In the context of this paper digital banking refers to online, mobile, and Automated Teller Machine (ATM) banking. Digital banking, particularly online and mobile banking, is growing rapidly in South Africa. This is happening despite heightened security concerns, created in part by the media. The 2008 World Wide Worx and Wits Business School Digital Banking Research found that the level of soph...

As a continually growing financial service of electronic commerce, Internet banking requires the development and implementation of a sound security procedure. The existing literature highlights security as the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Much lite...

It has been identified that financial institutions are one of the major users of Information Technology hence the need to evaluate effective use of the computer security strategies. This study aimed at evaluating the effectiveness of computer and network security strategies employed in Nigerian banks. This study was led by the following objectives; to determine and assess the security strategie...

This paper examines empirically the factors affecting the adoption of internet banking in Tunisia using the Theory of Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). Security and privacy construct were selected as additional factors because of their potent influence on the use of internet banking system. For this purpose, a Structural Equation Modelling (SEM) is employed to exa...

Password managers are critical pieces of software relied upon by users to securely store valuable and sensitive information, from online banking passwords and login credentials to passportand social security numbers. Surprisingly, there has been very little academic research on the security these applications provide. This paper presents the first rigorous analysis of storage formats used by po...

Internet banking is becoming increasingly popular throughout the world due to its convenience and low cost. The security issues surrounding internet banking are always the focus of both banks and customers. Although much emphasis has been laid on advanced security technology and the human factor in security, there is little research that aims to fully understand customer awareness of internet b...

This paper provides a review of the security aspect of mobile banking applications. We employed blog mining as a research method to analyze blog discussion on security of mobile banking applications. Furthermore, we used the workflow technology to simulate real-life scenarios related to attacks on mobile banking applications. Insights are summarized to help banks and consumers mitigate the secu...

Trust has been identified as the key to e-commerce because it is crucial wherever uncertainty and interdependence exist. The strong association between a high level of trust and the banking sector has not yet been fully translated in the electronic world. The aim of this article is to develop and validate a multi-dimensional model of trust for Internet banking. The data are collected through 44...

While most banks in the UAE have adopted the Internet in providing various services, the understanding of the user acceptance of e-banking services remains limited. Prior studies on ebanking acceptance have been mainly conducted in the western countries. Given the different population and culture in the UAE from the western countries, it is necessary to identify the factors that are more releva...

Most studies in usable security research aim at a quantification of persons, who – depending on the subject – fall for phishing, pass on their password, download malicious software and so on. In contrast, little research is done to identify the reasons for such insecure behavior. Within this paper, the result of a laboratory study is presented in which participants were confronted with differen...