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1
Messaggi, Kaya Monica. "Trust and security risks in mobile banking." Thesis, University of Oxford, 2013. http://ora.ox.ac.uk/objects/uuid:bccf1f59-70cc-4b67-bf87-bfc7af22880f.
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With the development and growth of mobile technologies, mobile phones enable users to perform a number of different tasks with their devices: from sending simple text messages, checking e-mails and browsing the internet, to running elaborated applications. Nowadays, the mobile phone platform creates great opportunities for businesses, especially due to its capabilities and population coverage: the number of mobile subscriptions approaches global population figures. In order to explore such opportunities, most banks have already launched their mobile applications and/or re-designed mobile version of their websites. One of the benefits of using mobile banking is the possibility for users to carry out bank transactions, such online payments or transfers, at anytime and anywhere. Expectations for the adoption of mobile banking were high; however, it represents about 20% of mobile phone users at the present. One factor has been recognised as being a strong reason for users not to adopt mobile banking: their concerns about security. This dissertation focuses on the relationship between the trust users have in mobile banking and the security risks that the use of mobile devices potentially pose. A questionnaire was created in order to gather users’ perception of security about mobile banking, and its results compared with recognised security issues.
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Kwaa-Aidoo, Ephrem Kwaku. "Culturally aligned security in banking : a system for rural banking in Ghana." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
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This thesis is an investigation into the unique rural banking system in Ghana and the role of information systems in fraud control. It presents a robust information security and internal control model to deal with fraud for the banking system. The rural banking industry has been noted for poor internal control leading to fraud. This has resulted in poor performance and even the collapse of some banks. The Focus of the study was on the processes used to deliver banking services. To design a protection system, a number of rural banks were visited. This was to understand the environment, regulatory regimes and the structure and banking processes of the industry and banks. Systemic vulnerabilities within the industry which could be exploited for fraud were found. The lack of structures like an address system and unreliable identification documents makes it difficult to use conventional identification processes. Also the lack of adequate controls, small staff numbers and the cross organisational nature of some transactions among other cultural issues reduces the ability to implement transaction controls. Twenty fraud scenarios were derived to illustrate the manifestation of these vulnerabilities. The rural banking integrity model was developed to deal with these observations. This protection model was developed using existing information security models and banking control mechanisms but incorporating the nature of the rural banking industry and culture of its environment. The fraud protection model was tested against the fraud scenarios and was shown to meet the needs of the rural banking industry in dealing with its systemic vulnerabilities. The proposed community-based identification scheme deals with identification weaknesses as an alternative to conventional identity verification mechanisms. The Transaction Authentication Code uses traditional adinkra symbols. Whilst other mechanisms like the Transaction Verification Code design v internal controls into the banking processes. This deals with various process control weaknesses and avoids human discretion in complying with controls. Object based separation of duties is also introduced as a means of controlling conflicting tasks which could lead to fraud.
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Kwaa-Aidoo, Ephrem K. "Culturally aligned security in banking. A system for rural banking in Ghana." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
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This thesis is an investigation into the unique rural banking system in Ghana and the role of information systems in fraud control. It presents a robust information security and internal control model to deal with fraud for the banking system. The rural banking industry has been noted for poor internal control leading to fraud. This has resulted in poor performance and even the collapse of some banks. The Focus of the study was on the processes used to deliver banking services.
To design a protection system, a number of rural banks were visited. This was to understand the environment, regulatory regimes and the structure and banking processes of the industry and banks. Systemic vulnerabilities within the industry which could be exploited for fraud were found. The lack of structures like an address system and unreliable identification documents makes it difficult to use conventional identification processes. Also the lack of adequate controls, small staff numbers and the cross organisational nature of some transactions among other cultural issues reduces the ability to implement transaction controls. Twenty fraud scenarios were derived to illustrate the manifestation of these vulnerabilities.
The rural banking integrity model was developed to deal with these observations. This protection model was developed using existing information security models and banking control mechanisms but incorporating the nature of the rural banking industry and culture of its environment. The fraud protection model was tested against the fraud scenarios and was shown to meet the needs of the rural banking industry in dealing with its systemic vulnerabilities. The proposed community-based identification scheme deals with identification weaknesses as an alternative to conventional identity verification mechanisms. The Transaction Authentication Code uses traditional adinkra symbols. Whilst other mechanisms like the Transaction Verification Code design
v
internal controls into the banking processes. This deals with various process control weaknesses and avoids human discretion in complying with controls. Object based separation of duties is also introduced as a means of controlling conflicting tasks which could lead to fraud.
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Ngwenya, Bongani, and Khanyisa Malufu. "Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking." IJCSN, 2012. http://hdl.handle.net/10150/271474.
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Information systems concentrate data in computer files
that have the potential to be accessed by large numbers
of people in and outside of organisations. While security
breaches and damages of information systems still come
from organisational insiders, security breaches are
increasing, especially in developing countries because
organisations are now open to outsiders through the
internet. As a result, automated data are more susceptible
to error, destruction, fraud and misuse.
The banking sector in Zimbabwe has introduced, of late,
on-line banking facilities and these are heavily
dependent on the use of internet.The increase in computer crime has led to scepticism about the move made by the banks to introduce on-line banking. Some view this as a noble move which has made the banking system more efficient, reliable and secure, while others view it as a risky and insecure way of banking. The aim of this study was to assess whether on-line banking in the developing countries is secure or not. The researcher chose a descriptive-quantitative research design. Data was collected using a self constructed questionnaire. Convenience sampling and stratified random sampling techniques were used to select the main subjects of the study. Generally on average there was no significant difference between the perceptions of management bank personnel and non-management bank personnel on the security of on-line banking. The study recommends further future studies on the security of on-line banking in developing countries based on the perceptions of the customers themselves, who are using on-line banking services, the Common Criteria for Information Technology Security and also a study of the latent dimensions of on-line banking security as extracted by factor analysis, how they differ from elements of information security as derived from the theoretical framework and literature.
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Sofola, Olatokunbo. "The Nigerian law of consumer credit and security." Thesis, King's College London (University of London), 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.268316.
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Gurlen, Stephanie. "Security Design Flaws that Affect Usability in Online Banking." NSUWorks, 2013. http://nsuworks.nova.edu/gscis_etd/169.
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As the popularity of online banking Websites has increased, the security of these sites has become increasingly critical as attacks against these sites are on the rise. However, the design decisions made during construction of the sites could make usability more difficult, where the user has difficulty making good security decisions. This study analyzed 6 design flaws of this nature: (a) a break in the chain of trust, (b) providing a secure login method on an unsecure page, (c) providing bank contact information or security advice on an unsecure page, (d) having policies that are insufficient for userids and passwords, (e) generating e-mails containing sensitive information that are sent in an unsecure manner, and (f) the multi-factor authentication solution consisting of the presentation of an image in combination with the userid and password. Each of these flaws can lead to security and usability issues. Analysis of 80 banking sites was performed to determine the frequency of the flaws. The sampling of banking institutions was determined from banking institution lists available from the Federal Deposit Insurance Corporation (FDIC). Banking institutions were selected from 5 bank charter classes. The banking sites were downloaded for static analysis. The analysis was performed through a combination of automated programs and manual review. The results found instances of all 6 design flaws. The most prevalent issue found was insufficient policies for userids and passwords. The second most prevalent design flaw was the break in the chain of trust. The design flaw with the smallest number of occurrences was emailing sensitive information in an unsecure manner. The banking charter class of the banking institution did not appear to have a relationship to the frequency of the flaws. However, it appears that banking institutions with a smaller asset size have a higher frequency of the flaws than those with a larger asset size. It is recommended that banking institutions address these design flaws to improve usability for their customers while improving security.
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Oliveira, Johnatan Santos de. "Cross-domain deep face matching for banking security systems." reponame:Repositório Institucional da UnB, 2018. http://repositorio.unb.br/handle/10482/33033.
