Evaluation of The eBanking Sector (B2C)and The Implications For Security

French, Garret and Clarke, Tracey (2003) Evaluation of The eBanking Sector (B2C)and The Implications For Security. Diploma thesis, Dublin, National College of Ireland.

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The following study examines how security restrictions impact on the usability of ebanking applications and how financial institutions have developed their online banking products, within the retail ebanking (B2C) sector. Whilst this study focuses on the e-banking sectors within Ireland and the Great Britain, it is not exclusive and there has been examination of other e-banking sectors, namely The United States of America.

In surveys on internet usage, customers frequently list security as their main concerns. The objective of this study was to investigate how the security mechanisms impact on the usability of the e-banking applications. The study focused on the main drivers of e-banking and the issues that have hindered its uptake. Due to confidentiality, it was not possible to determine the exact security configuration of actual e-banking applications and so this study examines the security mechanisms that could be used
for an e-banking application.

We then went on to carry out a review of the literature available, which provided us with the importance of customer's needs and perceptions on security. By reviewing
previous reports, we were able to gain a valuable insight into the drivers for e-banking and the drivers for security. From this we were able to identify areas that we felt that could be used to minimise the effect that security has on the usability of e-banking applications. We formed a Delphi Group with experts in this field from both Ireland and Great Britain. The Delphi Group validated our proposed solution and from that we developed a brief questionnaire that was sent to a number of banking customers. We collected and compiled our data and conducted analysis on the findings. Despite the relatively small sample that was selected, the results showed that security, while still important is not as big an issue as it once was for customers.

Item Type: Thesis (Diploma)
Subjects: H Social Sciences > HG Finance > Banking
H Social Sciences > HF Commerce > Electronic Commerce
Divisions: School of Computing > Graduate Diploma in Electronic Commerce
Depositing User: Tim Lawless
Date Deposited: 02 Jun 2010 11:01
Last Modified: 26 Aug 2014 08:29

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