Abstract
As a result of changes in approach from traditional to virtual banking system, security in data exchange has become more important; thus, it seems essentially necessary to present a pattern based on smart models in order to reduce fraud in this field. A new algorithm has been provided in this article to improve security and to specify the limits of giving special services to Internet banking users in order to pave appropriate ground for virtual banking. In addition to identifying behavioral models of customers, this algorithm compares the behaviors of any customer with this model and finally computes the rate of trust in customer’s behavior. The hybrid data-mining and knowledge based structure has been adapted in this algorithm according to fuzzy systems. In this research, qualitative data was gathered from interviews with banking experts, analyzed by Expert Choice to identify the most important variables of customer behavior analysis, and to analyze customer behavior and customer bank Internet transaction data for a period of one year by MATLAB and Clementine. The results of this survey indicate that the potential of the given structure to recognize the rate of trust in Internet bank user’s behavior might be at reasonable level for experts in this area.
Highlights
Due to the rapid pace of Internet accessibility, the use of e-banking has boosted [1]
This study aims to propose a smart system in order to determine rate of trust in behavior of Internet banking users in three general steps including determination of input parameters, optimization of fuzzy rules, and implementation of fuzzy system
With respect to importance of full identification of the effective factors in determination of credit of users in Internet banking, it is suggested identifying the effective factors in credit by means of content analysis technique in the future investigations and using open-ended questionnaire and direct interview with banking experts
Summary
Due to the rapid pace of Internet accessibility, the use of e-banking has boosted [1]. Rising attractiveness of Internet banking for the customers caused ever-increasing growth in doing online transactions. The number of online-shopping by using debit and credit cards has almost doubled in the previous 10 years, from 6.7 billion in 2006, to 16.4 billion purchases in 2016 [3]. In Iran, due to Central Bank of Iran’s report, 25% growth in the number of e-banking transactions (20.4 billion transactions) and 27% increase in value terms (177 billion dollars) is shown in operations of key electronic banking platforms during March–September 2019 in comparison with the same period in the previous year [5]
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
