This paper examines the use of Internet banking systems and several critical factors related to Internet banking services. The analysis suggests that the constructs tested considerably explain the variation in customer interactions. Perceived usefulness and perceived ease of use are important in facilitating customer interactions. Perceived security, responsiveness and convenience also represen...

The Norwegian company Encap has developed protocols enabling individuals to use their mobile phones as one-time password (OTP) generators. An initial analysis of the protocols reveals minor security flaws. System-level testing of an online bank utilizing Encap’s solution then shows that several attacks allow a malicious individual to turn his own mobile phone into an OTP generator for another i...

Passwords are the linchpin in the security of an increasing number of online services – services that range from social networking to business communication to banking. Given their importance, it is unfortunate that passwords are relatively easily stolen using a number of different types of attack. We introduce HyperPass: an approach and proof-of-concept system that aims to prevent some of thes...

The Norwegian company Encap has developed protocols enabling individuals to use their mobile phones as one-time password (OTP) generators. An initial analysis of the protocols reveals minor security flaws. System-level testing of an online bank utilizing Encap’s solution then shows that several attacks allow a malicious individual to turn his own mobile phone into an OTP generator for another i...

The financial industry can nowadays be viewed as a battlefield where the players are keenly planning new ways to achieve competitive advantage. Besides increasing competition and change, the current trend in private banking has been the consumer movement from traditional branch banking to stand-alone, online banking. This paper examines the uptake of online banking by the use of a survey (1167 ...

Pakistan banking sector has gone through tremendous technological changes and launched Online banking Information System (OBIS). However, the literature reports that users are uncertain and indecisive to accept and use the system. Therefore, it generates interest for further research to explore the factors behind users’ reluctance to accept and use OBIS. The literature suggests that there is li...

The importance of service delivery technology and online service adoption and usage in the banking industry has received an increased discussion in the literature in recent years. Owing to the fact that Strong online banking services are important drivers for bank performance and customer service delivery; several studies have been carried out on online banking service adoption or acceptance wh...

In today’s highly competitive business environment, online business-to-business (B2B) banking services offer efficient, reliable, securable, and convenient financial services for customers. However, research has paid scant attention to quantifying the value of online B2B banking and identifying the factors that drive it from the employees’ perspective. Hence, this study explores value creation ...

Launching in Romania the banking products and services with long-distance access was based on image motives for the Romanian banks, domestic institutions or foreign banks branches. In this way, banks wanted to be innovative and they didn’t address necessarily to their clients’ needs. Once the long-distance payment instruments diversified and once the clients became aware of the benefits of such...

Personalized security in E-banking is an important issue for many individuals and companies that are looking for achieving the proper level of security. The cloud environment is a suitable infrastructure to implement personalized security mechanisms for many big companies such as banks. Employing mandatory access controls boosts the security of E-banking to a high level. Flask architecture is t...