Biometrics Technologies Implementation in Internet Banking Reduce Security Issues?

AbstractInformation security is a great concern to computer users, which is not only a technical problem, but also related to human factors. One of the main issues in Malaysia related to Internet banking is the weak security in Internet banking application. Therefore this study will investigate further the solution to enhance the security issues in Internet banking implementation. In today s high speed world, millions of transactions occur every minute. For these transactions, data need to be readily available for the genuine people who want to have access, and it must be kept securely from imposters. There are three basic approaches to the verification of an individual s identity: something you have (e.g. Debit card), something you know (e.g. password, PIN) and something you are (e.g. fingerprint), which is unique about yourself and cannot be shared. Moreover, the benefits of investigating biometric authentication systems in online banking will secure the log in process to the system and removes password vulnerabilities; enhanced convenience such as employees quickly log in using their finger; reduced help desk costs by eliminating calls for password resets. Many systems utilize a combination of these methods in order to increase the level of security. Thus, a possible option is to introduce biometric authentication

Identity for All, Service to None: A Survey of Post-Adoption Effects of Identification Policy in Nigerian Public Service

The adoption of digital identification is one of the key drivers of the ongoing conversations about the multiple digitisations of the Nigerian public administration Despite the operations of identification policy in Nigeria for more than a decade the e-identification ecosystem which is expected to drive financial and social inclusion as well as enhance e-governability is being confronted with the vicious cycle of low enrollment especially among the lower class communities For instance during Covid-19 intervention the database of the indigents was revealed to be only 2 5 million in the face of extreme poverty in the country Yet subsequent governments emphasised the need for citizens onboarding on the national database citing the significant role digital identification plays in providing effective administration of public services The investigation of the post-adoption effects of the identification policy on activities of public administration agencies in Nigeria shows a dim outlook The results questioned the possibility of the ongoing digitization to effectively support the provision of governmental services to publi

ICT for Economic Development in Rwanda: Fostering E-Commerce Adoption in Tourism SMEs

Small and Medium Enterprises (SMEs) in the Rwandan tourism sector are slow in adopting information and communication technology (ICT) and especially e-commerce applications (Nibigira 2014). In the effort to pinpoint the drivers promising more extensive EC roll-out and thus economic and societal ICT-driven improvements in Rwanda, we firstly show some ongoing initiatives that of deploying ICT and e-commerce Rwanda. We then investigate more specifically the key determinants of EC adoption in the context of Rwanda. To that end, we adopt the Perceived E-Readiness Model (PERM) developed by Molla and Licker (2005) and apply it to ecommerce adoption in Rwandan tourism SMEs. From better understanding what accelerates or impedes ICT and e-commerce adoption in the Rwandan tourism sector, we hope to derive arguments for further fostering ICT roll-out in general and the e-commerce roll-out in particular in Rwanda – first throughout the Rwandan tourism sector and subsequently throughout other SME-based business sectors – and thus to contribute to the country\u27s economic and societal development along the lines of many Information and Communication Technology for Development (ICT4D) studies (Heeks 2006, Heeks and Molla 2007, Zelenika and Pearce 2013)

Attitude and behavioral intention towards internet banking adoption of generation Y customers – an emerging market perspective

Abstract: The study investigates the extent to which perceived usefulness and perceived web-based privacy influences the attitude and behavioral intention towards internet banking adoption of Generation Y customers an emerging market..

E-Government: Challenges and Opportunities in Botswana

Abstract Purpose -The purpose of this paper is to examine the challenges encountered in e-government implementation, as well as the potential opportunities available in the context of Botswana society. Design/methodology/approach -A detailed examination and analysis of Botswana's published e-government vision and strategy is presented, together with a review of other relevant literature. Findings -The findings and implications of this study reveal Botswana is still lagging behind in utilizing information and communication technologies for delivering government services online. Practical implications -An understanding of the current status of e-government in Botswana can help policy makers in the country pursue development of the public sector organizations on the one hand, and would be of importance for Botswana's economic future success on the other. Originality/value -This is believed to be the most up-to-date and comprehensive analysis of Botswana's plans and assessment of its level of readiness for delivery of e-government services

Innovation attributes and managers' decisions about the adoption of innovations in organizations: A meta-analytical review

The adop­tion of in­no­va­tions has emerged as a dom­i­nant re­search topic in the man­age­ment of in­no­va­tion in or­ga­ni­za­tions, al­though in­ves­ti­ga­tions of­ten yield mixed re­sults. To help man­agers and re­searchers im­prove their ef­fec­tive­ness, the au­thors em­ployed a meta-analy­sis in­te­grated with struc­tural equa­tion mod­el­ing to an­a­lyze the as­so­ci­a­tions be­tween the at­trib­utes of in­no­va­tions, man­agers' be­hav­ioral pref­er­ences, and or­ga­ni­za­tions' in­no­va­tion adop­tion de­ci­sions in a me­di­ated-mod­er­ated frame­work. Our find­ings of­fer ev­i­dence that at­trib­utes of in­no­va­tions in­flu­ence man­agers' be­hav­ioral pref­er­ences and, con­se­quently, adop­tion de­ci­sions in or­ga­ni­za­tions. We also ob­serve the sig­nif­i­cance of the con­text in which the adop­tion de­ci­sion oc­curs as well as the re­search set­tings em­ployed by schol­ars. Fi­nally, we dis­cuss the the­o­ret­i­cal con­tri­bu­tion and prac­ti­cal im­pli­ca­tions of our meta-an­a­lyt­i­cal re­sults

