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1.
随着信息技术的发展,电子银行也随之得到了前所未有的发展,目前已经成为现代银行最重要的组成部分。就国内情况来看,电子银行近年也得到了迅速发展。但是,处于国内银行第三梯队的城市商业银行,尽管得益于近几年国内金融市场的有利形势而得到快速发展。但就其整体而言,其竞争力依然很弱,而其电子银行发展更是滞后,这已经无法满足激烈的市场竞争需要。因此,城商行需要清醒认识到电子银行对其自身转型与生存的重要性,找出自身差距,并采取积极措施,不断完善其电子银行的发展,来满足其发展的需要。 相似文献
2.
The provision of banking services on the Internet (e-banking) is growing but there is a lack of research related to the organisational issues involved in its adoption. This paper brings theory and practice together by synthesising the existing literature with real-life experience of a UK bank. Two questions motivated this research. First, what is the experience of organisations in adopting e-banking? Second, what are the organisational factors which are critical to the success in e-banking adoption? A case study research approach was used to investigate organisational critical success factors in e-banking adoption at The Woolwich bank. The factors found to be most critical for success in e-banking included: understanding customers, organisational flexibility, availability of resources, systems security, established brand name, having multiple integrated channels, e-channel specific marketing, systems integration, systematic change management, support from top management, and good customer services. We concluded that banks need to implement considerable organisational changes in order to web-enable themselves. The main focus of their e-commerce strategy should be to integrate the e-banking channel with other service delivery channels to maximise benefits. 相似文献
3.
电子银行安全问题分析 总被引：1，自引：0，他引：1
电子银行是虚拟银行,对客户来说,只要可以接入internet就能得到银行服务,真正实现跨区域、全天候服务。电子银行业务的网络化、无纸化、实时交易以及不受任何时间（Anytime）、任何区域（Anywhere）限制等特点,决定了其经营风险要高于传统渠道业务。只有保证了安全,才谈得上盈利。资金安全对银行、顾客和商家永远都是至关重要的。如何确保交易安全,为个人保密,就成为电子银行业务发展的最需解决的问题。 相似文献
4.
Our study examines how and why Ghana's first attempt to use biometric technology for voter identification and verification in its 2012 general elections failed. We employ activity theory as the analytical lens and interpretive case study as the methodology. Our findings show that the effectiveness of biometric technology to provide reliable identification does not depend solely on its technical qualities but also on real-time connectivity between registration centres and an electronic national register. Furthermore, the electoral officials need to be trained intensively to operate the machines and given guidance on how to handle situations when breakdowns occur. While biometric technology does introduce powerful capabilities, it is just one piece of a complex human activity system. 相似文献
5.
Many services can be self-provided. An individual user or a user firm can, for example, choose to do its own accounting - choose to self-provide that service - instead of hiring an accounting firm to provide it. Since users can ‘serve themselves’ in many cases, it is reasonable to suspect that they can also innovate with respect to the services they self-provide - possibly without the assistance of service providers.In this paper, we conduct the first quantitative exploration of the importance of services innovation by users, focusing on the field of commercial and retail banking services. We find that 55% of today's computerized commercial banking services were first developed and implemented by non-bank firms for their own use, and 44% of today's computerized retail banking services were first developed and implemented by individual service users rather than by commercial financial service providers. Manual precursors to these services - manual procedures that carried out functions similar to computerized services in our sample - were almost always developed by users as self-services.Our empirical findings differ significantly from prevalent producer-centered views of service development. We speculate that the patterns we have observed in banking with respect to the major role of users in service development will prove to be quite general. If so, this will be an important matter: on the order of 75% of GDP in advanced economies today is derived from services. We discuss the implications of our findings for research and practice in service development. 相似文献
6.
Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking. 相似文献
7.
Information and communication technology (ICT) developments and trends in recent years have had great impact on the banking sector worldwide. In many developed and developing countries, the use of disruptive innovation technologies has accelerated change in the way banking business is conducted, consumers being swept along with such change. However, in many countries, such as Oman, there are deep routed cultural and religious factors that cause consumers to question the acceptance of such changes. Through the use of a theoretical framework built on technology acceptance frameworks and models, and empirical evidence from key market segments of the Omani banking market, the research explores the factors that influence Omani consumer acceptance of on-line banking. The findings are significant in that trust, usability and perceived quality are deemed key drivers. This is probably not unexpected, however, what is interesting is that the market profile is skewed to middle aged users, with social standing and “herd” mentality does not affect the adoption of the technology. This, combined with the emerging mobile savvy younger generation poses an interesting challenge for the future of the banking sector in Oman and implies a need for the sector to rethink the strategic use of, and approach to, implementation of on-line banking in a way that is complementary to the cultural and ethological dimension of the market. In effect, the banking sector will need to manage the covert tension between technology driving “fast time”, and the Omani culture, religion and tradition demanding face to face “slow time”. 相似文献
8.
