Technology has introduced new ways of delivering banking to the customer, such as ATMs and Internet Banking. Hence, banks have found themselves at the forefront of technology adoption for the past three decades. Banks began to look at e-banking as a means to replace some of their traditional branch functions. e-banking products/services like ATM and electronic funds transfer were a source of di...

Malaysia is one of the first countries in the world to blaze the trail for having a prescriptive legislation of governing the digital signature technology. Whilst the Digital Signature Act 1997 has always been acknowledged as one of the pioneers of a technology-specific legislative approach, the Act nevertheless, has been greatly exposed to numerous critiques, suggesting its inability to secure...

Bank fees often strike fear in the heart of the average banking customer. According to a survey by Bank-rate, a company that reports on banks and banking, customers continue to get smashed with higher fees, ranging from ATM charges to minimum-balance fees. In addition, some customers are even charged a commission fee just to speak to a real live bank teller! In a recent checking account pricing...

During the dot com boom, the Spanish banks felt obliged to go online as they faced the perspective of a more global scenario. The banking sector had traditionally been a sector with significant entry barriers generated through the need to acquire an important number of branches. The arrival of the Internet posed a threat to the sector since banks could now operate on the net without the need to...

Internet Banking is performed in an insecure environment, that is, both the PC and the web browser may have viruses and spyware. Therefore the sensitive data such as client passwords and financial transactions can be eavesdropped and modified. This paper presents two smart card based solutions for Internet Banking. Unlike most of earlier approaches which handles all the sensitive data using the...

Internet users can fail at several hurdles, e.g. issues related to trouble-free and selfexplanatory interaction. Not only users but also organizations are affected adversely by these difficulties. The purpose of this study is to enhance the limited repertoire of methods for quantifying web applications usability, which have remained unchanged for years. It first develops a model explaining the ...