Who Goes There? Internet Banking: A Matter of Risk and Reward

McCullagh, Adrian; Caelli, William

doi:10.1007/11506157_29

Cited by 3 publications

(4 citation statements)

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“…BOA is arguing that the problem lay with the security of AHLO's PC rather than its own networks and so the responsibility rests with AHLO. The Secret Service found that AHLO's computer was infected with the Trojan called Coreflood, though it does not state it was the cause [18], [21].…”

Section: Testing the Responsibility For Security: The Ahlo Casementioning

confidence: 99%

“…PC manufacturers and suppliers of related products have clearly stated that the PC is not suitable for home banking. This is even more true as criminal attacks on Internet banking have become more sophisticated, particularly with the development of key logger software [2], [21].…”

Section: Introductionmentioning

confidence: 99%

“…Though Australian Standards relating to Electronic Funds Transfer and the EFT Code of Conduct provide consumer protections, the protections for Internet banking have still to be tested in court. McCullagh and Caelli document a case where the National Australia Bank reimbursed one of its customers whose Internet banking from a cyber café was intercepted by a Trojan key logger [21].…”

Section: Introductionmentioning

confidence: 99%

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The Social Dimensions of the Security of Internet Banking

Singh

2006

JTAER

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This paper examines the users’ perspective on the security of Internet banking in Australia within the social context. This user-centered design approach supplements the technological and industrial approaches to security. The user-centered research on banking was conducted at the Royal Melbourne University of Technology University and Griffith University, both of which are part of the Smart Internet Technology Cooperative Research Centre. We conclude that the most effective way to increase the perception of Internet banking security is to increase ease of use, convenience, personalisation and trust. Without the perception of security, there will be little trust in banking and transactions on the Internet. This will impede the use of Internet banking and e-commerce which are increasingly important aspects of the nation’s critical infrastructure.

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Section: Testing the Responsibility For Security: The Ahlo Casementioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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The Social Dimensions of the Security of Internet Banking

Singh

2006

JTAER

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“…The security concern has also been recently associated more with female than male non-users (ACNielsen, 2005). According to McCullagh and Caelli (2005), Australian personal computers (PCs) should be made more secure to improve the security of Internet banking. They suggest that emerging plans for two-factor authentication are an insufficient response to the increasing incidence of phishing.…”

Section: Consumer Security Privacy and Trust Concerns In Internet Ban...mentioning

confidence: 99%

To Choose or Not to Choose

Williamson

Lichtenstein

Sullivan

et al. 2006

International Journal of Technology and Human Interaction

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This paper explores Australian domestic customers’ choices with regard to Internet banking, examining why it is taken up by some Australians and not others. The constructivist conceptual framework and the grounded nature of the method enabled in-depth exploration of key issues not undertaken before by the mainly positivist studies. The purposeful sample of 32 participants was selected to represent the major categories of people relevant to the research. Everett Rogers’ famous analysis of ‘diffusion of innovations’ was one theoretical framework used to illuminate the findings; the other was digital divide factors in relation to banking choices. The findings include 1) that the major motivation for people to adopt Internet banking is convenience, closely linked to time savings and ease of accessibility, as well as confidence and skill in Internet use; and 2) that, at the time of the study, digital divide factors were playing an important part in banking choices.

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Bibliography

2014

Cybercrime and Cyberwarfare

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Who Goes There? Internet Banking: A Matter of Risk and Reward

Cited by 3 publications

References 0 publications

The Social Dimensions of the Security of Internet Banking

The Social Dimensions of the Security of Internet Banking

To Choose or Not to Choose

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