The invention of mobile phones makes the human life easier. The purpose of this study is to identify security risks in mobile banking and to provide an authentication method for mobile banking transaction by using bio-metric mechanism. Current mobile banking authentication is challenging and identified as a major security risk. Literature review shows that customer distrusts mobile banking due ...

Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world. In the leading e-banking countries the number of ebanking contracts has exceeded 50 percent. This study investigates into online banking acceptance in the light of the ...

Branchless banking is making transaction without visiting a formal banking system. It includes; internet, SMS banking, mobile banking, ATM’s, POS and EFTPOS. Mobile banking has become the future of formal banking system. Hawala is an informal, traditional system for financial transactions in which no money actually enters in bank; all transactions are based on trust among the parties. In Pakist...

Human behavior in banking and financial systems is in part made up of a complex mix of political, social and cultural factors. These factors are reflected in expert opinion based political risk scores. Market inefficiency is largely a result of anomalies in human behavior causing information asymmetries. A basic systemic market model is re-specified into a model for international banking system...

The purpose of this paper is to determine those factors that influence the adoption of internet banking services in Tunisia. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of internet banking. A total of 253 respondents in Tunisia were sampled for responding: 95 were internet bank users, 158 were internet bank non users. Factor analyses ...

The tremendous advances and the aggressive infusion of information technology had brought in a paradigm shift in banking operations. With the rapid proliferation of Internet Technology banking sector now takes a different approaches often termed as E-banking. The adoption of Ebanking becomes a necessity for the banking which wishes to maintain its share of market and retain its customers. In on...

This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital stat...

Customers’ Loyalty is important to internet banking. Customers’ Loyalty is not only involved in the survival of internet banking,but also the revenue of intenet banking.This paper studies the factors influencing personal internet banking customers’ loyalty. The model of loyalty of internet banking is constructed on the basis of theoretical research and china’s reality. And the model is tested b...

At first sight the Internet imposes the ideal medium for carrying out banking activities, due to its cost savings potentials and speed of information transmission. From a technological and cost-driven standpoint it may seem quite logical for banks to shift as many banking activities online as possible. At the same time, the question of how to retain customers' loyalty arises when the relationsh...

This research project investigated the subject of Internet banking activities for a major credit union in California. Community banks have not been the research focus for Internet banking. While large scale banks concentrate on applying information technology to improve their customization, smaller banks have to rely on their mobility, personal touch, and marketing techniques for individual cus...