This research investigates a broad range of possible factors affecting the adoption of new technology in the banking industry using adaptive LASSO and a standard logit model.The research integrated the adoption of the...This research investigates a broad range of possible factors affecting the adoption of new technology in the banking industry using adaptive LASSO and a standard logit model.The research integrated the adoption of the innovation framework and the technology acceptance theory to develop a conceptual framework for the analysis.Primary data was collected from 400 bank customers in North Cyprus.Risk perception and other customerspecific factors such as perceived risk index and negative attitude toward new technologies index were formulated for the proposed conceptual model.The findings indicated that individuals with a negative attitude toward new technology are least likely to adopt internet banking.In addition,the logit model suggested that age,education level,and general(innate)innovativeness significantly impact the adoption of internet banking.However,gender,income,occupation,perceived risk,familiarity with the internet,and social inclusion have no significant impact on internet banking adoption in North Cyprus.展开更多
With the entry to WTO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. B...With the entry to WTO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks' perceived increase in Internet banking investment has no difference between big banks and small banks.展开更多
As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-ban...As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-banking practices. The usage rate of e-banking in a top international commercial bank in Malaysia is rather diminutive compare to its other bases in countries like Singapore, China and India. Interestingly, it is on decreasing mode year by year. This study aimed to offer a good set of information of the factors influencing low usage and possibilities to suggest ways to increase the usage among the bank customers. In this study, a comprehensive survey data gathering were used to collect and analyze the respondents and results indicate that ease of use is the most significant contributor to the low usage. 204 valid feedbacks were obtained from the SCM bank＇s customers, with the research indicating that e-banking still has a gap to fill between customers, the bank and the e-system in maximizing the desire of existing clients to go over the net.展开更多
With the growth of the scale of the market for Internet banking and e-commerce,the number of Internet-based financial markets has been increasing.Meanwhile,hacking incidents continuously affect Internet-banking servic...With the growth of the scale of the market for Internet banking and e-commerce,the number of Internet-based financial markets has been increasing.Meanwhile,hacking incidents continuously affect Internet-banking services.For this reason,a countermeasure is required to improve the security of the online identification process.The current security and authentication mechanisms applied to financial services,such as Internet banking services for 5G-enabled IoT,do not ensure security.In this paper,a transaction-linkage technique with which the designated terminal is combined is proposed to solve this fundamental problem.The technique improves the security of online identification mechanisms because it is possible to counteract all of the existing security threats.The proposed technique supports mutual authentication and is safe from eavesdropping attacks,replay attacks,spoofing attacks,and service-denial attacks.Moreover,the technique supports non-repudiation by storing the transaction history in a transaction-linkage device.We believe that the security of Internet-banking services for 5G-enabled IoT will be increased through the utilization of the proposed technique.展开更多
The science of technology keeps growing and evolving, through which people try to used both their lifestyle relative services and products to facilitate the fulfillment of needs and desires of consumers. For this reas...The science of technology keeps growing and evolving, through which people try to used both their lifestyle relative services and products to facilitate the fulfillment of needs and desires of consumers. For this reason, the following research has been written, which studies the electronic business＇s advantages and position on the precise definition in the Greek industry. Finally, econometric regression models are analyzed; those are specific to the field of e-banking in Greece. People in this country are frustrated due to the criminal cases, especially elder. That can be the reason they have to use internet. How do they feel of being part of this new model, do they have to be afraid of being robbed？ This paper presents a new way to do business such as start-ups and spins-offs, moreover introduces some of them, most recognized, that take place in Greece. It explains the necessary process in order to use those programs. The opportunities for innovative applications from young people will be held and conclusions are regarding to consumer behavior towards these services. Everything has to be measured--age, income, sex, even, and the occupation. Demographic variables are those which define the most decisive results that identify the consumer behavior.展开更多
文摘This research investigates a broad range of possible factors affecting the adoption of new technology in the banking industry using adaptive LASSO and a standard logit model.The research integrated the adoption of the innovation framework and the technology acceptance theory to develop a conceptual framework for the analysis.Primary data was collected from 400 bank customers in North Cyprus.Risk perception and other customerspecific factors such as perceived risk index and negative attitude toward new technologies index were formulated for the proposed conceptual model.The findings indicated that individuals with a negative attitude toward new technology are least likely to adopt internet banking.In addition,the logit model suggested that age,education level,and general(innate)innovativeness significantly impact the adoption of internet banking.However,gender,income,occupation,perceived risk,familiarity with the internet,and social inclusion have no significant impact on internet banking adoption in North Cyprus.
基金This work was supported by National Natural Science Fund of China (70102007/G0202)
文摘With the entry to WTO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks' perceived increase in Internet banking investment has no difference between big banks and small banks.
文摘As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-banking practices. The usage rate of e-banking in a top international commercial bank in Malaysia is rather diminutive compare to its other bases in countries like Singapore, China and India. Interestingly, it is on decreasing mode year by year. This study aimed to offer a good set of information of the factors influencing low usage and possibilities to suggest ways to increase the usage among the bank customers. In this study, a comprehensive survey data gathering were used to collect and analyze the respondents and results indicate that ease of use is the most significant contributor to the low usage. 204 valid feedbacks were obtained from the SCM bank＇s customers, with the research indicating that e-banking still has a gap to fill between customers, the bank and the e-system in maximizing the desire of existing clients to go over the net.
基金This work was partially supported by the National Research Foundation of Korea(NRF)grant funded by the Korean government(MSIT)(No.2018R1A4A1025632)the Soonchunhyang University Research Fund.
文摘With the growth of the scale of the market for Internet banking and e-commerce,the number of Internet-based financial markets has been increasing.Meanwhile,hacking incidents continuously affect Internet-banking services.For this reason,a countermeasure is required to improve the security of the online identification process.The current security and authentication mechanisms applied to financial services,such as Internet banking services for 5G-enabled IoT,do not ensure security.In this paper,a transaction-linkage technique with which the designated terminal is combined is proposed to solve this fundamental problem.The technique improves the security of online identification mechanisms because it is possible to counteract all of the existing security threats.The proposed technique supports mutual authentication and is safe from eavesdropping attacks,replay attacks,spoofing attacks,and service-denial attacks.Moreover,the technique supports non-repudiation by storing the transaction history in a transaction-linkage device.We believe that the security of Internet-banking services for 5G-enabled IoT will be increased through the utilization of the proposed technique.
文摘The science of technology keeps growing and evolving, through which people try to used both their lifestyle relative services and products to facilitate the fulfillment of needs and desires of consumers. For this reason, the following research has been written, which studies the electronic business＇s advantages and position on the precise definition in the Greek industry. Finally, econometric regression models are analyzed; those are specific to the field of e-banking in Greece. People in this country are frustrated due to the criminal cases, especially elder. That can be the reason they have to use internet. How do they feel of being part of this new model, do they have to be afraid of being robbed？ This paper presents a new way to do business such as start-ups and spins-offs, moreover introduces some of them, most recognized, that take place in Greece. It explains the necessary process in order to use those programs. The opportunities for innovative applications from young people will be held and conclusions are regarding to consumer behavior towards these services. Everything has to be measured--age, income, sex, even, and the occupation. Demographic variables are those which define the most decisive results that identify the consumer behavior.
