Null-Hypothesis 7 H0: Usage of Internet Banking is not independent of the user’s fear of traceability of Lower Ground Floor from our awesome website, All submissions of the EM system will be redirected to, https://www.scholarscentral.org/submissions/internet-banking-commerce.html, Cabell's Directory of Publishing Opportunities in Accounting, Cabell's Directory of Publishing Opportunities in Computer Science and Business Information Systems, Cabell's Directory of Publishing Opportunities in Economics and Finance, Cabell's Directory of Publishing Opportunities in Management, Cabell's Directory of Publishing Opportunities in Marketing, DOAJ, the Directory of Open Access Journals. In this paper we discuss about the technology based opportunities that thieves take advantage and its prevention and how to build future technology based banking services that can limit the frauds. The Journal aims to provide monthly journals which are published after peer review from editorial board members from across the world. ISO4 Abbreviation of Journal of Internet Banking and Commerce This technological advancement has resulted in evolution and innovation of many products, services and business processes. The survey conducted offers empirical data based on which detailed profiles of Internet users ("innovators") and interested-to-adopt shoppers ("early adopters") are developed. This article examines what influence seller support and the third party, as sources for assistance, has on consumers’ usage of SSTs. attitude of the Muslim internet users may bring negative consequences for the overall success of e-commerce environment. An explosion of new technologies has taken place within the retail environment. calculation sheets (spreadsheets), data base, and internet communication). The greatest feature of the Internet is the absence of intermediaries; the manufacturers are able to sell their product relatively easier to buyers via Internet. The networked global marketplace is one of four trends that have significantly affected world trade. The aim of this paper is to discuss the different security measures that are to be considered in Virtual banking system, to share the fundamental concept behind the security technology and to understand the relative advantages and limitations of different approaches. Further, the increasing use of internet technology in electronic transactions raises the issue of the legality of these transactions. DeYoung, Lang, and Nolle (2007) compared 424 internet banks and 5175 non internet banks and concluded that internet banks are more profitable compared with When the security issues are covered, such as the authenticity of the origin and the integrity of the contents (i.e. S2 Special Issue: Recent Research on E-commerce and M-commerce Effectiveness of Social Media Networks as a Strategic Tool for Organizational Marketing Management OMOYZA ICHA BSc … 2. GOT IT. The authors state that clickstream analyses open up the black box and illuminate online banking behaviour. Large multinational corporations operate in a wide variety of countries with a range of risks associated with their size, infrastructures and operational practices. More changes have been seen over the last 30 years then over the last 300 years of banking ⁄money lending. It focuses on the transaction sites of five leading anchor banks, which provide a platform for electronic banking and examines electronic banking performances through a set of 40 questions specifically prepared for this research. 1. Twelve large on-line banks that retained their brand names after the consolidation were studied in terms of the functionality and interactivity of their websites. The application of Internet is divided in to three major activities that are publishing corporate information, conducting electronic commerce and business transformation. We conducted an experiment to investigate how users' perception about online banking is affected by the perceived ease of use of website and the privacy policy provided by the online banking website. Journal of Internet Banking and Commerce. London, United Kingdom Reviewers can download manuscripts and submit their opinions to the editor. Result demonstrability is significant for all categories of non-users except for those with income below AED 7,000. Implications of results were discussed, and future research directions outlined. The ISSN of Journal of Internet Banking and Commerce is 1204-5357 . A clear need exists for an objective and up-to-date literature study of e-business models. Question: Discuss About The Journal Of Internet Banking And Commerce. There is little doubt that the Internet has revolutionized the entire communication system. This study evaluates the service quality of Internet banking in Malaysia. However, the business has had rough times trying to keep up with the rapid development of e-business. Internet Banking and Commerce, International Journal of Business, La Revue du Financier, Finance & Technologies, Banque et marches, Gestion 2000, Banque Magazine, etc. We find that both perceived ease of use and privacy policy have a significant impact on user's adoption of online banking. Data was collected from internet banking users and potential users in the United Arab Emirates and factor analyses and multiple regression analyses were conducted to examine the data. Hence, the E-banking now becomes a virtual banking counter that the individual and corporate customer to carry out the regular activities. This research paper investigates applications of Radio Frequency Technology (RFID) as an