论网络银行的安全保障技术

电子商务的飞速发展带来了银行业的革命 ,但黑客攻击、病毒侵袭等严重阻碍了网络银行的发展。只有建立一个全面的安全保障体系 ,才能有效地保证网络银行的安全。作者着重讨论用于网络银行的各种安全保障技术。     

网络银行安全问题研究

随着信息技术在金融行业的全面应用,网络银行以其节约成本、提升效率的优势受到用户的广泛关注。而网络银行在发展过程中存在着一定的安全问题,本文对此问题展开研究,基于强化网络银行安全监管的必要性,分析当前网络银行存在的安全问题,并提出最具针对性的解决措施,旨在维护网络银行的金融安全和保证国家的经济稳定。     

网络银行安全问题及对策

由于网上病毒的侵袭,大型网络银行操作系统还存在着内部制度的缺陷、网络安全及银行用户的安全意识淡漠等问题,使网络银行的安全性受到威胁。银行应完善内部网用户的管理机制和法规建设,采取数据加密扣身份验证等技术,加强客户的安全意识与对网络系统的安全性评估,以维护网络银行的安全。     

浅谈网络银行安全——基于信息不对称的分析

1998年2月,招商银行推出“一网通”业务,成为国内首家推出网络银行业务的银行。从那以后,我国国内的各大商业银行都相继推出了网上银行服务业务。与此同时,多家外资银行如东亚银行,香港汇丰银行,花旗银行等也获得了开通网上银行业务的资格。一时间,网络银行悄然渗透进了人们的生活。在带给人们方便快捷交易的同时,网络银行的安全问题也如影随形。随着日益增多的网上失窃事件的发生,这个问题也备受关注。2006年八月份,中国工商银行部分客户发起的网银安全维权行动,引起了社会各界的广泛关注。本文将从银行和消费者双方的信息不对称角度以及诚信出发,对网银安全问题加以分析,并将国内银行和国外银行的对比相结合,试图提出一些对策和建议。     

国内网络银行反网络钓鱼安全技术研究与分析

网络钓鱼是一种新型的、不断变化的网络欺骗手段,国内网络银行为了应对它的威胁采用了相应的反网络钓鱼安全技术,本文就这些技术的安全性进行了研究和分析,并对其有效性、适用性进行评价。     

建立网络银行操作风险内部控制系统的策略

提出了网络银行操作风险的定义 ,并从建立能有效管理、缓解操作风险内部机制的角度入手 ,设计了操作风险管理指挥中心、业务操作风险管理中心、数据传输风险管理中心、操作风险报告系统、操作风险应急反应中心和操作风险审计中心这六个子系统。     

建立我国网络银行操作风险资本值计量模型的探讨

从网络银行操作风险来源的角度，给出了网络银行操作风险的定义。对建立能够反映营业规模、价格变动和信誉变动情况的网络银行操作风险指标体系进行研究探讨，进而设计出基于VAR的计量我国网络银行操作风险资本值(CAOR)的标准法模型和内部评级法模型。提出我国在现阶段适合采取标准法计量操作风险资本值，5年后可以过渡为内部评级法的看法。     

中国网络银行发展现状及对策建议

我国目前网络银行纵度和深度都还有限,许多体制机制尚未健全。在借鉴国际网络银行发展经验基础上,针对当前我国网络银行发展存在的问题,探索提出网络银行发展的对策建议。     

浅谈网络银行的发展和建议

中国的网络银行起步较晚,但是信息时代,后发优势效应明显。伴随着中国电子商务的发展迅速,网络银行与电商、社交网络的关系密不可分,阿里巴巴的马云曾说过最具未来的两种商业模式,一种是互联网金融,一种是金融互联网。本文的主旨就是结合互联网公司、银行业简要分析网络银行的前景和未来,并提出几点不成熟的建议。     

