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...

Did the unification of commercial and investment banking heighten risk in financial markets due to moral hazard of borrowers? In a simple intertemporal model with moral hazard and uninsured risk, we argue that if financial contracts are properly written, the integration in financial markets could give rise to greater risk sharing arrangement and could eliminate the equity risk premium attribute...

Purpose – Banks are the major suppliers of external funds for companies in China. The purpose of this paper is to examine whether Chinese banks exercise effective monitoring over borrowers in two lending decisions, including loan interest rates and loan renewals. Design/methodology/approach – Using a sample of Chinese public industrial firms from 2000 to 2005, the authors perform multivariate r...

Nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. This technological innovation by E–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. This risks need to be identified and mana...

Social lending is community-based lending. The “family and friends” loans community has been extended and formalized to create a marketplace of borrowers and lenders. In Internetbased Social Lending (IBSL), the company runs a website that connects potential lenders with potential borrowers. By removing the overheads and bulky infrastructure of the banking system, IBSL provides lenders a higher ...