Web Banking Research Articles

Satisfaction level of Internet-Banking: A Comparison Study of Public and Private Sector Banks in India

Banking is an industry that is based on intensive information, and transactions in banking can normally be consummated without any physical exchange. These ingredients have made perfect passenger for the internet vehicle. The penetration of internet in the E-banking has further taken the banking services to the new heights as the electronic devices get connected globally to share the information such as text, graphics, voice video and computer programme. Internet banking or web banking allows the banking transactions that are performed by a secured internet application. Through internet banking services, one can pay bills, transfer funds and check transactions any time of the day 24×7. In the present paper sample of 156 customers of one public sector and one private sector bank in Chandigarh (India) on the basis of quota sampling technique was taken to draw the responses to compare level of satisfaction among customers regarding internet banking in selected public sector and private sector banks. The decisive finding of this research was significant positive relationship between service quality and customer satisfaction in delivering E-services in both private and public sector banks.

A study on service quality of information technology with reference to private and public sector banks in thoothukudi district

The financial reforms that were initiated in the early 1990s and the globalization and liberalization measures brought in a completely new operating environment to the banks. The bankers are now offering innovative and attractive technology based services and products such as Anywhere Banking, Anytime Banking, Telebanking, Internet Banking, Web Banking ect., to their customers to cope with the competition. Internet banking is a new delivery channel for banks in Thoothukudi. Technology plays a vital role in improving the quality of services provided by the business units. Advent and adoption of internet by the industries has removed the constraint of time, distance and communication making globe truly a small village. Financial sector being no exception, numerous factors such as competitive cost, customer service, increase in education and income level of customers, etc. Influence banks to evaluate their technology and assess their electronic commerce and internet banking strategies. Internet banking allows banking from anywhere, anytime and is used for transactions, payments etc. over the internet through a bank, a credit union or society‘s secure website. The Service industries are mostly customer driven and their survival in competitive environment largely depends on quality of the service provided by them. In this context, quality of service furnished by banking sector is very important and profitability of their business is closely connected to the quality ofservice.

An effective and secure web banking system: development and evaluation

This paper provides a state-of-the-art approach to the development of an effective and secure web banking system. First, it presents the latest trends and advancements on web system development and operational requirements of e-banking environments. Then, it presents a prototype web banking system by providing its analysis and design based on the waterfall model through the use of workflow and UML diagrams, as well as its implementation approach based on web programming technologies such as active server pages and web services. The system development gives emphasis on security standards, by using the SSL protocol, the security techniques that are provided by the.Net framework, and a role-based access control RBAC model. At the end, a multi-perspective system evaluation, which is based on the balanced scorecard method, proves the high applicability and significant value of the proposed system.

Web banking layout effects on consumer behavioural intentions

PurposeElaborating on earlier research by Vrechopoulos et al., this paper aims to investigate web banking store layout effects on user‐consumer behaviour and to report on a laboratory experimental investigation into user acceptance of three different layout types.Design/methodology/approachA web banking store was developed in three versions equal to the number of the alternative layouts manipulated by the laboratory experimental design. Two layout types were transformed from conventional banking and one type was designed by incorporating users' preferences and suggestions. The relationships in technology acceptance model (TAM) in the three treatments are tested separately, and then the subjects' evaluations on TAM constructs are compared.FindingsThe findings imply that store layout affects online consumer behaviour, confirming the findings of Vrechopoulos et al. in a different sector. The study also confirms the TAM relationships in all treatments and indicates that layout has an effect on user acceptance of web banking in terms of TAM constructs.Research limitations/implicationsThis study confirms the available knowledge regarding a store layout's influencing role on consumer behaviour in the context of web commerce.Practical implicationsDirect managerial implications for web banking are provided through the design of the “improved future” layout, which is depicted in the form of an abstract interface design.Originality/valueThe paper adopts an innovative conclusive causal research design towards testing the research hypotheses. To that end, an experimental application was developed in the laboratory and the research hypotheses were “packed‐up” with references from different disciplines (i.e. marketing and information systems) providing through that an interdisciplinary nature on the present study.