我国网络银行现状分析与对策

近几年,网络银行、电子银行的发展势头迅猛,它的出现给了传统银行发展极大的冲击,使得传统银行的规章制度不得不发生变迁。网络银行同时也对金融业的制度和体系提出了新的挑战和要求,给银行业的发展提供了新的研究课题。本文通过对我国银行网络系统监管现状及网络银行面临的风险的分析,对网络银行安全建设提出几点建议。     

浅谈电子商务网上支付与安全

电子商务的安全问题是其顺利发展的一个关键,也是一个难点.本文从介绍我国现行电子商务网上支付与结算的方式、系统、工具等来说明电子商务的主要支付结算流程,以及现行网上支付结算所存在的安全问题,提出了相应的解决办法.     

Consumers’ perspectives on online banking services

The forces of economic change, coupled with advancements in technology, prompt banks to rethink their use of traditional branches and begin forming new partnerships to deliver financial services. The Internet seems to be the new delivery channel in the banking sector. Factors such as the security of personal data or the reliability of a financial institution have been identified by previous studies as the determinants of electronic‐banking adoption. In this paper, a series of new factors, such as the difficulties of using the Internet, are shown to play a crucial role in the consumer’s attitude – adoption or rejection – of this new alternative channel. We examine consumer behaviour by modelling multivariate categorical response data using a generalized linear model. Our choice model is based on the assumption that an individual’s decision to use electronic services depends on a number of explanatory variables, and we try to estimate the factors that affect an individual’s decision to use online services.     

Key influencers and inhibitors on adoption of the Internet for banking

The focus on new technologies in service situations is growing and is of particular importance in financial services contexts. It is argued that there is mutuality of benefit for both bank and customer through the adoption of self-service technologies (SSTs), of which e-banking is but one example. While the economic imperative for banks’ adoption of e-banking solutions is clear, the value proposition for the customer can be less evident. It is proposed that the value proposition on offer through e-banking could be better conveyed to customers were banks to have a greater understanding of the appropriateness of the on-line medium for products as they varied according to complexity level. This paper reports on a study which examined customer-stated propensity to purchase financial products on-line at varying levels of complexity. Findings underline the importance for banks to achieve a customer-oriented balance between face-to-face relationship-managed activity and online enablement and to understand now this balance varies according to customer and complexity of product. Strategic marketing implications for the case bank are discussed.     

Impact of online convenience on mobile banking adoption intention: A moderated mediation approach

The purpose of this study to investigate the effect of online convenience dimensions on mobile banking (m-banking) adoption intention using a comprehensive moderated mediation framework. A total of 446 responses from Indian banking users were received using systematic sampling. The covariance-based structural equation modelling and PROCESS macro were used to examine the hypotheses. The results indicated that access convenience, transaction convenience, benefit convenience, and post-benefit convenience have a crucial impact on m-banking adoption intention. The perceived hedonic values and perceived utilitarian values mediate the effects of convenience dimensions on m-banking adoption intention. The study's findings will help banks to identify which dimension/s of online convenience they should focus on over m-banking platforms to enhance adoption intention. As, “Convenience” plays a crucial role in mobile commerce adoption intention. This study attempts to examine how convenience dimensions affect m-banking adoption intention.     

Multi-dimensional role of trust in Internet banking adoption

Trust has been identified as the key to e-commerce because it is crucial wherever uncertainty and interdependence exist. The strong association between a high level of trust and the banking sector has not yet been fully translated in the electronic world. The aim of this article is to develop and validate a multi-dimensional model of trust for Internet banking. The data are collected through 441 Internet banking users of Halifax Bank of Scotland. Findings suggest that trust and perceived risk are direct antecedents of intention, and trust is a multi-dimensional construct with three antecedents: perceived trustworthiness, perceived security, and perceived privacy.     

