註釋 English Abstract: Although the channel of consumer finance has been moving from offline to online since the early 2000s, a few consumers are still unfamiliar with Internet banking services. This study examined the factors affecting Korean consumers' Internet banking adoption and use behavior, focusing on the differences between PC banking and smartphone banking. The data used in this study was collected by the Korea Consumer Agency during November 2017, and the sample frame included consumers with various age groups, ranging from their 20s to 80s. The major results of this study are follows. First, consumers who were employed, aged in their 20s to 40s, earned monthly household income over 2,500 thousand won, high in the level of self-efficacy, and low in the level of perceived risk were more likely to use Internet banking services. Second, the consumers' level of self-efficacy was a common factor for enhancing the likelihood of experiencing a PC-based Internet banking service, as well as the smartphone-based Internet banking service. Third, consumers who were unemployed, aged in their 50s to 60s, and low in the level of self-efficacy were less likely to use Internet banking services frequently. Fourth, consumers those who were unemployed, aged in their 50s to 60s, and low in the level of self-efficacy, were more likely to have a higher number of consumer- finance related mobile applications in their smartphones. Based on the above findings, potential problems can occur in the future with respect to the different levels of Internet banking use behavior, as well as its adoption. To reduce the gap between the high-use group and low-use group, provisions of the consumer education program, specifically targeting the improvement of self-efficacy, are required for relatively vulnerable consumers in terms of the generation and income level. 