The security risks of Internet banking have always been a concern to the service providers and users. There has been a global trend to adopt a multi-factor authentication scheme to increase the security of Internet banking. However, the introduction of two-factor authentication has not been well received. Particularly, there has been a conception that it creates barriers to Internet banking use...

Internet banking or online banking has revolutionized an integral activity of our modern twenty first century lives – ‘banking’. Internet banking is conducted through a PC, PDA, a hand-held communication gadget or any mobile device offering Internet connectivity but with the development of Hi-Tech asynchronous technologies and secured electronic transaction technologies, however, more banks hav...

The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian...

in spite of the much investment on using it in banking and in spite of users’ easy access, reports show that some people do not use it. this problem shows the need to explore factors which determine the acceptance of internet banking system by users. the purpose of this study is to establish the relationship between perceived security and trust in internet banking from the viewpoint of female c...

Financial sector plays an important role in the economic development of a country. Banking is the lifeline of an economy. A strong and healthy banking system is important requirement for economic growth. Indian banking industry, today is observing an IT revolution. The implementation of internet in banking organizations has modernized the banks. Implementing the internet banking approach has be...

In recent years, Internet banking has made dramatic progress across the world. In this paper, the nature and business rationale of Internet banking are briefly reviewed and analysed. Then a multiple regression model is proposed to study the relationship between electric connectivity (PC, Internet and Mobile) and customers’ adoption of Internet banking. Empirical results are obtained and analyse...

Electronic banking is an activity that is not new to the banks or its customers in India. Banks have been providing their services to customers electronically for years through software programs. These software programs allowed users personal computer to dial up the bank directly. In the past, however, banks have been very reluctant to provide their customers with banking via the Internet due t...

As a continually growing financial service of electronic commerce, Internet banking requires the development and implementation of a sound security procedure. The existing literature highlights security as the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Much lite...

The development of online banking technology revolution in recent years, and speed of this development is extremely rapid. Online banking technology also spreads widely and influences deeply not only economic activities of business, households and governments but also various areas of people’s daily life. With the liberalization and internalization of financial markets, in terms of the entrance...