Different domains of computing systems require higher level of focus towards specific quality factors like privacy, integrity, flexibility, usability etc. Moreover, certain quality factors help in each other’s existence while others oppose each other significantly. Usability of software applications is one factor that reduces security and privacy up to a substantial level. This paper examines t...

Nowadays, internet technology provides an opportunity for banks and financial institutions to take advantages in dynamic and competitive turbulent environment in their favor. In addition, considering the importance and status of internet banking and growing trend of it in the country in recent years, now banks and financial institutions have found that maintaining status and effective developme...

Cybercriminals are constantly prowling the depths of cyberspace in search of victims to attack. The motives for their attacks vary: some cybercriminals deface government websites to make political statements; others spread malicious software to do large-scale harm; and others still are monetary motivated. In this paper we will concentrate on “cyber fraudsters”. At the time of this writing, a pr...

Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions. More recently, it has been metamorphosed by the Internet; a new look and delivery channel for banking services that benefits both customers and banks. The objective of this paper is to find out the correlation between the anticipated benefits/challenges and encountered benefits/...

Most users find security-informed decisions hard to make while utilizing web sites for social networking, online banking, or shopping. In order to solve security problems, it is critical that we understand how human factors influence users’ trust on web sites and users’ decisions involving computer security related risk. We propose an integrative model of human factors on decisions involving on...

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and p...

The banking industry in Norway has developed a new security infrastructure for conducting commerce on the Internet. The initiative, called BankID, aims to become a national ID infrastructure supporting services such as authentication and digital signatures for the entire Norwegian population. This paper describes a practical man-inthe-middle attack against online banking applications using Bank...

Presently, the chief problem facing Internet banking is the security of online transactions. That’s why, 3-tier security is used to make the transaction more secure. Among the 3-Tier Security layers, Application layer security comes first as it is the topmost layer in OSI model. The visitors always assume about the security and safety of these transactions, and so they are steadily lose their t...

This paper examines how New Zealand banks enhance their retail banking services through the Internet. Seven NZ online banks were studied in terms of their web sites’ effectiveness, functionalities and Internet strategies. The functionality was examined by evaluating banks’ web sites using a tailored electronic commerce model. The effectiveness was surveyed utilising a judgment sample of actual ...

Bank supervision and monetary policy are strategic concepts in the economy of countries. Development of electronic communications, especially in online and international spheres, has largely threatened financial services in view of security and illegal access to banking networks. Anonymity and identity theft has endangered electronic commerce by crimes like phishing, fraud and different types...