Relevant bibliographies by topics / Benefits -electronic banking

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters

Academic literature on the topic 'Benefits -electronic banking'

Author: Grafiati
Published: 24 April 2022

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Journal articles on the topic "Benefits -electronic banking"

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Rahman, Mohammad Masudur, Muhammad Ataur Rahman, and Md Neshat Fahmed. "An Analysis of Customer Perceptions on Services of Electronic Banking in Bangladesh." International Journal of Business and Management 12, no. 1 (December 28, 2016): 169. http://dx.doi.org/10.5539/ijbm.v12n1p169.

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The use of Internet is growing rapidly in all business sectors to maintain effective relationships with customers, suppliers, distributors and many other parties. Banking sector is receiving the benefits of Internet by providing online services to the customers. Online services of banks are very useful for the internal employees and the customers where popularity of banking is increasing gradually. The benefits of E-Banking are enormous for both the financial institutions and bank customers. These benefits are the basis for the growth of the E-Banking. For the bank customers, the biggest benefit of E-Banking is convenience, longer banking hours, flexibility and accessibility. Despite the benefits and advantages of E-Banking, there are drawbacks and weaknesses. In developing this study, a pre-defined methodology and procedure have been followed. The aim of this research is to evaluate customers’ perceptions on the Electronic banking services in Bangladesh.
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Ojeka, Stephen A., and O. Ailemen Ikpefan. "Electronic Commerce, Automation and Online Banking in Nigeria." International Journal of Innovation in the Digital Economy 3, no. 1 (January 2012): 11–26. http://dx.doi.org/10.4018/jide.2012010102.

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Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions. More recently, it has been metamorphosed by the Internet with a new look and delivery channel for banking services that benefits both customers and banks. The objective of this paper is to find out the correlation between the anticipated benefits/challenges and encountered benefits/challenges. This paper empirically adopted the use of survey research to explore in quantitative terms the various challenges and benefits e-business poses to Nigerian businesses, with particular reference to Banking and Finance Industry. It was found out that there is a statistically significant difference between the anticipated and encountered benefits and major challenges in the potential security breaches faced by the customers. Constant training of employees both local and international on new development in online trading should be encouraged.
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Yousef, Ragheed. "ORGANIZING INTERNAL CONTROL OVER ELECTRONIC BANKING SYSTEMS." Chronos: economy sciences 6, no. 3(31) (November 3, 2021): 29–34. http://dx.doi.org/10.52013/2712-9713-31-1-5.

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The contribution of technology in the field of banking led to a qualitative shift in the nature of banking and in the mechanism of providing banking services. Electronic banking services have achieved many benefits for both the bank and the customer. In the context of the Russian banking market, the article shows that there is an upward trend in increasing the volume and number of electronic banking transactions executed. The article focuses on the nature of electronic banking services and the new risks that came with them, and highlights the importance of internal control in controlling these risks and reducing them as much as possible. It proposes a development mechanism for internal control, guided by several factors.
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Nimbalkar, Atul Arun, and Nachiket Deodhar. "A Study of E-Services of Bank with Special Reference to Private Banks, Ahmednagar." International Research Journal of Management, IT & Social Sciences 2, no. 11 (November 1, 2015): 22. http://dx.doi.org/10.21744/irjmis.v2i11.78.

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E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking also known as EFT (electronic Fund Transfer) means transfer amount online from one account to another account rather by using physical cheque. Information technology has taken important place in the future development of financial service, specially banking sector transaction are affected more than any other financial provider groups. Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but its growing use without awareness has also attracted many crimes and frauds. Through this paper, it is tried tom discuss about growth of E-banking along with growing challenges of risk & Insecurity. Emphasis is given on awareness to be given to E-banking users and establishment of more security measures to avoid chances of misappropriation of funds and cybercrimes. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses some challenges in an emerging economy and benefits of E-banking.
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Thi Phuong Nguyen, Linh, and Hieu Vo Chi Tran. "Customer Perception towards Electronic Banking and its Relationship with Customer Satisfaction: An Evidence from Vietnam." International Journal of Business and Management 15, no. 7 (June 23, 2020): 196. http://dx.doi.org/10.5539/ijbm.v15n7p196.

