The main incentive for the use of electronic commerce (E-commerce) and spread on a large scale is that most of business activities need payment system. As E-commerce requires an efficient payment system which is stable and secure for supporting electronically commerce. This paper proposed to enforce SET, SSL protocols for encrypting e-payment information. It also presented several methods to ta...

We show that a competitive banking system is inconsistent with an optimum quantity of private money. Because bankers cannot commit to their promises and the composition of their assets is not publicly observable, a positive franchise value is required to induce the full convertibility of bank liabilities. Under perfect competition, a positive franchise value can be obtained only if the return o...

This paper presents multifactor authentication method for securing access to e-banking systems in Nigeria using fingerprint recognition and SiteKey authentication. Fingerprint authentication is based on the notion of fingerprint individuality; the idea that fingerprint image of an individual is unique and can be used to uniquely identify him/her. SiteKey authentication on the other hand, uses a...

E-banking has a lot of benefits that add value to customer’s satisfaction in term of better service quality, and at the same time enable banks to gain a competitive advantage over other competitors. However, more attention towards e-banking security is required and needed against fraudulent behavior because the lack of control over security makes e-banking still un-trusted for many till today. ...

highly competitive, dynamic and complex environment of banking industry and increasing growth of customers’ demand has led to lots of changes in this industry. therefore, e-loyalty has changed to a considerable subject in e-business environment to preserve customers. this study is conducted in order to identify and study the factors affecting e-loyalty of e-banking services’ users. the methodol...

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...

Financial liberalization and technology revolution have allowed the developments of new and more efficient delivery and processing channels as well as more innovative products and services in banking industry. Banking institutions are facing competition not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing. Another strategic ch...

Electronic commerce (e-commerce) continues to have a profound impact on the global business environment, but technologies and applications also have begun to focus more on mobile computing, the wireless Web, and mobile commerce. Against this backdrop, mobile banking (m-banking) has emerged as an important distribution channel, with considerable research devoted to its adoption. However, this re...

E-service quality plays a significant role to achieve success or failure in any organization, offering services online. It will increase the competition among the organizations, to attract the customers on the basis of the quality of service provided by the organization. Better e-service quality will enhance the relationship with customers and their satisfaction. So the measurement of eservice ...

Rising cyber-crimes have heightened existing concerns about e-banking security. However currently the use of biometric technology in the banking sector is not prevalent. We developed a biometric system