The Journal of Internet Banking and Commerce最新文献

{"title":"Methods for Cybercrime Fighting Improvement in Developed Countries","authors":"Murashbekov Ob","doi":"10.4172/1204-5357.s1-003","DOIUrl":"https://doi.org/10.4172/1204-5357.s1-003","url":null,"abstract":"The paper submitted covers advanced methods of cybercrime fighting in developed countries and opportunities of their use for law enforcement in Republic of Kazakhstan. Economic opportunities of computer technologies make them attractive for criminals. Cybercrime is promoted by IT in everyday life and Internet. Technical methods of protection from criminal offense committed with the use of computer technologies are studied together with organizational and criminal law methods enabling efficient investigation of cybercrimes, correct classification of crime components and fair punishment. Feasibility of further criminalization of acts accounting for lucri causa and crime commitment method in cybercrimes is substantiated. The conducted research enabled the author to classify the advanced contemporary methods in connection with fighting cybercrime and come to the conclusion on their comprehensive use. Some exact steps were submitted for improvement of criminal regulations of Republic of Kazakhstan accounting for lucri causa and crime commitment method (using computer technologies in a number of classified components of crimes against property).","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115475982","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Evaluation of Customer Loyalty to Different Format Retailers","authors":"Noskova Ev, Romanova Im","doi":"10.4172/1204-5357.S1-007","DOIUrl":"https://doi.org/10.4172/1204-5357.S1-007","url":null,"abstract":"The article notes that at present for different retailers an important strategic objective is to create loyal customers. Under these conditions, the urgency to identify and assess the factors affecting the formation of customer loyalty increases. The purpose of this study is to estimate factors affecting customer loyalty with an average level of income in the context of different formats of retail trade of food specialization in the cities with a population of 1 million people. In the study a methodical approach to customer loyalty and factors it forming is developed. The basic factors of customer loyalty in the context of the marketing mix 7P are discovered (product, price, place, promotion, personnel, physical evidence, and process). A quantitative assessment of the factors of customer loyalty on the basis of the calculation of the index of satisfaction in the context of retail formats (hypermarket, supermarket, and shop near home) is given. The study may be of interest to market operators of retail services in the development of programs to improve customer loyalty to different retailers.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124367372","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Moderating Role of Brand Image With Relation to Internet Banking and Customer Loyalty: A Case of Branchless Banking","authors":"S. Rahi","doi":"10.4172/1204-5357.1000131","DOIUrl":"https://doi.org/10.4172/1204-5357.1000131","url":null,"abstract":"Purpose: Internet is of vital essence to excel and progress of organization growth. It has revolutionized the banking sector all over the world. A spectacular innovation in banking sector is to introduce Internet banking services. The aim of this study is to inspect the moderating relationship of Brand image between internet banking and customer loyalty. Design/methodology/approach: This study is conducted using positivism paradigm and deductive quantitative methods of inquiry. Data was collected in a survey from those customers who were using internet banking services in Pakistan. Questionnaire was adopted from research studies of Zeithaml et al. and Park et al. A theoretical framework is proposed to suggest the links among variables. The sample size selected for research constitutes of 437 respondents belongs to Lahore and Islamabad, from Pakistan. Simple and Moderating regression analysis is used to examine hypothesized relationship. Findings: There are two major finding the foremost, those banks who are providing internet banking services their customer are loyal with their banks, to prove this argument simple regression analysis employed result reveals that internet banking bring 94% change on customer loyalty. The second magnificent finding is to check the role of brand image as a moderator. Results prevailed that there is significant quasi moderation exist between Internet banking, and customer loyalty and prove that, if the Brand image would strong the relationship between internet banking and customer loyalty will enrich. Research limitation/Implications: Further research is indicated, to identify impact of these variables on other services provider companies of Pakistan excluding banking sector. Banking sector of Pakistan should pay more attention to enrich their brand image to enhance the customer loyalty. Originality/Value: This study is unique as it is pioneer study with moderation effect of brand image and will be helpful for the mangers to understand the value of brand image in context of Internet banking and customer loyalty.