Traditional authentication systems used to protect access to online services (such as passwords) are vulnerable to compromise via the introduction of a keystroke logger to the service user’s computer. This has become a particular problem now that many malicious programs have keystroke logging capabilities. When banks first introduced online banking services they realised this, and added feature...

Little is known about the dynamics of adoption of Internet services in general in the Acceding and Candidate Countries 1 (ACCs). Retail Internet banking, however, is one of the most developed e-services and, the drivers and barriers for the adoption of Internet banking are likely to be relevant to other sectors e-services. They may also shed light on the underlying supply/demand dynamics. The p...

One of the haunting problems of Internet banking in Malaysia is the slow in acceptance of this innovative distribution channel for banking products and services. This paper addresses the perceived e-commerce security influence on adoption of Internet banking, and the role of national environmental factors such as attitude, subjective norms, and perceived behavioral control factors towards adopt...

We describe how Semantic Web Service technology can be used for the provisión of personal e-banking online services. We describe two deployed applications: an overdraft notification service and a mortgage comparison service. The former accesses the bank accounts of a user as well as utility goods Web sites where invoicing information is stored and estimates whether the user will be in an overdr...

Research in traditional (bricks-and-mortar) services has broadly supported the link between service quality and customer loyalty. Given the significance of customer loyalty for the profitability of eservices, it is important to ascertain whether the established role of service quality as a driver of loyalty in traditional services translates to e-service settings. An important feature which dif...

Using the data collected from the online banking users in Taiwan, we build a hierarchical model of ebanking service quality and investigate the relationships among e-service quality, trust, satisfaction, loyalty, and brand equity. Moreover, the simultaneous equations system approach is also applied to transfer the traditional satisfaction-loyalty path into the simultaneous relationships between...

This chapter proposes a model that (1) analyzes the direct and indirect effects of e-service quality on satisfaction and value with the moderating/mediating role of value as well as (2) analyzes the positive impact of gender, age, education, and income on quality, satisafaction, and value. The overall results show service quality is a major predictor of perceived value, which in turn is positiv...

E-banking has grown dramatically with the development of ICT industry and banks offer their services to customers from different channels. Nowadays, considering the great economic benefits of electronic banking systems, the need to pay attention to the expansion of electronic banking is increasingly felt in terms of reducing costs and increasing the bank's profitability. The purpose of this stu...

Cybercrime is a pervasive threat for today’s Internet-dependent society. While the real extent and economic impact is hard to quantify, scientists and officials agree that cybercrime is a huge and still growing problem. A substantial fraction of cybercrime’s overall costs to society can be traced to indirect opportunity costs, resulting from unused online services. This paper presents a theoret...

1 Though the Internet has been a fast-adoption medium, even businesses such as banks that are particularly suited to moving online quickly have been finding that customer adoption of their e-services may be erratic. This paper is a first attempt to model the Scurve of Internet banking diffusion for a sample of 65 European major banks in the last 4 recent years (1997:2000). While a country Inter...