• 정보보호학회논문지
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• 제26권3호
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• pp.735-744
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• 2016

최근 모바일 서비스 증가와 함께 다양한 개인정보 유출사고가 증가하고 있다. 개인정보 유출사고는 개인의 모바일 뱅킹 서비스 이용에 중요한 영향을 미친다. 이에 따라 본 연구에서는 다양한 개인정보 유출사고 인지가 모바일 뱅킹 이용자의 심리와 행동에 미치는 영향관계를 살펴보았다. 본 연구에서는 모바일 뱅킹 이용자의 심리와 행동 이해를 위해 인간의 심리와 행동을 설명해주는 대인행동이론과 외부 자극에 대한 반응 결과를 설명해주는 자극반응이론을 활용하였다. 본 연구자들은 모바일 뱅킹 이용자들을 대상으로 온라인을 통해 설문조사를 수행하였고, 구조방정식 모델을 통해 인과관계를 분석하였다. 본 연구결과는 모바일 뱅킹 서비스를 제공하는 금융기관에서 개인정보보호 관련 준수의도와 준수행동을 강화하는데 유용하게 활용될 것이다.

• 한국정보시스템학회지:정보시스템연구
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• 제15권4호
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• pp.99-124
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• 2006

The development of IT has made it possible to use various terminal systems for financial transaction and demands for financial survices are getting more and more diversified at the same time. Among others, mobile banking service market based on IC chips has been expanded its service areas and the number of mobile banking users has been increased. The study analyzes and tests the dynamic effects of the inflow of potential customers on mobile banking market condition by using system dynamics methodology to identify the dynamic structure of mobile banking market. The simulation model is designed to track the variation in the number of subscribers of mobile banking servides according to two scenarios, and the results are as follows; First the effect of word of mouth by customers who have used the service already is significant. The satisfactory level of early adopters is reflected in WOM, and as a test result shows, increase in word-of-mouth causes the growth of potential customers' demands for mobile banking service. Second, perceived attractiveness of mobile banking service market is another important construct. Factors such as convenience, mobility, time saving, security, and various services explain the construct perceived attractiveness of the service, and it makes the potential customers adopt the service, causing the increase of demands.

• 한국전자거래학회지
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• 제11권3호
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• pp.13-34
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• 2006

최근 모바일 비즈니스에 대한 관심이 고조되면서 모바일뱅킹은 새로운 거래의 수단으로서 기존의 오프라인 은행, 폰뱅킹, 인터넷뱅킹 등을 일정부분 대체할 잠재력을 가지고 있다. 이러한 상황에서 본 연구는 모바일뱅킹 이용의도에 영향을 미치는 요인들을 실증분석을 통해 밝히고자 하였다. 본 연구에서는 모바일뱅킹 이용의도에 영향을 미치는 요인으로 신기술반응 특성 요인, 지각된 위험 특성 요인, 그리고 환경 특성 요인을 설정하였다. 연구결과 사용자의 신기술반응 중 혁신성이 이용의도에 유의한 영향을 미치는 것으로 나타났다. 지각된 위험 특성 요인 중에서는 성능적 위험이 모바일뱅킹 이용의도에 강한 영향을 미치는 것으로 나타났으며, 환경 특성 요인들도 이용의도에 매우 강한 영향을 미치는 것으로 나타났다.

• The Journal of Asian Finance, Economics and Business
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• 제8권9호
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• pp.121-130
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• 2021

In the mobile industry, customer complaints play a significant role in retaining customer loyalty to the services provided. Thanks to user complaints, mobile service providers can effectively identify problems and then propose solutions to adapt or improve their services. Hence, it's critical to understand the relationship between consumer complaints and satisfaction with mobile services. While several studies have shown that customer satisfaction is an intermediary variable that explains customer complaint intention, there have been few studies on the relationship between pre-determinants of their satisfaction, leaving a gap in our understanding of customer complaint intention. To demonstrate an in-depth approach to this matter, authors revisit justice theory and suggest trust and perceived responsibility variables be combined into a research model. A cross-section survey was conducted to collect data from 265 mobile services users of the three biggest mobile service providers in Kien Giang Province, Vietnam. This study employed Structural Equation Modeling (SEM) method to analyze the samples collected. The result showed that customer complaint intention is affected by distributive justice, interactional justice, trust but not procedural justice. Additionally, the moderating role of the perceived responsibility variable to the relationship between customer satisfaction and complaint intention is also proved.

• International Journal of Fuzzy Logic and Intelligent Systems
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• 제11권4호
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• pp.229-237
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• 2011

As smart phones have become widely adopted, they have brought about changes in individual lifestyles, as well as significant changes in the industry. As the mobile technology of smart phones has become associated with all areas of industry, it is not only accelerating innovation in other industries such as shopping, healthcare service, education, and finance, but is also creating new markets and business opportunities. The preparation of thorough security measures for smart phones is increasing in demand. While offering excellent mobility and convenience, smart phones can be exposed to a range of violation threats. In particular, it is necessary to make efforts to develop a security system that can preemptively cope with potential security threats in the banking service area, which requires a high level of reliability. This paper suggests a security reference model that is considered for the smart phone-based joint mobile banking development project being undertaken by the Bank of Korea in 2010. The purpose of this study is to make a security reference model for a reliable smart phone-based mobile financial service, by recognizing the specific security threats directed toward smart phones, and providing countermeasures to these security threats. The proposed mobile banking security reference model is useful in improving system security by systematically analyzing information security threats to the mobile financial service, and by presenting the guideline for the preparation of countermeasures.

