Academic literature on the topic 'Electronic banking, internet banking, mobile banking, technological development'
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Journal articles on the topic "Electronic banking, internet banking, mobile banking, technological development"
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Utama, Andrew Shandy. "Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia." Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial 6, no. 2 (2021): 113. http://dx.doi.org/10.22373/justisia.v6i2.11532.
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Technological developments make the world borderless. The development of information and communication technology has touched the banking sector. Based on the operational system, the types of banks can be divided into conventional banks and Islamic banks. This study aims to explain the digitalization of conventional bank products and Islamic banks in Indonesia. The method used in this research is normative legal research. The development of information and communication technology has touched the banking sector. As one of the efforts to increase bank capability, more optimal utilization of information technology development is a prerequisite in supporting bank service innovation. Therefore, digital banking is a very potential business opportunity and an inevitable necessity in the banking sector in the digital era. In addition to increasing the efficiency of bank operational activities, digital banking can improve the service quality of conventional banks and Islamic banks to customers in transactions. The Financial Services Authority of the Republic of Indonesia then issued Financial Services Authority Regulation Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. There are forms of e-Banking services that can be used at conventional banks and Islamic banks, namely ATM (Automated Teller Machine), EDC (Electronic Data Capture), internet banking, SMS banking, mobile banking, e-Commerce, phone banking, and video. banking
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Prokopowicz, Dariusz, Sylwia Gwoździewicz, Jan Grzegorek, and Mirosław Matosek. "DETERMINANTS OF THE SAFETY OF THE ELECTRONIC DAILY TRANSFER IN THE CONTEXT OF GLOBAL TRENDS ON THE INTERNET DEVELOPMENT OF THE MOBILE BANKING." International Journal of New Economics and Social Sciences 7, no. 1 (2018): 188–201. http://dx.doi.org/10.5604/01.3001.0012.2694.
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Technological progress and the ongoing globalization processes determine new challenges for the protection, electronic transmission and processing of data, including classified information. According to the guidelines of the European Union Directive of 1995 in the perspective of the development of the Internet and digital society, the ICT infrastructure of individual entities should be modernized and adapted in order to guarantee the right to protect electronically-available information. The development of techniques for processing and providing information via the Internet is determined by many facilities for beneficiaries, clients and people using information services of public sector institutions. In addition, there is a possibility of a significant reduction of transaction costs of financial operations and electronic data transfer. On the other hand, the development of information technologies functioning on the Internet also involves the risk of loss or theft of information by unqualified entities. The process of providing information via the Internet generates many threats related to crime of identity theft, interception of classified data by hackers and impersonation of monetary funds in electronic banking systems. In response to these threats, individual entities, including institutions of the financial sector, develop security systems for remote sharing of information and transactions carried out via the Internet. Currently, the process of improving techniques ensuring a certain level of Internet data transfer security is being continued. Procedures for safe processing, storage and sharing of information in online banking systems are improved. Gradually, national legal regulations are being supplemented, taking into account new emerging technological innovations and technologies of electronic data transfer on the Internet.
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Aguzzi, Jacopo, Damianos Chatzievangelou, Marco Francescangeli, et al. "The Hierarchic Treatment of Marine Ecological Information from Spatial Networks of Benthic Platforms." Sensors 20, no. 6 (2020): 1751. http://dx.doi.org/10.3390/s20061751.