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Electronic Banking (e-Banking) is a popular banking service all over the world nowadays because of its convenience and great benefits for both banks and customers. However, although e-Banking has been implemented in Vietnam for a long time, the awareness and usage of customers toward this banking service are still very low in reality. This study aims to provide an insight into customer perception of e-Banking and to figure out which areas of customer perception influence customer satisfaction of e-banking in Vietnam. A structured questionnaire was distributed to three hundred and fifty banking customers in Vietnam. The collected data were analyzed by using descriptive, Pearson’s correlation, t-test, and ANOVA with Tukey analysis. The results illustrated customer perception of e-banking in Vietnam in different areas such as convenience, speed, security, procedure, ease of use, service costs, reliability, and quality of service. There were significant differences in customers’ perception of electronic banking among ages, occupations, income levels, and frequency of using groups in Vietnam. However, variables such as gender, marital status, and education levels had no significant influence on the perceptions of electronic banking. The study also found that except service costs, other factors such as convenience, speed, security, ease of use, reliability, quality of service, and procedure are positively related to customer satisfaction of electronic banking in Vietnam. Thus, it implies that bank managers should focus on these areas to raise customer perception and customer satisfaction of electronic banking.
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Suganda, Garindra Widhiatma, and Rendra Erdkhadifa. "The Binary Logistic Regression In Modeling The Factors Of E-Banking Using For Students." Annual International Conference on Islamic Economics and Business (AICIEB) 1 (December 9, 2021): 385–95. http://dx.doi.org/10.18326/aicieb.v1i0.39.

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This research is motivated by one of the technology-based banking services, namely electronic banking. In the industrial revolution 4.0, e-banking is currently a major concern and as a bank's operational strategy for a competitive tool in marketing in the world of financial services. In winning this competition, banks need a strategy to be able to attract customers to use e-banking services in order to retain customers and increase banking profitability. This study aims to examine and analyze the effect of convenience, benefits, security, convenience and knowledge on interest in using e-banking. The research method used in this study is quantitative, using a technique purposive sampling method. The sample in this study were students of the Islamic Banking Department IAIN Tulungagung and obtained as many as 268 respondents as the research sample. The data analysis technique used binary logistic regression analysis using the SPSS 21.0 program. The results of data analysis in this study indicate that the variables of convenience, benefit, security, comfort and knowledge have a positive and significant effect on interest in using e-banking. The implication of this research is that convenience, benefit, security, convenience and knowledge have an equally important role in increasing interest in using e-banking
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Gupta, Sweety, and Anshu Yadav. "The Impact of Electronic Banking and Information Technology on the Employees of Banking Sector." Management and Labour Studies 42, no. 4 (November 2017): 379–87. http://dx.doi.org/10.1177/2393957517736457.

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In the last three decades, the banking sector has seen a profound transformation owing to the changes in the global financial environment. The major change witnessed in the banking sector has been great advances in financial innovations and technologies, which are a result of turmoil in the global financial environment. The improvement in financial innovations and technologies has made E-banking an intense part of the banking sector. E-banking has revolutionized the lives of all individuals of present times and is considered to be a wave of information revolution after the agricultural and industrial revolution. Earlier banking customers were required to personally visit a bank branch in order to transact through their saving accounts but with the arrival of Internet banking the manner in which financial transactions are carried out have changed. Although E-banking has been popular among computer literates for many years, its popularity is growing exponentially as Internet usage grows and people discover the numerous benefits that are provided by online banking. In today’s increasingly integrated financial systems facing higher volatilities, more competition and higher time constraints, E-banking has become an integral part of the global financial environment in order to meet different requirements of customers of banking sector, thereby meeting the increased expectations of the participants in Indian banking system. This study makes an attempt to analyse the impact of E-banking and information technology on the employees of banking sector.
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van Tonder, Estelle, and Daniël Johannes Petzer. "Perspectives on “other” customers’ roles in citizenship behaviour." International Journal of Bank Marketing 36, no. 2 (April 3, 2018): 393–408. http://dx.doi.org/10.1108/ijbm-02-2017-0042.