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Dissertação (mestrado)—Universidade de Brasília, Faculdade de Tecnologia, Departamento de Engenharia Elétrica, 2018.Submitted by Fabiana Santos (fabianacamargo@bce.unb.br) on 2018-11-07T19:44:44Z No. of bitstreams: 1 2018_JohnatanSantosdeOliveira.pdf: 5538984 bytes, checksum: 20580b9ff8534339b6b7390d5c55d9fb (MD5)
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Um dos principais desafios enfrentados pelo sistema bancário é garantir a segurança das transações financeiras. Devido à conveniência e aceitação, o uso de caracterı́sticas faciais para autenticação biométrica de usuários em sistemas bancários está se tornando uma tendência mundial. Essa abordagem de autenticação de usuários está atraindo grandes investimentos de instituições bancárias e financeiras, especialmente em cenários de diferentes domı́nios, nos quais imagens faciais tiradas de documentos de identificação são comparadas com autorretratos digitais (selfies) tiradas com câmeras de dispositivos móveis. Neste estudo, coletamos das bases de dados do maior banco público brasileiro um grande dataset, chamado FaceBank, com 27.002 imagens de selfies e fotos de documentos de identificação de 13.501 sujeitos. Em seguida, avaliamos os desempenhos de dois modelos de Redes Neurais Convolucionais bem referenciados (VGG-Face e OpenFace) para extração de caracterı́sticas profundas, bem como os desempenhos de quatro classificadores (SVM Linear, SVM Power Mean, Random Forest e Random Forest com o Ensemble Vote) para autenticação robusta de face em diferentes domı́nios. Com base nos resultados obtidos (precisões superiores a 90%, em geral), é possı́vel concluir que a abordagem de matching de faces profundas avaliada neste estudo é adequada para autenticação de usuários em aplicações bancárias entre domı́nios. Até onde sabemos, este é o primeiro trabalho que usa um grande conjunto de dados composto por imagens bancárias reais para avaliar a abordagem de autenticação de face entre domı́nios. Além disso, este trabalho apresenta um estudo sobre as reais necessidades na implementação futura de um sistema biométrico, propondo um sistema de nuvem para permitir a adoção de tecnologias biométricas. Por fim, propõe também um modelo seguro e integrado de subsistema ABIS de transmissão de dados. Toda a análise e implementação leva em conta a total aderência e compatibilidade com padrões e especificações propostos pelo governo brasileiro.
Ensuring the security of transactions is currently one of the major challenges facing banking systems. The use of facial features for biometric authentication of users in banking systems is becoming a worldwide trend, due to the convenience and acceptability of this form of identification, and also because computers and mobile devices already have built-in cameras. This user authentication approach is attracting large investments from banking and financial institutions especially in cross-domain scenarios, in which facial images taken from ID documents are compared with digital self-portraits (selfies) taken with mobile device cameras. In this study, from the databases of the largest public Brazilian bank we collected a large dataset, called FaceBank, with 27,002 images of selfies and ID document photos from 13,501 subjects. Then, we assessed the performances of two well-referenced Convolutional Neural Networks models (VGG-Face and OpenFace) for deep face features extraction, as well as the performances of four effective classifiers (Linear SVM, Power Mean SVM, Random Forest and Random Forest with Ensemble Vote) for robust cross-domain face authentication. Based on the results obtained (authentication accuracies higher than 90%, in general), it is possible to conclude that the deep face matching approach assessed in this study is suitable for user authentication in cross-domain banking applications. To the best of our knowledge, this is the first study that uses a large dataset composed of real banking images to assess the cross-domain face authentication approach to be used in banking systems. As an additional, this work presents a study on the real needs in the future implementation of a biometric system proposing a cloud system to enable the adoption of biometrics technologies, creating a new model of service delivery. Besides that, proposes a secure and integrated ABIS Data Transmission subsystem model. All the analysis and implementation takes into account the total adherence and compatibility with the standards and specifications proposed by the Brazilian government, at the same time, establish mechanisms and controls to ensure the effective protection of data.
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Aburrous, Maher R., M. Alamgir Hossain, F. Thabatah, and Keshav P. Dahal. "Intelligent quality performance assessment for e-banking security using fuzzy logic." IEEE Computer Society Press, 2008. http://hdl.handle.net/10454/2493.
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Security has been widely recognized as one of the
main obstacles to the adoption of Internet banking
and it is considered an important aspect in the
debate over challenges facing internet banking. The
performance evaluation of e-banking websites
requires a model that enables us to analyze the
various imperative factors and criteria related to the
quality and performance of e-banking websites. Ebanking
site evaluation is a complex and dynamic
problem involving many factors, and because of the
subjective considerations and the ambiguities
involved in the assessment, Fuzzy Logic (FL) model
can be an effective tool in assessing and evaluating
of e-banking security performance and quality. In
this paper, we propose an intelligent performance
assessment model for evaluating e-banking security
websites. The proposed model is based on FL
operators and produces four measures of security
risk attack dimensions: direct internal attack,
communication tampering attack, code programming
attack and denial of service attack with a
hierarchical ring layer structure. Our experimental
results show that direct internal attack risk has a
large impact on e-banking security performance. The
results also confirm that the risk of direct internal
attack for e-banking dynamic websites is doubled
that of all other attacks.
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Bham, Fayaaz Moosa. "Improving e-commerce security perception in banking / Fayaaz Moosa Bham." Thesis, North-West University, 2007. http://hdl.handle.net/10394/702.
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E-crime has impacted consumer behavioural habits within the banking industry.
This affects both the customer and business value, where customers have
considered alternatives and the business not realising the return of investment
due to diminishing usage.
Combating the illegal activities of perpetrators of crime is seen as a cost to
business without any reward. However, proactively acting against e-crime does
alter the perception of the channel, returning the trust to customers. However,
going beyond the scope and addressing other factors that influence perception
provides a competitive edge.
There are at least six factors that influence perception, namely that minds are
limited, minds hate confusion, minds constantly evaluate risks (monetary and
functional), minds don't adopt to change easily (they prefer a comfort zone),
minds are affected by past experience or communication, and minds lose, focus.
These are not restricted to the science of consumer behaviour, but need to be
considered in both technical decisions and change management.
By influencing the perception of consumers, technology changes and ecommerce
threats, which continuously evolve, do not have the same impact.
Consumers become aware of their existence and are empowered to deal with the
issue at hand.
Probable the greatest influence on perception is knowledge and education.
Having a strategy that educates consumers about the operating environment is
investing in an organisation's customers lifetime value.Thesis (M.B.A.)--North-West University, Potchefstroom Campus, 2008.
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Birkeland, S. N. "E-Banking security and organisational changes : an action research study." Thesis, University of Liverpool, 2015. http://livrepository.liverpool.ac.uk/3001088/.
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The thesis considers customer security in a major European bank Bank X. The action research focus is to strengthen the processes and the overall solution for online Bank customers which experience a significant growth and increase in use. There seem to be a common misperception between the internal staff of the bank and its customers regarding what security is, and the research considers several new security situations in the banking business. Moving from branch-oriented business to a digital orientation within the time space of just a few years has challenged banks to create new solutions for their customers. Such solutions must be secure, but technical security need separation from human security since new approaches as for example social engineering easily can be a source for fraud and losses for customers in a modern digital bank. This thesis uses action research by interviewing leaders and team members in one security team. The internal researcher role also introduce proposals and suggestions to the team during the research, which locate the action. A connection between stakeholders’ security definitions, re-organisations and the end solutions is important to understand, to improve the situation. Findings reveal that internal communications have an external customer’s communications effect and that re-organisational tasks should focus to adjust the external factors, not only internal benefits. Re-organisational planning does not increase customer security instantly, but some participants can see long-term benefits. The problem is, however, that the long-term world-view changes continuously, and without adjustments organisations depending on cyber security fall behind in the new, but ongoing battle between usability vs security and cost. A modern digital bank should no longer act as a traditional bank, but more as an IT company. This claim opens the way for new ideas and solutions, but blending the banking business and the computer industry can be challenging due to the professional distance between the groups. Future re-organisations should therefore aim for cross-divisional collaboration, increasing communication internally and opening routes for a dualistic contact with customers whereby information and awareness campaigns can be just as effective as technical and physical firewalls. The computer and banking industries are now working towards a remote market with a distance to the online-customers, and while the computer industry has experience to perform business with less customer contact, the banks have now also moved from close contact to digital contact. For this reason, modern banks must think differently and understand what the business is and how to secure it, but never forget the major resource and security problem – the human being.
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Nasution, Muhamad Faisal Fariduddin Attar. "Institutionalization of Information Security: Case of the Indonesian Banking Sector." VCU Scholars Compass, 2012. http://scholarscompass.vcu.edu/etd/2825.
