During the pandemic, many countries adopted physical & social distancing policies, lockdowns, or territorial quarantine. Therefore use of electronic banking services has increased sharply, including in developing such as Indonesia. Electronic that are popularly used by customers form internet and mobile banking. This study aimed to analyze; 1) impact core online service quality (E-S-QUAL) o...

E-banking has become a new way of doing business and an important alternative for many banks and their customers. The acceptance of e-banking is affected by several factors, including the personal attitude of the users that influences normality and the context in which it is used. This study examines 150 customers of four major banks in Brunei Darussalam to explore the behavioral intent of the ...

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (Olatokun & Igbinedion 2009; Alaba, 2011), and is still being i...

We propose hPIN/hTAN, a low-cost token-based e-banking protection scheme when the adversary has full control over the user’s computer. Compared with existing hardware-based solutions, hPIN/hTAN depends on neither second trusted channel, nor secure keypad, nor computationally expensive encryption module. Due to the rapid progress of the Internet, e-banking has become more and more popular all ov...

The Covid-19 pandemic has had a direct or indirect impact on banking. This study aims to investigate the conditions and perceptions of banking industry in dealing with credit restructuring policies Indonesia. is result survey 35 Perbanas member banks representing all bank groups based their core capital. results descriptive analysis found that was quite strong, responded well shocks occurred, s...

The study focuses on the Innovative services provided by the banks as mobile banking, phone banking, card banking, internet banking and inter-branch banking. The study analyse the satisfaction level, usage period and user rate of account holders while using these innovative banking services. The study also focus on the inter relationship between the groups and with in the groups. The broad obje...