An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria

Nigeria was depicted to be the fastest growing telecommunications nation in African. Presently, all members of the Nigeria banking industry have engaged the use of Information and Communication Technology (ICT) as a platform for effective and efficient means of conducting financial transactions. This paper focuses on determining the level of users’ acceptance of the electronic banking services and investigating the factors that determine users’ behavioral intentions to use electronic banking systems in Nigeria. The survey instrument employed involved design and administration of a total of 500 survey questionnaires within the Lagos metropolis and its environs. An extended Technology Acceptance Model (TAM) was employed as a conceptual framework to investigate the factors that influence users’ acceptance and intention to use electronic banking. To test the model, data was collected from 292 customers from various commercial banks in Nigeria. The model measured the impact of Perceived Credibility (PC), Computer Self-Efficacy (CSE), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU) on customer attitude and customer attitude on customer adaptation. The result of this research shows that ATM still remains the most widely used form e-Banking service. Banks’ customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users

Factors Influencing People’s Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China

E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumers’ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumers’ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that “difficult to operate”, “unnecessary to use it” and “worry about the security” are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance

Trustee: A Trust Management System for Fog-enabled Cyber Physical Systems

In this paper, we propose a lightweight trust management system (TMS) for fog-enabled cyber physical systems (Fog-CPS). Trust computation is based on multi-factor and multi-dimensional parameters, and formulated as a statistical regression problem which is solved by employing random forest regression model. Additionally, as the Fog-CPS systems could be deployed in open and unprotected environments, the CPS devices and fog nodes are vulnerable to numerous attacks namely, collusion, self-promotion, badmouthing, ballot-stuffing, and opportunistic service. The compromised entities can impact the accuracy of trust computation model by increasing/decreasing the trust of other nodes. These challenges are addressed by designing a generic trust credibility model which can countermeasures the compromise of both CPS devices and fog nodes. The credibility of each newly computed trust value is evaluated and subsequently adjusted by correlating it with a standard deviation threshold. The standard deviation is quantified by computing the trust in two configurations of hostile environments and subsequently comparing it with the trust value in a legitimate/normal environment. Our results demonstrate that credibility model successfully countermeasures the malicious behaviour of all Fog-CPS entities i.e. CPS devices and fog nodes. The multi-factor trust assessment and credibility evaluation enable accurate and precise trust computation and guarantee a dependable Fog-CPS system

Intangible trust requirements - how to fill the requirements trust "gap"?

Previous research efforts have been expended in terms of the capture and subsequent instantiation of "soft" trust requirements that relate to HCI usability concerns or in relation to "hard" tangible security requirements that primarily relate to security a ssurance and security protocols. Little direct focus has been paid to managing intangible trust related requirements per se. This 'gap' is perhaps most evident in the public B2C (Business to Consumer) E- Systems we all use on a daily basis. Some speculative suggestions are made as to how to fill the 'gap'. Visual card sorting is suggested as a suitable evaluative tool; whilst deontic logic trust norms and UML extended notation are the suggested (methodologically invariant) means by which software development teams can perhaps more fully capture hence visualize intangible trust requirements

Purging of untrustworthy recommendations from a grid

In grid computing, trust has massive significance. There is lot of research to propose various models in providing trusted resource sharing mechanisms. The trust is a belief or perception that various researchers have tried to correlate with some computational model. Trust on any entity can be direct or indirect. Direct trust is the impact of either first impression over the entity or acquired during some direct interaction. Indirect trust is the trust may be due to either reputation gained or recommendations received from various recommenders of a particular domain in a grid or any other domain outside that grid or outside that grid itself. Unfortunately, malicious indirect trust leads to the misuse of valuable resources of the grid. This paper proposes the mechanism of identifying and purging the untrustworthy recommendations in the grid environment. Through the obtained results, we show the way of purging of untrustworthy entities.Comment: 8 pages, 4 figures, 1 table published by IJNGN journal; International Journal of Next-Generation Networks (IJNGN) Vol.3, No.4, December 201