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129351441","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"A Mobile Banking Adoption Model in the Jordanian Market: An Integration of TAM with Perceived Risks and Perceived Benefits","authors":"Khasawneh Mha","doi":"10.4172/1204-5357.1000128","DOIUrl":"https://doi.org/10.4172/1204-5357.1000128","url":null,"abstract":"Although consumer perceptions of the risks of adopting e-banking have been studied by many researchers, the perceived risk variable has only been examined as a single construct, which fails to reveal the actual attributes of perceived risk and clarify why consumers refuse to use such banking services. In order to provide a more comprehensive clarification of the perceived risks of adopting m-banking in Jordan, a more in-depth study of the characteristics of the perceived risks was conducted. The current research is designed to integrate the five dimensions of the perceived risk with the TAM in order to present a more comprehensive model of m-banking acceptance and adoption in Jordan. As such, a conceptual model and 8 hypotheses are tested with a sample of 404 mobile phone users, and analysed quantitatively. The findings of the current study provided support for the research model and for most of the hypotheses regarding the relationship among the model’s variables. In particular, the research model presented in this paper is unique in that it synergistically combines the TAM variables along with perceived benefits, the various dimensions of perceived risks, attitude and behavioral intention in evaluating the decision to adopt m-Banking.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"83 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131542965","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Computer Assisted Audit Techniques and Audit Quality in Developing Countries: Evidence from Nigeria","authors":"Omonuk Jb, A. Oni","doi":"10.4172/1204-5357.1000127","DOIUrl":"https://doi.org/10.4172/1204-5357.1000127","url":null,"abstract":"Most business organizations world-over have computerized their accounting systems. Extant literature finds that the use of Computer Assisted Audit Techniques (CAATs) is positively related to the quality of audit reports. CAATs are widely applied to audit financial statements in developed countries. However, there is a void in literature about the audit of computerized accounts in developing countries. We draw a sample from Nigeria to investigate the following questions, “Do auditors effectively audit computerized accounts and; Is there a positive relationship between the use of CAATs and audit quality?” Using descriptive statistics, correlation analysis and logistic multiple regression, we provide evidence that: (1) CAATs are effectively used, (2) there is a positive relationship between the use of CAATS and audit quality, and (3) in a sample that excludes the big 4 International audit firms, local Nigerian firms are not effective in applying CAATs, and so, do not produce quality audit reports.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126217229","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Highlighting the Vulnerabilities of Online Banking System","authors":"Laith T. Khrais","doi":"10.4172/1204-5357.1000120","DOIUrl":"https://doi.org/10.4172/1204-5357.1000120","url":null,"abstract":"As a result of the growing use of the Internet and developing advanced technology systems globally, there has been an apparent increase in the usage of online banking system across the world, accompanied by widespread incidents of fraud and attack. This paper gives a simple description of the online banking mechanism and the nature of the attacks that involved in the process of conducting an online transaction through a computer, along with the security models and measures that can be used to block the threats.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131944889","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"A Solution for Power Consumption Costs of WLANS in Enterprises","authors":"G. Pau","doi":"10.4172/1204-5357.1000125","DOIUrl":"https://doi.org/10.4172/1204-5357.1000125","url":null,"abstract":"Wireless Local Area Networks (WLANs) have been deployed rapidly in enterprises in order to satisfy user demands for high bandwidth and mobility. For this reason WLANs consist of several Access Points (APs). As a consequence, to this spread of APs, there has been also a substantial increase in energy consumption and economic costs. In order to address this problem, this paper introduces a solution for an energy-aware management of WLANs in enterprises. The proposed solution considers the instantaneous traffic intensity and switches on and off the APs according to the distance value of the client with respect to the AP. The results of real test-bed scenarios reveal that the proposed approach obtains promising performance.