Thesis (PhD)--University of South Australia, 2003.

Thesis (MEd)--University of South Australia, 1999

Overall this thesis is concerned with the implementation and development of Internet banking in Thailand. Paper 1 is a literature review. It examines the development of Internet banking, world-wide rationale for the use of Internet banking, Internet banking in Thailand and the driving factors which influence banks to adopt Internet banking. The results of this study are beneficial to understanding why many banks in the world are starting to use Internet banking as a marketing tool for increasing competitive advantage over their rivals. / Paper 2 represents a survey of Thai banking customers and their interest or non-interest in using Internet banking. A number of hypotheses are developed and tested in this survey. The survey encompassed 485 persons, of whom 400 responded, throughout Thailand and attempted to assess and measure their attitudes towards Internet banking. Findings indicate that Internet banking is currently the least popular form of banking in Thailand (after ATM and branch banking). However, the younger group of customers, those aged between 18-30, ranked Internet branch banking first on their list of choices as the most desirable form of banking services. The results of this study are beneficial to the Thai banking sector in terms of providing a detailed understanding of customers' preferences for Internet banking. In addition, banks can apply this information to develop strategic plans focusing primarily on identified target groups, thereby providing better products and services. / Paper 3 develops a conceptual framework utilizing the results discussed in paper 2, to recommend to Thai banks appropriate promotional and servicing activities to encourage the development of Internet banking in Thailand. It includes a range of recommendations, over three specific time periods: short term, identified as up to 1.5 years, medium term specified as 1.5-3 years, and long term, identified as more than 3 years. Essentially, the recommended approach to Internet banking in Thailand concentrates on a developmental approach over these three periods. As defined by the results obtained in the survey discussed in paper 2, it is clear that Thai banks should consider younger, higher education level customers as potential customers. In addition, this paper also recommends how to use strategies for developing Internet banking but this should not be done to the exclusion of older, lower education level and lower income level customers. / Thesis (DBA(DBusinessAdministration))--University of South Australia, 2004

