Mobile phone and e-government in Turkey: practices and technological choices at the cross-road

Enhanced data services through mobile phones are expected to be soon fully transactional and embedded within future mobile consumption practices. While private services will surely continue to take the lead, others such as government and NGOs will become more prominent m-players. It is not yet sure which form of technological standards will take the lead including enhance SMS based operations or Internet based specifically developed mobile phone applications. With the introduction of interactive transactions via mobile phones, currently untapped segment of the populations (without computers) have the potential to be accessed. Our research, as a reflection of the current market situation in an emerging country context, in the case of mobile phones analyzes the current needs or emergence of dependencies regarding the use of m/e-government services from the perspective of municipality officers. We contend that more research is needed to understand current preparatory bottlenecks and front loading activities to be able to encourage future intention to use e-government services through mobile phone technologies. This study highlights and interprets the current emerging practices and praxis for consuming m-government services within government

Assessment of the Opportunities and Challenges for the Adoption of E-Banking Service in Ethiopia: A study with reference to selected commercial Banks

Despite the growth of e-banking adoption worldwide, Ethiopian banks continue to conduct most of their banking transactions using traditional methods. The general objective of the study was assessment of the current extent and practices, benefits realized by banks, driving forces, opportunities and challenges for the adoption of e-banking service in Ethiopia. From this general objective, five specific issues were explored. An exploratory research design was employed to conduct this study. Both primary and secondary qualitative data were collected for the purpose of this study from the IT manager’s of each bank at the head office level and bank web sites respectively. The collected data was analyzed by using descriptive analysis such as tables and percentages. From an analysis of the collected data, the findings revealed that: balance inquiry, cash withdrawal, funds transfers, statement printing are among the major practice of e-banking among those banks that are providing the service to the customer. The different e-banking channels by which banks are using to provide these services to the customer are ATM card, debit card, credit card, salary card, visa card, master card, Internet banking and Mobile or SMS banking. Cost reduction, coverage of wide geographical area, customer satisfactions etc are among the benefits of adopting the system from the viewpoint of the bank. Among the different driving forces that initiate banks to adopt e-banking services: existence of high competition in the banking industry, desire to improve organizational performance, desire to reduce transaction cost, desire to cover wide geographical area, and desire to build organizational reputation are among others. Chances of risk, Lack of suitable legal and regulatory framework, absence of financial networks that links different banks, Low level of internet penetration and poorly developed telecommunication infrastructure, high cost of internet, security concerns are among the major challenges for the adoption of e-banking service in the country. However, late adopter opportunities, improvement in the banking habit of the society, commitment of the government to facilitate the expansion of ICT infrastructure and willingness among banks to cooperate in building infrastructure are the major opportunities for the adoption of the system in the banking industry

The Supervisory Impact of Technology on SEACEN Financial Institutions: Issues and Challenges

The development of financial markets cannot be isolated from the influence of technology. Technology, especially information technology (IT), plays a dual role in the financial field - as the engine of development of financial products and as the engine of financial institution operations. The operations of financial institutions in SEACEN countries involving the use of IT take on the second role. The more advanced SEACEN countries can actually compete with the world leaders in IT implementation by financial institutions. However, in terms of the second role of IT, SEACEN countries are still following the lead of the developed countries. This research project is aimed at providing a comparative study on the IT implementation within SEACEN financial sectors, including its supervisory impacts, issues and challenges. The project also serves as a documentation of the development of IT implementation by financial institutions in the SEACEN region. Since most central banks in the region are the authorities for the supervision of banking systems and not of non-bank financial institutions, the discussions on financial institutions pertain to banks. The project addresses the international best practices in IT implementation, cross-country comparison regarding IT implementation by financial institutions, the supervisory impacts, and the IT supervisory framework. SEACEN countries have different levels of IT implementation and IT supervisory frameworks. The country papers and survey results show that there are three different levels of IT implementation in the SEACEN countries. They are: 1) Developed IT implementation and established IT supervisory framework; 2) Early stage of IT implementation with less-established IT supervisory framework; and 3) Less-developed IT implementation. For each level of implementation, countries face different issues and challenges. Wherever IT implementation has become an important part of financial institution operations and management, the SEACEN member central banks consider IT supervision as an integral part of the overall financial institution supervisory framework. However, since there is cross-country heterogeneity of IT implementation and IT supervisory framework, suggesting a minimum requirement for IT implementation for institutions and a model IT supervisory framework is very difficult. The research project also addresses some issues and challenges faced by the countries in the region in terms of mitigating IT risks and bringing IT implementation by financial institutions in the region to a level playing field according to international best practices. The issues and challenges suggest the need to increase cooperation among the SEACEN member countries to increase IT awareness, implement good IT governance through establishing IT supervisory frameworks which conform to international best practices, increase knowledge sharing and training programmes in order to speed up the spill-over effects from the more advanced countries in the region.

