Advancement in information technology has influenced various aspects of human lives. The penetration of information technology is likely to increase in future. Therefore, it is imperative that one should be aware of the factors, which encourage or discourage customers towards use of information technology and related products and services. With reference to e-commerce, organizations should analyze preferences of consumers in mobile-commerce environment and based on their findings, should adjust their product or service accordingly. The current research was based on the future research areas highlighted by Pantano and Priporas (2016) and covered the limitations of their study using a larger sample (150 customers) using the context of Pakistan. Shahid et al. (2015) Highlighted that mobile-phone industry of Pakistan is one of the vibrant industries of the world. The mobile-density of Pakistan is one of the highest of Asia. The findings of this research revealed different dimensions of independent variables. For perceived ease of use, these dimensions were understandable and easier for one to become skillful in using MBA. Likewise, for perceived usefulness, these dimensions were opportunity of processing more banking transactions and always available. Further to this, for innovativeness of user, these dimensions were being an unconventional person, prefer to experiment new things in life and prefer to obtain information about new products. Likewise, for design of application, these dimensions were using MBA is secure, using MBA has a pleasant experience on my mood, easier to navigate MBA, can customize MBA according to my needs and MBA gives me an opportunity to compare charges with competitors. Finally, for finance cost these dimensions were using MBA saves transportation cost, to and from stores and using MBA saves time of visiting Bank. In addition, this study helped in identification of relative importance of different independent variables on the dependent variables. It was revealed that perceived usefulness is the most influential factor which influences future usage intentions of the people whereas design of application is least influential factor. Likewise, finance cost and innovativeness of users are also important factors. It was suggested that MBA providers should focus on female segments as well, create awareness of MBA among older people, provide MBA in native language, and focus on promoting MBA using different dimensions such as perceived usefulness and cost efficiency. Moreover, this research contributed to previous research in various forms including identification of important dimensions of select variables as well as relative importance of perceived ease of use, perceived usefulness, innovativeness, design of application and cost. Researcher identified various research limitations. Future researchers should overcome these limitations.

<p> Browsers are used as a medium to perform various activities on the Internet and mobile applications are used on mobile devices. They let users connect to the Internet and access different services such as sending emails, watching videos, using banking services, etc. The increase in the usage of the Internet, personal computers, and mobile phones led financial institutions to democratize their services and provide omnipresent and cost-effective services to their customers, in turn attracting a large customer base. Many of these financial institu?tions store and manage sensitive user information such as account numbers and usernames, passwords, Social Security Numbers (SSNs), etc. Due to the nature of the sensitive infor?mation that these institutions manage, it makes a perfect bait for attackers to exploit and perform cyber attacks. Most of the forensic and security research observed in the bank?ing ecosystem focused on foreign financial institutions and mobile banking applications for Android. However, no forensic research has been conducted on the mobile and browser ap?plications of US financial institutions. In this research, I performed a forensic analysis on both browser and mobile applications (both Android and iOS) of US financial institutions. I conducted a forensic investigation on the JP Morgan Chase (Chase), Purdue Federal Credit Union (PFCU), Discover, and CapitalOne banks. This research found what information these banking applications store locally and where they store them to assist digital forensic investigators in investigations. </p>

Datorkraft och hastighet har på senare år ökat exponentiellt, men våra förväntningar och mentala modeller om vad datorsystem är kapabla till har inte följt med. I fall där människor inte tror på att systemet kan utföra de uppgifter som begärs så snabbt som de gör kan artificiell väntan appliceras för att förväntningarna ska komma närmare verkligheten. Syftet med denna studie är att undersöka ifall security theater fungerar i kontexten av bankapplikationer och vad som händer med användarens förtroende ifall illusionen av säkerhet brister. Genom denna undersökning har vi fått fram att security theater är ett fenomen som fungerar och tillför ett värde för användaren. Dock ska kontexten ifråga utvärderas noggrant, då security theater i fel kontext kan ses som ett störande moment. Vi kom fram till att majoriteten av testpersoner inte påverkas negativt, och istället ser security theater som ett värde även efter illusionen genomskådats. / Computer power and speed have increased exponentially in recent years, but our expectations and mental models of what computer systems are capable of have not kept up. In cases where people do not believe that the system can perform the requested task as quickly as they do, an artificial wait can be applied to closer match the reality. The purpose of this study is to investigate whether security theater works in the context of banking applications and what happens with the users trust if the illusion of security fails. Through this paper we have found that security theater is a phenomenon that works and adds value to the user. However, the context in question must be carefully evaluated, as security theater in the wrong context can be seen as a disturbing element. We came to the conclusion that the majority of our test subjects are not negatively affected, and instead sees the value in security theater even after the illusion have been revealed.