• 통상정보연구
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• 제9권2호
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• pp.87-101
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• 2007

This study developed seven assumptions to demonstrate the effect of personal innovation, social influences, service quality, mobility and accessibility on perceived usability, perceived convenience use and use intention using a technology acceptance model developed by Davis(1989), and the results are presented as follows: First, the assumption that personal innovation and service quality of mobile banking service will influence the perceived usability was adopted while the assumption that social influences will affect the perceived usability was rejected. Second, the assumption that mobility and accessibility of mobile banking services will influence the perceived convenient use was selected. Third, the assumption that the perceived usability of mobile banking service will influence use intention was rejected while the assumption that the convenient use will influence use intention was adopted. This study suggests that as personal innovation, service quality, mobility and accessibility have a significant influence on use of mobile banking, service providers should pay more attention to development of security programs and diversification of contents.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제18권4호
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• pp.1059-1074
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• 2024

The paper is an attempt to study the individual's intention to use mobile banking. In light of the results obtained from the study, the proposed model offers a better fit with the data and explains the intention of individuals to use mobile banking services. Government support, trust, and compatibility significantly contribute to the Perceived behavioral control of a bank customer to use mobile banking while Perceived ease of use, Perceived usefulness, Security and privacy, and risk have a significant positive impact on the attitude of the individuals to utilize mobile banking service. The study uses primary data and the final instrument was administered to 950 respondents, across the country of which 904 data were used for the analysis after editing to accommodate the missing values. The study has adopted structural equation modeling approach to analyze the relationships between the variables in the study. The proposed framework in this study can be utilized to identify the factors that promote the adoption of mobile banking practices and the study also has the potential to provide updated and comprehensive literature on mobile banking, which can accelerate future research in this field.

• Journal of Information Technology Applications and Management
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• 제13권2호
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• pp.67-86
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• 2006

Based on literature relating to the TAM (technology acceptance model) and TPB (theory of planned behavior), this study extends the TAM in a mobile banking context. The extended model was tested using LISREL analysis on the sample of 222 users who have experience with the banking service. The model was partially supported in a mobile banking context, accounting for 49% of the variance in the usage intention. The results showed that the perceived usefulness, the perceived credibility, and the perceived financial cost play a significant role in influencing the usage intention of the mobile banking service. In addition, instant connectivity and perceived credibility were found to influence the perceived usefulness, and self-efficacy and instant connectivity were found to influence the perceived ease of use. Implications of these findings are discussed for researchers and practitioners.

• The Journal of Asian Finance, Economics and Business
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• 제7권2호
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• pp.205-212
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• 2020

The article aims to identify the main factors affecting customers' decision to use mobile banking service in Vietnam, a case study in Thanh Hoa province. Based on theoretical frameworks of the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), the study has been conducted with 370 questionnaires to consumers who have not yet used and are currently using mobile banking in Thanh Hoa province. The research results indicates that several factors have been evaluated to be more important than others, of which, the social influence is the strongest, the second is the compatibility and some others factors such as perceived ease of use, perceived trust, etc., all affecting the intention to use mobile banking in Thanh Hoa. Based on these important results, the article propose a number of recommendations: (i) Exploiting the advantages of social influence on the increase of intention to use; (ii) Increasing compatibility and minimizing costs for customers when they use Mobile Banking; (iii) Developing a strategy to increase the users' perceived ease of using banking services; (iv) Issuing a policy on increasing the security of Mobile Banking system to meet customers' needs; and (v) Developing an individual customer management system to improve service quality.

• 한국산학기술학회논문지
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• 제8권6호
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• pp.1530-1536
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• 2007

본고에서는 무선 인터넷을 통해 은행 업무에 적용 할 수 있는 모바일 뱅킹 시스템을 소개하고자 한다. PDA는 소형 컴퓨터라 할 만큼 성능도 뛰어나고 이동할 수 있는 기기이기 때문에 영업사원 등이 많이 활용하고 있다. 따라서 PDA의 무선통신 기능을 활용하여 일상적인 은행업 업무를 실행할 수 있다면 많은 편리함을 줄 수가 있다. 또한 PDA는 윈도우기반의 운영체제를 갖고 있기 때문에 클라이언트측의 소프트웨어 개발과 유지보수가 편리한 장점이있다. 본 논문에서는 PDA 뱅킹 시스템의 최적 솔루션을 소개하는데, 이 시스템은 무선 인터넷 기술, 공개키 기반 보안 기술, PDA 응용 기술이 접목되어 실질적으로 뱅킹 업무에 사용 할 수 있도록 설계되었으며 프로토타입을 구현되었다. 분석 및 설계 방법은 UML을 이용한 객체 지향 설계 방법을 사용하였으며 Java Beans를 이용하여 구현하였다.