on the adaption of online banking service. Perceived-usefulness was found to have a important effect on individuals' behavioral-intention towards the adopting of online Banking services in Bangladesh. It was also found that compatibility, privacy and security were important predictors. Conclusion - The TAM model, which explains individual behavioral intentions toward adopting online banking services in Bangladesh, is sufficiently applicable. Perceived ease of use found an important predictor of trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt online banking services if they find it useful and reliable. Another very important constructive correlation between trust and perceived-usefulness, suggesting that consumers who realize that online banking is safe and useful.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.36 no.4
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• pp.84-91
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• 2013

For service innovation, it is crucial to measure the quality of service and identify the factors which affect it. In this study, for that purpose, a composite research model based on SERVQUAL and the technology acceptance model is proposed. The model is applied to three different service areas-Internet shopping, Internet banking, and cloud service. Analysis has been performed using the SEM methodology. The analysis shows that reliability, responsiveness and assurance affects the service quality in different ways for each, the result of which enables us to identify quality-determining factors in various service areas.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.4
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.

• Journal of the Korean Operations Research and Management Science Society
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• v.41 no.1
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• pp.71-85
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• 2016

Service channel environments have changed dramatically with the advent of new, online digital channels. This article studies the effects of perceived multi-channel service quality on customer satisfaction and loyalty in the banking industry and the moderating role of age, which is a characteristic of customers. The objective is to identify the quality factors that affect the overall satisfaction and loyalty of a multi-channel customer. A quantitative study was conducted on 900 customers, with the main targets being users of the nine primary Korean retail banks. Results show that perceived service quality of the physical environment, human service, Internet banking, mobile banking, and ATM has a positive influence on overall satisfaction and loyalty. Age moderates the relationship among physical environment quality, human service, and customer loyalty.

• Journal of Digital Convergence
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• v.10 no.11
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• pp.137-144
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• 2012

Seventeen domestic banks, Hongkong & Shanghai Banking Corporation Ltd. and Korea Post provide their subscribers with banking services such as statement service, funds transfer, and application for loans through Internet banking sites, which have become ever-increasing banking services for individual and corporation and government subscribers. First, this study aimed at presenting a process of determining factors to measure customers' perception while using Internet banking for doing transactions. Secondly, this paper attempted to unveil a list of major factors that Internet banking customers perceive while accessing the web sites to do their business with their banks. This study also suggested the features of those factors, which would help improve our understanding of Web usage for Internet banking. This result of the paper will lead further understanding of factors associated with Internet uses in other economic activities, which enable practitioners such as web designers and security specialists to provide Internet banking subscribers with better services in a safe and convenient web pages.

• Information Systems Review
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• v.7 no.2
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• pp.85-100
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• 2005

Mobile banking, a type of digital convergence, has recently spread in the ubiquitous age. This study intends to identify the factors that affect the adoption of the mobile banking, which is a field similar to, but even more specialized than, the Internet banking. The results indicate that the significant factors affecting the usage of mobile banking are usefulness, service quality, and instant connectivity, while usability and social influences are not significant. These results are expected to be used for marketing the mobile banking and establishing the technological strategy by the telecommunication and banking organizations.