The impact of social and cultural factors on the adoption of technology still requires much research. To investigate it more fully, we examine the reasons for the adoption and non-adoption of mobile banking in Ghana. Through a survey of 271 people in Ghana, it has been found that social and cultural factors in the form of perceived credibility, facilitating conditions, perceived elitisation and...

This paper empirically explores customers’ trust in Internet banking based on a research model with several constructs such as structural assurance, perceived bank reputation, perceived website quality, and disposition to trust. The results suggest that these constructs significantly influence trusting beliefs and customers’ willingness to use Internet banking, which in turn have a positively i...

Abstract This paper presents an analytical framework that describes the business model of banks. It draws on classical theory banking and literature digital transformation. provides explanation for existing trends and, by extending firm, it illustrates how financial intermediation will be impacted innovative technology applications. further reviews options established banks have to consider in ...

—It is a well-known fact that today a nation's telecommunication networks, critical infrastructure, and information systems are vulnerable to growing number of attacks in cyberspace. Cyber space contains very different problems involving various sets of threats, targets and costs. Cyber security is not only problem of banking, communication or transportation. It also threatens core systems of a...

Mainframes form the backbone of many core business processes in organizations worldwide. However, the total cost of ownership, platform flexibility, and administration and programming skills associated with them have been critical areas of concern in recent times. Banking solely on unsupported legacy systems might not just create reliability and performance issues, it could also lead to more re...

Ð Leading advocates for micro®nance have put forward an enticing ``win-win'' proposition: micro®nance institutions that follow the principles of good banking will also be those that alleviate the most poverty. This vision forms the core of widely-circulated ``best practices,'' but as a general proposition the vision is fully supported neither by logic nor by the available empirical evidence. Re...

Mobile banking is more easily and fast banking today, but its challenges to payments security system. Many organization or financial institutions are now incorporating mobile banking and financial services as a key component of their growth strategy, and use of the mobile phone to conduct banking and financial services tasks continues to rise among early adopters. Large number of security chall...

Internet banking or online banking has revolutionized an integral activity of our modern twenty first century lives – ‘banking’. Internet banking is conducted through a PC, PDA, a hand-held communication gadget or any mobile device offering Internet connectivity but with the development of Hi-Tech asynchronous technologies and secured electronic transaction technologies, however, more banks hav...