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 ...

Internet banking or online banking has revolutionized an integral activity of our modern twenty first century lives – ‘banking’. Internet banking is conducted through a PC, PDA, a hand-held communication gadget or any mobile device offering Internet connectivity but with the development of Hi-Tech asynchronous technologies and secured electronic transaction technologies, however, more banks hav...

Many financial institutes tend to implement a secure authentication mechanism through the utilization of the One-Time-Password (OTP) technique. The use of a hardware security token to generate the required OTP has been widespread. Despite the fact that this method provides a fairly high level of security, many systems have not taken into consideration the need for a secure alternative login met...

The next generation of banking applications won’t be on desktop or mainframes but on the small devices we carry every day. In this project authors have focused on, how biometric mechanism provides the highest security to the mobile payment. Secured e banking on the mobile is the latest issue for all mobile users. The present security issues surround the loss of personal information through the ...

This study is about the revolution of information and communication technology (ICT). It deals with the evolution of banking technology (BT), electronic banking (e-banking) and mobile banking (m-banking) in Sudan. It intends to explore the practice of m-banking in Sudan. The focus is on the availability of adequate infrastructure and on the challenges and risks that face m-banking services in S...

The research investigates both positive and negative factors influencing user acceptance of online banking services (OBS) in Australia. A research framework was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT). One hundred and ninety respondents in Australia participated in a survey on their perceptions toward OBS. Results show that although respondents strongly...

The purpose of this paper was to analyze and compare perceptions of Albanian students vs. students of Montenegro who are using online banking, to provide insight into similarities and differences of their view points and to create important set of information for all subjects active in banking industry. Survey based on six variables and specific questions assigned to each one of those variables...

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...