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Journal articles on the topic 'SMS based Mobile banking Digital Signature'

Author: Grafiati

Published: 3 June 2025

Last updated: 1 August 2025

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1

G.Athidass and K.Alamelu. "Security Issues in Mobile Banking." Shanlax International Journal of Management 6, S1 (2018): 6–10. https://doi.org/10.5281/zenodo.1461247.

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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.  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.  There  are  d

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2

Ferli, Ossi, Desi Lestari, and Luh Ifaterani Isabrenda Kusumawardhani. "Digital Products Increase Fee-based Income Banking in Indonesia." Jurnal Ilmu Manajemen & Ekonomika 15, no. 1 (2022): 33. http://dx.doi.org/10.35384/jime.v15i1.300.

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This study aims to analyze the effect of digital innovation on fee-based income for five commercial banks listed on the Indonesia Stock Exchange for the 2015-2019 period. The analytical tool used in this study is panel multiple regression equations with the dependent variable feebased income and the dependent varia-ble Number of ATMs, CRM & CDM, Number of SMS, transactions Internet and Mobile Banking, Number of Branches. The results showed that Branches has an insignificant effect on fee-based income. The num-ber of ATMs, CRM & CDM, and the number of SMS, Internet and Mobile Banking tr

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3

M.Vidya and .P.Manimozhi. "Visual Banking, A Modern Techno Dynamismin Smart Phone Banking– A Research on Innovative Banking Technologies in Chennai." Shanlax International Journal of Commerce 7, S1 (2019): 28–48. https://doi.org/10.5281/zenodo.3412467.

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Techno dynamism has made tremendous changes in the life style of human beings.  Banking is no exception to this.  Stormy techno dynamism has been going on in banking technological innovations, since 1990s. Traditional Brick and Desk banking (Branch banking) was replaced by Digital Banking since 1990s. Digital Banking has been more popular since 2014 due to the talk of “Digital India”. Mobile banking is a part of Digital banking. Gone are the days when people trusted on trunk dialing (before 1990s). Mobile phones were converted into smart phones (since 2010s) and such smar

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4

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 inf

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KOVALENKO, Viktoriia. "Digital transformation of the banking sector of the economy of Ukraine." Fìnansi Ukraïni 2021, no. 3 (2021): 84–98. http://dx.doi.org/10.33763/finukr2021.03.084.

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The article considers the main digital transformational changes in the banking business. The current state of banks' use of financial digital technologies is analyzed, and the factors of digital transformation that affect their financially stable development are singled out. It is determined that the digitalization of the world economy over the past decade has posed new challenges to the banking system, which are caused by increased competition in the financial services market. The factors of emergence of financial intermediaries of the new generation and the need for digital transformation of

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Asep Setiawan and Ryan Muhammad Azizulfiqar Kamajaya. "Implementasi SMS-Based One-Time Password Stealing Attack pada Akun Aplikasi Android menggunakan Digispark Atitiny85." Info Kripto 18, no. 1 (2024): 15–23. http://dx.doi.org/10.56706/ik.v18i1.89.

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One-Time Password (OTP) yang mendominasi bidang otentikasi pengguna selama dekade terakhir, merupakan musuh utama bagi setiap penyerang yang mencoba mengakses sensitif informasi. Pakar keamanan khawatir bahwa spoofing pesan SMS dan serangan man-in-the-middle (MITM) dapat digunakan untuk merusak sistem 2FA yang mengandalkan one-time password. Pencurian OTP dapat dilakukan dengan berbagai saluran serangan, salah satunya adalah akses fisik ke perangkat, yakni malware seluler yang mencuri pesan SMS OTP. Serangan telepon seluler dapat dilakukan juga melalui micro-USB dengan menggunakan tampilan ant

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Mubarak, Husni. "Financial Technology: MSME Capability To Connect In The Digital Ecosystem In The Field Of Finance (Case Study in Rokan Hilir Regency)." Inovbiz: Jurnal Inovasi Bisnis Seri Manajemen, Investasi dan Kewirausahaan 3, no. 2 (2023): 258. http://dx.doi.org/10.35314/inovbizmik.v3i2.3847.

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This study aims to determine the financial knowledge capabilities of UMKM actors and digital payment systems that are often used by UMKM actors in Rokan hilir District in running their business. Data collection techniques were carried out using surveys and observations. The research population is all UMKM actors in Rokan hilir Regency. This study used a probability sampling design with a simple random sampling method of 238 people. Based on the results of the research that has been done, it can be concluded that there are still many UMKM actors who only have basic financial knowledge skills, w

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Mamun, Sukron, and Tri Hadmiatin Ningsih. "Implementasi Strategi Layanan Teknologi Digital Banking dan Service Quality dalam Perspektif Nasabah pada Perbankan Syariah (Study kasus pada Bank Syariah Mandiri KCP Tomang)." Jurnal Ekonomi Syariah Pelita Bangsa 6, no. 02 (2021): 223–33. http://dx.doi.org/10.37366/jespb.v6i02.249.