The Internet is literally an “Inter-Network”, that is, a network of networks. Networks can be entities including Internet Service Providers (ISPs), universities and commercial enterprises. Every network or Autonomous System (AS) has individual requirements, restrictions and capabilities to transit data traffic. No central controlling body determines how ASes connect—instead contractual agreements are established between AS pairs to govern their relationship. It is not feasible for all ASes to be physically connected to all others. Consequently, some ASes provide transit between other ASes. Such a service usually results in remuneration from one or both ASes. Unlike centrally administered networks where all nodes in the network make generic, predictable decisions, each AS has the ability to select its best route based on its own proprietary commercial agreements. Such agreements are converted to a technical policy implemented in the Border Gateway Protocol (BGP). The ability to implement policies ensures the commercial viability of the Internet, but also makes the prediction of routes difficult and even more worrisome, conflicting policies can cause undesirable BGP states where no single AS has sufficient knowledge to understand what is happening [43]. Designing new clean-slate routing protocols is one approach to improving the predictability and reliability of the Internet. However, due to the Internet’s distributed political and administrative control, significant collaboration is required to implement a new routing protocol — especially when no new protocol currently proposed has sufficiently superior flexibility, scalability or robustness. The difficulty in implementing new and improved protocols is evident in the deployment of IPv6 [23]. Although the IPv6 standard has been defined for over a decade and offers a larger address space, better security and embedded quality of service in comparison to traditional IPv4, its deployment is limited to 1200 of over 30000 ASes in the Internet [66]. Hence, it is crucial practical solutions to current problems are evolved in addition to developing clean-slate techniques. Consequently, our approach is pragmatic — designing tangible solutions to practical problems that can be implemented immediately. In this thesis we examine and combine eBGP, iBGP, OSPF, Netflow and router configuration data to discover important aspects of routing. It is this investigation that instigated the development of a model of iBGP. iBGP is the version of BGP implemented within ASes to propagate routes between internal routers. It exists on a logical topology, however it interacts with the physical topology. It is this interaction which can cause persistent oscillation [49] — a system state where routers alter their decision ad infinitum. Detecting configurations which can cause this oscillation is NP-hard [49]. However, our model of iBGP introduced in this thesis benefits from the ‘designed’ structure of the iBGP topology to restrict the search space dramatically to one that is computationally feasible. iBGP data — which is collected to analyze router decisions — is often only collected on a subset of routers due to its massive storage requirements. In addition there is a substantial amount of correlation between router decisions. Our model of iBGP discovers the dependencies between router decisions and can consequently predict the decisions of those routers for which no measurements are available. It does not rely on any assumption of operator configuration, and subsequently is able to be applied in any network scenario — not just the one originally configured. It is this feature, together with the model’s ability to use any available measurement data that makes our technique ideal for network measurement and management applications. We found our model is efficient and accurate on the network of a large Tier-2 AS, where all but seven of over 12:7 million decisions were consistent with observed data. Further we were able to predict the decision of 85% of routers where observed data was unavailable. During our analysis, we also identified several minor configuration errors on operational routers when we predicted the “correct” outcome. The internal state of a network can be influenced by neighboring ASes. Peering agreements are closely guarded due to their commercially sensitivity. They are implemented in BGP in the form of policies and are difficult to infer with publicly available data sources. We examined the peering policies of over 100 ASes from the perspective of a large Tier-2 AS, finding 22% differ from the canonical peering policy outlined in many peering agreements. When a policy differes from the canonical peering policy, it may result in sub-optimal routing within the Tier-2 AS. We used our model of iBGP to firstly predict the decisions of all routers under the current peering policy, before determining the changes that would have occurred under a canonical peering policy. This analysis not only provided a metric for the routing impact of a peers’ non-canonical policy, but subsequently used in combination with traffic data allowed us to determine the influence of the peer on traffic flows. Our techniques described allow an AS to fully quantify the impact of a non-canonical peering policy and adapt business arrangements appropriately. Throughout our analysis of BGP data, we noticed several inconsistencies in the data. Although the results in the above work were insensitive to such inconsistencies, other applications requiring accurate, fine time-scale analysis of the routing state are much more sensitive. Consequently, we undertake a self-consistency check on the BGP data and examine the possible causes of such inconsistencies. We also present a mechanism to ‘clean’ the data to minimize the effects of any inconsistency. / http://proxy.library.adelaide.edu.au/login?url= http://library.adelaide.edu.au/cgi-bin/Pwebrecon.cgi?BBID=1459175 / Thesis (Ph.D.) -- University of Adelaide, School of Mathematical Science, 2009

Although the offering of financial products and services over the Internet by banks and financial institutions continues to spread, reports on Internet banking show that the adoption and usage of such services by consumers are low. Further, relatively little empirical research has been carried out to examine factors influencing users' adoption or use of Internet banking services, particularly in New Zealand. Hence, there is a need to identify relevant factors that influence New Zealand's bank customers' intentions to use Internet banking. This research used two commonly applied and empirically supported models of information technology adoption to achieve this objective. In this study, Davis's (1989) technology acceptance model (TAM) is extended by two external variables, namely risk and self-efficacy. The second model used is a reduced version of Moore and Benbasat's (1991) perceived characteristics of innovation (PCI) model, without the image and voluntariness constructs. A questionnaire was used to conducting a postal survey of 1000 individuals in Auckland, New Zealand. Out of 163 responses received 157(15.7%) were usable and with this data both research models were tested.The results reveal that perceived usefulness, perceived ease of use, self-efficacy, relative advantage, compatibility, and result demonstrability have a significant association with intention to use Internet banking, while risk, visibility and trialability are not significant. Both the modified TAM and PCI models used in the study have a similar explanatory power of slightly over 20% of the variance in intention. In the TAM model, perceived usefulness and self-efficacy are significant variables, while compatibility is the only variable significant for the PCI model. Further, results indicate that users' perceptions of various aspects of Internet banking are more positive than non-users' perceptions, except for risk.The results of this study indicate that both TAM and PCI have low capabilities in explaining the variances in users' intention to adopt or use Internet banking services. Therefore, further studies are recommended to examine the performance of these models in Internet banking studies and also to improve the prediction power of these models by incorporating additional constructs. Although risk is found to be insignificant in this study, considering results of prior studies, further studies are required to examine its influence on intention.For banks point of view, banks should consider launching campaigns to demonstrate the usefulness and benefits. Once users perceive that advantages outweigh disadvantages, they are more likely to adopt or use Internet banking. Additionally, banks must make continuous effort to understand consumers' requirement and design and deliver their products and services in such a way that it is consistent with customers' requirements, beliefs and the way customers are accustomed to work. Banks website should facilitate customers with a 'one stop comprehensive financial' service. Banks can arrange hands-on training for prospective users to enhance their self-efficacy or may pay additional interest on online-deposit accounts (can be access through Internet only). Besides promoting services, banks need to invest in staff education and training and be equipped with advanced computer technology.