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Purpose The purpose of this paper is to examine the impact of source credibility (expertise and trustworthiness) on perceived value (perceived usefulness (PU)), as well as the latter’s impact on sub-dimensions of customer citizenship behaviour (helping and advocacy intentions (AIs)) in an electronic banking services setting. Design/methodology/approach In total, 439 respondents who use at least one form of electronic banking service and who have previously received positive messages about electronic banking services from other customers were approached to complete a self-administered structured questionnaire. Findings Source credibility dimensions have a positive and significant relationship with PU. PU in turn has a positive and significant relationship with helping intentions and AIs as forms of customer citizenship. Research limitations/implications The findings advance understanding of the extent to which customers rely on the perceptions of other customers in determining the usefulness of a service as well as their willingness to advocate the benefits of the service and help other customers. Practical implications The findings may guide retail banks in obtaining a greater understanding of the customer citizenship behaviour process and the extent to which banks can rely on customers to convince other customers of the benefits of electronic banking services. Originality/value This study offers insight into the antecedents of the advocacy and helping intentions sub-dimensions of customer citizenship behaviour. It also explains how value between customers can be created by considering the elaboration likelihood model and social exchange theories, and customer citizenship behaviour.
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Trisna Dewi, Ni Made. "Perlindungan Hukum Terhadap Nasabah Mobile Banking dalam Transaksi Perbankan." Jurnal Komunikasi Hukum (JKH) 7, no. 1 (February 2, 2021): 135. http://dx.doi.org/10.23887/jkh.v7i1.31463.

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This essay discusses the legal protection for mobile banking custumers, because the mobile banking product as one of the delivery many benefits but contain many risk on the other side that could cause losses for the custumers. Therefore, the protection for mobile banking custumers is requiered in order to protect the rights of the custumers banking servise. The study was conducted to determine how the indonesian low and regulations that protect mobile banking custumers in banking transaction in case of the error transaction electronic in review of low number 11 of 2008 on information and electronic transactionsas well as the bank’s responsibility for the mobile banking custumers in case of a transaction error. This study is a normative study with the literature research method to analyze the book of legal literature and the low number 8 of 1999 about the custumers protection, low number 10 of 1998 about the indonesia banking sistem, low number 11 of 2008 about the transaction and electronic information. The result showed that although there is no customers legislation that specificaly regulates mobile banking, but in indonesia positive legal order there are laws and regulation which has provided legal protection for mobile banking custumers. There are law number 11 of 2008 about information and electronic transaction as contained in article 1.2 and 3. The bank’s responsibility to the custumer in case of error transaction. The loss is a proxy of fullfillment of one custumers protection law. Right to copensation in accordance with the treaty law in article 1313 civil law. Then the current legislation already includes aspects of legal protection for mobile banking custumers.
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Nguyen, Danh, and Arun Kumar Gopalaswamy. "The interface between electronic banking and accounting modules." Journal of Advances in Management Research 15, no. 3 (August 6, 2018): 241–64. http://dx.doi.org/10.1108/jamr-04-2017-0048.

