scholarly journals Um estudo da experiência dos usuários de Internet banking de um banco público brasileiro

2018 ◽  
Author(s):  
Thiago Hellen Oliveira da Silva ◽  
Jeferson Da Silva Juliani ◽  
Marília Soares Mendes ◽  
Carlos Rosemberg Maia de Carvalho
Keyword(s):  
User Experience ◽  
Usability Testing ◽  
Internet Banking ◽  
Log Analysis ◽  
The Internet ◽  
Generic Model ◽  
Banking Systems ◽  
Essential Services ◽  
Financial Transactions ◽  
Access Log Analysis

Banking systems have been a frequent concern between customers and companies, since the number of financial transactions carried out by the Internet has increased considerably. This study investigated the experience of internet banking users of a Brazilian bank. Techniques such as interviews, access log analysis, user journeys and usability testing were applied to identify the elements of the user experience using a generic model. From the studies carried out, it was verified that the characteristic users of the service had difficulty or are unable to use all the essential services of internet banking and are necessary design improvements of current interface.

scholarly journals Statistical analysis of city and the villages Internet users based on user logs

2018 ◽  
Vol 176 ◽  
pp. 03011
Author(s):  
ZHANG Yi-wen ◽  
BAI Yan-qi ◽  
YANG An-ju
Keyword(s):  
Statistical Analysis ◽  
User Behavior ◽  
Internet Access ◽  
Internet User ◽  
Log Analysis ◽  
The Internet ◽  
Internet Users ◽  
Internet User Behavior ◽  
Access Log Analysis

In recent years, with the rapid increase of users active on the Internet, Internet users access log is also increasing rapidly. According to the user's Internet access log analysis of the characteristics of user behavior on the Internet. In this paper, we classify the statistical analysis of the behavior of Internet users by collecting information and data on urban and rural Internet user behavior. This result may provide a basis for guiding the behavior of Internet software manufacturers or government.

scholarly journals Development of One-Time Password (OTP) for ATM/POS : A Review of Related Works

2020 ◽  
Vol 26 ◽  
pp. 55-60
Author(s):  
S. Jurgene ◽  
◽  
O.B. Longe
Keyword(s):  
Research Abstract ◽  
Internet Banking ◽  
Online Banking ◽  
The Internet ◽  
Payment Cards ◽  
One Time Password ◽  
Financial Transactions

This study is aimed at designing a One-Time Password (OTP) for ATM/POS. The emergence of the Internet Banking leads to the Introduction of Plastic payment cards that provide a suitable and secure medium which people conduct a variety of financial transactions. But with this exciting innovation, it has also led to crime opportunities called “PLASTIC FRAUDS”. Notwithstanding, this crime must be controlled and that is why the banks must adopt a preventive and proactive method to fight the crimes. This calls for a One-Time Password (OTP) for ATM/POS. In this paper, we reviuewed Related Literaure and set the agenda for the research. Abstract- One-Time Password (OTP), ATM/POS, Security, Online Banking, Protection

Barriers to Internet banking adoption: a qualitative study among corporate customers in Thailand

2003 ◽  
Vol 21 (6/7) ◽  
pp. 312-323 ◽  
Author(s):  
Siriluck Rotchanakitumnuai ◽  
Mark Speece
Keyword(s):  
Qualitative Study ◽  
Qualitative Interviews ◽  
Internet Banking ◽  
The Internet ◽  
Major Barrier ◽  
Self Service ◽  
Self Service Technology ◽  
Financial Transactions ◽  
Corporate Customers

Many Thai banks are currently implementing Internet banking. Banks that offer service via this channel claim that it reduces costs and makes them more competitive. However, many corporate customers are not highly enthusiastic about Internet banking. An understanding of why corporate customers do not accept Internet banking can assist banks to implement this self‐service technology more efficiently. In‐depth qualitative interviews with Thai firms suggest that security of the Internet is a major factor inhibiting wider adoption. Those already using Internet banking seem to have more confidence that the system is reliable, whereas non‐users are much more service conscious, and do not trust financial transactions made via Internet channels. Non‐Internet banking users tend to have more negative management attitudes toward adoption and are more likely to claim lack of resources. Legal support is also a major barrier to Internet banking adoption for corporate customers.

