The adoption of Electronic Banking by commercial enterprise has been in existence since the mid 90s, much greater in number due to lower operating costs associated with it. Electronic banking has been in the form of automatic teller machines and telephone transactions. More recently, it has been transformed by the Internet, a new delivery channel for banking services that benefits both customers and banks. Access is fast, convenient, and available around the clock. Furthermore, customer’s application for electronic banking facilities is expanding as the cost savings on transactions over the internet are significant. The chances and threats that the internet symbolizes is no longer news to the present day banking sector. No traditional bank would dare face investment analysts without an Internet strategy. Moreover, business success is not guaranteed by a detailed and thoughtful approach to the internet. The main intention behind the commencement of electronic banking services is to provide the customers with an alternative that is more responsive and with less expensive options. With options just a click away, customers have more control than ever. Their expectations are usability and real-time answers. They also want personal attention and highly customized products and services. This research intends to see how electronic banking has improved the efficiency and effectiveness in the bank, take a look at the security measures on ground and also profer a solution that can eradicate fraud in electronic banking. / 0046735816227, 0046739957286, 004660805115

More money nowadays moves online and it is very understandable that criminals want to make more money online aswell, because these days’ banks don’t have large sums of money in their cash box. Since there are many other internalrisks involved in robbing a bank, criminals have found many other ways to commit crimes and much lower risMore money nowadays moves online and it is very understandable that criminals want to make more money online as well, because these days’ banks don’t have large sums of money in their cash box. Since there are many other internal risks involved in robbing a bank, criminals have found many other ways to commit crimes and much lower risk in online crime. The first level of change involved was email-based phishing, but later circumstances changed again. Authentication methods and security of online bank has been improved over the period. This will drastically reduce effects of phishing based on emails and fraudulent website. The next level of online bank fraud is called banking Trojans. These Trojans infect the online customers of banks. These Trojans monitors customer’s activities and uses their authenticated session to steal customers’ money. A lot of money is made by these kinds of attacks. Comparatively few perpetrators have been caught, and the problem is getting worse day by day. To have a better understanding of this problem, I have selected a recent malware sample named as SilentBanker. It had the capability of attacking more than 400 banks. This thesis presents the problem in general and includes my results in studying the behaviour of the SilentBanker Trojan.

The development of e-commerce relies upon consumer usage intentions, and Information Systems (IS) researchers have examined usage intentions toward various online e-commerce systems. However, these systems have been studied in prior works independently rather than comprehensively. In order to pursue better measures for predicting and explaining Business to Customer (B2C) e-finance and some other major e-commerce adoptions for consumers, a comparison analysis across three different online systems (online shopping, online banking and online payment) was conducted to advance the understanding of the adoption factors and their linkage to consumer behavior. Refining from Perceived Risk Theory and existing studies, specific risk facets, consumer characteristics and system characteristics were operationalized and integrated within the Technology Acceptance Model (TAM) resulting in a proposed e-finance and other e-commerce system adoption model. A survey instrument was developed based on exploratory qualitative inquiry and quantitative assessment and was used to assess the influence of different risk and utility facets on the attitude towards e-commerce adoption. Results of this empirical study showed that the relationships between perceived usefulness, perceived ease of use, and intention of use were positively and significant towards all three online systems, while perceived risk had a negative impact on the adoption of online shopping and online payment only, which could result from the relative high risk perception towards the two systems. The results provide support of extended TAM model which integrates perceived risk and additional system-specific features and user-specific demographic factors in predicting a consumer's intention of adoption of online systems. Implications for both the academic and practitioner communities were discussed.

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The purpose of this study was to examine if font choices affect how text and sender are perceived in the context of online banking websites. Large amounts of money are invested to produce effective design units; therefore, graphic designers need to be aware of how their font choices impact the readers’ perception of text. This study aimed to raise awareness around the impact of fonts and to create a helpful report that can guide designers in their font choices. Previous research on the subject argues that typography is a critical tool in visual communication, and that selecting an appropriate typeface is very important. Studies have shown how readers are aware of the difference in appropriateness between different font and text matches. Shaikh, Chaparro and Fox (2006) found serif and sans serif fonts to be the most appropriate in most situations while scripts were appropriate only for scrapbooking and e-greetings and modern display fonts were perceived as rude or coarse. The methods used in the present study were a Literature Study, two Focus Groups, a Quantitative Web Survey and two Visual Content Analyses. The results show that font choices do affect perception of the sender in this context. The most appropriate fonts were strict and structured, but not boring, non-decorative and had a medium x-height in relation to cap height. / Syftet med denna studie var att undersöka om val av teckensnitt påverkar hur text och avsändare uppfattas i samband med internetbankers webbplatser. Stora summor investeras för att producera effektiva designenheter; därför behöver grafiska designers vara medvetna om hur deras val av teckensnitt påverkar läsarens uppfattning av text. Målet med denna studie var att öka medvetenheten kring påverkan av teckensnitt och att skapa en användbar rapport som kan guida designers i deras val av teckensnitt. Tidigare studier inom ämnet argumenterar för hur typografi är ett avgörande verktyg inom visuell kommunikation och hur valet av ett passande teckensnitt är av mycket stor vikt. Undersökningar har visat på att läsare är medvetna om skillnaden i hur väl olika kombinationer teckensnitt och text fungerar. I en studie av Shaikh, Chaparro och Fox (2006) lyfts seriff och sanseriff som de mest passande i flest situationer medan skripter enbart passade bra för scrapbooking och e-hälsningar och moderna ”modern display”- teckensnitt uppfattades som oförskämda eller grova. I föreliggande studie användes en litteraturstudie, två fokusgrupper, en kvantitativ webbenkät och två visuella innehållsanalyser. Resultaten visar på att valet av teckensnitt påverkar hur mottagaren uppfattar sändaren i denna kontext. De teckensnitt som ansågs mest passande var strikta och strukturerade men inte tråkiga, utan dekorativa element och med en medelhög x-höjd i förhållande till versalhöjd.