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This study focuses on the institutionalization of information security in the banking sector. This study is important to pursue since it explicates the internalization of information security governance and practices and how such internalization develops an organizational resistance towards security breach. The study argues that information security governance and practices become institutionalized through social integration of routines and system integration of relevant technologies. The objective is to develop an understanding of how information security governance and practices in the Indonesian banking sector become institutionalized. Such objective is built on an argument that information security governance and practices become institutionalized through social integration of routines and system integration of relevant technologies. Pursuing this study is necessary to conceptualize the incorporation of security governance and practices as routines, the impact of security breaches on such routines, and the effects of a central governing body on such routines altogether. Accordingly, the concept of institutionalization is developed using Barley and Tolbert’s (1997) combination of institutional theory and structuration theory to explain the internalization of security governance and practices at an organizational level. Scott’s (2008) multilevel institutional processes based on institutional theory is needed to elaborate security governance and practices in an organization-to-organization context. The research design incorporates the interpretive case-study method to capture communicative interactions among respondents. Doing so provides answers to the following research questions: (1) how institutions internalize information security governance and practices, (2) how an external governing body affects the institutionalization of information security governance and practices in institutions, and (3) how security breaches re-institutionalize information security governance and practices in institutions. Several important findings include the habitualized security routines, information stewardship, and institutional relationship in information-security context. This study provides contributions to the body of literature, such as depicting how information security becomes internalized in an organization and the interaction among organizations engaged in implementing information security.
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Du, Tiantian, and Amro Agami. "Examining young users’ security perceptions of mobile banking : A qualitative study on users’ insights about mobile banking." Thesis, Umeå universitet, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-141655.
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The advancement of mobile technology and banking services enabled users to use the mobile banking for a variety of tasks with their smartphones, bringing increased flexibility and value-added services to the customers. However, users still have still concerns regarding the security of mobile banking services. The lack of knowledge of the user about different security threats and mechanisms to improve their security represent a major opportunity for hackers and cyberattacks. Despite the fact that the younger students are more knowledgeable about technologies yet awareness is still a concern. Perceived security in the context of young users has not been examined before, although it is considered important in building customer trust. Therefore, this thesis aims to form a good understanding of this topic. On analyzing prior research, the subjects of trust and perceived security in mobile banking is approached by the literature review and an exploratory study that was conducted through qualitative semi-structured interviews. The information collected was carefully analyzed with proper tools. After analyzing the information an analysis of the literature findings and study finds was presented. This thesis examined and revealed that perceived security in mobile banking is important for young users. However, it was noticed that users would not leave the service due to their reliance on the bank assurances to cover their security losses, which means that most of the mobile banking young users trust their bank and technology given the security threats. In addition, this study revealed that the majority of users are unaware of security threats surrounding the mobile banking environment. It was found also that the most important mechanism for the user is authentication mechanisms. This thesis provides a general understanding of the security in mobile banking. It highlights that perceived security is a complex concept and is affected by various factors such as device, information quality, user experience and type of network connections. These factors should be carefully considered by users when using the technology. In conclusion, this thesis also implies banks to communicate effectively security information to users in order to avoid mobile banking users’ errors.
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Alsulimani, Tagreed. "Framework for the adoption of online banking." Thesis, De Montfort University, 2013. http://hdl.handle.net/2086/9034.
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Information technology represents the most important tool for any business to grow and increase pro_ts in this century. Online banking represents one type of business change due to revolutionary changes in technology. There are limited studies for adoption of online banking in Saudi Arabia which is one of the largest economies in the world. For that reason my study focused on the adoption of online banking by countries in general and particularly in Saudi society. In many situations there is a gap between business and information technology. In particular there is a crimson between online bank users and technology. It is necessary to bridge this gap In order to achieve online banking targets. My study investigated the different reasons for the gap its formation (between online banking and information technology) and how to bridge it. This research is focused on the diferent factors that enhance the adoption of online banking services through general users. This framework was established by drawing from several theoretical studies. The proposed research framework contains the most important factors for online banking. These include the following hypotheses; (H1) personal information, (H2) personal experience, (H3) disposition to trust, (H4) reputation, (H5) trusting Belief, (H6)structural assur- ance and (H7) perceived site quality. These hypotheses were tested experimentally through a questionnaire which was analyzed using SPSS Version 14 program. The results showed that (H1) personal information, (H2) personal experience, (H3) dis- position to trust, (H4) reputation, (H5) trusting belief, (H6) structural assurance and (H7) perceived site quality are positive factors affecting customer adoption of online banking. There was a significant correlation between the different online banking adoption factors or hypotheses and the personal information (age, gender and education) with P values of <0.005 in most of cases.
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Owodunni, Adeola Abimbola. "Bank lending on the security of land : a comparative study of English and Nigerian law." Thesis, University of Reading, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.280298.
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Suh, Joon Bae. "Financial industry security : managing occupational fraud risk in South Korean banking institutions." Thesis, University of Portsmouth, 2018. https://researchportal.port.ac.uk/portal/en/theses/financial-industry-security(70606660-f89f-4ef2-84fb-05c5ce233267).html.
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Banking institutions within the financial system are very vulnerable to insider threats and require special security management because of the severe negative externalities to society once they fail. In this regard, the research aimed to investigate the characteristics of occupational fraud and to devise effective anti-fraud strategies by comparing two different financial sectors (commercial banks vs community banking institutions) in South Korean banking industry. For that, the study narrowed the scope of analysis in terms of two core banking services and focused on the three variables of interest: 'gender', 'position' of bankers, and 'financial sector' of banks. Adopting a mixed method approach, the study administered two different questionnaires to more than 450 participants and conducted 16 semi-structured interviews with the bankers and counter-fraud experts in the financial industry. The study discovered evidence that 'position' and 'sector' play a more crucial role on occupational fraud than 'gender'. 'Position' had a significant effect on the characteristics of fraud in a sense that perpetrators in high positions at financial institutions were significantly associated with corruption, which caused more serious damage to the organization. In a similar vein, the 'financial sector' had a significant effect on the perceived risk of fraud and counter-fraud effectiveness. That is, the respondents in the community banking institutions had significantly lower awareness of the problem and control effectiveness than those in the commercial banks. Next, the study found important evidence that perceived 'opportunity reduction' was negatively associated with fraud occurrence in the banking industry. In addition, the study verified that the perception of an improved ethical culture was negatively associated with the frequency of occupational fraud. Simply put, if the bank employees agreed more that they had more elevated corporate culture, the frequency of occupational fraud was significantly lower in the institution. This implies that 'reducing opportunity' and 'developing anti-fraud culture' should be two axial measures when managing the risk of occupational fraud at financial institutions. Finally, a new counter-fraud model and a devised strategy were proposed based on the findings of the study, which encompasses comprehensive problem-oriented methods to manage occupational fraud risk in South Korean banking institutions.
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Usman, Ahmad Kabir. "An investigation into the critical success factors for e-banking frauds prevention in Nigeria." Thesis, University of Central Lancashire, 2018. http://clok.uclan.ac.uk/25360/.
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E-Banking frauds is an issue experienced globally and continues to prove costly to both banks and customers. Frauds in e-banking services occur due to various compromises in security, ranging from weak authentication systems to insufficient internal controls. Although some security frameworks to address this issue of fraud have been proposed, the problem of e-banking fraud remains due to the inability of these framework to deal with organisational issues. With limited research in this area, the study sets out to identify the organisational Critical Success Factors (CSF) for E-Banking Frauds Prevention in Nigeria by applying CSF theory. A framework is proposed to help improve security from an organisational perspective. The study adopted a mixture of philosophical paradigms which led to the triangulation of research methods; Literature Review, Survey and Case Studies. The Literature Review involved the synthesis of existing literature and identified potential CSF for frauds prevention in e-banking. A total of 28 factors were identified and a conceptual framework was proposed. A 5-point Likert scale survey questionnaire was sent to retail bank staff in Nigeria to rate the criticality of the factors. A total of 110 useable responses were received at a response rate of 23.9%. Similar interrelated factors were grouped using a Principal Component Analysis. Finally, case studies with 4 banks in Nigeria were carried out to deepen our understanding. The study identified a total of 10 CSF which spanned across strategic, operational and technological factor categories. These included 'Management Commitment', 'Engagement of Subject Matter Experts' and 'Multi-Layer Authentication' amongst others. In addition, new CSF such as 'Risk-Based Transactional Controls', 'People Awareness & Training' and 'Bank Agility via Data Driven Decision Making' were identified. Finally, these CSF were grouped into an e-banking frauds prevention framework. This study is a pioneer study that extends theory to propose a CSF-based frauds prevention framework for banks in Nigeria.