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130960322","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Efficiency and Productivity Change of Selected Online Banks in Bangladesh: A Non-parametric Malmquist Approach","authors":"Md. Azizul Baten, M. M. Kasim, M. Rahman","doi":"10.4172/1204-5357.1000121","DOIUrl":"https://doi.org/10.4172/1204-5357.1000121","url":null,"abstract":"This study evaluated the technical efficiency change and productivity change of national commercial banks (NCBs) and private banks (PBs) by employing cost data envelopment analysis (DEA), profit DEA and Malmquist based DEA. The cost inefficiency and profit efficiency are observed slightly higher for PBs than NCBs. The average technical and allocative efficiency are found 75.4% and 35.9% respectively by cost DEA; while 74.0% and 31.8% for profit DEA. By profit DEA, on an average bank-wise and year-wise productivity change, efficiency change and technical efficiency change are found higher than cost DEA. The average cost and average profit efficiency is observed 28.7% and 24.2% respectively. Bank-wise average productivity change and technical efficiency change are decreased at 4.2% and 5.1% respectively whereas the efficiency change is increased at 0.9% in profit DEA. The bank-wise productivity change and technical efficiency change and efficiency change are recorded decreased at 8.4%, 6.2% and 1.8% respectively in cost DEA. It is expected that there exist a huge gap among NCBs in terms of cost efficiency, so NCBs should decrease cost after performing adequate inquiries so that these cost could be recovered.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133344537","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Conceptualizing User Preference and Trust in Western Designed Banking Software Systems in Developing Countries","authors":"Humphrey M. Sabi, S. Mlay, Clive K. Tsuma, Dr Henry Ngenyam Bang","doi":"10.4172/1204-5357.1000126","DOIUrl":"https://doi.org/10.4172/1204-5357.1000126","url":null,"abstract":"Organizations in developing countries have over the last decade been investing heavily in information and communication technologies to drive efficiency and effectiveness of their operations. Recent advancements in the development of 21st century banking systems and competition in the banking industry has forced many banks in developing countries to import and use systems designed for the western banking markets and operations. This study investigated the contextual factors impacting adoption, implementation and usage of these western designed software packages in developing countries through a case study of the implementation of Oracle FLEXCUBE at a bank in Cameroon. A mixed-method design approach and triangulation of two technology adoption theories underpinned the research design. Findings revealed significant impact of contextual factors on the implementation process and unexpected trust for western designed software packages compared to local alternatives. Results also show that preference and trust in western designed banking systems cannot be solely explained by constructs from technology adoption theories. Implications and recommendations for future implementations of western designed software packages in similar contexts are discussed.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131733105","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"An Investigation of the Effects of Customer's Educational Attainment on their Adoption of E-banking in Nigeria","authors":"O. Oyeleye, M. Sanni, T. Shittu","doi":"10.4172/1204-5357.1000133","DOIUrl":"https://doi.org/10.4172/1204-5357.1000133","url":null,"abstract":"The study aimed at investigating the effects of customers’ educational attainment on their adoption of e-banking in Nigeria and adopted the extension of technology adoption model (TAM) by adding customers’ educational attainment to it. The researcher used primary data collected through administered structured questionnaire. The researcher employed the SPSS (16.0) for descriptive statistical analysis and the Structural Equation Model (SEM) as statistical test tool using AMOS (16.0). By extending the TAM, the study concluded that customers’ educational attainment directly influence customers’ perceived usefulness and perceived ease of use and through these indirectly influence the level of adoption of e-banking by customers. The results of this study provides solid ground for developing appropriate marketing strategies to encourage the adoption of e-banking by the Nigerian banking customers. The study recommended that banks use different customers’ educational attainment levels as e-banking product designing tool, thus making adoption easier and faster; and Government should make efforts to improve the level of literacy, especially computer literacy among citizens. This will make it easier for customers to operate, interact and access e-banking platforms in Nigeria.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-10-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129945532","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}