11This paper investigates the predicators of retail banking customers’ attitude towards the adoption of Internet banking services in South Africa. This study extended the Technology Acceptance Model (TAM) by including trust, subjective norm and demographic variables, and presents an empirical validation in South Africa. The results suggest that perceived usefulness, perceived ease of use and tr...

Electronic banking (e-banking) has emerged the most popular way for retail banks to provide financial services to private households. Stock trading transformed into e-trading as retail banks created comprehensive web portals for customers to perform financial transactions. Low search costs have sparked fierce price competition. For companies to sustain profitability and retain customers, servic...

Service quality is a competitive weapon in the banking industry. As competition becomes more concentrated and environmental factors become more argumentative, the concern for service quality grows. Retention of customer is the ultimate successful performance of any banking sector. To develop reputation and gain customer loyalty, a study of the performance of the banks is done to see if the perc...

Although Service-orientation is based on known concepts like autonomy and loose coupling of software components, the standardization of Web Service technologies has led to a rising adaptation of serviceorientation in the research community as well as in the software industry over the past years. While Service-oriented architectures (SOA) are widely accepted as a new enterprise systems architect...

classifying customers using data mining algorithms, enables banks to keep old customers loyality while attracting new ones. using decision tree as a data mining technique, we can optimize customer classification provided that the appropriate decision tree is selected. in this article we have presented an appropriate model to classify customers who use internet banking service. the model is deve...

Adoption of mobile technology as an alternate distribution channel in delivering the banking services to customer’s shows prospective in the newly developed banking model all over world. Mobile banking is a new radical innovation in the excellence of service delivery to banks. Banks are mining this technology to empower the society containing both banked and un-banked customers as well as bring...

This paper offers an evaluation of e-government in Estonia, which is usually seen as the most outstanding exemplar in Central and Eastern Europe. The analysis incorporates both the public sector initiatives and developments in the private sector in contributing to the evolution of e-government. Private sector agents are seen as endogenous, not exogenous, in explaining the e-government performan...

One of the most significant factors to the survival of many service-based firms such as banks and insurance companies is customers’ continuous use of their IT services. The focus of this paper is on replicating IS Continuance Model (Bhattacherjee, 2001) in the mobile banking context. We collected data by surveying 256 college students who were users of mobile banking applications of multiple ba...

Distributed Denial of Service (DDoS) attack imposes a severe threat to the extensively used Internet based services like e-commerce, e-banking, transportation, medicine, education etc. Hackers compromises the vulnerable systems for launching DDoS attacks in order to degrade or sometimes completely disrupt such services. In recent years, DDoS attacks have been increased in frequency, sophisticat...