Six factors with 42 elements were identified to examine the influences of demographic variables and attitudes towards the acceptance of internet banking in Malaysia using a Likert scale questionnaire. Results revealed that all elements for each factor are significant, except for design factors; whilst convenience and securities were the most important attributes influencing the inclination to a...

This study examines the role of continuous trust (i.e., trust which develops over time as a result of continuing interactions) in determining a user’s continuing intention to use Internet banking services. This study stands in contrast to the large majority of research concerning trust and IT adoption, in that it focuses on continuous trust (as opposed to initial trust) and on a user’s continui...

Users who downloaded this article also downloaded: Pooja Malhotra, Balwinder Singh, (2007),"Determinants of Internet banking adoption by banks in India", Internet Research, Vol. 17 Iss 3 pp. 323-339 http://dx.doi.org/10.1108/10662240710758957 Milind Sathye, (1999),"Adoption of Internet banking by Australian consumers: an empirical investigation", International Journal of Bank Marketing, Vol. 17...

This paper studies endogenous diffusion and impact of a cost-saving technological innovation – Internet Banking. When the innovation is initially introduced, large banks have an advantage to adopt it first and enjoy further growth of size. Over time, as the innovation diffuses into smaller banks, the aggregate bank size distribution increases stochastically towards a new steady state. Applying ...

This paper investigates the impact of the introduction of transactional Internet banking on performance and risk profile of major credit unions in Australia. Performance was measured using linear programming technique of data envelopment analysis and regressed on relevant explanatory variables using censored normal regression. Accounting data were used to measure risk profile and regressed on r...

The US banking industry has gone through a decade of mergers and consolidations where the universal view appears to be that achieving larger scale is the only means for survival among the megabanks of the nation and the world. However, one of the smallest banks in the nation, Security First Network Bank, has shaken up traditional bankers by introducing branchless banking via the internet. The i...

With the rise of Internet banking, phishing has become a major problem in online banking systems. Over time, highly evolved phishing attacks, such as active phishing, have emerged as a serious issue. Thus, we suggest two server authentication schemes based on SSL/TLS to protect Internet banking customers from phishing attacks. The first scheme uses the X.509 client certificate, which includes a...

Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used te...

User Interface is an important component of every computing system. This is particularly true in Internet Banking, where the users are customers, who access the banking services online, from different locations of the world. These customers when dissatisfied with the banking services could take drastic actions, such as spreading service failure related rumours, withdrawal of patronage, and so o...

Launching in Romania the banking products and services with long-distance access was based on image motives for the Romanian banks, domestic institutions or foreign banks branches. In this way, banks wanted to be innovative and they didn’t address necessarily to their clients’ needs. Once the long-distance payment instruments diversified and once the clients became aware of the benefits of such...