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Thesis (Ph. D.)--University of Texas at Austin, 2000. / Vita. Includes bibliographical references (leaves 184-196). Available also in a digital version from Dissertation Abstracts.

Thesis (DBA(DoctorateofBusinessAdministration))--University of South Australia, 2005.

M.Sc. (Computer Science) / Sim swop, Phishing, Zeus and SpyEye are all terms that may be found in articles concerning online banking fraud. Home users are unsure of how the configuration of their computers affects the risk profile for conducting online banking. Software installed by a home user on their computer may be malware designed to steal banking details. Customers expect banks to provide a safe online banking system. The challenge that banks have is that they cannot control the configuration that exists on a client operating system. The V-Bank system was designed to determine whether virtualisation can be used as a means to increase the security for online banking. The V-Bank system uses a virtual machine that is run from a guest that is single purpose, read-only and fulfils the configuration requirements that the bank has for a client system. The V-Bank system also utilises public and private key encryption for identification, authentication and authorisation mechanisms in the online banking system. The architecture of the V-Bank system defines online banking as an end-to-end system. It approaches online banking as a system that consists of three major components. The three major components is a client-side component, network and server-side environment. The V-Bank system gives banks the ability to provide customers with a system that is controlled from the client, through the network to the server. The V-Bank system demonstrates that virtualisation can be used to increase the security of online banking.

Yes / The key objective of this study is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers’ intentions and adoption of Internet banking. The conceptual model proposed was based on the extended Unified Theory of Acceptance and Use of Technology (UTAUT2). This was further extended by adding perceived risk as an external factor. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. The results show that behavioural intention is significantly influenced by performance expectancy, effort expectancy, hedonic motivation, price value and perceived risk; however, social influence does not have a significant impact on behavioural intention. This study offers Jordanian banks some guidelines for designing and marketing such channel in order to enhance their acceptance by their customers.

by Chan Chi Chuen, Lee Wing Yiu, Vivian. / Thesis (M.B.A.)--Chinese University of Hong Kong, 2000. / Includes bibliographical references (leaves 52-57). / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.iii / LIST OF ILLUSTRATIONS --- p.v / LIST OF TABLES --- p.vi / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Introduction --- p.1 / Problem --- p.2 / Objective of Study --- p.3 / Chapter II. --- BACKGROUND --- p.4 / Internet Banking Worldwide --- p.4 / Background of Retail Banking and the evolution of Internet banking in Hong Kong --- p.7 / Internet Usage in Hong Kong --- p.9 / Chapter III. --- LITERATURE REVIEW --- p.11 / Previous Research --- p.11 / Conceptual Framework - Theory of Reasoned Action --- p.12 / Behavioral Intentions --- p.14 / Attitude --- p.14 / Subjective Norms --- p.16 / Conceptual Model --- p.18 / Decomposing Attitudinal Belief Structure --- p.18 / Decomposing Normative Belief Structure --- p.20 / Research Model --- p.21 / Research Hypotheses --- p.22 / Chapter IV. --- METHODOLOGY --- p.25 / Research Design --- p.25 / Questionnaire Design / Operationalization --- p.25 / Convenience --- p.26 / Superior Information --- p.26 / Reasonableness of price --- p.26 / Risk --- p.27 / Approval from the others --- p.27 / Subjective Norms --- p.27 / Attitude --- p.28 / Intention --- p.28 / Sample and Sampling Procedure --- p.28 / Data Collection Method --- p.29 / Data Analysis --- p.30 / Chapter V. --- FINDINGS AND ANALYSIS --- p.32 / Factor Analysis --- p.33 / The Original Conceptual Model --- p.33 / Measurement Model Fit --- p.33 / Reliability of the Measurement --- p.34 / Validity of the measurement --- p.35 / Structural Model Fit --- p.37 / Overall Model Fit --- p.37 / Chi-square (x2) --- p.37 / Other Fit Indices --- p.38 / The Modified Conceptual Model --- p.40 / Reliability of the Measurement --- p.41 / Validity of Measurement --- p.41 / Structural Model Fit --- p.43 / Overall Model Fit --- p.43 / Chi-square value (x2) --- p.43 / Other Fit Indices --- p.43 / Chapter VI. --- CONCLUSION --- p.47 / Managerial Implication --- p.47 / Limitations --- p.50 / Future Research Directions --- p.51 / BIBIOGRAPHY: --- p.52 / Books --- p.52 / Periodicals --- p.52 / Internet Websites --- p.56

