34,680 research outputs found
A flexible architecture for privacy-aware trust management
In service-oriented systems a constellation of services cooperate, sharing potentially sensitive information and responsibilities. Cooperation is only possible if the different participants trust each other. As trust may depend on many different factors, in a flexible framework for Trust Management (TM) trust must be computed by combining different types of information. In this paper we describe the TAS3 TM framework which integrates independent TM systems into a single trust decision point. The TM framework supports intricate combinations whilst still remaining easily extensible. It also provides a unified trust evaluation interface to the (authorization framework of the) services. We demonstrate the flexibility of the approach by integrating three distinct TM paradigms: reputation-based TM, credential-based TM, and Key Performance Indicator TM. Finally, we discuss privacy concerns in TM systems and the directions to be taken for the definition of a privacy-friendly TM architecture.\u
The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review
The most widely used e-Banking instrument in �igeria is e-Payment, particularly the automatic teller machine
(ATM) card. However, with the adoption of e-Banking by all the banks in �igeria, the volume of cash in circulation
has continued to increase pre-and-post bank recapitalization/consolidation exercise. Furthermore, some of the 25 banks that survived the exercise were found lately to have depleted their capital base and have lost credibility before the consumers, e-Banking implementation notwithstanding.
Therefore, in this paper, we review the state of e-Banking implementation in �igeria and evaluate the influence of
trust on the adoption of e-Payment using an extended technology acceptance model (TAM). Similarly, we
investigate organizational reputation, perceived risk and perceived trust in the management of banks as a factor for
enhancing customer loyalty.
The findings in this work reveal that perceived ease of use and perceived usefulness are not only antecedent to ebanking
acceptance, they are also factors to retain customers to the use of e-banking system such as organizational
reputation, perceived risk and trust
Trust beyond reputation: A computational trust model based on stereotypes
Models of computational trust support users in taking decisions. They are
commonly used to guide users' judgements in online auction sites; or to
determine quality of contributions in Web 2.0 sites. However, most existing
systems require historical information about the past behavior of the specific
agent being judged. In contrast, in real life, to anticipate and to predict a
stranger's actions in absence of the knowledge of such behavioral history, we
often use our "instinct"- essentially stereotypes developed from our past
interactions with other "similar" persons. In this paper, we propose
StereoTrust, a computational trust model inspired by stereotypes as used in
real-life. A stereotype contains certain features of agents and an expected
outcome of the transaction. When facing a stranger, an agent derives its trust
by aggregating stereotypes matching the stranger's profile. Since stereotypes
are formed locally, recommendations stem from the trustor's own personal
experiences and perspective. Historical behavioral information, when available,
can be used to refine the analysis. According to our experiments using
Epinions.com dataset, StereoTrust compares favorably with existing trust models
that use different kinds of information and more complete historical
information
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