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In banking, service delivery is related to development real technology including Internet Banking, Phone banking, SMS Banking, Mobile Banking, ATM, and Service Quality, namely services provided by human resources in this case CS (Customer Service) such as interactions directly by providing services directly with good like service in good, polite and friendly language, it can improving banking quality in improving service quality towards customers. The research method that will be used in this research is descriptive method with a case study approach. The research that researchers made using a

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9

Nathiya, T., and K. Janaki Priya. "Analysis of Electronic Banking and Information Technology using the TOPSIS Method." REST Journal on Banking, Accounting and Business 2, no. 2 (2023): 32–41. http://dx.doi.org/10.46632/jbab/2/2/4.

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Electronic banking, sometimes referred to as electronic transfer of funds (EFT), is the process of moving money electronically from one account to another. A 2015 Treasury Department poll found that 22% of mobile telephone owners conduct banking transactions online or over the phone as opposed to in person. They accomplish this via computer technology, telecommunications, and mobile payments. Automatic bill and paycheck deductions, computerized money transfers for online spending, and payment machines (ATMs) are some of its features. In the banking sector, information technology refers to the

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10

Sukmawati, Heni, Iwan Wisandani, and Mega Rachma Kurniaputri. "Penerimaan dan Penggunaan Muzakki dalam Membayar Zakat Non-Tunai di Jawa Barat: Ekstensi Teori Technology of Acceptance Model." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 4 (2022): 439–52. http://dx.doi.org/10.20473/vol9iss20224pp439-452.

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ABSTRAK Strategi penghimpunan zakat infaq dan sedekah masa kini harus selaras dengan perkembangan teknologi dan perilaku masyarakat 5.0 (society 5.0), dimana Society 5.0 menciptakan masyarakat yang berbasis teknologi sehingga pembayaran zakat, infaq, dan sedekah non tunai harus memanfaatkan teknologi finansial seperti, mobile banking, ATM, QRIS, dompet digital maupun e-commerce. Tujuan penelitian ini yaitu guna mengetahui besarnya penerimaan dan penggunaan layanan teknologi finansial dalam membayar Zakat, Infaq, dan Sedekah (ZIS) menggunakan ekstensi Technology of Acceptance Model (TAM) dengan

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11

Qolbi, A'yun, and Raditya Sukmana. "DETERMINAN NIATAN MAHASISWA TERHADAP WAKAF TUNAI SECARA ONLINE MENGGUNAKAN MODIFIKASI TECHNOLOGY ACCEPTANCE MODEL." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 1 (2022): 78. http://dx.doi.org/10.20473/vol9iss20221pp78-91.

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ABSTRAKTujuan dari Penelitian ini adalah menguji pengaruh kepercayaan dan citra website yang diintegrasikan dengan persepsi kemudahan penggunaan dan persepsi kebermanfaatan pada niatan seorang mahasiswa dalam membayar wakaf secara online, yang menjadikan penelitian ini berbeda dengan penelitian sebelumnya adalah penggunaan citra website sebagai determinan niatan mahasiswa dalam menggunakan layanan wakaf online ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode SEM-PLS serta melibatkan responden sebesar 100 responden dengan menggunakan Purposive Sampling dengan kriteria seoran

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12

Stęchły, Arkadiusz, and Albert Szpunar. "Analysis of potential risks of SMS-based authentication." Advances in Web Development Journal 1, no. 1 (2023). https://doi.org/10.5281/zenodo.10049987.

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The pervasive use of mobile devices and the omnipresence of the Internet have ushered in a transformative era. Nearly everyone, regardless of age, possesses a mobile phone, bridging generational gaps in digital interaction. Mobile phones have become highly personal, with users guarding them zealously. Service providers recognize this intimate relationship, offering an opportunity to enhance security. Traditional password-based security is vulnerable to data breaches, prompting the adoption of mobile phones as a more robust platform for safeguarding digital assets. This shift has also facilitat

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13

Indrianti, Salma, Rindu Rika Gamayuni, and Retno Yuni Nur Susilowati. "PENGARUH FINANCIAL TECHNOLOGY TERHADAP KINERJA KEUANGAN PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2017-2021." Ultimaccounting Jurnal Ilmu Akuntansi, December 31, 2022, 349–73. http://dx.doi.org/10.31937/akuntansi.v14i2.2926.

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Abstract— The application of financial technology (fintech) in the banking industry aims to enable banks to support innovation in the provision of digital services to encourage financial inclusion and public access to financial services. Banking fintech services in this study were measured using mobile banking, internet banking, and SMS banking. Meanwhile, banking financial performance is measured using return on assets (ROA), return on equity (ROE), and net interest margin (NIM). In this study used the control variable, namely the capital adequacy ratio (CAR). However, there are several issue

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14

K., Krishna Prasad, and P. Ushadevi. "A Study on Mobile banking Financial Transaction of Major Nationalized Banks in India." International Journal of Management, Technology, and Social Sciences, November 9, 2018, 100–119. http://dx.doi.org/10.47992/ijmts.2581.6012.0050.