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Purpose There is a substantial lack of the need for adopting interface between accounting systems of companies and banks in Vietnam. The purpose of this paper is to bring out the benefits and lacunas in the adoption of interface for companies as well identify the factors that possibly could be crucial in making the interface adoption a success or failure. Design/methodology/approach The study is set in the context of case analysis and has adopted a mixed method approach. In this study, a contrast between successful adopters of interface and non-adopters of interface is discussed to identify the motivating factors for interface as well as the factors which form the barriers for non-adopters. Findings By conducting a case study-based analysis for intensive data comparison of two companies as interface adopters and two as non-adopters in Vietnam, it is found that the success of the interface adoption is influenced by inter-related factors such as the manager characteristics, industrial environment, company characteristic and innovation characteristics. Particularly, the effectiveness of the interface can be well demonstrated by cost saving, manpower reduction, data consistency, accuracy, and speed of the process. Research limitations/implications The impact on the banker is not analyzed. Furthermore, this research only focuses on the effects of interface on the electronic banking system and accounting modules in the form of electronic payment, while in reality, banks provide a variety of services which can also be explored by other researchers. Originality/value This is one of the first studies in the context of Vietnam. This study is highly relevant in the current context, given the significant growth in the number of industries and export markets in Vietnam.
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Dissertations / Theses on the topic "Benefits -electronic banking"

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CHEN, YU-SHAN, and 陳毓珊. "Electronic Banking in Risk Management And Benefit for Project C." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/34932547368039832948.

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碩士
淡江大學
財務金融學系碩士在職專班
89
The thesis is essentially focused on the research of Project C which was mainly targeted on the multi-national, multi-banking, multi-product information construction of a cross-banking, cross-industrial, and cross-border financial trading platform. A safe, reliable and swift financial service, such as global collection/payment and asset allocation and financing service, could be provided to the industry under the basis of common certificates and trust. When the factory makes an order to its supplier, with the structure of Project C, the message is promptly transmitted to the bank as a financing accordance of the supplier. Therefore the supplier can be free from anxiety about finance and processes the order on schedule. The study brings up the followings about the e-banking in risk management and benefit for Project C： 1. What are the effects of Project C to bank and to factories?2. How will the Project C affect the reduction of financing? 3. What is the effect to the Project C’s operational risk under the Basel Accord II . 4. How to assure the operational risk of outsourcing of Project C. 5. How does the trading finance work under the Project C‘s “tri-multi” (multi-national, multi-banking, multi-product)? The conclusions from the study are： A.Quantitative effects1. The rise of financing amount： 1.The bank provides higher financing amount to the suppliers, from $100 million a year to $460 million a year. 2.The rise of the increment of trading finance. The accumulative financing amount of suppliers provided by the bank increases from $480 million a year to $4.5 billion a year. 3.The descending of operating cost：The costs of operations for both the factory and the bank decrease $300 million a year at least. B.Operational risks and outsourcing risksBecause of the definition of operational risk is getting clarified, the operational risk was specially treated due to the Basle Accord II. However, the quantitative model is still under discussion. Using the Monte Carlo’s simulation to approach the value in considering the operational risk is more accurate. As the outsourcing risk aspect, the pre-construction terms and conditions were made by applying the related rules internationally： 1. contract with the outsourcing vendors 2. the vendors must provide a construction plan in detail. A good communicating mechanism between the inner and outer units and the vendors is required during the construction. The accord should be made for the education and training of employers by the vendors.
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Books on the topic "Benefits -electronic banking"

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United States. Congress. House. Committee on Banking and Financial Services. The use of electronic benefits transfer for delivery of federal and state-funded benefits: Hearing before the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, second session, March 27, 1996. Washington: U.S. G.P.O., 1996.

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Electronic funds and benefit transfers: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifth Congress, first session ... May 22, 1997. Washington: U.S. G.P.O., 1998.

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United States. Congress. House. Committee on Banking and Financial Services. Review of proposed regulations to implement EFT '99: Hearing before the Committee on Banking and Financial Services, House of Representatives, One Hundred Fifth Congress, first session, September 25, 1997. Washington: U.S. G.P.O., 1998.

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United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit. Electronic benefit transfer systems and Regulation E: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, second session, June 19, 1996. Washington: U.S. G.P.O., 1996.

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United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit. Electronic funds transfer of government benefits: Hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, U.S. House of Representatives, One Hundred Fifth Congress, second session, March 4, 1998. Washington: U.S. G.P.O., 1998.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance. Ways of increasing access of low- and moderate-income Americans to financial services: Joint hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, second session, August 11, 1994. Washington: U.S. G.P.O., 1994.