《International Journal of Information Management》2016,36(5):735-747
Biometric technology is rapidly gaining popularity as an access control mechanism in the workplace. In some instances, systems relying on biometric technology for access control have not been well received by employees. One potential reason for resistance may be perceived privacy issues associated with organizational collection and use of biometric data. This research draws on previous organizational information handling and procedural fairness literature to frame and examine these underlying privacy issues. Perceived accountability, perceived vulnerability, and distrust were distilled from the previous literature as the primary dimensions of employee privacy concerns related to biometric technology. This study assesses the effects of these privacy concerns, how they vary based on the cultural influences of Anglos and Hispanics.Fire ground accountability is a critical management objective in the firefighting domain. In multi-unit or multi-agency crisis response scenarios, the on-scene incident commander tracks and accounts for each first responder. This research designed and deployed a new fire ground accountability system that tracked firefighters through finger pattern-based biometric logins to their assigned positions on the firefighting apparatus. An instrument measuring level of privacy concern on three underlying dimensions and demographic data was developed, validated and administered in a quasi-experimental field study. A pre-test–post-test survey methodology was employed to detect potential differences in privacy concerns as familiarity with the system increased. The study shows that Anglo and Hispanic subjects frame privacy issues differently associated with use of biometric technology in a fire ground accountability system. Finally, the study showed that some privacy concerns such as distrust and perceived vulnerability can be alleviated through system use with changes in post-use privacy concerns moderated by ethnic affiliation. 相似文献
9.
This paper examines empirically the factors that affect the adoption of Internet banking by Tunisian bank customers. As base model, we use the technology acceptance model (TAM) and theory of planned behavior (TPB). The model employs security and privacy, self efficacy, government support, and technology support, in addition to perceived usefulness, perceived ease of use, attitude, social norm, perceived behavior control and intention to use Internet banking. Structural equation modeling is employed to examine the inter-correlations among the proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis was used to determine the measurement efficacies. Theoretically, this study confirms the applicability of the TAM model and TPB in predicting Internet banking adoption by Tunisian bank customers. The results allow banks' decision makers to develop strategies that can encourage the adoption of Internet banking. Banks should improve the security and privacy to protect consumers' personal and financial information, which will increase the trust of users. Government should also play a role to support bank industry by having a clear and solid law on this will ensure that customers are more confident for using Internet banking, ensuring a better Internet infrastructure and helps them to encourage users to use Internet banking. Lastly, Tunisian Banks should focus on those clients who already have a home PC, access Internet and more educated and younger since they are the most likely to adopt Internet banking. 相似文献
10.
George Lekakos Pavlos Vlachos Christos Koritos 《Ethics and Information Technology》2014,16(2):103-117
There is an emerging consensus in the corporate social responsibility (CSR) literature suggesting that the quest for the so-called business case for CSR should be abandoned. In the same vein, several researchers have suggested that future research should start examining not whether, but rather when CSR is likely to have strengthened, weakened or even nullified effects on organizational outcomes (e.g. Margolis et al. in Does it pay to be good? A meta-analysis and redirection of research on corporate social and financial performance. Working Paper, Harvard Business School, 2007; Kiron et al. in MIT Sloan Manag Rev 53(2):69–74, 2012). Using perspectives from several theoretical frameworks (Needs Theory, Technology Acceptance Theory, and Psychological Distance Theory), we contribute to the literature by empirically examining the tension between functional and sustainability attributes in a novel context, namely that of green e-banking services. The findings indicate that the positive effect of CSR on users’ attitudes towards green e-banking services is moderated by two primarily utilitarian information systems factors—namely perceived ease of use and perceived usefulness—and an important utilitarian individual difference variable—namely perceived self-efficacy with technology. Our findings are also important if interpreted within the context of the ethical decision-making literature (e.g. O’Fallon and Butterfield in J Bus Ethics 59(4):375–413, 2005), as they indicate that the linkage between moral judgment and moral outcomes is unlikely to be that straightforward. 相似文献
11.
《International Journal of Information Management》2014,34(2):139-150
Banking is an enterprise consists of different levels of users with the requirement of different levels of information. We propose an information delivery model for banking business which takes information from business analysis and finds the best user for this information with respect to criteria and delivers the multi criteria reporting. There are many multi criteria decision making techniques [MCDM] available to find the best alternative in MCDM problem. We applied fuzzy MCDM technique which resolves inconsistency and uncertainty issues involved in decision making of information delivery for bank users. This model classifies most preferred user to least preferred user for the given information using fuzzy score. This information delivery model and its layers can be applied to other domains to build information delivery model. 相似文献
12.
《International Journal of Information Management》2016,36(4):618-625
Today’s data is sensitive that requires privacy and security both from the cloud service providers (CSP) as well as from users in its all the form of data states: data at rest, while transferring data, enquiring data, and processing the data. Cloud computing has been applied in the health sector, national security services, banking and other business and companies that store confidential data into the cloud as we have seen in recent years. Therefore, information and data security is a crucial issue that needs to be addressed thoroughly in the cloud computing business. This research deals with the performance analysis of recent cloud data security models. This paper proposes cloud data security models based on Business Process Modeling Notations (BPMN) and simulation results can reveal performances issues related to data security as part of any organizations initiative on Business process management (BPM). 相似文献
13.
Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population. 相似文献
14.
随着生物识别技术的发展,指纹识别技术因其唯一性和安全可靠性在现实中不断地被广泛使用,在身份识别应用中大有取代其他传统方式的趋势。本文以MATLAB作为仿真平台,充分利用MATLAB工具强大的绘图能力和多样而实用的工具箱的优点,对指纹识别系统设计图像进行了一系列的处理,最后通过实验对指纹图像的特征点进行提取。 相似文献
15.
As we can see in recent studies on mobile banking, there is an increasing number of papers addressing this new technology. Mobile banking contributes to the quality of life of people living in both developed countries, and also in emerging economies. In this context, we develop this paper in order to compare the determinants of mobile banking use between respondents from two countries with different levels of development: Brazil and the United States. Our theoretical model includes six variables as determinant factors of mobile banking use. In order to analyze path coefficients and test the six hypotheses, we employed a structural equation model. We also employed a quantitative test (multi-group analysis) to analyze the difference of path coefficients between the models of the two countries. The main results indicate similarities among the perceptions of the respondents that participated in the survey, but differences in coefficient magnitude. 相似文献
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17.
《International Journal of Information Management》2003,23(5):381-394
Cell phone usage has grown phenomenally in Africa, and particularly in South Africa where initial growth forecasts have been greatly exceeded. This technology therefore provides opportunities for services such as banking to reach critical mass. All major retail banks in South Africa provide cell phone banking, but very few customers actually use it. This study examines the factors that influence the adoption of cell phone banking in South Africa, as a means of understanding how to possibly increase the rate of adoption. A framework developed in Singapore identifying factors influencing the adoption of Internet banking was used as a basis, and amended to assess cell phone banking. Factors identified as influences included relative advantage, trialability, and consumer banking needs, with perceived risk having a major negative influence. 相似文献
18.
As the volume and breadth of online information is rapidly increasing, ad hoc search systems become less and less efficient to answer information needs of modern users. To support the growing complexity of search tasks, researchers in the field of information developed and explored a range of approaches that extend the traditional ad hoc retrieval paradigm. Among these approaches, personalized search systems and exploratory search systems attracted many followers. Personalized search explored the power of artificial intelligence techniques to provide tailored search results according to different user interests, contexts, and tasks. In contrast, exploratory search capitalized on the power of human intelligence by providing users with more powerful interfaces to support the search process. As these approaches are not contradictory, we believe that they can re-enforce each other. We argue that the effectiveness of personalized search systems may be increased by allowing users to interact with the system and learn/investigate the problem in order to reach the final goal. We also suggest that an interactive visualization approach could offer a good ground to combine the strong sides of personalized and exploratory search approaches. This paper proposes a specific way to integrate interactive visualization and personalized search and introduces an adaptive visualization based search system Adaptive VIBE that implements it. We tested the effectiveness of Adaptive VIBE and investigated its strengths and weaknesses by conducting a full-scale user study. The results show that Adaptive VIBE can improve the precision and the productivity of the personalized search system while helping users to discover more diverse sets of information. 相似文献
19.
Tiago Oliveira Miguel Faria Manoj Abraham Thomas Aleš Popovič 《International Journal of Information Management》2014
Mobile banking (mBanking) enables customers to carry out their banking tasks via mobile devices. We advance the extant body of knowledge about mBanking adoption by proposing a model for understanding the importance and relationship between the user perception of mBanking, initial trust in mBanking services, and the fit between the technology and mBanking task characteristics. We synergistically combine the strengths of three IS theories – task technology fit (TTF) model, unified theory of acceptance and usage of technology (UTAUT), and initial trust model (ITM). The model was tested in a study conducted in Portugal, one of the European Union (EU) countries with the highest mobile phone adoption. Based on the sample of 194 individuals we applied partial least squares (PLS) to test the conceptual model propose. The path significance levels were estimated using the bootstrapping method (500 resamples). The study found that facilitating conditions and behavioral intentions directly influence mBanking adoption. Initial trust, performance expectancy, technology characteristics, and task technology fit have total effect on behavioral intention. The paper offers valuable insights to decision-makers involved in the implementation and deployment of mBanking services. For researchers, the paper highlights the usefulness of integrating TTF, UTAUT and ITM in the development of a decision support framework to study the adoption of new technologies. 相似文献
20.
随着银行的发展,以银行核心系统为中心的外围系统数量急剧增加,外围系统对核心的通信越来越多,与此同时外围系统各自为战,都有各自的相关接口规范。本文针对这个现象提出以SOA的思想和集群技术在银行核心系统和外围子系统中间构建一个中间交易平台,来降低银行核心系统压力和统一银行外围系统的接口规范。 相似文献