Building a Strong Undergraduate Research Culture in African Universities

Africa had a late start in the race to setting up and obtaining universities with research quality fundamentals. According to Mamdani [5], the first colonial universities were few and far between: Makerere in East Africa, Ibadan and Legon in West Africa. This last place in the race, compared to other continents, has had tremendous implications in the development plans for the continent. For Africa, the race has been difficult from a late start to an insurmountable litany of problems that include difficulty in equipment acquisition, lack of capacity, limited research and development resources and lack of investments in local universities. In fact most of these universities are very recent with many less than 50 years in business except a few. To help reduce the labor costs incurred by the colonial masters of shipping Europeans to Africa to do mere clerical jobs, they started training ―workshops‖ calling them technical or business colleges. According to Mamdani, meeting colonial needs was to be achieved while avoiding the ―Indian disease‖ in Africa -- that is, the development of an educated middle class, a group most likely to carry the virus of nationalism. Upon independence, most of these ―workshops‖ were turned into national ―universities‖, but with no clear role in national development. These national ―universities‖ were catering for children of the new African political elites. Through the seventies and eighties, most African universities were still without development agendas and were still doing business as usual. Meanwhile, governments strapped with lack of money saw no need of putting more scarce resources into big white elephants. By mid-eighties, even the UN and IMF were calling for a limit on funding African universities. In today‘s African university, the traditional curiosity driven research model has been replaced by a market-driven model dominated by a consultancy culture according to Mamdani (Mamdani, Mail and Guardian Online). The prevailing research culture as intellectual life in universities has been reduced to bare-bones classroom activity, seminars and workshops have migrated to hotels and workshop attendance going with transport allowances and per diems (Mamdani, Mail and Guardian Online). There is need to remedy this situation and that is the focus of this paper

Biometric authentication systems for secured e-transactions in Saudi Arabia. An empirical investigation of the factors affecting users' acceptance of fingerprint authentication systems to improve online security for e-commerce and e-government websites in Saudi Arabia.

Security is becoming an increasingly important issue for business, and with it comes the need for appropriate authentication; consequently, it is becoming gradually more important to develop secure e-commerce systems. Fraud via the web, identity theft, and phishing are raising concerns for users and financial organisations. In addition, current authentication methods, like passwords, have many problems (e.g. some users write them down, they forget them, or they make them easy to hack). We can overcome these drawbacks by using biometric authentication systems. Biometric systems are being used for personal authentication in response to the rising issue of authentication and security. Biometrics provide much promise, in terms of preserving our identities without the inconvenience of carrying ID cards and/or remembering passwords. This research is important because the securing of e-commerce transactions is becoming increasingly important. Identity theft, hacking and viruses are growing threats to Internet users. As more people use the Internet, more identity theft cases are being reported. This could harm not only the users, but also the reputation of the organisations whose names are used in these illegal acts. For example, in the UK, online banking fraud doubled in 2008 compared to 2007. More users took to e-shopping and online banking, but failed to take necessary protection. For non-western cultures, the figures for web security, in 2008, illustrated that Saudi Arabia was ranked ninth worldwide for users who had been attacked over the web. The above statistics reflect the significance of information security with e-commerce systems. As with any new technology, user acceptance of the new technology is often hard to measure. In this thesis, a study of user acceptance of biometric authentication systems in e-transactions, such as online banking, within Saudi society was conducted. It examined whether Saudis are practically willing to accept this technology. This thesis focuses upon Saudi Arabia, which has developing economy. It has achieved a rapid rate of growth, and therefore makes an interesting and unique case study. From an economist¿s point of view, Saudi Arabia is the powerhouse of the Middle East. It has the leading regional economy, and, even though it is still relatively young. It has a young and rapid growing population; therefore, this makes Saudi Arabia an attractive potential market for all kinds of e-commerce applications. Having said that, with more than half of population under the age of 30 are more to be expected to take the risk of accepting new technology. For this work, 306 Saudi participants were involved in the experiments. A laboratory experiment was created that actively tested a biometric authentication system in combination with a survey. The Technology Acceptance Model (TAM) was adopted in the first experimental phase as the theoretical basis on which to develop the iv research framework, the model has proven its efficiency as a good predictor for the biometric authentication system. Furthermore, in a second experimental phase, the Unified Theory of Acceptance and Use of Technology (UTAUT) with moderating variables such as age, gender and education level was examined as a proposed conceptual framework to overcome the limitations of TAM. The aim of the study was to explore factors affecting users¿ acceptance of biometric authentication systems. The findings from Structural Equation Modelling (SEM) analysis indicate that education level is a significant moderating factor, while gender and age do not record as significant. This thesis added new knowledge to this field and highlighted the importance of the perceptions of users regarding biometric security technologies. It helps determine the factors affecting the acceptance of biometric technology. To our knowledge, this is the first systematic study of this issue carried out by academic and non-biased researchers in Saudi Arabia. Furthermore, the thesis presents security technology companies and developers of information security products with information to help in the determination of what is significant to their user base when taking into account the introduction of new secure systems and products