scholarly journals User Experience with Security Elements in Internet and Mobile Banking

Organizacija ◽  
2016 ◽  
Vol 49 (4) ◽  
pp. 251-260 ◽  
Author(s):  
Aleksandra Svilar ◽  
Jože Zupančič
Keyword(s):  
Statistical Methods ◽  
User Experience ◽  
Online Survey ◽  
Internet Banking ◽  
Current Situation ◽  
Online Banking ◽  
The Internet ◽  
Mobile Banking ◽  
Banking Services

Abstract Background/Purpose: Maintaining a balance between security and a positive user experience in mobile and Internet banking is becoming increasingly difficult for the providers of banking services. The goal of our research is to analyse user opinions about the current situation: how users perceive security and how the authentication methods they are using affect user experience. Methodology: Data were collected using an online survey among the users of 15 banks operating in Slovenia, and statistical methods were applied to analyse them. Results of the users’ study were evaluated and commented by a limited number of interviewed banking security experts. Results: The results indicate that the use of mobile banking in Slovenia is relatively low, as only 30 percent of respondents use mobile banking along with Internet banking. Slovenian users perceive security to be the most important factor in mobile and online banking, closely followed by reliability. We also verified whether the users knew which authentication methods they were using: 69% of respondents selected the correct authentication method. The opinion of 88% of respondents was that authentication methods do not limit them when using mobile and Internet banking. Results of the study of user’s opinions did not surprise the experts, although experts’ views about the balance between security and usability diverged considerably. Conclusion: Our results indicate that, in Slovenia, users of the Internet and mobile banking services regard security to be the most important element in mobile or Internet banking and find user experience less important while they absolutely do want products that are easy to use.

scholarly journals Modern Forms of Bank Service in Albania

2016 ◽  
Vol 1 (1) ◽  
pp. 15
Author(s):  
Jehona Gjermizi ◽  
Blerim Kola
Keyword(s):  
Qualitative Interviews ◽  
Internet Banking ◽  
The Internet ◽  
Major Barrier ◽  
Self Service ◽  
Self Service Technology ◽  
Financial Transactions ◽  
Corporate Customers

Albanian banks are currently implementing e-banking. Banks that offer service via this channel claim that it reduces costs and makes them more competitive. However, many corporate consumers are not highly enthusiastic about Internet banking. An understanding of why corporate customers do not accept Internet banking can assist banks to implement this self-service technology more efficiently. In-depth qualitative interviews with Albanian firms suggest that security of the internet is a major factor inhibiting wider adoption. Those already using Internet banking seem to have more confidence that the system is reliable,whereas non-users are much more service conscious,and do not trust financial transactions made via Internet channels. Non-internet banking users tend to have more negative management attitudes toward adoption and are more likely to claim lack of resources. Legal support is also a major barrier to Internet banking adoption for corporate customers.

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

scholarly journals Determinants of Internet Banking Adoption by Banks in Pakistan

2017 ◽  
Vol 4 (4) ◽  
pp. 12 ◽  
Author(s):  
Muhammad Ali Raza ◽  
Muhammad Naveed ◽  
Shoaib Ali
Keyword(s):  
Panel Data ◽  
Market Share ◽  
Banking Industry ◽  
Internet Banking ◽  
The Internet ◽  
Adoption Decision

Current study has been conducted to determine the factors those affect the internet banking adoption decision of banks in Pakistan. Logit Probit has been used to analyze the Panel data of twenty five banks in Pakistan, covering the financial year of 2006 to 2015. The results showed that six variables deposits, expenses, market share, spread and wages found significant association with internet banking adoption decision but others were found insignificant. Study found that most of the factors have affected the adoption decision of banking industry in Pakistan.

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