• Journal of Korea Society of Digital Industry and Information Management
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• v.12 no.4
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• pp.135-143
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• 2016

The purpose of this study is to investigate the user's attitude and usage of smart banking application in terms of user's benefits and personalization. While the prior researches on mobile banking adoption focus on the characteristics of service itself, this paper intends to investigate the smart banking application in terms of user's benefits, which are personal value consumers attach to the product or service attributes. Based on prior studies functional benefits, social benefits, experiential benefits, and personalization are identified as affecting factors of the user's attitude and usage of smart banking application. According to the results of multiple regression analysis, all benefit factors(functional benefit, experimental benefit, social benefit) and personalization were found to be significantly related to the user's attitude. Users' attitude on smart banking was found to be significantly related to the real usage as well. This paper has value in that it investigates the attitude and usage of smart banking in terms of benefits.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.2
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• pp.217-227
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• 2022

The main purpose of this study is to analyze the adoption and use of mobile banking by university students and its potential determining factors. This study comprises 259 completed questionnaires answered through an online survey method. The respondents are Mongolian university students who have experience in using mobile banking applications. Young adults rely heavily on technology and are more likely to adopt mobile banking applications; however, there is limited research on the acceptance and use of mobile banking applications among this cohort, particularly from the perspective of Central Asian developing economies. Through using the SmartPLS 3.3 software, confirmatory factor analysis was conducted to evaluate the construct and structural equation modeling. The main results indicate that performance expectancy, effort expectancy, social influence, and facilitating conditions are the main constructs related to mobile banking technology acceptance; perceived security positively impacts perceived trust. Moreover, perceived trust is the construct of the use of mobile banking technology by the university students who responded to the questionnaire. However, the relationship between perceived risk and use behavior was not accepted.

• The Journal of Information Systems
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• v.24 no.2
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• pp.209-240
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• 2015

Purpose This study investigates the relationships between various attributes of smart banking (convenience, security, convergence, and economy), user features (familiarity and innovativeness), perceived usefulness, trust, satisfaction, and continuance intentions and provides a comparison of Google's Android OS and Apple's iOS. Design/methodology/approach We considered a sample of 245 respondents and used structural equation modeling to analyze the data. Findings The results indicate that convergence and familiarity significantly affected perceived usefulness and that security and economy significantly affected perceived trust in smart banking services. The relationships of security, economy, and innovativeness to perceived usefulness and those of convenience and familiarity to perceived trust were stronger for the Android OS than for iOS. The study contributes by proposing an integrated framework and providing a comparison between the Android OS and iOS in the context of smart banking.

• International Journal of Computer Science & Network Security
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• v.21 no.7
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• pp.1-7
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• 2021

An amazing growth in the field of Internet of Things (IoT) and Blockchain based smart cities from both industry and academia has been witnessed in the recent years. There are many smart applications such as intelligent transportation, smart banking, improving the life style of citizen, energy consumption and managing the waste in the city, handling home needs are supporting the Smart city concept. These applications are profoundly supported by the advanced technologies like Blockchain as well as IoT in the recent past. Smart cities can be supported by the Blockchain core concepts such as secure, transparent, decentralized and immutable nature. Still, Blockchain and IoT technologies implementation in smart cities are in their early stages and significant research efforts are desirable to integrate them. This review article explores the roles and responsibilities of Blockchain and IoT in building smart cities.

• Convergence Security Journal
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• v.18 no.3
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• pp.27-35
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• 2018

The certificate is electronic information issued by an accredited certification body to certify an individual or to prevent forgery and alteration between communications. Certified certificates are stored in PCs and smart phones in the form of encrypted files and are used to prove individuals when using Internet banking and smart banking services. Among the rapidly growing Android-based malicious applications are malicious apps that leak personal information, especially certificates that exist in the form of files. This paper proposes a method for judging whether malicious codes leak certificates by using DroidBox, an Android-based dynamic analysis tool.

• Journal of Smart Tourism
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• v.2 no.1
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• pp.21-31
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• 2022

This review paper aims at providing a systematic analysis of articles published in various journals and related to the uses and business applications of big data. The goal is to provide a holistic picture of the place of big data in the tourism industry. The reviewed articles have been selected for the period 2013-2020 and have been classified into 8 broad categories namely business strategy and firm performance; banking and finance; healthcare; hospitality; networks and telecommunications; urbanism and infrastructures; law and legal regulations; and government. While the categories are reflective of components of tourism industries and infrastructures, the meta-analysis is organized around 3 broad themes: preferred research contexts, conceptual developments, and methods used to research big data business applications. Main findings revealed that firm performance and healthcare remain popular contexts of research in the big data realm, but also demonstrated a prominence of qualitative methods over mixed and quantitative methods for the period 2013-2020. Scholars have also investigated topics involving the notions of competitive advantage, supply chain management, smart cities, but also ethics and privacy issues as related to the use of big data.

