Nowadays m-banking (mobile banking) is widely used in many banks. It has embarked upon supply of various services based on different systems and with the aid of various services such as the Short Message Service (SMS). However in developing countries such as Iran, m-banking is facing some challenges. One of these challenges is the issue of language of this system, because the main language of t...

This study is about the revolution of information and communication technology (ICT). It deals with the evolution of banking technology (BT), electronic banking (e-banking) and mobile banking (m-banking) in Sudan. It intends to explore the practice of m-banking in Sudan. The focus is on the availability of adequate infrastructure and on the challenges and risks that face m-banking services in S...

This paper presents a model of shadow banking in which the shadow and the traditional banking systems share a symbiotic relationship. The analysis shows that competition with an opaque and fragile shadow bank can bene…t the traditional bank, especially when the traditional bank faces liquidity risk stemming from collective actions by investors, such as runs. The opacity and fragility of the sha...

Online banking systems pose especially high requirements to web architectures with particular respect to the end-user interface. Although the number of online banking users is steadily increasing, they commonly face "one-size-fits-all" user interfaces rather than personalized user interfaces that are tailored to their individual needs and preferences. In this paper we present a prototypical onl...

Numerous information technology (IT)-based innovations from automated teller machines to electronic banking have already changed the customer-bank-interaction. Banks learned that these innovations require close integration with the existing channels, processes and systems in the front as well as in the backend. In view of a still dynamic pace of technological evolution, this research provides a...

The 1990s were a turbulent time for Latin American and Caribbean countries. During this period, the region suffered from no less than sixteen banking crises. One the most important determinants of the severity of banking a crisis is commercial bank liquidity. Banking systems that are relatively liquid are better able to deal with the large deposit withdrawals, which tend to accompany bank runs....

In this paper, a conceptual research model is proposed to study safe online banking behaviour. The Protection Motivation Theory functions as the core of the model. The model is extended with additional variables, making it suitable for the online banking context. The coping perspective, which is central to the Protection Motivation Theory, seems to be valuable to study behaviour in information ...

The banking industry in Norway has developed a new security infrastructure for conducting commerce on the Internet. The initiative, called BankID, aims to become a national ID infrastructure supporting services such as authentication and digital signatures for the entire Norwegian population. This paper describes a practical man-inthe-middle attack against online banking applications using Bank...

This paper presents a model of shadow banking in which the shadow and the traditional banking systems share a symbiotic relationship. The analysis shows that competition with an opaque and fragile shadow bank can bene…t the traditional bank, especially when the traditional bank faces liquidity risk stemming from collective actions by investors, such as runs. The opacity and fragility of the sha...

To improve the detection of the economic ”danger zones” from which severe banking crises emanate, this paper introduces classification tree ensembles to the banking crisis forecasting literature. I show that their out-of-sample performance in forecasting binary banking crisis indicators surpasses current best-practice early warning systems based on logit models by a substantial margin. I obtain...