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Measuring biodiversity simultaneously in different locations, at different temporal scales, and over wide spatial scales is of strategic importance for the improvement of our understanding of the functioning of marine ecosystems and for the conservation of their biodiversity. Monitoring networks of cabled observatories, along with other docked autonomous systems (e.g., Remotely Operated Vehicles [ROVs], Autonomous Underwater Vehicles [AUVs], and crawlers), are being conceived and established at a spatial scale capable of tracking energy fluxes across benthic and pelagic compartments, as well as across geographic ecotones. At the same time, optoacoustic imaging is sustaining an unprecedented expansion in marine ecological monitoring, enabling the acquisition of new biological and environmental data at an appropriate spatiotemporal scale. At this stage, one of the main problems for an effective application of these technologies is the processing, storage, and treatment of the acquired complex ecological information. Here, we provide a conceptual overview on the technological developments in the multiparametric generation, storage, and automated hierarchic treatment of biological and environmental information required to capture the spatiotemporal complexity of a marine ecosystem. In doing so, we present a pipeline of ecological data acquisition and processing in different steps and prone to automation. We also give an example of population biomass, community richness and biodiversity data computation (as indicators for ecosystem functionality) with an Internet Operated Vehicle (a mobile crawler). Finally, we discuss the software requirements for that automated data processing at the level of cyber-infrastructures with sensor calibration and control, data banking, and ingestion into large data portals.
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Koori, Jeremiah, Njoki Grace Wanjiku, and Gerald Atheru. "Technological Banking Innovations and Financial Inclusion by Commercial Banks in Nairobi County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 1 (2020): 1–27. http://dx.doi.org/10.35942/ijcfa.v2i1.98.
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Financial inclusion is the provision of financial services at affordable costs to sections of underprivileged and low-income segments of society. Failure to constantly redesign strategies that help the commercial banks adapt to changing business environment may lead to a strategic mismatch between what they offer and what markets demands. The study objective was to assess technological banking innovations and financial inclusion by commercial banks in Nairobi County Kenya. The study was anchored on the theory of financial intermediation, diffusion of innovation theory and Silber’s Constraint theory of Innovation. A descriptive research design and a positivism philosophy were used because the conceptual hypotheses were drawn from existing theories and identified knowledge gaps as founded on the research design. Multiple regression model was employed in this study. For the purpose of this investigation, the target population included all the 42 registered commercial banks operating in Nairobi County, Kenya in the year 2016. Purposive sampling technique was used to determine the sample size. Thirteen (13) selected banks that had successfully implemented technological banking innovations in Nairobi County were purposively sampled for the study. Both primary and secondary data was used in this study. Primary data was collected using questionnaires. Secondary data on mobile bank transactions and mobile phone subscriptions in the banks for the period between 2011 and 2016 was obtained from Central Bank of Kenya, Kenya National Bureau of Statistics and the Banking survey manuals. Questionnaires were administered to randomly selected respondents. The confirmatory test for multicollinearity was done using the Variance Inflation Factor. Data was analyzed using correlation, Goodness of Fit, analysis of variance, F statistic/significance of the study variables and regression of coefficients which were used to draw inferences on the relationship between the study variables. Data was presented using tables and figures. Results of the study indicated that the predictor variables; mobile banking, agency banking, electronic banking outlets and internet banking have an influence on financial inclusion. Correlation results also indicated that mobile banking, agency banking, electronic banking outlets and internet banking were positively associated with financial inclusion. Additionally, the regression findings indicated that mobile banking, agency banking and electronic banking outlets were statistically significant predictors of financial inclusion. However, Internet banking had a significance level of 0.586 which is higher than the conventional threshold of 0.05 which rendered the variable as statistically insignificant in prediction of financial inclusion. The findings concluded that mobile banking, agency banking, electronic banking outlets and internet banking have an influence on financial inclusion with the technological innovations being well adopted by the customers in the respective banks .The study recommended that the banks’ management should make use of these research findings to come up with innovative approaches of improving financial inclusion while maintaining the existing ones in the conduct of their business so as reach more clients with their products and services.
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Nduta, Rosemary Wangari, and Jane Wanjira. "E-Banking Strategy and Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. V (2019): 147–65. http://dx.doi.org/10.35942/ijcab.v3iv.68.
