This paper investigates the impact of the introduction of transactional Internet banking on performance and risk profile of major credit unions in Australia. Performance was measured using linear programming technique of data envelopment analysis and regressed on relevant explanatory variables using censored normal regression. Accounting data were used to measure risk profile and regressed on r...

The US banking industry has gone through a decade of mergers and consolidations where the universal view appears to be that achieving larger scale is the only means for survival among the megabanks of the nation and the world. However, one of the smallest banks in the nation, Security First Network Bank, has shaken up traditional bankers by introducing branchless banking via the internet. The i...

With the rise of Internet banking, phishing has become a major problem in online banking systems. Over time, highly evolved phishing attacks, such as active phishing, have emerged as a serious issue. Thus, we suggest two server authentication schemes based on SSL/TLS to protect Internet banking customers from phishing attacks. The first scheme uses the X.509 client certificate, which includes a...

Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used te...

User Interface is an important component of every computing system. This is particularly true in Internet Banking, where the users are customers, who access the banking services online, from different locations of the world. These customers when dissatisfied with the banking services could take drastic actions, such as spreading service failure related rumours, withdrawal of patronage, and so o...

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...

This study aims to explore whether Jordanian customers’ perceptions on intention and adoption of Mobile banking (MB) services varies according to their demographic characteristics. As per the prior literature, five demographic factors, namely age, gender, income, education and customer’s experience with computer and Internet have been considered in the current study. The required data were coll...

The ability to apply state-of-the-art Internet of Things (IoT) technology to extract customer insights through analytics by shaping the information into consumables for other connected systems is creating a lot of opportunities for banking and financial services. This paper presents an architecture based on Internet of Things for banking and finance sector by managing, mobile, household devices...

I nternet banking is increasingly popular both in Norway and elsewhere. Banks have actively encouraged this cost-saving trend by persuading customers to sign up. Customers, attracted by online banking’s convenience, seem largely unconcerned about identity theft and phishing email scams. In fact, most customers seem to believe that Internet banking is quite safe simply because their banks told t...