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United, States Congress House Committee on Banking Finance and Urban Affairs Subcommittee on Financial Institutions Supervision Regulation and Deposit Insurance. Ways of increasing access of low- and moderate-income Americans to financial services: Joint hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, second session, August 11, 1994. Washington: U.S. G.P.O., 1994.

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United, States Congress House Committee on Banking Finance and Urban Affairs Subcommittee on Policy Research and Insurance. Food stamp trafficking and the food stamp electronic benefit transfer program: Joint hearing before the Subcommittee on Policy Research and Insurance of the Committee on Banking, Finance, and Urban Affairs and the Subcommittee on Regulation, Business Opportunities, and Energy of the Committee on Small Business and the Subcommittee on Domestic Marketing, Consumer Relations, and Nutrition of the Committee on Agriculture, House of Representatives, One Hundred Second Congress, second session, March 18, 1992. Washington: U.S. G.P.O., 1992.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment. High frequency trading's impact on the economy: Hearing before the Subcommittee on Securities, Insurance, and Investment of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, second session, on examining the value, benefits, risks, burdens, and concerns high frequency trading creates for the economy and the marketplace, June 18, 2014. Washington: U.S. Government Printing Office, 2014.

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Budnitz, Mark E. Consumer banking and payments law: Credit, debit & stored value cards, checks, money orders, e-sign, electronic banking and benefit payments. 2nd ed. Boston, MA: National Consumer Law Center, 2002.

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Book chapters on the topic "Benefits -electronic banking"

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"Net Banking Benefits! Sheer Acceleration." In Electronic Banking, 47–52. Wiesbaden: Vieweg+Teubner Verlag, 2001. http://dx.doi.org/10.1007/978-3-322-86627-1_7.

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Adapa, Sujana, and Fredy-Roberto Valenzuela. "Case Study on Customer’s Ambidextrous Nature of Trust in Internet Banking." In Advances in Marketing, Customer Relationship Management, and E-Services, 206–29. IGI Global, 2014. http://dx.doi.org/10.4018/978-1-4666-4357-4.ch018.

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This case study provides information related to the Australian retail-banking sector and specifically about the electronic banking service delivery channels. As a Western nation, Australia is classified as a developed country with well-developed infrastructure, gross domestic product, per capita income, and economic status. A cross-sectional mall intercept survey was conducted in order to explore the trust related perceptions of the Australian consumers’ towards the internet banking service delivery channel. Trust is an important variable because of its high relevance to the success and/or failure of many businesses, products, and service offerings. Although there exists several benefits attached to the internet banking transactions, the survey carried out, indicates that there are a significant number of customers in Australia, who do not perform internet banking transactions due to lack of trust in the bank (or bank personnel or internet service delivery channel etc.). Consequently, results also indicate that a majority of the customers preferred to use internet banking transactions due to the trust that they have in carrying out these electronic banking methods. Therefore, this study provides information related to the ambidextrous nature of the trust component and how the aforesaid affects the consumer’s perception levels towards the adoption/non-adoption of internet banking in the Australian context. Moreover, this study provides results obtained through a cross-sectional mall intercept survey carried out in the Australian context and verbatim quotes obtained from the respondents in the form of open-ended comments. Furthermore, the implications related to bank managers, government, and policy-makers are presented.
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Lee, Cheon-Pyo, and Merrill Warkentin. "Mobile Banking Systems and Technologies." In Mobile Computing, 1246–55. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch103.