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Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercial banks’ performance in Kenya. The objectives of this study were to predict the impact of agency banking, mobile banking, the use of ATMs, and internet banking on the commercial banks’ financial performance in Kenya. Agency theory, contingency theory, diffusion of innovations theory, and technology acceptance theory formed the theoretical basis of this study. In its research design, the study used the descriptive approach. The target population comprised managers of 40 commercial banks and the study utilized the purposive sampling method to select 100 respondents comprising of 40 senior managers and 60 operations managers. Descriptive statistics, correlation, and regression analysis were used to analyze data. Correlation analysis indicated that mobile banking (r = 806, p = 0.000), agency banking (r = 0.737, p = 0.000), internet banking (r = 0.466, p = 0.000), and ATM banking (r = 0.547, p = 0.000) have statistically significant relationships with the commercial banks’ performance. Findings indicate that e-banking accounts for 71% (R2 = 0.710) of the variation in the commercial banks’ performance. Moreover, the study found out that e-banking strategies of agency banking and mobile banking are statistically significant predictors (p<0.01, while internet banking and ATM banking are statistically insignificant predictors (p>0.01). Based on these findings, the study concludes that rely on e-banking strategies in enhancing their performance, particularly mobile banking and agency banking. Furthermore, the study concludes that ATM banking and internet banking contribute minimally to the commercial banks’ performance in Kenya. Thus, the study recommends banks to optimize mobile banking and agency banking because they are statistically significant predictors while increasing awareness of internet banking and addressing insecurity issues of ATM banking. Thus, further research should consider establishing factors that account for the unexplained variances of 29% in the performance of commercial banks.
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Aduaka, Uchenna, and Olawumi Dele Awolusi. "Electronic Banking and Profitability in the Nigerian Banking Industry." Information Management and Business Review 12, no. 2(I) (2020): 20–37. http://dx.doi.org/10.22610/imbr.v12i2(i).3086.
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The primary objective of this study was to assess the impact of electronic banking on profitability in the Nigeria banking industry. An inferential survey research design was adopted. Primary data were collected through questionnaires from both staff and customers of the surveyed bank. It was complemented with secondary data sourced from the company’s audited financial statements for the period 2010 to 2017. Data collected were analyzed using both descriptive and inferential statistics while testing of the hypotheses was done using multiple regression analysis. The study revealed that cards play a significant role more than other channels and immediately followed by ATM. Also, it was observed that E-Banking channels contributed to Bank's profitability, that E-banking services (EBS) had an influence on the retention and loyalty of bank's customers and that the quality of service, security, reliability and efficiency have a definite impact on the usage of the services of e-banking. It was recommended that the Nigerian banking industry should invest more in card products, followed by ATM amongst other electronic channels; as they generate more revenues for the bank. The study also recommended further development of other channels (Mobile, Corporate Payments, POS and internet banking) to further enhance their contribution to the bank's profitability. Nigerian banks should also create a business strategy that is customer-centric by being continuously innovative in identifying the needs of their customers and improving on their products offering while developing new ones, to retain and keep the loyalty of their existing customers while attracting new ones.
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ZHAM, Olena, and Yuliia PYROZHENKO. "Internet banking is a saving time in the XXI century." Economics. Finances. Law, no. 5/1 (May 29, 2020): 41–44. http://dx.doi.org/10.37634/efp.2020.5(1).8.
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The paper is devoted to the interpretation, analysis, history of Internet banking development. Several options of technological side development of financial and credit institutions are considered: mobile applications, POS-terminals, terminals for cashless payments. The current state of development of the Internet banking system in Ukraine is also indicated, the advantages of remote customer service are explained, statistics are given. The development of financial relations, a significant breakthrough in technology in recent years, the emergence of plastic payment cards, the improvement of the Internet - all this has given a great impetus to financial institutions, their cooperation with customers, improved service. The new generation of banking allows to improve the work not only of financial and credit institutions, but also of clients. This scientific research deserves attention and is relevant in today's conditions. In the XXI century, the question of the importance of time and efficiency of its use becomes very relevant. Thus, the banking system of Ukraine allows people to use as little time as possible to solve important issues, such as: payment for utilities, purchase of tickets for any transport, transfer of funds to the card, replenishment of mobile account, interest on the loan and more. In today's world, internet banking is one of the main ways to solve personal financial issues as quickly as possible and at any time. These are not only self-service terminals, but also special sites of banks, mobile applications. In Ukraine, state-owned banks, as well as almost every commercial financial institution allows its customers to solve any issues via the Internet. Thus, with the help of the mobile application you can take a loan, invest money in a deposit, pay for utilities, transfer money to another account or replenish the account of a mobile operator, etc. Internet banking is convenience, efficiency and time saving. In this regard, an important area of development of Ukrainian banks is the development, implementation and development of high-tech remote service. The market of online banking in Ukraine is actively moving forward, but modern world trends are creating areas for further improvement. The popularity of remote banking motivates the study of theoretical and practical aspects of its implementation and operation, which indicates the relevance of the issues addressed in this paper.