Fatores do índice de prontidão à tecnologia (TRI) como elementos diferenciadores entre usuários e não usuários de internet banking e como antecedentes do modelo de aceitação de tecnologia (TAM)

Este trabalho tem como escopo o estudo de modelos desenvolvidos para avaliar aspectos críticos referentes à utilização e ao convívio de consumidores e usuários com produtos e serviços de base tecnológica. Como referencial teórico, utilizou-se o Modelo para Aceitação de Tecnologia [TAM], e o Índice de Prontidão para o Uso de Tecnologia [TRI]. Foi realizada uma pesquisa de campo junto a usuários de Internet, sendo parte deles usuários de Internet banking, com o propósito de (1) avaliar as diferenças entre os grupos, em termos de predisposição à tecnologia, por meio do modelo TRI, e (2) testar se os fatores formadores deste modelo poderiam ser antecedentes do principal construto do Modelo de Aceitação de Tecnologia [TAM]. As análises mostraram que, para o propósito (1), três das quatro dimensões, - otimismo, insegurança e desconforto, - apresentaram diferenças significativas entre os grupos; e para o propósito (2), o fator otimismo, uma visão positiva da tecnologia, se revelou antecedente significativo da intenção de uso do serviço bancário online.

The adoption of web banking at credit unions

This paper examines the decision to adopt web and personal computer banking by credit unions. It finds that larger credit unions are more likely to adopt new technologies, are more likely to adopt earlier, and are more likely to offer more advanced versions of the technology. There is also some evidence that credit unions that provide web access also tend to offer interest rate spreads that are less beneficial for their members.

Secure password-based cipher suite for TLS

SSL is the de facto standard today for securing end-to-end transport on the Internet. While the protocol itself seems rather secure, there are a number of risks that lurk in its use, for example, in web banking. However, the adoption of password-based key-exchange protocols can overcome some of these problems. We propose the integration of such a protocol (DH-EKE) in the TLS protocol, the standardization of SSL by IETF. The resulting protocol provides secure mutual authentication and key establishment over an insecure channel. It does not have to resort to a PKI or keys and certificates stored on the users computer. Additionally, its integration in TLS is as minimal and non-intrusive as possible.

Evolução do uso da Web pelos bancos

Este artigo pretende caracterizar a evolução do uso da Web pelos bancos, utilizando-se para isso do estudo de cerca de 300 Web sites de bancos em três países - Brasil, Estados Unidos e Espanha - durante um período de dois anos entre 1997 e 1999. O artigo analisa os resultados obtidos na pesquisa à luz do que está publicado em literatura sobre o tema. O modelo de análise usado neste estudo classifica os serviços bancários oferecidos nos sites dos bancos em três grupos principais: divulgação, transação e relacionamento. Cada um destes grupos está subdividido em três outros, com base no nível de interação dos usuários com o site, compondo um total de nove diferentes categorias. Observou-se que os bancos primeiro viram a Web como um canal útil para promoção de seus produtos e serviços. Num outro momento, a Web passou a ser considerada como uma alternativa para a redução dos custos das transações bancárias e também como instrumento para intensificar o relacionamento dos bancos com seus clientes, a partir da utilização de serviços cada vez mais interativos.

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Este artigo apresenta uma pesquisa em Web sites de bancos norte-americanos. Ela foi produzida com o objetivo de aprofundar o conhecimento sobre modelos de Web banking que estão sendo utilizados nos Estados Unidos. Observamos que os bancos americanos utilizam a Web para explorar três diferentes categorias de serviços: distribuir informação, distribuir produtos e serviços bancários e melhorar o relacionamento com os clientes. Dividimos cada uma destas três categorias em três níveis de interação para classificar diferentes tipos de aplicações que são encontradas em cada um dos Web sites pesquisados.

Web banking in Brazil

This article will present a preliminary survey of the status of web banking in Brazil, preeeded by an explanation about some seeurity problems on the Internet and some advantages and impaets of banking serviees through the web. It will end with suggestions for further Web banking studies.