Digitaliseringens framfart i banksektorn och dess påverkan på teknologin har medfört att allt fler bankärenden hanteras digitalt via internettjänster. Till följd av digitala banktjänster har en ny dörr öppnats för bedragare. Bedrägerier och ID-kapningar har medfört att bankkunder blir skeptiska gentemot digitala banktjänster eftersom kunder upplever hot mot deras integritet. Denna studies ambition är att studera förtroende, servicekvalitet och teknologisacceptans, som tidigare framhävts som betydande variabler i påverkan på integritetsrisken. Till skillnad från tidigare forskning har denna studie byggt upp en forskningsmodell som bygger på förtroende, servicekvalitet och teknologiacceptans för att undersöka integritetsrisken i samband med digitala banktjänster. Utifrån forskningsmodellen har tre hypoteser utformats för att vidareutveckla kunskapen inom forskningsområdet. En positivistisk forskningsfilosofi och en deduktiv forskningsansats präglar denna studie, där en kvantitativ forskningsansats i form av internetenkäter valdes för att samla in empiriska data. Studiens resultat, baserat på 101 respondenter, påvisar att förtroende och teknologiacceptans har en påverkan på integritetsrisken, dock visar resultatet att servicekvalitet inte har någon påverkan på integritetsrisken. / Rapid development in technology due to digitalization has altered a myriad of people’s lives, as it provides the customers an opportunity to perform banking activities online. As a result of digital transition from traditional banking to online banking, fraud has occurred more frequently. Owing to this, banking customers have become skeptical about online banking and are more aware of its impact on their integrity. The purpose of this study is to examine trust, service quality and technology-acceptance in regard to the perceived integrity risk. Contrary to previous research, this study has constructed a research model built on trust, service quality and technology-acceptance, factors that have been perceived as having an impact on the integrity risk in conjunction with online banking. Utilizing the research model, three hypotheses have been created to further explore the research area. A positivistic research philosophy and a deductive research approach was implemented in this study. Furthermore, a quantitative research method in the form of questionnaires was used to gather and collect empirical data. The results, based on 101 respondents, show that trust and technology-acceptance have an impact on the integrity risk, however it also shows that service quality does not have an impact on the integrity risk.

<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

Background: The wave of Artificial Intelligence (AI) is marching on, replacing jobs and traditional services, and is predicted to be one of the biggest marketing trends in the close future. Four of the major Swedish banks have started to implement AI as a customer service channel. Simultaneously, the Swedish banking industry is experiencing an all-time low in customer satisfaction, where one of the main reasons is the diminishing number of local branches. Purpose: The purpose of this thesis is to explore the attitudes that customers have towards AI in customer service, as a substitute to local brick and mortar offices within the Swedish bank industry, as well as uncover any significant factors that could influence these attitudes. Method: This is a qualitative study of exploratory nature where five focus groups have been used to collect empirical data. A total sample of 26 participants, ranging from 20-55 years old, have partaken in the focus groups.  Conclusion: Findings show that there mainly exists a negative attitude towards AI as a substitute to brick-and-mortar offices, but positive attitudes towards it as a complement. Factors that influence the attitudes were found to be Convenience, Perceived Usefulness, Perceived Ease of Use, Trust, Risk and Social influence. Awareness and Prior Technological Experience were found to not have great influence on customer attitudes.

Магистерская диссертация посвящена исследованию развития онлайн банков в России и дальнейшим перспективам данного направления. Предметом исследования являются экономические отношения, формируемые уникальными особенностями и чертами первого онлайн банка в России. Основной целью магистерской диссертации является разработка комплексной концепции модификации и совершенствования банковского сектора, на примере Тинькофф банка в условиях развития банковских онлайн сервисов на основе изучения теоретических и практических аспектов ведения деятельности онлайн банками. В заключении подводятся итоги проведенного исследования, делаются основные выводы и обобщаются перспективы развития Тинькофф Банка и постепенная трансформация в банковскую экосистему. / The master's thesis is devoted to the study of the development of online banking in Russia and the future prospects of this direction. The subject of the research is economic relations formed by the unique features and features of the first online Bank in Russia. The main goal of the master's thesis is to develop a comprehensive concept of modification and improvement of the banking sector, based on the example of Tinkoff Bank in the development of online banking services based on the study of theoretical and practical aspects of online banking. In conclusion, the results of the research are summarized, the main conclusions are made and the prospects for the development of Tinkoff Bank and its gradual transformation into the banking ecosystem are summarized.