This study aims to determine e-banking usage level among retail banking clients' and to identify the factors that influence the adoption of e-banking in Sudan. A selfadministered questionnaire was developed and distributed to a sample size of 400 clients using convenience-sampling method. Data analysis was then based on 269 valid responses. The study results indicate that the majority of retail...

Habitability refers to the match between the language people employ when using a computer system and the language that the system can accept. In this paper, the concept of &&habitability'' is explored in relation to the design of dialogues for speechbased systems. Two studies investigating the role of habitability in speech systems for banking applications are reported. The "rst study employed ...

There are several factors that have been influencing and creating deep changes in the Portuguese banking sector. Among these, we can highlight technological innovation, the increasing consumer’s technological knowledge, the segmentation of the sector and the liberalization of the distribution systems. This way, it seems logical to accept that the continuous sophistication of the intra and inter...

This study aims to determine e-banking usage level among retail banking clients' and to identify the factors that influence the adoption of e-banking in Sudan. A self-administered questionnaire was developed and distributed to a sample size of 400 clients using convenience-sampling method. Data analysis was then based on 269 valid responses. The study results indicate that the majority of retai...

This paper proposes a HMM-based approach for detecting abnormal situations in some simulated ATM (Automated Teller Machine) scenarios, by using a network of heterogeneous sensors. The applied sensor network comprises of cameras and microphone arrays. The idea is to use such a sensor network in order to detect the normality or abnormality of the scenes in terms of whether a robbery is happening ...

The study investigates the user acceptance of automated teller machine (ATM) and transit applications (Touch ‘n Go) which are embedded in Malaysian multipurpose smart identity card named as MyKad. A research framework was developed based on a well known user acceptance model i.e. Unified Theory of Acceptance and Use of Technology (UTAUT) model. Five hundred questionnaires were randomly distribu...

Security APIs are designed to enable the storage and processing of confidential data without that data becoming known to individuals who are not permitted to obtain it, and are central to the operation of Automated Teller Machines (ATM) networks, Electronic Point of Sale (EPOS) terminals, set-top boxes for subscription-based TV, pre-payment utility meters, and electronic ticketing for an increa...

Air Traffic Management (ATM) in general, and Air Traffic Control (ATC) systems, in particular, are commonly limited by their capacity, as they are intended to balance demand in order to provide the best possible performance to the overall network. In the case of ATM, Air Traffic Controllers (ATCO) workload is identified as one of the main limiting factors to increase overall system capacity and...

Most somatic cells encounter an inevitable destiny, senescence. Little progress has been made in identifying small molecules that extend the finite lifespan of normal human cells. Here we show that the intrinsic 'senescence clock' can be reset in a reversible manner by selective modulation of the ataxia telangiectasia-mutated (ATM) protein and ATM- and Rad3-related (ATR) protein with a small mo...