application of ubiquitous commerce. In Iran, electronic banking systems provide customers with easy access to banking services. Internet banking services is a new innovation in Nigeria (a developing country); it is therefore a worthwhile topic to study so that the quantity and quality of services in Nigerian banking sector can be enhanced for the future. Even E-banking services more to electronic-based, but, it still strongly support banking activities, therefore communication, transaction and distribution (Peterson, Balasubramanian and Bronnenberg, 1997). This article examines the socio-legal issues surrounding the role of digital signatures as an internet technology for secure e-commerce transactions in Caribbean developing countries. See more journals in Business and Economics. Internet technology has offered many options for online dating. This exploratory study on the rise of multimedia banking highlighted the ‘waves’ of development experienced by the banking industry. At the same time to stay competitive in the market banks have to develop a framework that incorporates latest technological aspects of multimedia banking. Banks have started investing in the internet commerce market, by discovering areas in which they have a role to play and can reap the benefits first. When passwords are used for authentication, the decision made is relatively straight forward, but in network security using biometric authentication the decision is made on a probability. Journal Impact Factor: 3.35. ISSN 1204-5357 (Online) | Journal of Internet banking and commerce. Journal of Internet Banking and Commerce (JIBC) provides framework for conveying various research and academic brilliance in the field of business and management. In this context, the development and adoption of standardisation in informational linkages can become a crucial component in remote and centralised decision-making by providing a mechanism for re-engaging financial service providers in emerging markets in the execution of financial services with limited intermediation from global or regional banks. This paper explores the importance of some prerequisite factors in developing Internet Banking (IB) services. The relative success of internet banking can be gauged by identifying the Having observed the astronomical growth rate and acknowledging the potential banks adapting and often adapting the Internet to suit their functions and roles. The subject was divided into two blended learning groups: 70% traditional delivery in laboratories and 30% online (students’ homework). E-commerce was made possible with the emergence and mainly with the popularization of the Internet, which initially had only use for financial, academic and governmental institutions. Journal of Internet Banking and Commerce's journal/conference profile on Publons, with 69 reviews by several reviewers - working with reviewers, publishers, institutions, and funding agencies to turn peer review into a measurable research output. It provides platform for research in areas of business, marketing, banking, finance, economics and commerce. According to the emergent case of Web services in the Tunisian banking sector, two types of preconditions are investigated: technological preconditions and organizational preconditions. E-banking has to be a delivery channel that replicates and replaces many of the physical functions a bank currently performs. Journal of Internet Banking and Commerce, April 2016, vol. 22, no. It is an online manuscript submission, review and tracking systems. As in similar developing countries, socio-legal issues in the Caribbean Region will include perception, privacy and authentication, trust and confidence, psychology and culture, internet access and cost, and increased security. Further, it was revealed that relative usefulness, perceived risk, computer efficacy and image had a significant impact on continued usage of internet banking for IB Users, while relative usefulness and result demonstrability were the only ones significant for Non-users of internet banking. Journal Of Internet Banking And Commerce 0 Download 12 Pages / 2,810 Words Add in library Click this icon and make it bookmark in your library to refer it later. ATMs, phone banking, Internet banking, and more recently, mobile banking have considerably improved the interaction between user and bank. More and more service providers have begun to use a wide range of technologies that allow consumers to produce and use the services by themselves, without direct contact from the employees of the firm. Consider whether you are able to bridge the gap for multiple currency accounting. In this article, examples are presented that show that clickstream analysis is a suitable research methodology for integrating the Internet in the marketing strategy of a bank or financial institution. On the other hand, the relevant body of research is quite … Furthermore, students' socio-demographic elements were also studied and analyzes in relations with the study. 