by Chik Sze-Lok, Chu Hoi-Yan. / Thesis (M.B.A.)--Chinese University of Hong Kong, 2001. / Includes bibliographical references (leaves 68-71). / ABSTRACT --- p.i / TABLE OF CONTENTS --- p.ii / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Chapter II. --- BACKGROUND --- p.5 / Internet Banking in the United States --- p.5 / Internet Banking in Hong Kong --- p.8 / Chapter III. --- LITERATURE REVIEW --- p.11 / Relationship Marketing --- p.11 / E-commerce and Internet Banking --- p.14 / Chapter IV. --- CONCEPTUAL FRAMEWORK --- p.20 / Banker-Customer Relationship Model --- p.20 / Determinants of Long-term Orientation --- p.21 / Satisfaction --- p.21 / Trust --- p.22 / Perceived Banker's Commitment --- p.27 / Dependence --- p.29 / Chapter V. --- METHODOLOGY --- p.32 / Data Collection --- p.32 / Measures --- p.32 / Reputation --- p.33 / Experience --- p.33 / Perception of Banker's Specific Investments --- p.33 / Perceived Uniqueness of Services --- p.34 / Satisfaction --- p.34 / Trust --- p.34 / Perceived Banker's Commitment --- p.35 / Dependence --- p.35 / Long-term Orientation --- p.36 / Chapter VI. --- RESULTS --- p.37 / Long-term Orientation --- p.33 / Trust --- p.39 / Perceived Banker's Commitment --- p.39 / Dependence --- p.40 / Chapter VII. --- DISCUSSIONS --- p.41 / Chapter VIII. --- MANAGERIAL IMPLICATIONS --- p.46 / Chapter IX. --- LIMITATIONS --- p.50 / Chapter X. --- DIRECTIONS FOR FUTURE RESEARCH --- p.52 / APPENDICES --- p.51 / BIBLIOGRAPHY --- p.68

Thesis (Ph. D.)--London School of Economics and Political Sciences, 2000. / Title from title screen. Description based on contents viewed Apr. 21, 2005. Includes bibliographical references (p. 263-278).

The aim of this thesis is to explore differences between consumer expectations of web site functionality in the context of online banking in terms of whether the task under consideration is information seeking or account access and whether the expectation is predictive or normative. The Internet has emerged as a new and distinct information source. Statistics show that the Internet is used extensively by companies for information provision and in general by consumers for information acquisition. The context of this study is the financial services sector where online service provision is increasing to meet consumer demand. Numerous studies into online banking seek to identify the attributes of successful financial services web sites but the focus of these studies has been on account management rather than information search activity. Yet, there is limited research into whether consumer evaluative criteria differ when deciding to adopt a bank’s web site as a source of information as compared to use as a channel for account access. Regardless of task focus, the rationale behind theory of adoption models is that, if after trial, web site performance does not match expectations then the consumer will decide that the web site does not contain features of value and will not continue to use it. Expectations are conceptually close to, but not the same as, beliefs and have been defined as both the anticipation of future outcomes (predictive expectation) and the desire for the occurrence of future outcomes (normative expectation). Since the only type of evaluation a consumer may hold about an untried technology is expectation, several technology adoption models use expectations as referent states however the focus of research to date has been on contrasting expectation with postadoption perception. This thesis follows an approach developed by Sirgy (1984) that utilises different levels of expectation. Normative and predictive expectations are used not only as a referent state but also as a perceived state thus providing an understanding of the expectation “gaps” of users and non-users. A two-phase methodology was used. First a preliminary study based on a convenience sample of 253 students was used to generate a range of expectation statements relating to online information search. Second a web-survey was administered to 10,000 Internet users to explore differences in normative (should) expectations and predictive (will) expectations across a set of system quality and information quality attributes in two task scenarios: information search and online bank account access. This thesis identifies differences and points of similarity across task scenario. It shows that across task scenario there are statistically significant and practically substantive differences in terms of attributes that reduce risk, enable two-way communication and the provision of product information.