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The adoption of online banking is a big challenge as well as an emergent paradigm which is evolving quickly. The study develops a new exploration model that is used to determine significant constructs of the UTAUT theory that influence the adoption of ...

Given its current ubiquity in banking and other services, digital payments should be accessible to all, but neurodiverse populations encounter barriers often understudied in research and practice. A greater understanding of user needs across the ...

An overlooked component of innovative service adoption is consumers' resistance barriers. Mobile banking is no exception, and the present study focuses on several barriers' (i.e., usage, value, risk, tradition, image, time, privacy and trialability ...

Banks today have been increasingly reducing their physical presence and redirecting customers to digital channels, and yet, the consequences of this strategy are not well studied. This research investigates the effects of banks’ branch network changes (...

Banks today have been increasingly reducing their physical presence and redirecting customers to digital channels, and yet, the consequences of this strategy are not well studied. This paper investigates the effects of banks’ branch network changes (i.e., ...

Several studies suggest that consumers have not adopted online banking system to the same degree primarily because of online trust related issues. It is a long-term barrier for realising the potentials of B2C banking innovations. However, current ...

We examine the role personality may play in individuals taking the measures necessary to help keep their personal information from being compromised. This is done by using a previously developed and validated survey instrument and combining it with ...

The mobile phone has undeniably brought a paradigm shift, affecting both lives of the people and the business environment. It has permeated the lives of billions of people around the world; becoming for many an indispensable device. Moreover, adoption ...

Internet banking is a service delivery channel which has the power to offer banking services to the customers anywhere on a 24 × 7 365 days basis. At the same time the cost of offering this service for banks is just one-tenth of that of a branch-based ...

Any discussion on technological adoption and use produces a diverse range views from both academics and practitioners. This has prompted some questions on its nature and understanding in developing countries like Nigeria. Assessing modernist and post-...

The concept of quality and its relationship with performance tend to play a significant role in the context of e-service markets, as e-services quality is becoming even more crucial for businesses to attract, maintain and retain customers in the ...

This paper is intended to inform readers about the development and evaluation of a simplified online banking interface for people with cognitive disabilities; this includes a description of the development process as well as the evaluation of the ...

One problem with most currently used transaction authentication methods is that they depend on the customer's computer for integrity of the information flow between customer and bank. This allows man-in-the-middle attacks to be conducted using malware ...

One of the major issues in banking is "consumer loan". Most of the banks allow customers to apply for a "personal" or "generic" loan online. This procedure requires filling out forms with some "familiar data" and calculating the rates and fees for the ...

Sophisticated online banking fraud reflects the integrative abuse of resources in social, cyber and physical worlds. Its detection is a typical use case of the broad-based Wisdom Web of Things (W2T) methodology. However, there is very limited ...

In this study, we report the findings of a comparative usability evaluation of a tag-based interface and the present conventional interface in the Australian banking context. The tag-based interface is based on user-assigned tags to banking resources ...

Current online banking scheme built on ordinary software stack, which comprises of the operating system and its applications running on it, is facing attacks including Phishing, Pharming, Malicious Software Attacks (MSW), Man in the Middle Attacks (MITM)...

Website customization is important to better fulfill the needs and wants of individual customers. Tags assigned to web resources are suitable to facilitate website customization.

This research in progress paper adapts a theoretical framework from Internet Banking domain and test it in a new domain, conducts empirical study to test the theoretical framework in the US, and identifies common mobile banking features in low-income ...

Many firms have introduced Internet-based customer self-service applications such as online payments or brokerage services. Despite high initial sign-up rates, not all customers actually shift their dealings online. We investigate whether the multistage ...

The BTA protocol for biometric authentication of online banking transactions is extended to allow for multiple person authenticated transactions. In addition a formal specification is given, the protocol is modelled in the applied pi calculus and the ...