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LARIONOVA, KATERINA, and DMYTRO DIACHUK. "REMOTE BANKING SERVICE: ESSENCE AND CURRENT STATE OF IMPLEMENTATION IN THE BANKING MARKET OF UKRAINE." HERALD OF KHMELNYTSKYI NATIONAL UNIVERSITY 300, no. 6 (2021): 280–87. http://dx.doi.org/10.31891/2307-5740-2021-300-6-43.
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In recent years, the widespread introduction of remote banking technologies has become the main focus of innovation for banks around the world. The rapid introduction of Internet banking and mobile banking systems is due to the development of the banking system under the influence of technological progress and a high level of competition in the field of banking services. Important components of the development strategy of banking institutions of Ukraine are the development and implementation of quality high-tech remote services to dynamically develop the market of banking products and build quality economic relations between banking institutions and their customers in the implementation of remote banking. The use of advanced technologies in service allows banks to minimize their costs, rationally allocate resources, develop a customer service system and improve the quality of services offered. The article considers the views of scholars on the interpretation of the concept of “remote banking” and gives its own definition of this concept. The connection between innovative development and the system of remote service in banking institutions is analyzed, as a result of which the content of the definition of “innovative development of remote banking” is formed. The most popular services among Internet banking users are highlighted. The BankID system from the National Bank of Ukraine was considered, the introduction of which provided new opportunities for banks in the field of remote service. The analysis of remote banking services in Ukraine for 2018-2020 was carried out, as a result of which a clear tendency to strengthen its role in the banking system of Ukraine was revealed. A comparison of Internet banking systems in domestic banks was made, and leaders in this area were identified.
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Van Huy, Le, Pham Long, Aidan O'Connor, and Pham Dinh Tuyen. "The Development and Measurement of a Customer Satisfaction Index (E-CSI) in Electronic Banking." International Journal of Strategic Decision Sciences 8, no. 3 (2017): 45–58. http://dx.doi.org/10.4018/ijsds.2017070102.
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In the current technological age, once traditional means of delivering services to customers are losing its dominant position, the application of the Internet has evolved as an innovatively supporting alternative for attracting customers, especially in banking service. In that aspect, customers' perception of online banking service through the delivery of website quality (Webqual) remains the main concern for bank's managers in Vietnamese banking system because customers are easily inclined to another banking service provider due to their poor website-operated experience. Based on the evaluation of factors influencing on banking website quality, its relationship to customer satisfaction and retention, this article suggests the measurement of electronic Customer Satisfaction Index (e-CSI) of perceived banking website quality by three most developed banks of Vietinbank, Vietcombank and BIDV in central Vietnam, from which provides insights that may be useful for improving the quality of online banking service.
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Trang, Nguyen Thu. "Service quality of digital banking of Timo Vietnam - Ho Chi Minh City." Science & Technology Development Journal - Economics - Law and Management 2, no. 3 (2019): 50–58. http://dx.doi.org/10.32508/stdjelm.v2i3.519.
