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 ...

A large part of information systems (IS) security approaches is technical in nature with less consideration on people and organizational issues. The research presented in this paper adopts a broader perspective and presents an understanding of IS security in terms of a social and organizational perspective. In doing so, it uses the communication of risk messages among the members of IT groups i...

The aim of this paper is to study technology acceptance of internet banking among undergraduate students in Malaysia. Thus, the theoretical framework of the paper is based on modified version of Technology Acceptance Model (TAM). This paper develops a technology acceptance model for internet banking, a conceptual framework to explain the factors influencing undergraduate students' acceptance of...

The banking industry in Norway has developed a new security infrastructure for conducting commerce on the Internet. The initiative, called BankID, aims to become a national ID infrastructure supporting services such as authentication and digital signatures for the entire Norwegian population. This paper describes a man-in-the-middle vulnerability in online banking applications using BankID. An ...

In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online...