Master of Science / The current study aimed to test the efficacy of individual, synchronous Internet Therapy for panic disorder compared to traditional face-to-face therapy. Thirty participants diagnosed with panic disorder were randomly allocated to either Internet Therapy or face-to-face therapy, and received a manualised cognitive-behavioural treatment program. When analysed separately, results indicated that face-to-face treatment significantly reduced panic symptomatology overall, however significant gains were not shown for the Internet Therapy condition. However, a direct comparison of the two active treatments failed to show significant differences, as measured by a Multivariate Analysis of Variance (MANOVA) on pre- and post-treatment variables. Internet Therapy did, however, significantly reduce certain symptoms of panic disorder, indicating that Internet Therapy may be useful as an adjunctive treatment to face-to-face therapy. Intention-to-treat analyses suggested that face-to-face treatment may be more effective than Internet Therapy for treating panic disorder. Additionally, there were no differences between treatment conditions in levels of working alliance, indicating that among those who stay in treatment, working alliance can be established online at a similar level to that of face-to-face therapy. However a high number of dropouts in the Internet Therapy condition warranted consideration. A thorough explanation of the results is offered in addition to recommendations for the future directions of the research and clinical implementation of Internet Therapy.

Overall this thesis is concerned with the implementation and development of Internet banking in Thailand. Paper 1 is a literature review. It examines the development of Internet banking, world-wide rationale for the use of Internet banking, Internet banking in Thailand and the driving factors which influence banks to adopt Internet banking. The results of this study are beneficial to understanding why many banks in the world are starting to use Internet banking as a marketing tool for increasing competitive advantage over their rivals. / Paper 2 represents a survey of Thai banking customers and their interest or non-interest in using Internet banking. A number of hypotheses are developed and tested in this survey. The survey encompassed 485 persons, of whom 400 responded, throughout Thailand and attempted to assess and measure their attitudes towards Internet banking. Findings indicate that Internet banking is currently the least popular form of banking in Thailand (after ATM and branch banking). However, the younger group of customers, those aged between 18-30, ranked Internet branch banking first on their list of choices as the most desirable form of banking services. The results of this study are beneficial to the Thai banking sector in terms of providing a detailed understanding of customers' preferences for Internet banking. In addition, banks can apply this information to develop strategic plans focusing primarily on identified target groups, thereby providing better products and services. / Paper 3 develops a conceptual framework utilizing the results discussed in paper 2, to recommend to Thai banks appropriate promotional and servicing activities to encourage the development of Internet banking in Thailand. It includes a range of recommendations, over three specific time periods: short term, identified as up to 1.5 years, medium term specified as 1.5-3 years, and long term, identified as more than 3 years. Essentially, the recommended approach to Internet banking in Thailand concentrates on a developmental approach over these three periods. As defined by the results obtained in the survey discussed in paper 2, it is clear that Thai banks should consider younger, higher education level customers as potential customers. In addition, this paper also recommends how to use strategies for developing Internet banking but this should not be done to the exclusion of older, lower education level and lower income level customers. / Thesis (DBA(DBusinessAdministration))--University of South Australia, 2004

Proefschrift Universiteit van Amsterdam. / Met lit.opg. en samenvatting in het Nederlands.

Thesis (M.F.A.)--Montana State University--Bozeman, 2007. / Typescript. Chairperson, Graduate Committee: William Neff. Includes DVD. Includes bibliographical references (leaves 38-40).

Thesis (M.A.)--McGill University (Canada), 2004. / "Running head: Internet gambling among youth" Includes bibliographical references.