Since its introduction, German online banking has been following a two-factor authentication procedure marked by a steady increase in its security features. In the recent past, however, app-based authentication schemes have gained in popularity and begun to replace established schemes like chipTAN. Unlike chipTAN, which uses dedicated hardware to securely legitimize transactions, authentication...

A Developing Model of Relationship Among Service Quality, Consumer Satisfaction, Loyalty, and Word of Mouth in Islamic Banking. This research aims to develop a measurement tool of service quality in Islamic banking sector, and examine its relationship among satisfaction, word of mouth (WOM), and consumer loyalty. A convenience sampling of 235 respondents collected from seven locations in the Lh...

Improvements in wireless technologies and increased uptake of advanced mobile handsets have led to a growing trend in mobile banking activities on a global scale. However, little is known about the potential of mobile banking for rural areas in developed countries. Prior research suggests some difficulties faced by rural areas in accessing ICT services such as high speed Broadband and Mobile In...

In the context of developed countries and in several Middle Eastern countries, the problem of motivating consumers to make use of banking services has been resolved. However, in Yemen, majority of the citizens are non-bank users. This fact leads to a major issue and negatively affects the economy of the country. In this regard, the present study aims to shed a light on the factors that have the...

The banks are motivated to leverage their m-banking activities with the advancement of mobile technologies and the high mobile penetration rate. Despite the availability of the mbanking services, many consumers still posses the attitude of ‘wait-and-see’ which resulted to unsatisfactory adoption rate. Hence, this paper aims to extend the Unified Theory of Acceptance and Use of Technology (UTAUT...

Technological innovation in general and information technology (IT) applications in particular, have had a major effect in banking and finance. Following Garbade and Silber (1978), this research reviews the effects on banking organisations with reference to front office or external changes as described by the nature of product and service offerings. Following Morris (1986) and Quintás (1991), t...

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...

The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. Growing international trading and problems in transferring money have motivated researchers to introduce a new structure. Online banking is the newest delivery channel for retail banking services. Online banking facilitated by various Electron...

Today, businesses need to manage their customer experience to succeed. Therefore, they must first have a clear understanding of the meaning of the customer experience. Customer experience management is a process-focused strategy around the needs of each customer that seeks to find a win-win strategy for both parties. The banking industry that provides financial services to customers requires sp...

As smart phones have become widely adopted, they have brought about changes in individual lifestyles, as well as significant changes in the industry. As the mobile technology of smart phones has become associated with all areas of industry, it is not only accelerating innovation in other industries such as shopping, healthcare service, education, and finance, but is also creating new markets an...