23, no. The findings indicate that both the adoption intent and the perception of Internet banking users differ markedly from cell phone banking users. An International Standard Serial Number (ISSN) is a unique code of 8 digits. The challenge therefore is how to bridge authentication with PKI, without the need to deploy the expensive and cumbersome-to-manage smartcards, and yet be compliant to the Digital Signature Laws. We focus on Internet and mobile banking and present an overview and evaluation of the techniques that are used in current Iranian systems. These three waves have revolutionised the banking industry. Therefore, the main objective of this study is to explore how to build online trust among Muslim users through an analysis of the essential requirements of e-commerce from the perspective of Islamic law of contract. The initial step being the ATM wave, followed by the PC wave and finally the E-cash wave. It also demonstrates how interoperability based on ICT standards is an essential component of such an arrangement if the risks of operating in a volatile and heterogeneous global financial environment are to be mitigated rather than just displaced or obscured. The effects of age, gender, income, and e-commerce users also explored. Such a pro-active engagement should involve a focused seeking-out of new ways to deliver financing, liquidity management, FX and related services to international multinational firms. From 1990, according to Limeira (2005), a facilitating factor in the use of the Internet for commercial purposes occurred due to the emergence of providers, Computers, once assumed to be infallible, insufficiently automated double-entry with only single-entry records. It is the standardised abbreviation to be used for abstracting, indexing and referencing purposes and meets all criteria of the ISO 4 standard for abbreviating names of scientific journals. 21, no. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. So prevention is basically a cycle of monitor, analyse, detect, act and protect. The author used the data collected from listed companies in Thailand stock market and Pulic’s (1998) Value Added Intellectual Coefficient (VAIC TM) as the measure of intellectual capital and developed multiple regression model to investigate the impact of corporate value creation efficiencyon investors’ capital gain. There is a significant difference between users and non-users on six of the seven factors identified. Authors may submit manuscripts and track their progress through the system, hopefully to publication. Banking institutions are facing competition not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing, such as the capital markets. Most of them focused on SMI/SME, individuals, services organisations including the financial sector. On the other hand, the technology and the business structure follow on form of the value you intend to provide to the customer. We studied online dating website capabilities and the relationship between African-Americans and White college students (n=101) regarding their preferences for receiving a weekly list of potential matches via e-mail, receiving free assistance in enhancing the written portion of their profile, the ability to sort matches by ethnicity or religion, and the ability to sort matches based on similar interests. Business and Management is continuous process which requires production and distribution of … Increasingly ubiquitous and powerful ICTs have enabled the centralisation of many support functions from local operations to the corporate headquarters. The best practice is indicated, together with improvements for the future. African-American men may have unique psychological concerns with regard to online dating. Over the past decade, considerable advances have been made in algorithms for biometrics recognition. In addition, the results also demonstrate students' attitudes and expectations to be the most consistent explanatory factors in predicting their willingness on adopting mobile banking usage in the future. Internet and cell phone are some of the least cost and increasingly popular financial services delivery channels. The development mainly because ofnew marketing strategy especially to create E-Customer RelationshipManagement (E-CRM) and to improve banking activities. Based on a case study, a set of qualitative and quantitative research methods were carried out beside the bank direction, the commercial staff and subscribed customers to IB services. Mediation is an alternative dispute resolution that is popular in theUS. (2011). JIBC December 2009, Vol. instructions how to enable JavaScript in your web browser. Journal of Internet Banking and Commerce, December 2017, vol. The aim of this paper is to explore the drivers and inhibitors of customers's Internet banking adoption in the Sultanate of Oman. The best quartile for this journal is Q4. The green human resources management (Green HRM) developed from companies engaging in practices that are concerned about environmental conservation and maintaining sustainable ecological balance. European legislation facilitates that companies start using electronic invoicing. Business and Management is continuous process which requires production and distribution of goods and services for human requirement. New technology always brought some more fraudulent criminal activities developed around these technologies. This study examines the level of adoption of Internet banking in Nigeria. More importantly, it is changing the face of business and commerce. Journal of Internet Banking and Commerce | Citations: 14 | Read 679 articles with impact on ResearchGate, the professional network for scientists. This study introduces the concept of the Silent CRM (s-CRM) which is an application of RFID to proactively support customer needs. ISSN: 1204-5357. Modern fast-evolving technology is constantly bringing new dimensions to our daily life. (2008). This can be materialized through the banks exploiting the 'secured' Internet channel to carry out larger volume and higher-value transactions with their clients. Transaction logs, audit trails, and other features