• Asia pacific journal of information systems
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• v.23 no.1
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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.

• Convergence Security Journal
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• v.6 no.2
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• pp.13-20
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• 2006

Since the domestic internet banking environment has established for Microsoft Internet Explorer (IE), the internet banking service is not able to use in the open operating system and web browser such as linux and freeBSD. To solve the :problem, we develop the digital signature system used the seed for the digital payment system in the open software environment. Because the domestic internet banking performs the certificate and digital signature verification through official certificate that the official certificate authority issues, we analyze and develop the verification of validity system for the official certificate. Since the virtual internet banking environment is already established in the web server developing under the self-abilities, the basic internet banking service can be performed installing the certificate in the client which has the mozilla porting the seed. Finally, we can confirm that the certificate and digital signature are performed normally through the experiment.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.931-937
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• 2021

Since the service organizations have been moving towards digitization across the world, there is a wide range of technological innovations that have been integrated within the service firms, especially in banking services. As such, Internet banking is one of the innovative services that have reshaped the traditional banking activities, particularly in Bangladesh. In line with this, the research is designed to examine the Internet banking adoption based on five variables: perceived usefulness, perceived ease-of-use, trust, social influence, and perceived enjoyment, and the study also explores differences among respondents on these study variables based on gender and academic disciplines. The study has selected university students as study samples as they are the prospective customers to use Internet banking. Sample size in the research is 300, and a well-designed questionnaire was distributed to collect data. SPSS is used for statistical analysis. The research used ANOVA test to capture any difference on variables based on gender and academic disciplines. The findings indicate that male students in business have more intention to adopt Internet banking and preference for ease-of-use than female students, and business students will be more favorably inclined to adopt Internet banking service than students in other academic disciplines.

• 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.

• The Journal of Society for e-Business Studies
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• v.18 no.4
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• pp.169-193
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• 2013

This study investigates time series data on internet banking systems and business performances for 5 large-scale banks : Kookmin, Woori, Hana, City, Shinhan. These banks have the common features that they merged with other banks around 2000, hence they experienced massive IS integration between banks. This study adopted VAR and VECM for identifying Granger causality between the quality of internet banking systems and the performances of banks(operating revenue and cost). The main results are as follows. First, internet banking system impacts positively on the revenues as well as costs of banks. Second, the improvement of internet banking system is instigated by cost part more than revenue part. Hence, the results imply that banks tries to reduce operating costs via internet banking systems, however the systems rather increased the costs of banks, although the systems increased operating revenues of banks too.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 2000.10a
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• pp.125-128
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• 2000

The Internet banking service, through which customers process their banking-related works, was introduced in July 1997. The service has since spread quickly, and as of the end of June 2000, just one year after its introduction into Korea, its subscribers numbered 1.23 million people. This figure is ten times larger than the 120,000 subscribers recorded over the six months period up to the end of 1999. In addition, since the end of June 2000, subscriptions on average increase by more than 10,000 a day, and by the end of December 2000, it is expected to pass the 3 million mark. There has been no empirical study conducted on the invigorated Internet banking's status and its services. Therefore, this research is designed to conduct a survey on the Internet banking service status, to conduct actual transactions from the viewpoint of customers and then make a empirical evaluation of it. This will indicate directions for improvement and development of the domestic Internet banking service. We have evaluated ten areas of the Internet banking service including financial service, customers service, users'convenience, and system safety. As of the end of June 2000, 18 out of 20 commercial domestic banks are providing an Internet banking service, and we have conducted evaluations of all these banks. The evaluation is divided into ten categories with 100 points as a maximum score. These are then classified into six grades AAA, AA, A, BBB, BB and B. The outcome of this evaluation was featured in the major domestic journals, and the banks, acknowledging the value of the report, declared that they would adopt it as their criteria for evaluation.

• The Journal of Information Technology
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• v.5 no.3
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• pp.97-119
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• 2002

It is Study Service Model for Case Study of Internet Bank. With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This Study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

• The KIPS Transactions:PartC
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• v.17C no.3
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• pp.223-232
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• 2010

Due to the advance of Internet, offline services are expanded into online services and a financial transaction company provides online services using internet baning systems. However, security problems of the internet banking systems are caused by a lack of security for developing the internet banking systems. Although the financial transaction company has applied existing internal and external standards, ISO 20022, ISO/IEC 27001, ISO/IEC 9789, ISO/IEC 9796, Common Criteria, etc., there are still vulnerabilities. Because the standards lack in a consideration of security requirements of the internet banking system. This paper is intended to explain existing standards and discusses a reason that the standards have not full assurance of security when the internet baning system is applied by single standard. Moreover we make an analysis of a security functions for the internet baning systems and then selects the security requirements. In this paper, we suggest a new protection profile of the internet baning systems using Common Criteria V.3.1 from the analysis mentioned above.

• Proceedings of the Korea Information Processing Society Conference
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• 2004.11a
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• pp.543-546
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• 2004

Web Services are rapidity becoming the enabling technology of today's e-business and e-commerce systems, and will soon transform the Web into distributed applications. The aim of this paper is to present our approach in applying Web Services into the Internet transaction banking system. The system is integrated among backend system of banks so that each bank system can communicate with each other in order to perform transactions in transferring money from an account in one bank to an account in the partner bank and vise versa. The backend systems of banks are heterogeneous information systems; therefore it is difficult to build a common environment using existing distributed technologies. Web Services provide a means for different organizations to connect their applications with one another to conduct business across a network in a platform and language independent manner [1]. The paper will examine these benefits of Web Services and apply these features into the Internet banking transaction system regardless of platform, programming languages as well as existing backend system of banks.

• Journal of the Korea Society of Computer and Information
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• v.4 no.3
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• pp.107-113
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• 1999

Banking and financial areas are facing on social upheavals by a rapidly advanced Open Network such as Internet, and the crest of a digital boom in the economic side for the 21th century. Electronic banking services has been remarkably changed from the Closed Network into the Open Network which is motivated by the low-cost internet services. This Open Network leads clients to choose banks that offer the best services and goods on the basis of the internet market. Therefore, capability of coping with clients' needs will be rising as one of the main strategies for competitive internet banking system in the near future. For this reason this thesis focuses on issues for banking services that internet influences, internet banking strategy of a developed bank, and expanding services and goods marketing through the internet.