• Human Ecology Research
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• v.52 no.4
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• pp.429-441
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• 2014

The use of smartphones has grown rapidly over a short period of time, particularly for commuting news search, smart banking, and social networking services, and has had a significant impact on the pattern of contemporary life. Further, a wide range of applications are downloaded on to smartphones. This has also led a considerable number of complaints regarding these applications. In this study, we focus on the levels of dissatisfaction that users experience with smartphone applications and their effects on consumer complaint behavior along with the moderating effects of the complaint handling process and attribution. The aim of this study is to verify whether the following hypothesis--2 (low/high dissatisfaction level of smartphone applications)${\times}2$ (poor/excellent complaint handling process)${\times}2$ (internal/external consumer attribution)--is in accordance with the betweengroup design to build a factorial design experiment. The results of this study are as follows. First, the consumer's tendency to complain significantly influenced their dissatisfaction level. Second, consumer complaint behavior is modulated by the complaint handling process. Third, the external-attribution tendency of consumers was found to lead to more dissatisfaction than the tendency for internal attribution.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.5
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• pp.273-283
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• 2022

Banking and finance is a broad term that incorporates a variety of smaller, more specialized subjects such as corporate finance, tax finance, and insurance finance. A virtual assistant that assists users in searching for information about banking and finance terms might be an extremely beneficial tool for users. In this study, we explored the process of searching for information, seeking opportunities, and developing a virtual assistant in the first stages of starting learning and understanding Vietnamese to increase effectiveness and save time, which is also an innovative business practice in Use-case Vietnam. We built the FIBA2020 dataset and proposed a pipeline that used Natural Language Processing (NLP) inclusive of Natural Language Understanding (NLU) algorithms to build chatbot applications. The open-source framework RASA is used to implement the system in our study. We aim to improve our model performance by replacing parts of RASA's default tokenizers with Vietnamese tokenizers and experimenting with various language models. The best accuracy we achieved is 86.48% and 70.04% in the ideal condition and worst condition, respectively. Finally, we put our findings into practice by creating an Android virtual assistant application using the model trained using Whitespace tokenizer and the pre-trained language m-BERT.

• The Journal of the Korea Contents Association
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• v.20 no.12
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• pp.266-277
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• 2020

As users' convenience increases, the issue of personal information leakage about smartphones is also becoming serious. Since all of the user's personal information needed to provide functions such as electronic banking services and personal file storage is stored in the smartphone, the user's important personal information may be exposed if the smartphone is lost or stolen. In order to protect this privacy, governments and telecommunications companies offer smartphone locking or initialization services, but there are many loopholes and problems. In this paper, we design and implement applications that prevent malicious use of a user's personal information stored on a smartphone when a smartphone is lost or stolen, and that automatically initializes the smartphone used after removing or altering the USIM chip and destroys the user's personal information stored within the phone. The proposed application prevents users from maliciously using their personal information when a smartphone is lost or stolen.

• Journal of Korea Society of Digital Industry and Information Management
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• v.16 no.1
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• pp.41-54
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• 2020

In this paper, it will study various problems such as personal information infringement from when using various useful Apps in the Smartphone environment. It also researched the vulnerabilities Mobile Apps and the risks of personal information leakage when using Smartphone information to decrease threat and find solution. In the second chapter, it will check the existing Mobile App related Apps. In the third chapter, it will check the threats and major factors that caused by the leakage of personal information which related to the app. Then it will suggest solution and end with conclusion. This paper also looked at various problems that caused by illegal adverse effect from illegal personal information collection. Then it researched and made suggestion to make consideration on safety of personal information and privacy infringement that threat to personal information For safety of mobile banking, it proposed a safety method to separate and manage the code which has the core logic which required to run the App. For safety of direction App, when running the direction App, even if the information is collected, location information for unauthorized accessed will encrypt and store in DB, so that access to personal information is difficult. For delivery App environment, by using the national deliver order call center's representative phone to receive a telephone order then, the customer information is delivered to the branch office when it receive order and it will automatically delete information from the server when the delivery is completed by improving DB server of order. For the smart work app environment, the security solution operates automatically by separating and make independent private and work areas. Then it will suggest initialization for company's confidential business information and personal information to safe from danger even if loss.