since have augmented these bookkeeping verification gaps by enabling error discovery and recovery. Ha: Usage of Internet Banking is independent of users perceiving security risk in Internet Banking. To identify factors influencing satisfaction of internet banking customers, data was collected from internet banking users in the United Arab Emirates. To examine the data, a factor analyses and multiple regression analyses were conducted. Financial liberalization and technology revolution have allowed the developments of new and more efficient delivery and processing channels as well as more innovative products and services in banking industry. The empirical research found that firms’ intellectual capital has a significant positive relationship with its investors’ capital gain on shares. Traditional dating approaches typically involve a man initiating contact with a woman. Internet banking (IB) has been one of the most successful (Al-Jabri and Sohail 2012) and profitable (Lee 2009; Yuen et al. The model used is similar to that proposed by Diniz in 1998, with an additional factor on security measures. Journal of Internet Banking and Commerce, August 2015, vol. New business models and a herd of start-up companies emerge every few months, to exploit the new opportunities. To study the sweeping changes brought about by e-initiative measures in the banking sector some banks were chosen, from public sector like SBI ,BOB etc and from private sector like ICICI, HDFC etc. In this paper, we will describe how a strong authentication infrastructure can be leveraged upon to deploy a very dynamic PKI system for digital signatures, without the need for smartcards. The Domain Name System is an important part of the Internet infrastructure and maps symbolic Domain Names to IP addresses. Many studies have been conducted to study Internet usage. The research illustrates that centralised architectures, fragmented Information Systems (IS), organizational rigidity and disregarding user's implication could be factors of slowness (or failure) in implementing IB. In this study, we also investigate the relative importance of perceived ease of use, privacy, and security. The ISO4 abbreviation of Journal of Internet Banking and Commerce is J. Internet Bank. But even a detailed and thoughtful approach to the Web does not guarantee business success. Our preliminary findings indicate that, in Oman, only two banks offer Internet banking services to customers. The Journal of Internet Banking and Commerce is a quarterly Internet publication about current issues in electronic banking and online commerce. Many of them stated that security, customer readiness and cost of initial investment were important considerations when deciding to adopt Internet technologies. Keywords: mature customers, mobile phones, observation, consumer behavior. 21, no. Journal of Internet Banking and Commerce, Jan 2016, Vol. In this paper we propose two architectures, both capable of foiling the DoS attack. s response times, resilience to DoS attacks. In the world of e-business the rapid growth of the market and fierce competition between the increasing numbers of participants add up to new innovations every day leading to short development cycles. In this paper, we highlight some of the questions that organizations must ask when sourcing for 2-factor authentication solutions, and show that with a flexible solution, 2-factor authentication need not be painful nor costly. Learning from the past & charting the future of the discipline. They are increasingly viewing the Internet as a key alternative delivery channel. The aim of the European E-invoice Directive was to introduce some uniform rules regarding VAT throughout the European Union. Recognizing the potential of the Internet to insurance companies, the Central Bank of Malaysia (Bank Negara of Malaysia) has established guidelines that allow insurers to offer their services online. Journal of Internet Banking and Commerce, 13(1) Angelakopoulos, G. & Mihiotis, A. Prior technology experience, personal banking experience, reference group influence, and security concerns are found to be the main factors, and demographic characteristics and overall perceptions about Internet banking were found to have a significant effect on the adoption. These data for African-Americans and whites were stratified by gender, and these results remained significant for men (p<0.05) but not women (p>0.05). 73% of the Saudi banks possess their own web sites and 25% of the web sites are offering full services over Internet. 21, no. Royal Bank, The Pursuit of a New Virtual Strategy, June 24, 1999, Some leading academic ICT-law programmes in the European Union, Multimedia Banking and Technology Acceptance Theories, B2B Marketers Integrate Precision Search to Boost Profitability and Increase Satisfaction Across the eCommerce Value Chain, How Banks Fit in an Internet Commerce Business Activities Model, Internet Activities among Malaysian Insurance Companies, Determinants of Internet and Cell Phone Banking Adoption in South Africa, The Adoption of Internet Banking in Nigeria: An Empirical Investigation, Internet Banking Adoption Factors in Finland, Adoption and Use of Internet Banking in the Sultanate of Oman: An Exploratory Study, The Adoption of Internet Shopping by Electronic Retail Consumers in Greece: Some Preliminary Findings, Factors Affecting The Adoption Of Mobile Banking Services, Internet Banking: An empirical investigation into the extent of adoption by banks and the determinants of customer satisfaction in the United Arab Emirates, Marketing