Learning from the past and present: measuring Internet banking service quality

The Internet has played a pivotal role in transforming banking services into e-services. While several studies have examined the effective measurement of e-banking service quality, their lack of a holistic view has hindered the accumulation of past knowledge. To address this issue, this study first reviews and summarizes the methodology, service quality dimensions, suggestions and limitations of seven e-banking service quality studies conducted in seven countries. An empirical study is then conducted to derive the first robust and comprehensive measure of e-banking service quality in Taiwanese context by compensating three shortcomings of a prior Taiwanese study. To improve our understanding of e-banking service quality, a comprehensive scheme is proposed that has managerial implications. The primary contribution of this study is to present a holistic view of e-service quality for e-banking with embedded cultural factors and to provide a rigorous measurement scale development procedure applicable to areas other than e-banking.     

Internet banking loyalty: evaluating the role of trust,satisfaction, perceived risk and frequency of use

This paper analyses the role of satisfaction, trust, frequency of use and perceived risk as antecedents of consumer loyalty to banking websites. While the literature usually focuses on the direct effects of these variables, special attention is paid here to evaluate their moderating effects on the relationship between satisfaction and loyalty. The results from a sample of 254 Spanish users of Internet banking services show that while satisfaction correlates positively with loyalty, the effect is significantly less intense with high levels of perceived risk. The results are similar for trust, which correlates more positively with high levels of perceived risk, but also when Internet banking is used less frequently. Managerial implications from these results are provided.     

Impact of Perceived Security on Trust,Perceived Risk,and Acceptance of Online Banking in Iran

This study examines the relationship between perceived security and acceptance of online banking with the mediating effect of perceived risk and trust in Internet banking in Iranian customers. Researchers used structural equations model (SEM) to examine their hypotheses and conceptual model. Statistical data were gathered via a questionnaire from 395 randomly selected customers of Bank Saderat Iran in Semnan. Cronbach’s alpha and internal compatibility were used to check the reliability of the questionnaire. The justifiability of the research variables was checked and confirmed using the first- and second-order confirmatory factor analysis. According to the SEM results, the variables of perceived security and trust in Internet banking had a significantly positive impact on the acceptance of online banking. Although perceived risk had no significant impact on the acceptance of online banking, the results showed that perceived risk had a significantly negative impact on trust in Internet banking.     

The role of customer online brand experience in customers' intention to forward online company-generated content: The case of the Islamic online banking sector in Palestine

The purpose of this study is twofold: Firstly, to assess the impact of customer online brand experience (COBE) with online banking on customer's intention to forward online company-generated content (CGC). Secondly, to explore the role of online brand community engagement (OBCE) and the perceived trust of brand community page (BCP) as mediating variables between COBE and the intention to forward online CGC. This research conducted an online survey among various Islamic bank customers in Palestine who were members of online brand communities (fan pages) on Facebook. 375 valid responses were collected and results revealed that COBE exerts a dual influence on intention to forward CGC. This study is a pioneering empirical research on the role of OBCE in customers' intention to forward online CGC within the fast-growing Islamic banking industry. This study contributes to fill this research gap by assessing the effect of COBE on OBCE and intention to forward online CGC within the context of the Islamic online banking sector in Palestine. In this sense, this study is a first-of-its-kind research on the role of experience on customer engagement with regard to online brand communities of Islamic banks.     

Predicting Internet banking adoption in India: a perceived risk perspective

The emergence of Internet banking has transformed the banking systems across the globe. As a channel to market, Internet banking allows geographical constraints to be overcome by offering various products and services at lower customer costs. An understanding of the factors influencing customer adoption of Internet banking is both relevant and timely. This study integrates technology acceptance model and perceived risk theory in understanding Internet banking acceptance among Indian bank account holders. Specifically, this study categorizes perceived risk as external risk and internal risk, and examines its influence on customer beliefs and adoption of Internet banking. Using two-step predictive analytics of structural equation modeling and artificial neural network analysis, the 270 responses reveal that both external risk and internal risk inhibit customer acceptance of Internet banking. More importantly, neural network analysis reveals that perceived ease of use and external risk are two important factors determining how well Internet banking is accepted by customers. The implications of the study findings and future research directions are presented.