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In the context of the strong development of science and technology in finance and banking, Fintech has emerged as the most important trend. Fintech (Financial Technology) can be divided into two categories. The first one includes customer service companies that provide technological tools to improve personal lending, money management and funding for start-ups. The second one includes “back-office” companies that offer technology for financial institutions. New-generation digital banking Timo has increased the public awareness of Fintech through the application of Internet and technology in mobile banking. The paper presents an overview of digital banking of Timo and survey results of its services, thereby offering some suggestions to further develop this form of banking in the future.
Dissertations / Theses on the topic "Electronic banking, internet banking, mobile banking, technological development"
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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.
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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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Agyepong, Stephen. "Towards an ICT artefact for financial inclusion in Ghana: a critical realist perspective." Thesis, 2018. http://hdl.handle.net/10500/25350.
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Financial exclusion is a major developmental problem. Perception has it that financial
exclusion emanates from the lack of access to banking and financial services, and the
general understanding is that ICT-based access to such services is the solution. In this
research, which was undertaken in Ghana, Critical Realism (CR) revealed deeper
causes (generative mechanisms) that underlie financial exclusion. The research
followed a mixed-method approach. The CR approach guided the research to create an
initial model from which hypotheses were deduced and tested; the design science
approach, guided the research to create the design theory and an instantiation of an
application that uses the design theory; and the quantitative method, was used to
evaluate the hypotheses.
CR revealed how, in a credit economy, people have a need for credit to pursue
business or education opportunities. The generative mechanisms identified have
revealed how the credit market for the unbanked includes the reality that a wellfunctioning
credit market is self-sustaining with two mechanisms: signalling and
adoption. The signalling mechanism facilitates users’ access to credit, which they in turn
are able to spend on more services. On the other hand, the adoption mechanism
enables the development of more services making the market more valuable, thus
attracting more users in a self-feeding loop. The key findings suggest that being banked
does not necessarily lead to financial inclusion and financial wellbeing. Transactional
banking only serves as an "enrichment agenda for the banks", with minimal benefit to
the people. There are also other non-financial technologies such as sharing and social
technologies that have an effect on the provision of credit; in addition to their main
purpose of saving and/or earning income, for the unbanked, by sharing resources. In
Ghana, despite having bank accounts, most of the banked do not use them, because of
cost and inappropriate services. This research reveals that the unexamined notion of
being banked as a fundamental requirement for financial inclusion may require further
investigation. The research has found that the unbanked keeping to themselves and the
use of cash creates anonymity and makes them invisible to formal financial institutions,
who prefer identity over anonymity, thus contributing to their financial exclusion.
The following design needs were identified: inexpensive credit and value-added
services such as saving groups, financial accounting services, service to report
delinquent customers and education. The research offers a conceptualization of a
financial inclusion ICT artefact to draw attention to the multifaceted and complex
environment financial inclusion effort is immersed. This calls for an integrated approach
since the issues with financial exclusion extend beyond financials and have an effect on
the broader society. The research, therefore, proposes a substantive framework for
improving the design and development of financial inclusive systems, which helps build
trust using obligation transactions. It offers an approach to computing an individual’s
financial inclusiveness, which also helps safeguard his/her financial wellbeing.
The thesis makes a contribution to Information Systems theory in proposing a
framework on financial inclusion using ICT. The contribution to practice is the design of
an ICT artefact.<br>School of Computing<br>Ph. D. (Computer Science)
Books on the topic "Electronic banking, internet banking, mobile banking, technological development"
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Valueweb: How Fintech firms are using mobile and blockchain technologies to create the Internet of Value. Marshall Cavendish International (Asia) Pte Ltd, 2016.
Find full textBook chapters on the topic "Electronic banking, internet banking, mobile banking, technological development"
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Kabir, Md Humayun. "Financial Innovation: Accelerating Financial Inclusion in South Asia." In Fostering Innovation and Competitiveness With FinTech, RegTech, and SupTech. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-4390-0.ch010.
