Abstract: The study is about the e-banking consumer behavior of five major banks in Cambodia. This work aims to examine the relationships among job relevance, trust, mobility, perceived ease of use, perceived usefulness, attitude toward using, and intention to use of internet banking and apps. Also, the research develops and tests a conceptual model of intention to use internet banking by integrating the Technology Acceptance Model (TAM) and job relevance, trust, and mobility which were supported by Theory of Reasoned Action (TRA) and Theory of Planned Behavior (TPB). The proposed model was tested using Structural Equation Modeling (SEM), which was processed by using SPSS and AMOS with a sample size of 250 e-banking users. The results showed that there is a significant positive relationship among variables and attitudes toward using internet banking, and apps are the most factor influencing consumers’ intention to use internet banking and apps with the importance level in SEM 0.82 accounted by 82%. Significantly, all six hypotheses were accepted.
Abstract: The expansion of telecommunication and progress of electronic media constitute important elements of our times. The recent worldwide convergence of information and communication technologies (ICT) and dynamic development of the mass media is leading to noticeable changes in the functioning of contemporary states and societies. Currently, modern technologies play more and more important roles and filter down to almost every field of contemporary human life. It results in the growth of online interactions that can be observed by the inconceivable increase in the number of people with home PCs and Internet access. The proof of it is undoubtedly the emergence and use of concepts such as e-society, e-banking, e-services, e-government, e-government, e-participation and e-democracy. The newly coined word e-democracy evidences that modern technologies have also been widely used in politics. Without any doubt in most countries all actors of political market (politicians, political parties, servants in political/public sector, media) use modern forms of communication with the society. Most of these modern technologies progress the processes of getting and sending information to the citizens, communication with the electorate, and also – which seems to be the biggest advantage – electoral procedures. Thanks to implementation of ICT the interaction between politicians and electorate are improved. The main goal of this text is to analyze electronic voting (e-voting) as one of the important forms of electronic democracy in terms of security aspects. The author of this paper aimed at answering the questions of security of electronic voting as an additional form of participation in elections and referenda.
Abstract: The advanced information technology is becoming an important factor in the development of financial services industry, especially the banking industry. It has introduced new ways of delivering banking to the customer, such as Internet Banking. Banks began to look at electronic banking (e-banking) as a means to replace some of their traditional branch functions using the Internet as a new distribution channel. Some consumers have at least more than one account, and across banks, and access these accounts using e-banking services. To look at the current net worth position, customers have to login to each of their accounts and get the details and work on consolidation. This not only takes ample time but it is a repetitive activity at a specified frequency. To address this point, an account aggregation concept is added as a solution. E-banking account aggregation, as one of the e-banking types, appeared to build a stronger relationship with customers. Account Aggregation Service generally refers to a service that allows customers to manage their bank accounts maintained in different institutions through a common Internet banking operating a platform, with a high concern to security and privacy. This paper presents an overview of an e-banking account aggregation approach as a new service in the e-banking field.
Abstract: With the introduction of cash-less society policy by
the Central Bank of Nigeria, the concept of e-banking services have
over the years’ experience a significant improvement. Today quite a
number of people are embracing e-banking activities especially
ATM, thereby moving away from the conventional banking system.
This paper presents a review of the underlying Architectural Layout
of Intra-Bank and Inter-Bank ATM connectivity in Nigeria. The
paper further investigates and discusses factors affecting the Intra-
Bank and Inter-Bank ATM connectivity in Nigeria. In addition, as
well possible solutions to these factors affecting ATM Connectivity
and Operations are proposed.
Abstract: This paper deals with various questions related to
functionality and providing banking services in the European union
on the Internet. Due to the fact that we live in the information
technologies era, the Internet become a new space for doing
economic and business activities in all areas, and especially important
in banking. Accepting the busy tempo of life, in the past several years
electronic banking has become necessity and a must for most users of
banking services. On a sample of 300 web sites of the banks
operating in European Union (EU) we conduct the research on the
functionality of e-banking services offered through banks web sites
with the key objective to reveal to what extent the information
technologies are used in their business operations. Characteristics of
EU banks websites will be examined and compared to the basic
groups of business activities on the web. Also some
recommendations for the successful bank web sites will be provided.
Abstract: Self-service technologies (SSTs) make an important
contribution to the daily life of people nowadays. However, the
introduction of SST does not lead to its usage. Thereby, this paper
was an attempt on discovery of the most preferred SST in the
customers’ point of view. To fulfill this aim, the Analytical Hierarchy
Process (AHP) was applied based on Saaty’s questionnaire which
was administered to the customers of e-banking services located in
Golestan providence, northern Iran. This study used qualitative
factors in association with the intention of consumers’ usage of SSTs
to rank three SSTs: ATM, mobile banking and internet banking. The
results showed that mobile banking get the highest weight in
consumers’ point of view. This research can be useful both for
managers and service providers and also for customers who intend to
use e-banking.
Abstract: The use of Automated Teller Machine (ATM) has become an important tool among commercial banks, customers of banks have come to depend on and trust the ATM conveniently meet their banking needs. Although the overwhelming advantages of ATM cannot be over-emphasized, its alarming fraud rate has become a bottleneck in it’s full adoption in Nigeria. This study examined the menace of ATM in the society another cost of running ATM services by banks in the country. The researcher developed a prototype of an enhanced Automated Teller Machine Authentication using Short Message Service (SMS) Verification. The developed prototype was tested by Ten (10) respondents who are users of ATM cards in the country and the data collected was analyzed using Statistical Package for Social Science (SPSS). Based on the results of the analysis, it is being envisaged that the developed prototype will go a long way in reducing the alarming rate of ATM fraud in Nigeria.
Abstract: Electronic banking must be secure and easy to use and
many banks heavily advertise an apparent of 100% secure system
which is contestable in many points. In this work, an alternative
approach to the design of e-banking system, through a new solution
for user authentication and security with digital certificate called
LumaCert is introduced. The certificate applies new algorithm for
asymmetric encryption by utilizing two mathematical operators
called Pentors and UltraPentors. The public and private key in this
algorithm represent a quadruple of parameters which are directly
dependent from the above mentioned operators. The strength of the
algorithm resides in the inability to find the respective Pentor and
UltraPentor operator from the mentioned parameters.
Abstract: Cryptography, Image watermarking and E-banking are
filled with apparent oxymora and paradoxes. Random sequences are
used as keys to encrypt information to be used as watermark during
embedding the watermark and also to extract the watermark during
detection. Also, the keys are very much utilized for 24x7x365
banking operations. Therefore a deterministic random sequence is
very much useful for online applications. In order to obtain the same
random sequence, we need to supply the same seed to the generator.
Many researchers have used Deterministic Random Number
Generators (DRNGs) for cryptographic applications and Pseudo
Noise Random sequences (PNs) for watermarking. Even though,
there are some weaknesses in PN due to attacks, the research
community used it mostly in digital watermarking. On the other hand,
DRNGs have not been widely used in online watermarking due to its
computational complexity and non-robustness. Therefore, we have
invented a new design of generating DRNG using Pi-series to make it
useful for online Cryptographic, Digital watermarking and Banking
applications.
Abstract: We demonstrate through a sample application, Ebanking,
that the Web Service Modelling Language Ontology component
can be used as a very powerful object-oriented database design
language with logic capabilities. Its conceptual syntax allows the
definition of class hierarchies, and logic syntax allows the definition
of constraints in the database. Relations, which are available for
modelling relations of three or more concepts, can be connected to
logical expressions, allowing the implicit specification of database
content. Using a reasoning tool, logic queries can also be made
against the database in simulation mode.