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Bilal, Muhammad, and Ganesh Sankar. "Trust & Security issues in Mobile banking and its effect on Customers." Thesis, Blekinge Tekniska Högskola, Sektionen för datavetenskap och kommunikation, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-3166.
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Context: The invention of mobile phones makes the human life easier. The purpose of this study is to identify security risks in mobile banking and to provide an authentication method for mobile banking transaction by using bio-metric mechanism. Objectives: Current mobile banking authentication is challenging and identified as a major security risk. Literature review shows that customer distrusts mobile banking due to security issues. The authors discuss security risks in current authentication methods in mobile banking. Methods: There are different methods and approaches to handle authentication in mobile banking. In this thesis, we propose a new approach of authentication in mobile banking. The strengths and weaknesses of existing approaches of authentication are identified with the help of Literature Review and interviews. The authors present basic transaction model and include security risks. By Literature Review it is found that finger print mechanism is a suitable method for authentication. Authors focus on authentication method and present a biometric scanning device which can identify the customer’s finger print thus enabling the customer to access mobile banking facility. Results: An authentication model is proposed through design process. The proposed biometric design was validated by conducting a workshop. The analysis of the workshop’s results showed that customer’s trust in security for mobile banking will be increased by finger print mechanism. To promote mobile banking, it is necessary to improve customer trust in terms of security. Conclusions: The authors concluded that, only authorized person will be able to use mobile banking services by incorporating bio-metric finger-print mechanism. By literature review and interview it was found that finger-print mechanism is more suitable than other ordinary mechanisms like login and password mechanism, SMS etc.Using mobile phones for mobile banking, customers can push or pull the details like Funds transfer, Bill payment, Share trade, Check order and also inquiries like Account balance, Account statement and Check status Transaction history etc. It means that the customer is interacting with the files, databases etc., of the bank . Database at the server end is sensitive in terms of security. Customers distrust mobile devices to transfer money or for making any transactions. The reason is that security is a major concern for the customer’s fulfillment. Customer’s main concern in using mobile devices for mobile banking is the authentication method used to ensure that the right person is accessing the services like transaction etc.The authors made a basic model for mobile banking transaction. All security risks were included in the transaction model. Then the authors focused on authentication method. By literature review and interview it was concluded that security can be improved by bio metric methods. The authors focused on different bio-metric mechanism and concluded that fingerprint mechanism is more suitable as it requires less storage capacity in database and identifies the uniqueness of customers. The authors suggest a possible solution by proposing finger-print mechanism model and designed a bio-metric scanning device as a solution through which customer can interact with banking system using their finger-print. The result of workshop shows that bio-metric finger print mechanism is more suitable and secure then other authentication methods for mobile banking.
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Maphakela, Madidimalo Rabbie. "A model for legal compliance in the South African banking sector : an information security perspective." Thesis, Nelson Mandela Metropolitan University, 2008. http://hdl.handle.net/10948/725.
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In the past, many organisations used to keep their information on paper, which resulted in the loss of important information. In today’s knowledge era the information super-highway facilitates highly connected electronic environments where business applications can communicate on an intra- as well as inter-organizational level. As business expanded more into the cyber-world, so did the need to protect the information they have. Technology advances did not only bring benefits, it also increased the vulnerability of companies’ information. Information, the lifeblood of an organization, must be protected from threats such as hackers and fraud, amongst others. In the highly regulated financial sector, the protection of information is not only a best practice, but a legal obligation carrying penalties for non-compliance. From a positive aspect, organisations can identify security controls that can help them to secure their information, with the aid of legal sources. But organisations find themselves burdened by a burgeoning number of legal sources and requirements, which require vast resources and often become unmanageable. This research focuses on finding a solution for South African banks to comply with multiple legal sources, as seen from an information security perspective.
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Kulkarni, Rucha. "Mitigating Security Issues While Improving Usability." University of Cincinnati / OhioLINK, 2018. http://rave.ohiolink.edu/etdc/view?acc_num=ucin153907988305034.
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Zanetti, Oliver Vivian. "Doing food security in practice : seeds, seed banking and preparations for the future." Thesis, Open University, 2013. http://oro.open.ac.uk/54706/.
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This thesis is about the banking of the seeds of food plants. It considers the practices and politics of that banking in order to understand its contribution to future food security scenarios. The thesis expands upon existing literature to provide new analytical and empirical insights into the preservation of biological materials. It does so by examining how practices undertaken in seed bank settings function to make seeds into materials of use to food security practitioners; an outcome which is achieved by the incorporation of banked seed into the framework of plant genetic resources. The thesis also contributes to knowledge on food security, by examining the function of those plant genetic resources within the food security milieu. First, the temporalities engendered by seed banking are analysed. Here, it is argued that seed banking assists in enhancing food security by acting as a mechanism which folds the plant genetic resource materials of the past and future together through work undertaken in the present. Second, the material politics of plant genetic resource preservation in a food security setting are explored, and a case is made for a framework by which seed may be banked "well"; a framework which is hinged on seed materiality. Overall, the thesis makes two key claims. First, that food security should not be regarded as a state that can be reached, but rather as an ongoing process of strengthening the food system as a whole. Second, that seeds must be regarded as materials with agency in seed banking practice, agency which impacts upon the practice of seed banking itself and on the wider political setting of that practice.
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Lych, Oleg. "Součastný stav a perspektivy rozvoje internetového bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-73340.
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The thesis deals with the most recent and discussed issue of the safe provision of direct banking services. Although surveys indicate that users of banking online services do not show much concern about the safety of the internet banking, the reality is quite different. Banking houses put a lot of emphasis on the information embargo and their clients will never learn about the majority of attacks. Due to higher demands for the safety of direct banking applications compared to conventional applications, made available over the Internet are subject to increasing security demands, and there are a number of recommendations and standards that should be followed for the Internet banking to be considered truly safe. However, even if there is a full compliance with all ISO standards and the situation in security remains critical. Therefore, there is a need for broader use of security methods. This thesis carries out a very comprehensive analysis of all existing security methods and recommends new security methods. For better clarity, the new method embedded in the context of existing and they are viewed from different angles as the effectiveness of authentication methods to the threats, the appropriateness of methods according to the segment, application methods in various channels, customer relationship and hardware components of the method, comfort, etc. Finally, I use the Gartner's chart to better illustrate the advantages of the proposed methods.
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Popo-ola, Arnold, and Sunday Olowookere. "Accessing E-banking based on Resilient Transaction." Thesis, Blekinge Tekniska Högskola, Avdelningen för för interaktion och systemdesign, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-3496.
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The adoption of Electronic Banking by commercial enterprise has been in existence since the mid 90s, much greater in number due to lower operating costs associated with it. Electronic banking has been in the form of automatic teller machines and telephone transactions. More recently, it has been transformed by the Internet, a new delivery channel for banking services that benefits both customers and banks. Access is fast, convenient, and available around the clock. Furthermore, customer’s application for electronic banking facilities is expanding as the cost savings on transactions over the internet are significant. The chances and threats that the internet symbolizes is no longer news to the present day banking sector. No traditional bank would dare face investment analysts without an Internet strategy. Moreover, business success is not guaranteed by a detailed and thoughtful approach to the internet. The main intention behind the commencement of electronic banking services is to provide the customers with an alternative that is more responsive and with less expensive options. With options just a click away, customers have more control than ever. Their expectations are usability and real-time answers. They also want personal attention and highly customized products and services. This research intends to see how electronic banking has improved the efficiency and effectiveness in the bank, take a look at the security measures on ground and also profer a solution that can eradicate fraud in electronic banking.0046735816227, 0046739957286, 004660805115
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Janahi, Yusuf M. A. M. "Factors affecting the adoption of Internet banking in the Kingdom of Bahrain." Thesis, University of Bradford, 2016. http://hdl.handle.net/10454/15884.