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Financial innovation and financial inclusion are helping countries to achieve inclusive economic growth by mitigating poverty. The purpose of the chapter is to examine how financial innovation accelerating financial inclusion in South Asian countries. The uses of internet banking, mobile banking, short message service (SMS) banking, electronic banking (e-banking), agent banking, mobile money accounts, and mobile wallet banking is increasing at an increasing rate, which is engaging the unbanked people in the financial systems. The robust growth of the mobile ecosystem in South Asia is contributing broadly to the engagement of financial inclusion. The empirical analysis was done by using data from the Global Financial Inclusion Database (Global Findex) and Global Financial Development Database to see how automated financial products and services are conveniently receiving by the unbanked population. The results of the analysis show that many financial innovations in financial products and services delivery from financial technology is closing gaps in financial inclusion significantly.
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Kabir, Md Humayun. "Financial Innovation: Accelerating Financial Inclusion in South Asia." In Research Anthology on Business Continuity and Navigating Times of Crisis. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4503-7.ch075.
Full textAbstract:
Financial innovation and financial inclusion are helping countries to achieve inclusive economic growth by mitigating poverty. The purpose of the chapter is to examine how financial innovation accelerating financial inclusion in South Asian countries. The uses of internet banking, mobile banking, short message service (SMS) banking, electronic banking (e-banking), agent banking, mobile money accounts, and mobile wallet banking is increasing at an increasing rate, which is engaging the unbanked people in the financial systems. The robust growth of the mobile ecosystem in South Asia is contributing broadly to the engagement of financial inclusion. The empirical analysis was done by using data from the Global Financial Inclusion Database (Global Findex) and Global Financial Development Database to see how automated financial products and services are conveniently receiving by the unbanked population. The results of the analysis show that many financial innovations in financial products and services delivery from financial technology is closing gaps in financial inclusion significantly.
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Scupola, Ada. "The Role of E-Services in the Library Virtualization Process." In Electronic Services. IGI Global, 2010. http://dx.doi.org/10.4018/978-1-61520-967-5.ch107.
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The networked ICT technologies (such as the Internet) are having a dramatic effect on how services and especially knowledge services are innovated, designed, produced and distributed. In addition ICT-networks such as the Internet have created the basis for the development of new types of services. E-services are defined here as services that are produced, provided and/or consumed through the use of ICT-networks such as for example Internet-based systems and mobile solutions. E-services can be used by both consumers and businesses, and can be accessed via a wide range of information appliances (Hoffman, 2003, p.53). E-services include also selling of physical goods on the Internet as for example an airline ticket that is purchased online, but delivered by surface mail to the buyers or government services offered on the Internet or e-government. There are three main characteristics of e-services: • The service is accessible across the Internet or other electronic networks • The service is consumed by a person across the Internet or other electronic networks • There might be a fee that the consumer pays the provider for using the e-service, but that might not always be the case as for example in some e-services offered by the government. Normally the production, provision or consumption of a service requires the interaction between the service provider and the user of the service. Traditionally this has been based on personal interactions, most often face-to-face interactions. In e-services, the production, consumption and/or provision of services takes place through the intermediation of an ICT-network such as Internet-based systems or mobile solutions. Examples of e-services are e-banking, e-library services, e-publishing, airline tickets, e-government, information and location services. The advent of e-commerce and e-services has raised a number of challenges for knowledge intensive service organizations such as consulting companies, libraries and publishers, as well as for companies selling physical goods. The purpose of this study is to investigate the challenges that e-services are posing and will pose for research or academic libraries. The study has focused on the issues that Roskilde University Library (RUB) has had to deal with as a result of e-services adoption as well as the future challenges that e-services provide for RUB. The study is based on a number of interviews with RUB management, other secondary material provided by Roskilde University library and information provided on the Web page.
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Chochliouros, Ioannis P., Anastasia S. Spiliopoulou, Tilemachos D. Doukoglou, and Elpida Chochliourou. "Developing Measures and Standards for the European Electronic Signatures Market." In Information Communication Technology Standardization for E-Business Sectors. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-320-3.ch014.
