An Online Banking Security Framework and a Cross-Cultural Comparison

Lim, Nena; Yeow, Paul H.P.; Yuen, Yee Yen

doi:10.1080/1097198x.2010.10856519

Cited by 13 publications

(12 citation statements)

References 15 publications

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“…Many ICT products or services have become necessities of everyday life. The effectiveness and efficiency of ICT deployment and use are influenced by national (Al-Ghatani, 2003;Erumban & de Jong, 2006;Straub, 1994;Taras, Steel, & Kirkman, 2011, 2012 and organizational cultures (Cao & Everard, 2008;Lim, Yeow, & Yuen, 2010;Schiller & Cui, 2010). National cultures even play significant roles in the development of national information infrastructure (Apfelthaler, Muller, & Rehder, 2002;Dimitratos, Petrou, Plakoyiannaki, & Johnson, 2011;Garfield & Watson, 1998;Ralston, Hallinger, Egri, & Naothinsuhk, 2005).…”

Section: Introductionmentioning

confidence: 98%

The impact of cultural differences on technology adoption

Lee

Trimi

Kim

2013

Journal of World Business

202

114

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Section: Introductionmentioning

confidence: 98%

The impact of cultural differences on technology adoption

Lee

Trimi

Kim

2013

Journal of World Business

202

114

View full text Add to dashboard Cite

“…Prior cross-cultural work in security has focused on comparisons between two countries (often the US vs. another country). Topics covered include enterprise security [61], Internet buying behavior [62], online banking security [63], [64], privacy beliefs [51], and, in one case, general mental models [65]. A smaller set of papers has examined aspects of security across larger number of countries [50], [66]- [69].…”

Section: Related Workmentioning

confidence: 99%

"Should I Worry?" A Cross-Cultural Examination of Account Security Incident Response

Redmiles

2019

2019 IEEE Symposium on Security and Privacy (SP)

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Digital security technology is able to identify and prevent many threats to users accounts. However, some threats remain that, to provide reliable security, require human intervention: e.g., through users paying attention to warning messages or completing secondary authentication procedures. While prior work has broadly explored people's mental models of digital security threats, we know little about users' precise, in-themoment response process to in-the-wild threats. In this work, we conduct a series of qualitative interviews (n=67) with users who had recently experienced suspicious login incidents on their real Facebook accounts in order to explore this process of account security incident response. We find a common process across participants from five countries -with differing online and offline cultures -allowing us to identify areas for future technical development to best support user security. We provide additional insights on the unique nature of incident-response information seeking, known attacker threat models, and lessons learned from a large, cross-cultural qualitative study of digital security.

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“…Entretanto, apesar da conveniência e comodidade proporcionadas pelo Internet Banking, muitas pessoas têm receio de utilizar esse canal para realizar suas transações bancárias e a sua adoção está abaixo das expectativas (Dumicic;Casni & Palic, 2015;Aboobucker & Bao, 2018). Para que os usuários adotem o Internet Banking, é necessário haver confiança, mas o fato de envolver dados pessoais e de não haver um contato físico faz com que muitos usuários evitem a sua adoção (Lim, Yeow & Yuen, 2010;Aboobucker & Bao, 2018).…”

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“…No caso do Internet Banking, Munõz-Leiva et al (2010), apontam que a divulgação de informações sobre a conformidade do banco com as leis e comentários de outros clientes disponíveis no site do banco podem aumentar a confiança dos clientes, especialmente quando acompanhadas de informações sobre medidas de segurança e garantias de devolução. Lim et al (2010), também ressaltam que a fim de mostrar que possuem um canal de Internet Banking seguro, os bancos devem se preocupar com as informações sobre segurança que eles divulgam nos seus sites. Os autores desenvolveram um framework com 25 itens relacionados à segurança do Internet Banking que deveriam ser evidenciados pelos bancos.…”

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“…Nesse contexto, considerando-se a importância da divulgação de informações sobre segurança do Internet Banking e considerando-se que bancos de diferentes países apresentam níveis diferentes de evidenciação, o presente artigo tem como objetivo identificar o nível de disclosure de informações sobre segurança do Internet Banking nos sites dos bancos brasileiros que oferecem esse serviço. Para a mensuração do nível de disclosure, foi utilizado o framework proposto por Lim et al (2010). A referida mensuração também levou em consideração as três sub-categorias do framework (medidas físicas, administrativas e técnicas).…”

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Disclosure de Informações sobre Segurança do Internet Banking em sites Bancários: o Papel da Internet na Difusão de Inovações

Malaquias

Silva

2020

FSRJ

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Purpose: This paper aims to analyze the level of disclosure of information about Internet Banking security on bank websites, as well as its determinants.Methodology: The analysis of the disclosure level was based on a framework consisting of 25 items divided into physical, administrative and technical measures. We adopted quantitative (descriptive statistics and multivariate regression analysis) and qualitative (content analysis) approaches for data analysis.Originality / Value: Considering that security is one of the main determinants of Internet Banking adoption, this study aims to expand the discussion on banking services and information security, focusing on a topic that has still been little explored in the Brazilian scenario.Findings: The main results showed that the level of security information disclosed by banks on their websites is low. Banks with a greater number of branches, with higher profitability and private banks showed better levels of disclosure.Theoretical / methodological contributions: At the theoretical level, the study brings contributions to the literature by addressing a topic that has been little explored, especially in Brazil. In addition, this research addresses this issue considering both a quantitative and qualitative perspective, which allows a greater detail on the items to be considered by financial institutions when offering electronic services to their customers.Managerial implications: The results of the study may help banks to assess and improve the level of information being disclosed to their customers in order to increase consumer trust in Internet Banking and, consequently, the diffusion of this technology.

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An Online Banking Security Framework and a Cross-Cultural Comparison

Cited by 13 publications

References 15 publications

The impact of cultural differences on technology adoption

The impact of cultural differences on technology adoption

"Should I Worry?" A Cross-Cultural Examination of Account Security Incident Response

Disclosure de Informações sobre Segurança do Internet Banking em sites Bancários: o Papel da Internet na Difusão de Inovações

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