Although a regional leader, Internet banking in Saudi Arabia is yet to be fully utilised as a value-adding tool to improve customer relationships and achieve cost advantages. The aim of this study was to identify the factors that encourage customers to adopt online banking in Saudi Arabia. The research constructs were developed based on the technology acceptance model (TAM) and incorporated som...

The Norwegian banking industry has introduced a new security infrastructure for web applications, including Internet banking. The infrastructure, called BankID, has the potential to increase the security of today’s web applications and facilitate new business opportunities. The authors consider BankID from the customers’ point of view, analyze the risk the customers take when using BankID, and ...

This study proposed an integrated data mining and customer behavior scoring model to manage existing mobile banking users in an Iranian bank. This segmentation model was developed to identify groups of customers based on transaction history, recency, frequency, monetary background. It classified mobile banking users into six groups. This study demonstrated that identifying customers by a behavi...

– The Internet era is a period in the information age in which communication and commerce via the Internet became a central focus for businesses, consumers, government, and the media. The Internet era also marks the convergence of the computer and communications industries and their associated services and products. Nowadays, the availability of the Internet make it widely used for everyday lif...

The growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of c...

This paper is a review of existing literature on the topic of user-friendliness in online banking security systems. The research presented herein seeks to promote critical thought on finding the most effective immediate steps online banks can take to better protect their customers, given what is currently understood about how users perceive and interact with online security systems.

Introduction Throughout the last years competition in the banking industry has grown dramatically. Almost daily, headlines in the business press portray the financial services industry under the threat of massive change. The financial services industry is changing fast and very noticable. Old ways of doing business are disappearing rapidly. public it is the fifth biggest bank in Germany conside...

As information technology (IT) becomes more accessible, sustaining any competitive advantage from it becomes challenging. This has caused some critics to dismiss IT as a less valuable resource. We argue that, in addition to being able to generate strategic advantage, IT should also be viewed as a strategic necessity that prevents competitive disadvantage in rapidly changing business environment...

A qualitative survey of user identification mechanisms being applied in online banking environments across the English speaking world is presented. By studying the Internet banking sites of most major banks in 7 countries, the paper reports the variations and calls for standardisation of user credentials in these environments.