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The emergence of the Internet in business as a marketing tool and as a communication medium is one of the existing challenges for the banking industry. Because of this evolution, the banking industry has adopted Internet banking both for financial transactions and for the provision of information about products and services. Based on the ideas mentioned, this study aimed to examine the factors which may affect the intention to use Internet banking in the Kingdom of Bahrain with the following research objectives to be achieved: first, to identify the factors which affect the intention to use and adopt Internet banking in the Kingdom of Bahrain; second, to develop a model based on the identified factors that affect the intention to use Internet banking in the Kingdom of Bahrain; and third, to test the reliability and validity of the proposed model and find its implications on the intention to use and adopt Internet banking. In this study, five variables were initially chosen, namely, perceived privacy protection, perceived security protection, perceived trust, perceived information quality and perceived risks/benefits that may affect the intention to use Internet banking. Besides the five variables, two more variables were included: cultural dimension and biometric technology to measure a significant relationship with any of the five variables that might affect the intention of bank customers to use Internet banking in Bahrain. As a quantitative method of research, the study focused on assessing the co-variation among naturally occurring variables with the goal of identifying predictive relationships by using correlations or more sophisticated statistical techniques. In analysing the data, the descriptive statistics were used. In addition, construct reliability and discriminant validity tests were conducted and structural equation modelling were used to test the research model and verify the hypotheses. The cultural context has rarely been commented on in previous research, but as a result of taking this factor into account in addition to the more technical issues, a number of practical implications became evident for banking in Bahrain that may have applicability elsewhere in the Arab world. These include both a focus on relationship management as well as the need for additional levels of security through biometric fingerprinting to be implemented by banks wishing to increase the adoption of Internet banking amongst existing customers. These strategies also have potential to attract new market segments.
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H, Daryani Sara, and Pouria Taslimi. "Integrated Security by using MPLS-VPN for Retail-Banking Network : Case study Mehr bank, Iran." Thesis, Halmstad University, School of Information Science, Computer and Electrical Engineering (IDE), 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-4833.
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The studied application area is a private bank with different branches located in different provinces around the country. There was not integrated security solution to provide communication among different branches. Some of these branches could communicate through the satellite and the others could communicate through a different technology, such as asynchronous transfer mode (ATM).
Different bank security policies were applied and maintained for different branches separately. In addition, the number of branches is expected to grow during coming year in each province.
The old topology was partial mesh and it could not support enough redundancy in case of disruption. If a connection between two branches failed, other branches might lose their connectivity as well. In addition, it could not achieve optimum routing.
Providing integrated quality of service (QoS) for the wide area network (WAN) by using different technologies is not easy to achieve, and it causes so many problems for the system. The bank uses a variety of protocols for different applications, depending on its demand, so the new applied technology should not depend on protocols, or at least should support different protocols at a same time. In the old technology, the bank was responsible for granting availability and connectivity maintenance. Providing proper bandwidth is an important aspect in the bank scenario and for the old technology; supplying enough bandwidth was costly.
As mentioned above, the old applied technology was dependent upon different protocols. Therefore, packets in different open system interconnection layers (OSI layers) would have to check thoroughly to find the source/ destination address, data and so on, to reach the correct destination. This might cause security problems for entire system. In addition, processing packet in each layer of the OSI model is time consuming.
One important aspect for the retail-banking scenario is considering all features of the security domain, such as security policy, information security, physical security, access level control, integrated security for the system and so on. Some features of the security domain in this project were not covering completely, such as integrated information security, merged security policy, and integrated physical security for the system.
In this project, all mentioned problems are solved by implementing a specific communication technology which can overcome the problems above. This technology supports multiple protocols, and it provides fast and secure communication. It can also cover redundancy and it does not cost as much as previous technologies like ATM and satellite. Easy provisioning is one feature of this technology. In this technology, the service provider is responsible for granting availability and connectivity maintenance.
The mentioned features of the security domain, which were not covered by the old technology, will be covered by a proper, integrated security solution. The IP-based physical security systems provide centralized monitoring and they can define a merged security policy for all different branches around the country. Specific, pre-defined scenarios are created for different events in different situations.
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Koskosas, Ioannis Vasileios. "A socio-organizational approach to information systems security management in the context of internet banking." Thesis, Brunel University, 2004. http://bura.brunel.ac.uk/handle/2438/5207.
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This thesis takes a social and organizational point of view for studying information systems security in the context of internet banking. While the internet provides opportunities for businesses to extend their public network infrastructure, reduce transaction costs, and sell a wide range of products and services worldwide, security threats impede the business. Although, a number of valuable information systems security approaches have been developed through the years they tend to offer narrow, technically oriented solutions and they ignore the social aspects of risks and the informal structures of organizations. To this end, there is an emphasis in the literature to adopt a socio-organizational approach to information systems security (ISs) management. This thesis is based on the assumption that information systems security in the context of internet banking can be efficiently investigated and understood through a systematic and comprehensive study of various social organizational aspects in the goal setting context. To this end, the thesis presents a novel approach to the management of information systems security based on the use of the performance pyramid model. Using previous research in the social organizational literature this work examines the interrelationship of trust, culture, and risk communication and their possible effect on the level of goal setting within the context of information systems security management with a focus on internet banking. It explores and discusses the process of goal setting in the context of risk management. Based on the proposed performance pyramid model this research identifies the determinants of trust, culture, and risk communication as well as the determinants of goal commitment at macro level. The thesis contributes to interpretive information systems research with the in-depth analysis and study of the social organizational concepts in a security management context and its grounding within an interpretive epistemology. It emphasises the importance and interrelationship between different socio-organizational aspects of goal setting theory and demonstrates the values of each aspect in the information systems security domain thus contributing to a rich insight in the particular empirical research context.
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Machiridza, Memory. "Misalignment - the core challenge in integrating security and privacy requirements into mobile banking application development." Master's thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/20416.
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This study identifies and explores the core challenge faced when integrating security and privacy requirements into the mobile banking software development life cycle. Studies on key issues in Information Systems (IS) have been on-going for several decades, with security and privacy moving up the ranks of top issues in IS. Security and privacy requirements can be added into the mobile application development processes by practising secure coding, and/or, by adding a third party security tool. This study gathered data from a single case study; it employs grounded theory methodology to reveal misalignment as the core challenge to integrating security and privacy requirements into mobile banking application development. The forms of misalignment are between security and privacy requirements and (1) external entities, (2) roles, (3) skills and (4) system requirements. The nature of the mobile application domain results in the misalignment forms identified above. Some of the findings indicate the need for further research. Research indicates that mobile application development follows agile methods for development. Agile methods have been compared with Complex Adaptive Systems (CAS). For this reason, research in IS could benefit from studies that focus on CAS as a theory to provide a better explanation on the misalignment issues in mobile application development.
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Law, Kritika. "Impact of perceived security on consumer trust in online banking a dissertation submitted to the Graduate Faculty of Design and Creative Technologies, AUT University in partial fulfilment of the requirements for the degree of Master of Computer and Information Sciences." Abstract. Full dissertation, 2007.
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Theerthagiri, Dinesh. "Reversing Malware : A detection intelligence with in-depth security analysis." Thesis, Linköping University, Department of Electrical Engineering, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-52058.
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More money nowadays moves online and it is very understandable that criminals want to make more money online aswell, because these days’ banks don’t have large sums of money in their cash box. Since there are many other internalrisks involved in robbing a bank, criminals have found many other ways to commit crimes and much lower risMore money nowadays moves online and it is very understandable that criminals want to make more money online as well, because these days’ banks don’t have large sums of money in their cash box. Since there are many other internal risks involved in robbing a bank, criminals have found many other ways to commit crimes and much lower risk in online crime. The first level of change involved was email-based phishing, but later circumstances changed again.
Authentication methods and security of online bank has been improved over the period. This will drastically reduce effects of phishing based on emails and fraudulent website. The next level of online bank fraud is called banking Trojans. These Trojans infect the online customers of banks. These Trojans monitors customer’s activities and uses their authenticated session to steal customers’ money.
A lot of money is made by these kinds of attacks. Comparatively few perpetrators have been caught, and the problem is getting worse day by day. To have a better understanding of this problem, I have selected a recent malware sample named as SilentBanker. It had the capability of attacking more than 400 banks. This thesis presents the problem in general and includes my results in studying the behaviour of the SilentBanker Trojan.
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Abu-Musa, Ahmad Abdel-Salam. "Evaluating the security of computerised accounting information systems : an empirical study on the Egyptian banking industry." Thesis, University of Aberdeen, 2001. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=153275.