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The European Authorities have promoted a specific and innovative framework for the use of electronic signatures, allowing the free flow of electronic signature-related products and services cross borders, and ensuring a basic legal recognition of such facilities. The core aim was to promote the emergence of the internal market for certification products, mainly intending to satisfy various requirements for the proper use and immediate “adoption” of electronic signature applications related to e-government and personal e-banking services. Thus, a number of technical, procedural, and quality standards for electronic signature products and solutions have been developed, all conforming to the requirements imposed by the EU regulation and the relevant market needs. In the present work, we examine the role of standardization activities for the promotion of several needs of an “open” European market based on the effective usage of e-signatures, and being able to affect a great variety of technological, business- commercial, regulatory, and other issues. In any case, the transposition of legal requirements into technical specifications (or business practices) needs to be harmonized at a European member-states’ level in order to enable adequate interoperability of the final solutions proposed. Appropriate technical standards for the sector can help to establish a presumption of conformity that the electronic signature products following or implementing them comply with all the legal requirements imposed, in the background of the actual European policies. Thus we discuss recent European and/or national initiatives to fulfil such a fundamental option. The European Electronic Signature Standardization Initiative (EESSI) has been set up under the auspices of the European Commission for the carrying out of a work program aiming at the development of standards (be it technical specifications or policy practices) that would facilitate the implementation of the basic legal instrument (the “Electronic Signatures Directive”). Two major streams of possible standards-setting work have been determined, covering: (i) Qualitative and procedural standards for the provision of certification services and (ii) technical standards for product interoperability. We identify (and evaluate at a primary level) the basic components/modules of EESSI’s specific results, already developed and offered in the market either as technical regulations and/or as recognized standards, with respect to essential requirements imposed by the European regulation. We also discuss relevant “feedback” already gained from various market areas and we focus on challenges for further implementation, progress, adoption, and development, especially in the framework for the promotion of converged broadband (Internet-based) communications facilities. It is important for the market that expected standardization work takes into account new technological developments as, in the future, users will move their e-signature key from device-to-device in a connected world. The added value of standards in the e-signatures sector, for both end users and assessing parties (judge, arbitrator, conformity assessment body, etc.) is of extreme importance for the future of the European electronic communications market.
Conference papers on the topic "Electronic banking, internet banking, mobile banking, technological development"
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Trenevska Blagoeva, Kalina, Marina Mijoska Belsoska, and Marija Trpkova-Nestorovska. "MOBILE BANKING ADOPTION ANALYSIS IN NORTH MACEDONIA USING TAM." In Economic and Business Trends Shaping the Future. Ss Cyril and Methodius University, Faculty of Economics-Skopje, 2020. http://dx.doi.org/10.47063/ebtsf.2020.0023.
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Followed by the mobile technology development and high rate of mobile internet usage worldwide, mobile banking has become prominent technological innovation in the banking sector giving a competitive edge over traditional banking. Smartphones and mobile technologies are becoming increasingly available and affordable in North Macedonia in recent years, and many banks are providing banking services to customers via smartphones. The adoption of mobile banking in the country has not reached its full potential yet and has been at its early stage of adoption. However, not many studies investigate determinants of mobile banking adoption which may help banks to design more suitable mobile services for customers and increase the m-banking adoption in the country. This study is the first attempt to fill this gap by examining determinants that affect consumer intention to use mobile banking services in the country, as developing country. To get insights regarding the user adoption of m-banking services in the country, a survey was conducted among more than 150 mobile users. This study proposes a mobile banking user adoption research model based on the Technology Acceptance Model (TAM), and beside basic constructs (perceived ease of use, perceived usefulness and behavioral intention to use) it integrates social image, trust and risk that are specific for mbanking. The results of the empirical study are supporting the proposed basic constructs of the model and some specific relationships are unveiled. This research is a holistic approach representing a solid base for future studies on the adoption of new technologies in the country. Its originality and practical implications are reflected in determining the significance of additional constructs that are specific for m-banking. From practitioner’s viewpoint, this research offers valuable insights for developing m-banking solutions.