Technologies And Practices Offer Outsourcing Providers (India) The Next Competitive Advantage, Online Shopping: Advantages over the Offline Alternative, Identity Cards and Financial Services: How will the introduction of ID cards affect financial services providers, Socio-Legal Issues Affecting the Use of Digital Signatures for Secure E-commerce Transactions: A Caribbean Perspective, E-Commerce and Internet Dating Websites: Differences in Match Options Between African-Americans and Whites, CELL SAILORS - An educational program aimed at mature customers on how to use mobile services, Alternate Architecture for Domain Name System to foil Distributed Denial of Service Attack, Meditation as Alternative Dispute Resolution in the European ICT Sector, Diffusion of Internet Banking amongst educated consumers in a high income non-OECD country, A Suitable Research Methodology for Analyzing On-line Banking Behavior, Challenges and opportunities of silent commerce - applying Radio Frequency Identification technology, Applying Standardised, Interoperable and Innovative Automated Solutions: Corporate Treasuries and the Development of Globally Connected Financial Services, Electronic Invoicing: More than Just VAT Aspects, Undergraduate Attitudes and Expectations for Mobile Banking, Inventors, Authors and Owners of Intellectual Property, Technological and organizational preconditions to Internet Banking implementation: Case of a Tunisian bank, E-Business Strategy in an Online Banking Services: A Case Study, Implementation of a Secure Internet/Mobile Banking System in Iran, Internet Banking and the Impact of Seller Support and Third Party, E-banking service quality: gaps in the Qatari banking industry, Factors Influence Development of E-Banking in Malaysia, Effective Method of Security Measures in Virtual Banking, The Evolution of Online Investment Banking, Service Quality Evaluation Of Internet Banking In Malaysia, The Impact Of Intellectual Capital On Investors’ Capital Gain On Shares: An Empirical Investigation In Thai Banking, Finance & Insurance Sector, E-Banking in Malaysia: Opportunity and Challenges, A framework for evaluating e-Business models and Productivity Analysis for Banking Sector in India. More and more banks are turning to self-service technologies to provide customers with many channels to access products and services. (2010). Although carefully collected, accuracy cannot be guaranteed. Using the data of a large survey, we develop a cognitive model of the factors which affect the adoption of Internet banking. This paper investigates the online banking acceptance in China. Banks today are aware of both the threat and the opportunity that the Web represents. It is used for the recognition of journals, newspapers, periodicals, and magazines … This study investigates the discrepancy between customer's expectation and perception towards the e-banking services. There are number of challenges need to be faced by Malaysian banks, however, the opportunity in this industry is high due to the current trend especially application and development of ICT. Any organization considering the use of biometrics needs to understand the impact of this when reaching a trust decision. However, there is no specific strategy for exploiting the opportunities offered by Internet. Banks and financial institutions still perceive the Internet as a ‘black box’ in which little insight is provided about individual-level online behaviour. 21, no. The root is a single point of failure in the DNS architecture. Sharing Vision survey in late 2011 showed that internet banking users disliked physical branch banking services pass through again. 16, No.1 - 6 - Null-Hypothesis 6 H0: Usage of Internet Banking is not independent of users perceiving security risk in Internet Banking. Journal of Internet Banking and Commerce Key Factor Analysis ADD TO MY LIST Diffusion of Internet Banking amongst educated consumers in a high income non-OECD country Author(s): Raed Awamleh, | Cedwyn Fernandes Volume: 11 Issue: 3 Year: 2006. The technology is called, One Time Private Key (OTPK). Most of the banks perform extremely well in providing up-to date information. A mathematical model taking into consideration various ranking and weightages to the elements of the metric has been developed to analyse whether investments in e-initiative increased productivity and profitability in the Indian banking system. degree. E-commerce today is no longer technological issue, but is also a business issue. They also want personal attention and highly customized products and services. 2013). It highlights the view that as internet technologies become more affordable in developing countries, the societal changes surrounding digital signatures will be even greater than that of developed countries. Online banking, an Internet based service enabling people to do financial transactions, has been an obstacle for the development of e-commerce in China. Journal of Internet Banking and Commerce (JIBC) provides framework for conveying various research and academic brilliance in the field of business and management. Journal of Internet Banking and Commerce ISSN: 1204--5357 Publisher: ARRAY Development. This paper discusses the security of today’s electronic banking systems in Iran. However, further improvements on security and provision of key ingredients of Internet banking which includes confidentiality, effective communication integrity and availability, should be considered in order to satisfy customer’s requirements.
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