Internet Banking Security Guideline Model for Banking in Thailand

The purpose of this research is to study the Internet banking security guideline model for banking business in Thailand. At the present, the uses of the Internet have grown rapidly, but there are not many customers who use the Internet banking services because they do not trust the bank security systems. As a result, the study of the Internet banking security guideline model and tools development as well as information technology were conducted to ensure the security of the Internet banking services by using the concept of reliability, innovation adoption theory, the quality of the Internet connection and e-commerce law. The collected data were taken to form the Internet banking services security model by using innovation adoption theory, trust of the system, the quality of the Internet connection, e-commerce legal support, authentication theory, key locker security, and one time password (OTP). The results of the research showed that the customers paid attention to the security, risk awareness, ease of use, and quality of Internet connection, respectively. Furthermore, it can also be concluded that a comparative study between the Internet banking and mobile banking should be studied as well as the study of social factors, and security factors to ensure the security and in order to meet with the customers’ needs.