Clients are the vital artery of every industry and business. Maintaining these customers is one of the most important tasks of any business, especially banks.  The  specific needs  of  customers and  the increasing compe- tition in the banking services market have led banks to create structures that can respond flexibly to these needs. Obviously, one of the important points is that moving to th...

Clients are the vital artery of every industry and business. Maintaining these customers is one of the most important tasks of any business, especially banks.  The  specific needs  of  customers and  the increasing compe- tition in the banking services market have led banks to create structures that can respond flexibly to these needs. Obviously, one of the important points is that moving to th...

Electronic services in dynamic environment (e.g. e-government, e-banking, e-commerce, etc.), meet many different barriers reducing their efficient applicability. One of them is the requirement of information security when it is transmitted, transformed, and stored in an electronicservice. It ispossibletoprovide the appropriate level ofsecuritybyapplying the present-day information technology. H...

Monetary economists have long recognized a tension between the bene…ts of fractional reserve banking, such as the ability to undertake more pro…table (long-term) investment opportunities, and the di¢ culties associated with it, such as the risk of insolvency for each bank and the associated losses to bank liability holders. I show that a speci…c banking arrangement (a joint-liability scheme) pr...

∗We thank Michael Hanke and Thomas Stöckl for very helpful comments on earlier versions of this paper. Financial support by the University of Innsbruck and the Austrian National Bank (OeNB-grant 12789) is gratefully acknowledged. †University of Innsbruck, Department of Banking and Finance, Universitätsstrasse 15, 6020 Innsbruck, Austria ‡University of Innsbruck, Department of Banking and Financ...

We propose hPIN/hTAN, a low-cost token-based e-banking protection scheme when the adversary has full control over the user’s computer. Compared with existing hardware-based solutions, hPIN/hTAN depends on neither second trusted channel, nor secure keypad, nor computationally expensive encryption module. Due to the rapid progress of the Internet, e-banking has become more and more popular all ov...

Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used te...

Despite the potential benefits that online banking offers consumers, it has low adoption rate. We systematically review online banking adoption literature to propose two research models of factors affecting pre-adoption and post-adoption of the online banking. To test our proposed models, we applied a two-stage random-effects meta-analytic structural equation modeling method to data collected f...