This study develops an extended model to predict customer adoption of Internet banking based on the Technology Acceptance Model (TAM) integrating with perceived risks, perceived web site features. In particular, drawing from the perceived risk construct, six specific risk facets; security, privacy, social, time, performance and financial risk synthesized with the construct perceived web site fe...

Abstract. Phishing is an electronic online identity theft in which the attackers use a combination of social engineering and web site spoofing techniques to trick a user into revealing confidential information. This information is typically used to make an illegal economic profit (e.g., by online banking transactions, purchase of goods using stolen credentials, etc.). Although simple, phishing ...

The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms...

Man-in-the-middle attacks pose a serious threat to SSL/TLSbased electronic commerce applications, such as Internet banking. In this paper, we argue that most deployed user authentication mechanisms fail to provide protection against this type of attack, even when they run on top of SSL/TLS. As a possible countermeasure, we introduce the notion of SSL/TLS session-aware user authentication, and p...

E-commerce has been predicted to be a new driver of economic growth for developing countries. The SME sector plays a significant role in its contribution to the national economy in terms of the wealth created and the number of people employed. Small and Medium Enterprises (SMEs) in Egypt represent the greatest share of the productive units of the Egyptian economy and the current national policy...

Man-in-the-middle (MITM) attacks pose a serious threat to SSL/TLS-based e-commerce applications, such as Internet banking. SSL/TLS session-aware user authentication can be used to mitigate the risks and to protect users against MITM attacks in an SSL/TLS setting. In this paper, we further delve into SSL/TLS session-aware user authentication and possibilities to implement it. More specifically, ...

Authentication is a major research topic in the information security field. Much has been written about assessing entity (user) authentication methods, but there is a lack of literature concerning the evaluation of financial transaction authentication in online banking. Entity authentication methods have been systematized by quantifying their qualitative aspects, but there is no evaluation mech...

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An explosion of new technologies has taken place within the retail environment. More and more service providers have begun to use a wide range of technologies that allow consumers to produce and use the services by themselves, without direct contact from the employees of the firm. However, usage of services in new technologies is rarely problem-free; consumers may encounter obstacles during the...