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Brock, Linda. "The Market Value of Information System (IS) Security: An Event Study of e-Banking Service Providers." NSUWorks, 2012. http://nsuworks.nova.edu/gscis_etd/102.
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Understanding the financial value resulting from IS security investments is critically important to organizations focused on protecting service confidentiality, integrity, and availability in order to preserve firm revenues and reputations. Quantifying the financial effect from IS security investments is difficult to derive. This study investigated the relationship between e-banking investments in IS security and their market value impacts.
Using an event study approach, the author captured e-banking firm specific data and isolated the IS security effect through the measured change in market values. The author hypothesized that announcements of IS security investments would result in statistically significant changes in market values. The author also hypothesized two sub-segments of the selected security investment data, technology and people, would support statistically significant changes in the market values of e-banking service providers. The hypotheses were tested by measuring stock market reactions to the IS security announcements selected from an eight-year period (2003-2010).
Study findings indicated statistically significant market reactions for e-banking firms making IS security investment announcements and suggested that investors rewarded IS security technology investments more highly than e-banking firms making IS security people-focused investment announcements. The author concluded that because investors understand that mandatory regulatory compliance represents an e-banking firm's commitment to creating a secure computing environment, e-banking information systems are perceived as secure therefore, disclosing IS security investments results in weak changes to market values. Ultimately effective management of IS security requires acceptance of the idea that it is not technically feasible or financially viable to implement protections for all identified IS security risks therefore IS security investments must be effectively measured and risk levels consciously selected in order to implement the right technical and operational protections to support a firm's selected risk posture. The study contributes to the event study literature as well as the literature examining the economic effects of information systems security.
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Sardar, Kashif, and Salman Shamim. "Electronic banking & e-readiness adoption by Commercial Banks in Pakistan." Thesis, Linnaeus University, School of Computer Science, Physics and Mathematics, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-5989.
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This study firstly examines the current literature concerning the electronic banking problems during implementation of electronic problems in Pakistan and causes that hinders this process. To investigate in the real-time scenario we have taken the case study of Muslim Commercial Bank Limited in Pakistan in order to understand “why” and “how” the electronic banking could not be implemented successfully.
The data was collected via interviews, surveys and bank website. Both qualitative and quantitative research approach has been used to investigate and have proper understanding of current e-banking issues. We have sent questionnaire to bank employees and interviews were conducted by the bank mangers. The response of interviews and surveys shows that there are certain issues that hinder the use of e-banking in Pakistan. In-spite of the fact that internet banking has been started in Pakistan, people are still using the old manual system to do the banking transaction, popularity of cash system, waiting in long queues for hours and lacking of proper computer education and trust etc are the major problems that are hurdles in electronic banking. On the other side there are a lot of reasons that the banks did not concentrate on internet banking and cash flow is still popular in banks and internet banking was used by the banks for the limited services.
Last years a lot of changes has been done and a greater understanding have been developed and now banks are offering various online banking services but banks are facing the problem of customer awareness regarding security and privacy of using Internet banking services as still customers are reluctant to use the online banking services so they prefer to come to banks and deposit the money by hand. So we have investigated these hindrance in our research and also we put some light on what are the advantages in using electronic banking and the how the customers are getting benefit by using e-banking in Pakistan.
We have developed our own model based upon the prior research. The results were presented in detail based upon the interview and questionnaire and later on we have given recommendations so that e-banking concept can be implemented in Pakistan and suggestions which can be very helpful for the future research
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Cheang, Sek Lam. "Electronic commerce and security : risk identification and management." Thesis, University of Macau, 2001. http://umaclib3.umac.mo/record=b1636215.
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Aspvik, Daniel Weenås, and Preben Weenås Aspvik. "Contemporary Online Banking Fraud in Norway : A case study." Thesis, Linnéuniversitetet, Institutionen för informatik (IK), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-97710.
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Banks are currently battling rising of fraudulent activities as it damages their relationship with their customers. Online banking fraud is decreasing trust and confidence among the customers and decreasing operating performance and increasing cost for the banks. This paper looks at online banking fraud in Norway and answers the research questions (1). How are bank customers attacked through the internet? and (2). How are banks trying to prevent fraudulent attacks against their customers? Interviews and document collection were used for data gathering, and in total, four interviews were conducted with academics and business professionals. The data were analysed using thematic analysis. The findings suggest that BankID fraud, Card fraud, CEO fraud, Investment fraud, Love scams and Phishing are among the most frequent attacks in Norway at present. Attacks contain elements of social manipulation, constantly change and are customized to target victims. The attacks have in common that they all are showing patterns of professionalizing. The study found that Norwegian banks are technologically advanced regarding fraud detection and authentication, and have put efforts into awareness against online banking fraud. However, the main issue of online banking fraud in Norway is seemingly grounded in the interactions made by the customers with the technology and not the prevention system the banks deploy.
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Boström, Andersson Jesper, and Jonas Nygren. "Security Theater i digitala applikationer : En illusion för att förstärka känslan av säkerhet." Thesis, Högskolan Kristianstad, Fakulteten för ekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-18768.
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Datorkraft och hastighet har på senare år ökat exponentiellt, men våra förväntningar och mentala modeller om vad datorsystem är kapabla till har inte följt med. I fall där människor inte tror på att systemet kan utföra de uppgifter som begärs så snabbt som de gör kan artificiell väntan appliceras för att förväntningarna ska komma närmare verkligheten. Syftet med denna studie är att undersöka ifall security theater fungerar i kontexten av bankapplikationer och vad som händer med användarens förtroende ifall illusionen av säkerhet brister. Genom denna undersökning har vi fått fram att security theater är ett fenomen som fungerar och tillför ett värde för användaren. Dock ska kontexten ifråga utvärderas noggrant, då security theater i fel kontext kan ses som ett störande moment. Vi kom fram till att majoriteten av testpersoner inte påverkas negativt, och istället ser security theater som ett värde även efter illusionen genomskådats.Computer power and speed have increased exponentially in recent years, but our expectations and mental models of what computer systems are capable of have not kept up. In cases where people do not believe that the system can perform the requested task as quickly as they do, an artificial wait can be applied to closer match the reality. The purpose of this study is to investigate whether security theater works in the context of banking applications and what happens with the users trust if the illusion of security fails. Through this paper we have found that security theater is a phenomenon that works and adds value to the user. However, the context in question must be carefully evaluated, as security theater in the wrong context can be seen as a disturbing element. We came to the conclusion that the majority of our test subjects are not negatively affected, and instead sees the value in security theater even after the illusion have been revealed.
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Різник, Н. С. "Сутність і класифікація цілей у стратегічному забезпеченні безпеки банківської установи." Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/61857.
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Pařil, Jan. "Bezpečnost elektronického bankovnictví." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224776.
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The main focus of the thesis is an electronic banking and security. The work includes evaluation the current state of security of electronic banking, the possible threats of attack on electronic banking and risks of security breaches. The next part focus on user satisfaction with e-banking security using a questionnaire. Are recommended new forms of security.
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Eduardo, Ana Teresa Caldinhas. "Internet banking em Portugal: evolução e implicações de uma inovação radical." Master's thesis, Universidade de Évora, 2013. http://hdl.handle.net/10174/16091.
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A internet banking é uma importante inovação que surgiu no setor financeiro e que permite efetuar a maioria das operações bancárias através de uma plataforma ligada à internet, em qualquer lugar e a qualquer hora. Esta dissertação aborda a introdução e evolução da internet banking em Portugal, uma das inovações mais importantes do século XX no setor bancário, que transformou o modelo de negócio e a forma como os bancos interagem com os seus clientes. A sua análise empírica é feita por via da entrevista direta com algumas das principais instituições bancárias portuguesas. As principais conclusões desta investigação apontam para uma inovação de grande aceitação e relevância mas que não terá atingido ainda o seu potencial, possivelmente devido a existência da rede multibanco, que representa um canal substituto de grande eficiência e pela insegurança relacionada com os ataques informáticos. Ainda assim, esta inovação ganhou importância devido ao seu uso generalizado, ao constituir-se como um novo canal de acesso do cliente ao seu banco, mudando o paradigma desta relação e a forma como o funcionamento do banco passou a estar cada mais automatizado e menos dependente da ação humana; ABSTRACT: The internet banking is an important innovation that emerged in the financial sector and which allows banking customers to perform most banking transactions through a platform connected to the Internet, anywhere and at anytime. This dissertation examines the introduction and evolution of internet banking in Portugal, one of the most important innovations of the twentieth century in the banking sector, which has transformed the banking business model and the way banks interact with their customers. The empirical analysis was carried out through direct interviews with some of the main Portuguese banks. The main conclusions of this research point to an important innovation of great acceptance that has not yet reached its potential, possibly due to the ATM network which represents a substitute channel highly efficient and the insecurity related to online attacks. Nevertheless, this innovation has gained importance due to its general use, constituting itself as a new channel for customer bank access, has changed the paradigm of the customer-bank relationship and changed the the way banks work and are organized by allowing them to become increasingly automated and less dependent on human action.