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The last decade has witnessed the rapid growth of mobile communication devices and wireless technologies across the globe. The convergence of mobile devices and wireless technologies has not only changed the way many activities are conducted, but has also provided a foundation for a new type of technology-aided commerce called mobile commerce (m-commerce). As e-commerce’s next evolutionary stage, m-commerce opens up new business opportunities in business-to-consumer (B2C) markets in addition to extending current operations in e-commerce and traditional brick-and-mortar businesses (Varshney & Vetter, 2002). The significant power of m-commerce is primarily a result of the anytime- anywhere connectivity of wireless devices, which provides unique experiences and services (Figge, 2004; Zwass, 2003). One of the most promising and value-added m-commerce services is mobile banking (Lee, McGoldrick, Keeling, & Doherty, 2003; Mallat, Rossi, & Tuunainen, 2004). Mobile banking is the newest electronic delivery channel to be offered by banks in which technology has become an increasingly vital element, and it provides convenience and enhanced value to both banks and customers. With its clear benefits, mobile banking is now gaining rapid popularity in European and Asian countries with the significant market penetration of mobile handsets and the optimally designed marketing tactics of service providers (Suoranta & Mattila, 2004). However, mobile banking is still marginally adopted across the globe, and especially in the U.S., the growth appears much slower than anticipated (Mallat et al., 2004). In the United States, there are only a small number of banks that have actually introduced mobile banking services, and most other mobile banking efforts are in small-scale trials (Charny, 2001). Therefore, the technology which will be employed in the United States market has been of interest not only to financial institutions, but also to mobile technology developers and future users.
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Orsag, Silvije, Dejan Mikerević, and Lidija Dedi. "Finance in the World of Artificial Intelligence and Digitalization." In Advances in Marketing, Customer Relationship Management, and E-Services, 153–72. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-5077-9.ch009.

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This chapter considers finance in the world of artificial intelligence and digitalization with a special focus on the role and physical forms of money throughout history, modes of executing financial transactions, development of banking and investment industry, and its overall importance for financial management. Innovative and alternative business solutions in the financial industry result from the development of modern technologies, information and communication networks, smart devices, and various applications. Digital money and cryptocurrencies are extremely interesting current phenomena producing a broad range of speculations and mystery about their role in the future. Electronic payments bring many benefits and opportunities for corporate finance, capital markets, and investment and banking activities. Digitalization of business operations and use of artificial intelligence applications increases competitiveness and efficiency of all controlling processes and improves corporate risk management and at the same time decreases information asymmetry in the market.
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Geiselhart, Karin, and Peter Jamieson. "Sustainability Issues for Australian Rural Teleservice Centres." In Encyclopedia of Developing Regional Communities with Information and Communication Technology, 659–64. IGI Global, 2005. http://dx.doi.org/10.4018/978-1-59140-575-7.ch118.

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The overall economic, social and environmental health of rural communities is one of the critical issues facing Australia. Without access to basic services, a small community can be left with a standard of living more like that of a third world country. Increasingly, services have an electronic component. Convergent digital services can lead to transformative effects, but can also exacerbate existing divides if technologies and the capacity to use them effectively are not available. Teleservice centres have in the past provided many forms of electronic services and training: computing, fax, printers, banking, etc. Today Internet functionality is a central aspect of rural teleservice centres, with broadband a looming issue. This article presents teleservice centres as a strategic national resource. Their potential to contribute to rural sustainability and equitable access to government services means that at every level of community and government, teleservice centres can delivery triple bottom line benefits.
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Olatokun, Wole Michael, and Isola Ajiferuke. "E-Commerce Challenges and Policy Considerations in Nigeria." In Global Information Technologies, 2684–93. IGI Global, 2008. http://dx.doi.org/10.4018/978-1-59904-939-7.ch194.

