Syfte: Syftet med denna studie är att undersöka om faktorn pris påverkar konsumenter vid användning av bankens digitala tjänster. Metod: Vår studie är baserad på en kvantitativ forskningsmetod, som genomfördes medwebbaserade enkäter. Av de 164 påbörjade enkäterna, fick vi ut 162 representativa svar.Av insamlad empirisk data gjorde vi sedan en korrelationsanalys med hjälp avprogrammet SPSS. Analys: Studien visar att variabeln pris har en påverkan på kunder i valet av att användabankernas digitala tjänster. Pris tenderar att bli mindre framträdande då kunden uppleverett högt PU (upplevd användbarhet) eller PEOU (upplevd användarvänlighet). Förslag på vidare forskning: En replikation av denna studie hade varit intressant att semed ett annat urval. Vid genomförandet av denna studie har vi använt oss av ettbekvämlighetsurval, där större delen av respondenterna haft tidigare erfarenhet avinternetbanken. Teoretiskt och Praktiskt bidrag: Studien tydliggör att priset har en betydelse föracceptansen av ny teknologi, i detta fall internetbanken. Prisets betydelse är större hosde respondenter som inte tidigare haft någon erfarenhet av teknologin. Nyckelord: Internetbank, Technology acceptance model, TAM, Pris, Icke-monetärakostnader

This study investigates the team aspects of a process improvement project situated in an Internet banking system maintenance and modification phase. To investigate how team processes could be improved in this context, four interventional change techniques were introduced and implemented during an action research study in which the researcher was included as one of the team members and participated during group meetings and discussions. Internet banking is an important Internet-delivered service which is expected to provide benefits for both commercial banks and bank customers. Internet banking allows bank customers to have the freedom to perform their financial activities at their convenience. Developing, maintaining, and improving Internet banking systems requires large amounts of investment to maintain high levels of Internet banking service quality, and the maintenance and modification phase of the overall lifecycle cost is a considerable part of this investment. Therefore, in order to ensure high levels of usability, reliability, and quality for these Internet banking services, commercial banks need to make significant investments in the maintenance and modification phases of their Internet banking systems' lifecycle. The four interventional change techniques used in this study were: departmental participation, equal participation, holistic scenario, and management support. The four techniques were found to be influential in developing process improvements in the maintenance and modification phase of Internet banking systems. These techniques generated several significant improvements which directly affected the way team members managed their work. The significant contributions of these interventional change techniques were: the creation of cross-functional multilevel teams, development of effective departmental participation and communication techniques, extended scope and knowledge by the team members of Internet banking systems, an increase in team learning and understanding, techniques to change problem structure, and an end to end problem-solving approach. ii These contributions also directly improved the performance of the Internet banking systems maintenance team, and there was a significant improvement in the outcomes of the Internet banking systems maintenance and modification phase.

<p>Purpose – The growing importance of use of Internet banking as another service delivery channel by banks to their customers lead to a number of supposition and deductions been made on the value creation of Internet banking and its extent of use. In the light of this, a profound and comprehensive study was conducted with the aim to first, determine the extent of use of Internet banking in Sweden, second, to validate the conjecture and the anecdote inferences that Internet banking provides values to both the bank and its customers.</p><p>Design/Methodology/approach - To test the validity of the conjecture and the anecdote inferences made over the years, the author use data collected in two folds. One set was collected from financial institution “the big four banks” and the other set from 60 bank customers out of the 90 questionnaires administered.</p><p>Findings - The results provide first, evidence of the high rate of adoption of Internet banking in Sweden, second, the values the banks and its customers have enjoyed since the advent of Internet banking.</p><p>Research limitations/implications - Although this exploratory study approach may have validated the proposed model, further research into other cities is required to generalize these findings as this study has the limitation of using only Stockholm and the number of respondents used.</p><p>Originality/value - The findings contribute and support several other studies that pointed to the fact that use of Internet banking channel of delivery is on the increase, and its value creation far exceed all other service delivery channels; provide critical implications for managers of financial institutions, Internet service providing firms, government and highlight directions for future research.</p><p>Keywords Internet banking, Online banking, Service delivery channels, Technology-based, Enabled-service, Product-service Continuum</p>