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Дмитрієв, Є. Є. "Фінансові індикатори безпеки банківської системи як показники її конкурентоспроможності." Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/62064.
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Krivjanská, Lucie. "Elektronické bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-150259.
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Dissertation purposes Analysis of electronic banking concerning the pricing policy of Czech banks. The banks with long-term history are compared with "new" banks that are still not so stabilized on the market. The dissertation is focused especialy on the monthly fee that the client has to pay when using the services of these banks. Methods Presentive analysis is used in all of this dissertation which interprets data obtained by an interview and bank's databases. Comparative method is used in the analytical section to clearly interpret processed data. Results The comprehensive analysis of six Czech banks and it's pricing policy of electronic banking is the outcome of the dissertation. The conclusion and data interpretation can be used for the clients when choosing a new bank. The analysis is based on the monthly fee that the clients have to pay in every selected bank with respect to their requests.
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Karagöz, Elin. "Managing Innovation of Payments : A Study of Regulatory Compliance Within Swedish Banking." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-279621.
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This study investigates challenges that emerge for Swedish incumbent banks when pursuing compliance with IT security regulations, while simultaneously striving towards innovation in order to maintain market competitiveness in terms of digital payment service offerings. As competition increases within the payment service industry, developing innovative services becomes increasingly important. At the same time, it is essential that these solutions maintain a high level of IT security, both in terms of the preservation of customer trust as well as in terms of compliance with financial regulations. Consequently, the aim of this study was to contribute to research from an incumbent banking perspective, where theory together with a qualitative case study has revolved around the topics of technology, compliance, and innovation in the pursuit of identifying key challenges. The study included a series of interviews with respondents within banking, IT security, and compliance management. This resulted in three principal challenges regarding compliance and innovation within payment services at incumbent banks, along with proposed actions to be taken. Firstly, the necessity of incrementally transitioning from legacy infrastructure towards modernized platforms was established. Secondly, banks are encouraged to make trade-offs between regulations and deploying new products and services. Finally, for banks to engage in communication and collaboration within the organization as well as with regulators can facilitate compliance as well as promoting harmonization of regulations.Denna studie undersöker de utmaningar som svenska storbanker står inför i en digitaliserad miljö där både IT-säkerhet och innovation behöver tillgodoses för att upprätthålla konkurrenskraft gällande betaltjänster. Då konkurrensen ökar inom betaltjänstsektorn blir utvecklingen av innovativa tjänster allt mer betydelsefull. Samtidigt är det viktigt att dessa lösningar håller en hög nivå av IT-säkerhet, dels för att bibehålla kundförtroende, men också för att banker lyder under finansiella regelverk. Följaktligen var syftet med denna studie att bidra till kunskap om utvecklingen av framtidens betaltjänster. Teori och empiri kretsade kring områdena teknik, regelverk och innovation, med en strävan att identifiera huvudutmaningar på området. I en kvalitativ fallstudie inkluderandes en serie intervjuer med experter inom banksektorn och ITsäkerhet. Resultaten visade att de viktigaste utmaningarna kopplat till regelefterlevnad och innovation inom betaltjänster för storbanker är nyttjandet av föråldrad teknik, behovet av en avvägning mellan att uppfylla regelverk och utveckling av nya produkter och tjänster, och slutligen kommunikation och samarbete inom både organisationen och med lagstiftare.
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Швагер, Ольга Андріївна, Ольга Андреевна Швагер, and Olha Andriivna Shvaher. "Actual problems of the legal regulation of the guaranteeing (insurance) system of individuals’ deposits." Thesis, The Scientific Association of Economists and Lawyers "Fundacio", 2014. http://essuir.sumdu.edu.ua/handle/123456789/59446.
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The stability of the banking system depends directly on the resource capacity, i.e. on the availability of the sufficient amount of deposit funds. To attract these funds the state is obliged to ensure adequate and equitable regulation of the activity on attraction of deposits and ensuring the rights of depositors. In connection with this, it is necessary to consider some of the issues that arise from the application of certain regulatory legal acts that regulate legal relations arising in the guarantee system of individuals’ deposits in Ukraine.Стабільність банківської системи безпосередньо залежить від ресурсної наповнюваності, тобто від наявності достатньої кількості депозитних коштів. Для залучення таких коштів держава зобов'язана забезпечити достатню і справедливе регулювання діяльності по залученню внесків і забезпечення прав вкладників. У зв'язку з цим необхідно розглянути деякі питання, які виникають внаслідок застосування норм окремих нормативно-правових актів, які регулюють правовідносини, що виникають у системі гарантування вкладів фізичних осіб в Україні.
Стабильность банковской системы напрямую зависит от ресурсной наполняемости, то есть от наличия достаточного количества депозитных средств. Для привлечения таких средств государство обязано обеспечить достаточное и справедливое регулирование деятельности по привлечению вкладов и обеспечению прав вкладчиков. В связи с этим необходимо рассмотреть некоторые вопросы, которые возникают вследствие применения норм отдельных нормативно-правовых актов, которые регулируют правоотношения, возникающие в системе гарантирования вкладов физических лиц в Украине.
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Шевцова, О. Й. "Банківська система в контексті економічного розвитку та економічної безпеки." Thesis, Українська академія банківської справи Національного банку України, 2005. http://essuir.sumdu.edu.ua/handle/123456789/62248.
Full textAbstract:
Останнім часом однією з актуальних проблем, що розглядається у
контексті розвитку економіки, формування і реалізації моделі сталого
економічного розвитку країни, є вирішення комплексу завдань щодо
забезпечення, по-перше, економічної безпеки країни, а, по-друге, її важливої
складової – фінансової безпеки економіки.
Фінансові відносини, що є основою виникнення загроз щодо фінансової
безпеки, пронизують усі сектори економіки. Реальний сектор опосередкований
фінансовими послугами. Рівень його функціонування впливає на фінансові
відносини. Та, навпаки, якість фінансових послуг є фактором ефективної
діяльності реального виробництва.
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Борисова, А. М. "Загрози інформаційній безпеці у банківських установах." Thesis, Сумський державний університет, 2013. http://essuir.sumdu.edu.ua/handle/123456789/34067.
Full textAbstract:
На сьогодні інформація відіграє особливу роль у процесі розвитку цивілізації. Особлива значимість інформації проявляється саме для банківської сфери, що напряму пов’язана із її специфікою, тобто неможливістю здійснення банківської діяльності без інформації. Можна стверджувати, що саме грошові кошти та інформація є «двигуном» усієї банківської діяльності.
При цитуванні документа, використовуйте посилання http://essuir.sumdu.edu.ua/handle/123456789/34067
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Madebwe, Charles. "An investigation into the role played by perceived security concerns in the adoption of mobile money services : a Zimbabwean case study." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017933.
Full textAbstract:
The ubiquitous nature of mobile phones and their popularity has led to opportunistic value added services (VAS), such as mobile money, riding on this phenomenon to be implemented. Several studies have been done to find factors that influence the adoption of mobile money and other information systems. The thesis looks at factors determining the uptake of mobile money over cellular networks with a special emphasis on aspects relating to perceived security even though other factors namely perceived usefulness, perceived ease of use, perceived trust and perceived cost were also looked at. The research further looks at the security threats introduced to mobile money by virtue of the nature, architecture, standards and protocols of Global System for Mobile Communications (GSM). The model employed for this research was the Technology Acceptance Model (TAM). Literature review was done on the security of GSM. Data was collected from a sample population around Harare, Zimbabwe using physical questionnaires. Statistical tests were performed on the collected data to find the significance of each construct to mobile money adoption. The research has found positive correlation between perceived security concerns and the adoption of money mobile money services over cellular networks. Perceived usefulness was found to be the most important factor in the adoption of mobile money. The research also found that customers need to trust the network service provider and the systems in use for them to adopt mobile money. Other factors driving consumer adoption were found to be perceived ease of use and perceived cost. The findings show that players who intend to introduce mobile money should strive to offer secure and useful systems that are trustworthy without making the service expensive or difficult to use. Literature review done showed that there is a possibility of compromising mobile money transactions done over GSM
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Sun, Yan. "An investigation into financial fraud in online banking and card payment systems in the UK and China." Thesis, Loughborough University, 2011. https://dspace.lboro.ac.uk/2134/8290.
