Evaluating the security of electronic and mobile banking

Wodo, Wojciech; Błaśkiewicz, Przemysław; Stygar, Damian; Kuźma, Natalia

doi:10.1016/s1361-3723(21)00107-x

Cited by 11 publications

(9 citation statements)

References 3 publications

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“…Users tend to use or not an application considered as something they believe or believe will help their performance in doing work (Kruzikova et al, 2020;Wodo et al, 2021). E-Banking technology is a system change from manual to electronic, and E-Banking is an additional service to facilitate LPDs in conducting transactions.…”

Section: Discussionmentioning

confidence: 99%

The Interest of Village Credit Institution Customers to Use the LPD Mobile Application with Trust as a Moderating Variable

Pramiswari,

Gayatri,

Suartana

et al. 2022

IJSSB

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The Village Credit Institution (LPD) aims to provide convenience for rural communities to obtain business capital and traditional costs. Although operating and serving customers in rural areas, LPD strives to keep up with technological developments by providing the LPD Mobile application. Seeing this phenomenon, this study aims to identify the use of determinants of LPD customer interest with trust as a moderating variable. This type of research is quantitative with a survey approach. Samples were taken from as many as 347 customers with the purposive sampling technique from a population of 99,108 customers. The method used in displaying the data is a questionnaire. The instrument used in collecting data is a questionnaire sheet. The analysis research results using Structural Equation Modeling based on Partial Least Square using SmartPLS 3.0 Software. The results show that ease of use and usability positively affect customer interest in using the LPD Mobile application. Trust cannot moderate the relationship between perceived ease of use and customer interest in using the LPD Mobile application. Trust can strengthen the positive relationship between usability and customer interest in using the LPD Mobile application.

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Section: Discussionmentioning

confidence: 99%

The Interest of Village Credit Institution Customers to Use the LPD Mobile Application with Trust as a Moderating Variable

Pramiswari,

Gayatri,

Suartana

et al. 2022

IJSSB

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“…According to Choo (2015), those who engage in bribery and corruption would constantly look for new opportunities to commit crimes, launder money obtained via corruption and avoid detection by law enforcement and other government authorities. This sort of corruption includes using cryptocurrencies to finance terrorists, digital currency frauds, online fraud, e-banking system security, Internet banking fraud, transnational financial crime and the use of machine learning in banking (Choo, 2015;Gonz alvez-Gallego and P erez-C arceles, 2021;Kelley et al, 2023;Moreira et al, 2022;Sun et al, 2023;Wodo et al, 2021).…”

Section: Literature Reviewmentioning

confidence: 99%

Political stability and corruption nexus: an international perspective on European and Asian countries

Beju,

Ciupac-Ulici,

Bresfelean

2024

JRF

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PurposeThis paper aims to investigate the impact of political stability on corruption by drawing upon a sample encompassing both developed and developing European and Asian countries.Design/methodology/approachThe dataset, sourced from the Refinitiv database, spans from July 2014 to May 2022. Panel data techniques, specifically pooled estimation and dynamic panel data [generalized method of moments (GMM)] are employed. The analysis encompasses both fixed and random effects models to capture country-specific cross-sectional effects. To validate our findings, we perform a robustness test by including in the investigation four control variables, namely poverty, type of governance, economic freedom and inflation. To test heterogeneity, the dataset is further divided into two distinct subsamples based on the countries’ locations.FindingsEmpirical findings substantiate that political stability (viewed as the risk of government destabilization) has a positive and significant impact on corruption in all analyzed samples of European and Asian countries, though some differences are observed in various subsamples. When we take into account the control variables, these analysis results are robust.Research limitations/implicationsThis research provided a panel data analysis with GMM, while other empirical methodologies could also be used, like the difference-in-difference approach. However, our results should be validated by extending the time and the sample to a worldwide sample and using alternative measures of corruption and political stability. Moreover, our focus was on a linear and unidirectional relationship between the considered variables, but it would be interesting to test in our further research a non-linear and bidirectional correlation between them. Furthermore, we have introduced in the robustness test only four economic variables, but to consolidate our findings, we plan to include socioeconomic and demographic variables in future studies.Practical implicationsThese outcomes imply that authorities should be aware of the necessity of implementing anti-corruption policies designed to establish effective agencies and enforcement structures for combating systemic corruption, to improve the political environment and the quality of institutions and to apply coherent economic strategies to accelerate economic growth because higher political stability and sustainable development determine a decrease in levels of corruption.Social implicationsAt the microeconomic level, the survival of organizations may be in danger from new types of corruption and money laundering. Therefore, in order to prevent financial harm, the top businesses worldwide should respond to instances of corruption through strengthened supervisory procedures. This calls for the creation of a mechanism inside the code of conduct where correct reporting of suspected situations of corruption would have a prompt procedure to be notified of. To avoid corruption in operational procedures, national plans and policies should be developed by government officials, executives and legislators on a national level, as well as by senior management and the board of directors on an organizational level. This might lower organizations' extra corruption-related expenses, assure economic growth and improve global welfare.Originality/valueA novel feature of our research resides in its broad examination of a sizable sample of European and Asian countries regarding the nexus between corruption and political stability. The paper also investigates a less explored topic in economic literature, namely the impact of political stability on corruption. Furthermore, the study depicts policy recommendations, outlining effective and reasonable measures aimed at improving the political landscape and combating corruption.

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“…Cyber attack has become one of the obstacles to financial technology adoption, the consumer perception of the use of digital finance because consumers are primarily online hacking [14], [31]. [32] His study outlines that the speed of deploying new technologies surpasses the development of techniques for data security. This concern refers to information and educational campaigns that promote the safe and knowledgeable use of digital services.…”

Section: B Risks and Challenges Of Mobile Bankingmentioning

confidence: 99%

“…Cyber-attacks threaten the banking industry as a whole, not only in developing nations. Thus, to overcome and reduce the potential consequences of cyber-attacks, banks should regularly conduct security self-audits to identify and strengthen the weakest points in their systems [32].…”

Section: B Risks and Challenges Of Mobile Bankingmentioning

confidence: 99%

Mobile Banking in Madagascar: Potential Benefits and Challenges

Rakotoarisoa,

Hajaina

2023

JMSD

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The existence of mobile banking promotes financial inclusiveness and upgrades the financial literacy of individuals. Mobile banking has drastically grown in the decades both in developed and developing nations. This fast pace of growth is a result of raising various types of products and services related to mobile money for users. In this work, we present additional information that needs to be understood about mobile banking in the context of Madagascar, Africa. The aim of this paper is to provide an overview of the potential benefits and challenges faced in adopting mobile banking. Understanding the current issues of mobile banking contributes to the advancement of theory and scientific knowledge in banking and finance. In addition to the contribution of this work to the literature on mobile banking, this yields insightful and comprehensive knowledge for the government, central banks, commercial banks, and other financial institutions in forming new strategies to improve the financial system and cope with technological advancement.

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Evaluating the security of electronic and mobile banking

Cited by 11 publications

References 3 publications

The Interest of Village Credit Institution Customers to Use the LPD Mobile Application with Trust as a Moderating Variable

The Interest of Village Credit Institution Customers to Use the LPD Mobile Application with Trust as a Moderating Variable

Political stability and corruption nexus: an international perspective on European and Asian countries

Mobile Banking in Madagascar: Potential Benefits and Challenges

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