Purpose – The growing importance of use of Internet banking as another service delivery channel by banks to their customers lead to a number of supposition and deductions been made on the value creation of Internet banking and its extent of use. In the light of this, a profound and comprehensive study was conducted with the aim to first, determine the extent of use of Internet banking in Sweden, second, to validate the conjecture and the anecdote inferences that Internet banking provides values to both the bank and its customers. Design/Methodology/approach - To test the validity of the conjecture and the anecdote inferences made over the years, the author use data collected in two folds. One set was collected from financial institution “the big four banks” and the other set from 60 bank customers out of the 90 questionnaires administered. Findings - The results provide first, evidence of the high rate of adoption of Internet banking in Sweden, second, the values the banks and its customers have enjoyed since the advent of Internet banking. Research limitations/implications - Although this exploratory study approach may have validated the proposed model, further research into other cities is required to generalize these findings as this study has the limitation of using only Stockholm and the number of respondents used. Originality/value - The findings contribute and support several other studies that pointed to the fact that use of Internet banking channel of delivery is on the increase, and its value creation far exceed all other service delivery channels; provide critical implications for managers of financial institutions, Internet service providing firms, government and highlight directions for future research. Keywords Internet banking, Online banking, Service delivery channels, Technology-based, Enabled-service, Product-service Continuum

University of Macau / Faculty of Science and Technology / Department of Computer and Information Science

Syfte: Identifiera de olika betalningsmedlen för att finna samband mellan upplevelserna av deras säkerhet, enkelhet och hur dessa aspekter påverkar valet av betalningsmedel. Metod: Kvantitativ metod Teori: Litteratur, vetenskapliga artiklar och empiriska rapporter Empiri: En enkätundersökning gjordes för datainsamling Slutsats: Undersökningen bekräftar att både upplevelsen av säkerhet och enkelhet påverkar konsumenterna i valet av betalningsmedel. Vår undersökning visar att enkelhet ör den vanli-gaste och viktigaste orsaken för en konsument i valet av betalningsmedel. Undersökningen visar även att i olika ålderskategorier skiljer sig användandet av de olika betalningsmedlen åt och den visar även på olika värderingsgrunder vad gäller säkerhet och enkelhet mellan ålders-kategorierna för valet av betalningsmedel. / Purpose: Identify the different payment methods to find a connection between the perceived safety, the ease of use and how those aspects affects the choice of pay method in a buying process. Method: Quantitative method Theory: Literature, scientific articles and empirical reports Empirical foundation: A survey was made to collect data Conclusion: The research confirms that both safety and ease of use affects consumers in the choice of pay method. Our research shows that the ease of use is the most common and im-portant reason for a consumer when choosing a pay method. The survey also shows that in different age categories the use of the various means of payment is different and also shows a difference in the valuation of qualities as safety and ease of use between age categories for the choice of payment.

The Internet has had and will continue to have a major impact in the way in which banking business is conducted. This dissertation primarily considers the allocation of risks associated with Internet banking and in doing so considers the role of trade usage in Internet banking. The question of what the Internet is and more specifically what constitutes Internet banking is addressed. In order to have an understanding of the allocation of risks in Internet banking a good understanding of the traditional bank-customer relationship is necessary. The contractual basis for this relationship is discussed. The duties of the bank and the customer are discussed. In this regard the duty of a bank to act in terms of its customers mandate, the banks duty of confidentiality and the customers duty to exercise reasonable care are considered. The concept of a customer is briefly discussed. As trade usage plays a significant role in the contract between the bank and its customer, attention is given to the requirement for the recognition of a trade usage generally and more particularly in South Africa. The effect of Internet banking on the traditional bank-customer relationship is considered. The fact that a bank is still required to act in terms of its customer's mandate but is unable to identify is examined. As most Internet banking contracts impose an obligation on the customer to take security precautions and also limit the liability of banks, consideration is finally given to the possibility that the practices of banks in regard to Internet banking may have acquired the status of trade usage in this particular sphere of banking. / LL.M. (Banking Law)

