We describe an adaptive chosen-ciphertext attack on a smart card implementation of the RSA decryption algorithm in the presence of side-channel information leakage. We studied the information leakage through power consumption variation. Simple power analysis (SPA) of the smart card that is widely used for secure Internet banking, Web access and remote access to corporate networks, revealed macr...

In the context of this paper digital banking refers to online, mobile, and Automated Teller Machine (ATM) banking. Digital banking, particularly online and mobile banking, is growing rapidly in South Africa. This is happening despite heightened security concerns, created in part by the media. The 2008 World Wide Worx and Wits Business School Digital Banking Research found that the level of soph...

A lot of transactions occur in banking sector due to day to day operations. E-Commerce is widely used in busy life. In E-commerce life, credit card transactions are increasing day by day. This will increase in frauds in credit card. Credit card fraud is a major problem in financial industry. Many technologies have been developed to reduce the fraud in credit card such as data mining fuzzy logic...

We provide the first published estimates of the difficulty of guessing a human-chosen 4-digit PIN. We begin with two large sets of 4-digit sequences chosen outside banking for online passwords and smartphone unlock-codes. We use a regression model to identify a small number of dominant factors influencing user choice. Using this model and a survey of over 1,100 banking customers, we estimate th...

Dibenzo[def,p]chrysene (DBC) is the most carcinogenic polycyclic aromatic hydrocarbon (PAH) examined to date. We investigated the immunotoxicity of DBC, manifested as spleen atrophy, following acute exposure of adult MutaMouse males by oral gavage. Mice were exposed to 0, 2.0, 6.2, or 20.0 mg DBC /kg-bw per day, for 3 days. Genotoxic endpoints (DBC-DNA adducts and lacZ mutant frequency in splee...

With the enhancement in technology e-banking like credit Card, Debit Card, Mobile Banking and Internet Banking is the popular medium to transfer the money from one account to another. E-Banking is gaining popularity day by day, which increases the online transaction with the increase in online shopping, online bill payment like electricity, Insurance Premium and other charges, online recharges ...

Innovations in financial services have created challenges for banks that Information Systems (IS) research can address. My interests involve transaction cost theory, substitution and complementarity theory, and consumer informedness theory to understand consumer behavior and firm performance in the omni-channel world of digital banking. At a high level, my research inquiry asks: How can financi...

With the convergence of wireless data communication and the Internet, more and more Internet services are now being used in the wireless area. Mobile payment protocols are necessary for online transactions. A good payment protocol should balance the requirements of security and convenience. WAP (Wireless Application Protocol) is one of the prevalent wireless technologies being embraced by the b...

This paper investigates the issue of trust mediation in eBanking. The card sorting technique was used to probe factors influencing subjects’ attitudes to alternative e-banking homepage designs. The subjects also provided their trust perceptions for the same sites. These were cross-referenced with constructs generated in the card-sort to investigate the relationship between tangible and intangib...

Conventional credit card transactions are not consistent with Islamic principles, as exemplified by the Islamic banking system and the ‘Murabaha sale’. Thus, if Islamic principles are to be applied to e-commerce, where credit card transactions are the norm, a new and secure electronic payment process is required. In this paper we present a method for secure electronic Murabaha transactions. Aft...