Full textAbstract:
This doctoral thesis represents an investigation into financial fraud in online banking and card payment systems in the UK and China, involving network security, online financial transactions, internet fraud, card payment systems and individuals' perception of and behaviours towards electronic environments. In contrast to previous studies, the research questions were tackled by survey questionnaires both in the UK and China, with a particular interest in fraud and attempted fraud. The main findings from the UK respondents were that those with higher IT skill and younger respondents are more likely to be defrauded on the internet. Certain types of online activities are associated with higher risks of fraud, these being internet banking; online shopping and media downloading. Furthermore, four predictors (internet banking, online education services, downloading media and length of debit card usage) provided significant effects in the logistic regression model to explain fraud occurrence in the UK. Based on the data collected in China, younger respondents were more likely to have higher general IT skill and higher educational qualifications. However, online shopping was the only online activity which was significantly correlated to fraud occurrence. Finally, two predictors (frequency of usage of online shopping and number of debit cards) were selected in the logistic regression model to explain fraud occurrence in China.
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Johansson, Elin, and Gabriella Elvin. "The impact of organizational culture on information security during development and management of IT systems : A comparative study between Japanese and Swedish banking industry." Thesis, Uppsala universitet, Avdelningen för datalogi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-324923.
Full textAbstract:
The objective of this study is to investigate how banks are working with information security by performing a comparative study between banks in Japan and Sweden. Special focus is given to the impact of organizational culture when developing IT-systems. The material analyzed is collected through semi-structured interviews with banks in Japan and Sweden, and additional interviews with professionals within the field of information security. The findings show that banks in both Japan and Sweden take information security seriously, both from a technical and an organizational culture point of view. They have implemented technological countermeasures and try to impose a safety culture by educating their employees. Organizational culture aspects are demonstrated to have a great impact on the development of IT systems from an information security perspective. The development process of IT systems are different between the countries, the Swedish banks have started to use the agile development method, while the Japanese banks still use the more traditional waterfall method. The result also implies that in Sweden there is an open climate and a greater trust between the banks which have lead to collaboration between the major banks and the development of innovative products. In Japan it is more difficult for the banks to create trustworthy relationships and share their information security knowledge to the same extent. The findings strengthen the notion in related research that cultural aspects have influence on how information security is managed.
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Hsiao, Chih-Wen, David Turner, and Keith Ross. "A secure lightweight currency service provider." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2594.
Full textAbstract:
The main purpose of this project is to build a bank system that offers a friendly and simple interface to let users easily manage their lightweight currencies. The Lightweight Currency Protocol (LCP) was originally proposed to solve the problem of fairness in resource cooperatives. However, there are other possible applications of the protocol, including the control of spam and as a general purpose medium of exchange for low value transactions. This project investigates the implementation issues of the LCP, and also investigates LCP bank services to provide human interface to currency operations.
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Isgren, Cassandra, and Madeleine Ivarsson. "“Banking is no longer somewhere you go but something you do” : En kvantitativ studie om acceptans av finansiell rådgivning via onlinemöte." Thesis, Högskolan Kristianstad, Sektionen för hälsa och samhälle, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-15627.
Full textAbstract:
Förändringen av dagens bankmarknad sker successivt, en ny form av bankkontor med digitalisering etableras samtidigt som fysiska bankkontor avvecklas. Digitaliseringen har lett till att bankerna utvecklat en ny rådgivningstjänst, onlinemöte, som innebär att banker kan erbjuda finansiell rådgivning på valfri plats. Technology acceptance model och institutionell teori är diskuterade forskningsområden men är relativt outforskade i den empiriska kontexten för finansiell rådgivning via onlinemöte. Tidigare forskning har redovisat att faktorerna företagsimage, upplevd säkerhet samt webbplatskvalitet har en påverkan på bankkunders förtroende, men framhävt faktorn förtroende som avgörande vid acceptans av online-bankingtjänster. Studiens syfte är att skapa en förståelse gällande bankkunders acceptans av den nya rådgivningstjänsten onlinemöte. Studien har en positivistisk och deduktiv ansats som tillämpats i form av hypotesprövning. En kvantitativ metod präglar studien som genomfördes med datainsamlingsmetoden internetenkät. Resultatet av studien har baserats på 118 respondenter. Studiens resultat påvisar att bankkunder framhäver faktorn förtroende betydelsefull för dess acceptans av finansiell rådgivning via onlinemöte. Faktorn förtroende förklaras ha en medierad roll genom att faktorerna upplevd säkerhet och företagsimage kan reglera bankkundernas förtroende till rådgivningstjänsten onlinemöte. Faktorerna upplevd säkerhet och företagsimage påvisas medierade av faktorn förtroendet, eftersom de inte kunde påvisas ha signifikant direkt effekt för acceptans av rådgivningstjänsten onlinemöte. En begräsning i studien har varit att endast respondenter som genomfört ett traditionellt rådgivningsmöte via ett bankkontor har studerats. Studien bidrar med ett värde till Sveriges banker eftersom studien påvisar att faktorerna är betydelsefulla att beakta vid etablering av den nya rådgivningstjänsten onlinemöte.The ongoing changes in today's banking market is taking place gradually, a new form of bank branches with digitization are established while the physical bank branch shuts down. Digitalization has led to banks developed a new financial advisory service, online meeting, which means that banks can provide their banking clients with financial advice at any location. Technology acceptance model and institutional theory are widely researched and debated research fields but have a research gap within the context of financial advice through online meeting. Previous research has identified that corporate image, perceived security and website quality has an impact on banking customers' trust, but trust is emphasizing as important for acceptance of online banking services. The purpose is to create an understanding of the banking customer’s acceptance of online meeting. The study has a positivistic and deductive approach, applied by hypothesis tests. A quantitative method characterizes the study and were conducted using an internet survey. The result of the study is based on 118 respondents. The results indicate that banking customers emphasize trust as important for the acceptance of online meetings. Trust declared a mediating role because perceived security and corporate image can regulate banking customer trust to online meetings. Trust has a mediating role because perceived security and corporate image couldn’t show a significant effect on the acceptance of online meeting. The study is limited to have researched only respondents who had completed a traditional financial advice session through a bank branch. The study contributes with value to the banks, because it can be demonstrated that these factors are important to take into account with the establishment of online meeting.
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Hulse, Colin D. "Effects of Deregulation on Retirement Savings." Scholarship @ Claremont, 2012. http://scholarship.claremont.edu/cmc_theses/536.
Full textAbstract:
The implementation of deregulation in the financial industry has shown both positive and negative effects on the average investor’s ability to save for retirement. The increase in financial investment products and supplements to saving has provided the average investor with many more opportunities to manage his/her wealth in order to save for retirement. This paper will examine the evolution of basic savings accounts offered by commercial banks in the early 1900s to the broadening of investment opportunities in the 1990s. The paper discusses the effects of three deregulatory acts on the average investor’s ability to accumulate wealth for retirement. These acts include: The Depository Institutions Deregulatory Monetary Control Act of 1980, Garn-St. Germain Depository Institutions Act of 1982, and the repeal of Glass-Steagall Act of 1933 through the Gramm-Leach-Bliley Act of 1999. Each of these deregulatory measures played a significant role in the changing of investment and savings behavior of the average investor and the definition of retirement in general.
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Дмитрієв, Є. Є. "Оцінювання фінансової безпеки банківської системи в процесі підвищення її конкурентоспроможності." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/62778.
Full textAbstract:
Процеси, що відбуваються у світовій економічній системі, ставлять
перед національними економіками нові виклики. Оскільки економічні
кризи перемістилися з реального сектора економіки до фінансової сфери, ефективна протидія потенційним викликам та загрозам можлива лише за умови розвиненості та конкурентоспроможності національної фінансової системи.