M.A. / The evolution of the Internet has led to the establishment of various value-adding products and services such as Internet banking (IB). Internet banking has changed the formal banking landscape forever. Some may argue that Internet banking has positively affected the lives of many, through providing services in a more convenient, efficient and effective manner, 365 days a year. However, the growth of the Internet has lead to the increase of various Information Technology (IT) problems and challenges. Today, individuals and organisations are faced with an increasing number of attacks via computer and Internet viruses, phishing scams and Internet hackers. Individuals and organisations must place greater emphasis on ensuring that their financial well-being is protected. The investment in adequate software and hardware has become critical to conduct financial transactions securely via the Internet. The level of security awareness should also be increased and established at various levels through comprehensive educational programmes. Extensive Internet banking awareness campaigns have been launched, but the level to which these campaigns are successful is uncertain. The main focus of this dissertation is to understand Internet banking customers’ perceptions on information protection when using Internet banking services and products, as various factors influence the perceptions of trust with regards to Internet banking. Trust is formed through a variety of factors from the influence of others on our own beliefs and values, to the experiences gained by using specific technology or processes over a particular period of time. An in-depth literature review forms the basic framework for the dissertation and is followed by an empirical component. The main goal of the literature review is to provide a solid theoretical framework and basis from which to conduct the empirical research. Chapters 2 to 4 delve into the evolution and development of the Internet and provide a perspective on the South African banking landscape. The various challenges the Internet banking domain is faced with, is explored, and the various opportunities that exist are extensively discussed. Trust, the major factor influencing the adoption of Internet banking services and products, is explored, and the factors that shape and diminish trust are discussed. The empirical study consisted of a close-ended questionnaire that was completed by a sample of University of Johannesburg (UJ) alumni. The study included 138 individuals who completed the close-ended questionnaire and the results were analysed by Statistical Consultation Services (StatCon), a statistical research unit within UJ. The results indicate that more should be done to ensure that individuals and businesses are well-versed on issues pertaining to Internet banking security and safety. The results further highlight that the quality of most of the individuals’ relationships with their formal bank branch diminished due to Internet banking. An interesting finding was that 80.7% of the respondents indicated that they would make use of Internet banking services and products, even though they are aware of fraudulent activities that take place via this Internet medium. The research findings provide financial institutions with valuable guidelines on how to plan and implement effective and efficient Internet banking education and awareness strategies.

M.Comm. (Information Technology Management) / The advancement of technology in mobile devices, places South African banking institutions in unique positions to leverage these advancements into innovative, value-added services. Mobile banking is one such innovation that has afforded banking clients the ability to - amongst other services - view bank statements, pay bills, and transfer money. Despite a growing trend towards mobile banking service offerings by South African banks, privacy and security issues are still considered a concern. This dissertation conceptualises the influence of demographic factors on perceptions of mobile banking. Privacy Calculus Model (PCM) has been used as a theoretical lens to explain the cognitive process involved when a potential mobile banking subscriber is presented with mobile banking technology solutions. PCM is extended by abstracting the risk/benefit trade-off psyche held by SA bank clients, and there is an attempt to explain, using PCM, the bank clients’ cognitive process and willingness to subscribe to mobile banking services. A quantitative research method has been used for this purpose. Purposeful sampling that targeted South African bank account holders was applied. Empirical results show that potential South African mobile banking subscribers are not homogenously influenced in the same manner. Instead - for example - people in different age groups are subject to different influences than a grouping defined by highest education level. Thus, in order for South Africa’s four big banks to attract and retain mobile banking subscribers, they should realise that different groups of people are influenced by subscription to mobile banking in different ways.

The significance of personal data protection in the Czech Republic and in other developed countries has been continually increasing. A bank's security system breakdown can cause not only a misuse of the client's personal data but also a financial loss that harms the client and the bank reputation as well. The aim of the thesis is an analysis of the direct banking security and protection means of sensitive data of prime banks on the Czech market. First chapter characterises the consumer protection issues in regard of banking. The second part of the thesis concentrates on the area of direct banking, its forms, possible threats and the particular security tools used by local banks. Last section consists of an analysis of the survey among the banks and their clients.