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Adopting new technology in the banking sector is very useful for the growth of banks in India. The bank is the main financial institution that provides the digital technology-enabled services to the customers in an effective manner. Because of competition today each and every bank is providing modern and innovative services to attract a number of customers. Mobile banking (also known as M-banking) is latest technology or novel technology, user-friendly, and widely used concept in Electronic banking that is used to accomplish cashless financial transactions, fund transfer, credit applications a

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15

M.SUJITHRA1, AND DR G. PADMAVATHI. "BIOMETRIC SYSTEM PENETRATION IN RESOURCE CONSTRAINED MOBILE DEVICE." March 7, 2013. https://doi.org/10.5121/ijbb.2013.3104.

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International Journal on Bioinformatics & Biosciences (IJBB) Vol.3, No.1, March 2013 DOI : 10.5121/ijbb.2013.3104 35 BIOMETRIC SYSTEM PENETRATION IN RESOURCE CONSTRAINED MOBILE DEVICE M.SUJITHRA1 AND DR G. PADMAVATHI 2 1Assistant Professor, Department of Computer Technology & Applications, Coimbatore Institute of Technology, Email: sujisrinithi@gmail.com 2 Professor& Head, Department of Computer Science, Avinashilingam Institute for Home Science and Higher Education for Women, Coimbatore, Tamil Nadu, India. ABSTRACT Over the past few years, the usage of mobile devices to access dat

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16

Nurabiah, Herlina Pusparini, and Nur Fitriyah. "Risks of Using Digital Payment Method Using the Perceived Risk (PR) Theory Approach." Journal of Accounting and Finance in Emerging Economies 10, no. 3 (2024). http://dx.doi.org/10.26710/jafee.v10i3.3038.

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Purpose: Most studies focus on the advantages of adopting innovations, such as Internet banking and mobile banking, assuming that new technology should be adopted because it is good enough. However, very few have specifically examined the risks perceived by customers when using DPM, especially mobile banking. Therefore, this study aims to determine the influence of privacy risk, security risk, access risk, personalization risk, and trust risk on the use of digital payments. Design/Methodology/Approach: This study is explanatory. The sampling technique used is purposive sampling where the sampl

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17

Laxmikanthanayaka, T. O., and Laxmana P. Prof. "Digitalisation in The Banking Sector." International Journal of Trend in Scientific Research and Development, October 2, 2018, 33–42. https://doi.org/10.31142/ijtsrd18666.

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It was only in the late 1980s that Indian banks took to computer is at ion seriously. They had to improve customer service and tone up book keeping and MIS reporting. Their large customer base in terms of numbers was mostly comprised of "low balance" accounts. An effective but low cost tool that could handle the transactions was needed. It led them to embrace digital is at ion. They started with standalone PCs and migrated to Local Area Network LAN connectivity. Core Banking Solution CBS platforms followed that transformed branch banking into bank banking. CBS helped banks to provide

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18

"Electronic Banking and Information Technology using the TOPSIS Method." Trends in Finance and Economics 1, no. 2 (2023): 38–47. http://dx.doi.org/10.46632/tfe/1/2/5.

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Electronic banking, sometimes referred to as electronic transfer of funds (EFT), is the process of moving money electronically from one account to another. A 2015 Treasury Department poll found that 22% of mobile telephone owners conduct banking transactions online or over the phone as opposed to in person. They accomplish this via computer technology, telecommunications, and mobile payments. Automatic bill and paycheck deductions, computerized money transfers for online spending, and payment machines (ATMs) are some of its features. In the banking sector, information technology refers to the

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19

Teymourzadeh, Rozita. "High linear low noise amplifier based on self-biasing multiple gated transistors." International conference on electrical, electronics and system engineering (iceese2014), May 4, 2015, pp1–4. https://doi.org/10.5281/zenodo.1241226.

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Noise level frequently set the basic limit on the smallest signal. New noise reduction technology and amplifiers voltage-noise density, yet still offer high speed, high accuracy, and low power solution. Low noise amplifiers always play a significant role in RF technology. Hence in this paper, high linear low noise amplifier (LNA) using cascade self-biased multiple gated transistors (MGTR) is presented. The proposed system is covering 0.9 to 2.4 GHz applications. To verify the functionality of the proposed LNA as a bottleneck of RF technology, a cascade LNA without MGTR is implemented and synth

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Md., Shadat Hossen, and Rahman Atiqur. "Legal and Institutional Mechanism of Transparency: Bangladesh Perspective." September 20, 2019. https://doi.org/10.5281/zenodo.3451502.

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<strong>Transparency</strong> Transparency means the continuous sharing of information, decision making, and implementation should be open. It is not sufficient that should simply be made available. It must also be reliable and presented in useful and understandable ways in order to facilitate accountability.[1]Information should be accessible in that every citizen can participate in the debates. Such information helps to ensure a level playing field and encourage the effective participation of all social groups and partnership between different sectors. Transparency makes the institution and

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