Online banking is the newest and least understood delivery channel for retail banking services. Yet, few, if any, studies were reported quantifying the issues relevant to this cutting-edge technology. This paper reports the results of a quantitative study of the perceptions of banks’ executive and IT managers and potential customers with regard to the drivers, development challenges, and expect...

The increase in computer crime has led to scepticism about the move made by the banks to introduce on-line banking. Some view this as a noble move which has made the banking system more efficient, reliable and secure, while others view it as a risky and insecure way of banking. The aim of this study was to assess whether on-line banking in the developing countries is secure or not. The research...

While more and more sectors of the economy are linked by electronic information and communication technologies, one domain is often neglected: non-commercial clients, i.e. private households. As consumers, they play an important role within the market and they should be integrated into the electronic data exchange chain. This article focusses on the importance of homebanking as an example for e...

This paper will present the reasons for success of e-banking (including actual results) in Croatia both among the individuals and companies. The main reason is that up to early 2002 all companies' payments were done through a centralized system. Only then banks started to do payment services for companies which were faced with a rather easy choice – continue using paper payment orders and recei...

Numerous information technology (IT)-based innovations from automated teller machines to electronic banking have already changed the customer-bank-interaction. Banks learned that these innovations require close integration with the existing channels, processes and systems in the front as well as in the backend. In view of a still dynamic pace of technological evolution, this research provides a...

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There are several approaches to elicit, analyze and specify security requirements ranging from formal mathematical models for proof of certain security properties to informal methods which are easily understood. Applicability of formal security models is limited since they are complex and it is time consuming to develop. On the other hand, informal security requirements analysis methods are not...

In this paper, the authors compare the usability of SMS mobile banking and automated IVR telephone banking. Participants (N = 116) used SMS banking and IVR banking to find their account balance in a repeated-measures experiment. IVR banking scored higher for usability metrics: effectiveness, attitude, and quality. There was no clear difference in rank order of preference between the two channel...