While online shopping are becoming more accepted by people in modern life, cardholders are more concerned about card fraud and the lack of cardholder authentication in the current online credit card payment. This paper proposes a purchase protocol with live cardholder authentication for online transaction which combines telephone banking and online banking together. The order information and pa...

primary immunodeficiency disorders are a heterogeneous group of genetic disorders, with different modes of inheritance, consisting of more than 100 different types. we constructed the dna banking of primary immunodeficiency disorders for the first time in iran. the dna of 31 immunodeficient patients and their families (total of 92 samples) were collected, as the first step for construction of d...

Combating with immense competition now a day‟s banks are focusing upon customer satisfaction rather than merely rendering their services in the Indian banking industry. Due to the tough competition in banking sector, paradigm changes are seen in this sector. Various innovations are witnessed in this field, because banking sector is adopting innovative ways to improve their services & to win the...

Empirical studies emphasise that higher financial development (FD) amplifies the output cost of banking crises. However, no study has so far investigated effect FD on another key dimension crises, namely their duration. Using a large sample crises over 1977–2014 period, we find is associated with significant increase in duration (DBC). This result robust to broad range alternative specification...

Recent theoretical developments in the theory of consumer and firm informedness have brought a new perspective to understanding important business problems in IS research. In this research, we adopt the theory of consumer informedness in the context of credit card loyalty programs in the retail banking industry. Leading companies in the airlines, hospitality, retail banking and other industries...

Money in the e-commerce network, represents information moving at the speed of light, where fraud (digital crime) within the banking and financial services happened very fast and can cost billions of dollars each year-undetected and unreported. In this paper I present a comprehensive framework that mines and detect fraudulent transactions of Card-NotPresent (CNP) in the e-payment systems with a...

Two revisions of the original Secure Electronic Transaction (SET) protocol are proposed to conceal cardholders’ identities in the electronic marketplace in which cardholders’ trust for banks can be reduced to a minimum. Constrained by being extensions of the existing card payment networks to the Internet, most on-line credit card payment schemes in use or proposed in recent papers assume the se...

Security is a vital issue in the usage of Automated Teller Machine (ATM) for cash, cashless and many off the counter banking transactions. Weaknesses in the use of ATM machine could not only lead to loss of customer’s data confidentiality and integrity but also breach in the verification of user’s authentication. Several challenges are associated with the use of ATM smart card such as: card clo...

This doctoral thesis studies consumer payment behavior. We examine what characteristics play a role in the choice of instrument. Besides, we intend to influence consumers’ choice by soft interventions. In a final part we investigate what reasons are of crucial importance for internet banking usage. The thesis consists of three parts, each addressing one of these questions. All data were obtaine...