A set of desirable characteristics of a multicarrier spectrumefficient bandwidth-on-demand multiplexer-demultiplexer pair for use in mobile satellite and personal communication systems is identified and described. New characteristics are the use of single VSB channels, design of multiplexer channels based on wavelet packet trees which have specified stopband attenuation, overlap of the multiple...

Berkembangnya teknologi dan informasi, bank di Indonesia mulai mengenal Internet Banking, Mobile SMS yang merupakan bentuk layanan perbankan secara elektronik melalui media internet. Dengan adanya fitur tersebut maupun nasabah sama-sama diuntungkan, dapat menghemat waktu operasionalnya tidak akan membuang tenaga nya hanya untuk antri Teller Costumer Service. Banking melakukan transaksi dimanapu...

This study aims to test empirically whether accounting information systems, system quality and service affect the satisfaction of users mobile banking-based applications for BCA customers. In this primary data is used. The sample customers at Bank who download use Mobile Banking Based Applications using Slovin formula method. There are 100 respondents were studied as research samples. uses quan...

Mobile banking merupakan fasilitas perbankan dengan menggunakan alat komunikasi seluler seperti ponsel. Layanan mobile memberikan kemudahan bagi pelanggan untuk melakukan transaksi cek saldo, transfer antar rekening dan pembayaran tagihan. Penelitian ini bertujuan mengukur seberapa besar pengaruh persepsi penggunaan, manfaat keamanan terhadap minat menggunakan. Variabel yang digunakan dalam pen...

Existing bank-card payment systems, such as EMV, have two serious vulnerabilities: the user does not have a trustworthy interface, and the protocols are vulnerable in a number of ways to man-in-themiddle attacks. Moving to RFID payments may, on the one hand, let bank customers use their mobile phones to make payments, which will go a fair way towards fixing the interface problem; on the other h...

A downlink receiver is proposed for space-time block coded CDMA systems operating in multipath channels. By combining the powerful RAKE receiver concept for a frequency selective channel with space-time decoding, it is shown that the performance of mobile receivers operating in the presence of channel fading can be improved significantly. The proposed receiver consists of a bank of decorrelatin...

As consumer electronic devices with embedded browsers become popular, financial institutions and online merchants set up websites to accommodate visitors using these devices. These devices range from cell phones to gaming consoles, cars, and even refrigerators. Porting a traditional desktop1 browser to a mobile device is more involved than resizing the display. To adapt to the hardware limitati...

Characteristic of every developing nation, Kenya has found itself at crossroads; defining the banking industry with the urge to provide banking services to majority of the unbanked populations. Mobile banking is a banking model that has been adopted by Kenyan Banks to reach out to unbanked populations. This paper is based on a case study conducted in Kenya on selected mobile banking products in...

The aim of this study is to investigate the factors that determine the local people of Sabah (also known as Sabahan) bank customers’ intention to use mobile banking. This study extends the applicability of the Technology Acceptance Model (TAM) to mobile banking and includes “perceived credibility”, “perceived enjoyment” and “perceived selfefficacy”, in addition to “perceived usefulness” and “pe...

Bank Syariah Indonesia merupakan salah satu bank terbesar di BUMN yang operasionalnya menggunakan prinsip syariah islam gabungan dari tiga bank, yakni Mandiri Syariah, BNI dan BRI Syariah. ini memiliki banyak layanan perbankan dapat dimanfaatkan oleh nasabah dalam membantu meningkatkan, memudahkan mengembangkan setiap bisnis ada, dengan banyaknya diakses kapanpun dimanapun memungkinkan pengelol...