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Electronic commerce (or e-commerce) is the popular term for doing business electronically. According to Haag, Cummings, and McCubbrey (1998), for businesses, electronic commerce includes performing transactions with customers over the Internet for purposes such as home shopping, home banking, and electronic cash use; performing transactions with other organizations through the use of electronic data interchange (EDI); gathering information relating to consumer market research and competitors; and distributing information to prospective customers through interactive advertising, sales, and marketing efforts. Benefits of e-commerce to companies include a wider potential market (i.e., global access); lowering of transaction costs; increase in the speed of transactions; improved economies of scale; minimization of human intervention in business processes; and unlimited access to product information for customers (Sesan, 2000; Wood, 2003). While a few developing countries such as Costa Rica are making inroads into electronic commerce (Travica, 2002), many others are slow in its adoption. For example, a study, which rated 42 developing countries on their “e-readiness,” found that Taiwan and Estonia had emerged as leaders among developing countries in the ability to conduct e-commerce, whereas Russia, much of the Middle East, and Africa were lagging behind (Anonymous, 2000). One of the countries included in the study but that rated poorly in its e-commerce efforts is Nigeria. In this articl, we shall be discussing the challenges being faced by the country as it grapples with the adoption of e-commerce.
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Petrova, Krassie. "Mobile Commerce Applications and Adoption." In Mobile Computing, 1593–601. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch127.

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The potential advantages of mobile commerce applications have been discussed extensively in the recent literature, with many industries offering mobile services. Examples from the financial sector include instant funds transfer (mobile banking) and share trading (mobile brokerage). Commuter services such as sending schedule change alerts or using a mobile phone to pay for parking have become widespread. Applications based on the location of the user (e.g., offering mobile coupons to customers in the vicinity of a shop or a restaurant) are also being trialled (Barnes, 2002; Siau, Lim, & Shen, 2001; Varshney, Vetter, & Kalakota, 2000). Despite the potential benefits (for example, improved customer service) mobile commerce applications have not been widely adopted across business sectors. Mobile banking illustrates the point: initially, seen as the “killer application” of mobile commerce (Kannan, Chang, & Whinston, 2001), it has now been termed a “dead end” (Semrau & Kraiss, 2001). It has also been classified as an application which has not yet matured (Mallat, Rooi, & Tuunainen, 2004). However, innovative applications continue to emerge, for example, breaking news alerts (CNN, n.d.), and a mobile tutoring service (Butte, 2004). It has become important therefore to identify the determinants of mobile commerce adoption and the emerging adoption patterns. A significant number of results in this area have been reported in the literature. Recent examples include studies of mobile services adoption in areas characterized by relatively high penetration of mobile devices—such as Denmark (Constantiou, Damsgaard, & Knutsen, 2004), Singapore (Samtani, Leow, Lim, & Goh, 2004), and Finland (Carlsson, Hyvonen, Repo, & Walden, 2005). The identified drivers and inhibitors of mobile commerce adoption can be broadly classified as factors related to mobile infrastructure access, and factors relating to perceived consumer value. This article proposes a mobile commerce reference model which incorporates both infrastructure access and customer value and can be used to formulate research questions related to mobile commerce adoption. The remainder of the article is organized as follows: first, mobile commerce is defined and compared to electronic commerce. The next section introduces a mobile commerce reference model and discusses mobile commerce adoption. The article continues with a review of future trends and a brief conclusion.
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Athavale, Nachiket, Shubham Deshpande, Vikash Chaudhary, Jatin Chavan, and S. S. Barde. "Framework for Threat Analysis and Attack Modelling of Network Security Protocols." In Securing the Internet of Things, 110–24. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-5225-9866-4.ch007.

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Nowadays everything is computerized including banking and personal records. Also, to boost business profits, businessmen have changed their way of operations from physical way to electronic way, for example Flipkart. But as these developments benefit the developer they also increase the chance of exposing all of customer's personal details to malicious users. Hackers can enter into the system and can steal crucial or sensitive information about other authentic users and in case of banks leads to frauds. Security thus, becomes an important issue for all companies and banks. Intrusion detection systems help such companies by detecting in real time whether an intrusion is carried on or not. Here the authors are developing a signature based intrusion detection system which will scan incoming packets and send a warning message to system administrator. Also, the authors are implementing a framework and provide it to all the users so that developing intrusion detection based system similar to ours. The advantage of using framework is that it can be upgraded and re-defined whenever it is needed.
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