Customer satisfaction with the electronic banking services in Zimbabwe: a case of Mashonaland West Province, Zimbabwe.

Doctoral Degree. University of KwaZulu-Natal, Pietermaritzburg.With the constant advances in technology, it is expected that life should become easier in various way, one of these being that people would no longer have to wait in queues in banks as technology allows people to do most of their transactions by computer or cell phone. This research sought to gather information on customer satisfaction with the electronic banking (e-banking) facilities and services in Zimbabwe. The problem which was identified is that people spend a lot of time waiting in queues for services they could access much more quickly on e-banking platforms. Three e-banking platforms were examined, these being automated teller machines (ATMs), internet banking, and mobile banking (m-banking). The research took the form of a descriptive case study design. It also took a mixed method approach where both quantitative and qualitative data was used. Mashonaland West Province in Zimbabwe was the location for the study. Questionnaires were distributed in all seven districts of this province, on a pro rata basis depending on population size. According to the 2012 census survey in Zimbabwe, the total population of economically active people, between the ages of 15 and 64 years living in the province was 825 911 people. The researcher used Kredjice and Morgan’s table to calculate the sample size of 384 people. Two hundred and eighty-three (283) questionnaires were returned out of the three Hundred and eighty-four (384) questionnaires which were distributed, thus the response rate was 73.7%. The Statistical Package for the Social Sciences (version 20) was used to analyze the data. Results showed that e-banking services in Zimbabwe are satisfactory as there was not a single attribute of banking where the majority of people showed dissatisfaction. However, there is a need for Zimbabwean banks to continue to educate citizens on how to use e-banking facilities effectively. Internet banking had the lowest levels of reported user satisfaction with the problem emanating from a lack of internet access by the majority of citizens. There was also no significant gap realized between bank sector managers’ perceptions of customers’ needs and wants and the actual needs of customers. A model for adoption of electronic banking in Zimbabwe has been developed by the researcher and is made up of five key factors which determine the adoption of electronic banking in Zimbabwe, these are: education, accessibility, ease of use, friendliness, and security. These key factors determine the success of electronic banking in Zimbabwe. If this model is adopted it can assist Zimbabwe banks in new products development, improving service quality and therefore establish sustainable competitive advantage

Mobile e-commerce: study and model generation, implementation issues and analysis

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ICTs AND THE DIGITISATION OF THE BANKING INDUSTRY IN NIGERIA: A SOCIOLOGICAL APPRAISAL

ICTs have become the creator of a fast-forward modernising post-utopian society with the promise of totalitarian transformation that has affected many sectors and areas of human interests. Fast-paced technological and economic changes have accelerated human experiences in a triumphalist fashion, providing convenience, ease, time- and cost-saving advantages. The Nigerian banking industry has not been left behind. Rather, the industry has grown from a manually driven to a digitally dependent industry with ICT-enabled services and product innovations to improve the lives of bank consumers in the country. Silhouetted against the modernisation paradigm, the industry and country need to brace up to tap into the opportunities and possibilities created by ICTs. Since ICT is the face of the future, the challenges facing ICT-enabled banking services must be removed so that the Nigerian banking industry can deepen its application of ICTs in the industry and provide citizens with greater product options and innovations which are needed for these banks and citizens to ably function in the new global techno-market orde

The Development of eServices in an Enlarged EU:eGovernment and eHealth in Malta

In 2005, IPTS launched a project which aimed to assess the developments in eGoverment, eHealth and eLearning in the 10 New Member States at national, and at cross-country level. At that time, the 10 New Member States were Cyprus, the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Malta, Poland, Slovenia, and Slovakia. A report for each country was produced, describing its government and health systems and the role played by eGovernment and eHealth within these systems. Each report then analyzes, on the basis of desk research and expert interviews, the major achievements, shortcomings, drivers and barriers in the development of eGovernment and eHealth in one of the countries in question. This analysis provides the basis for the identification and discussion of national policy options to address the major challenges and to suggest R&D issues relevant to the needs of each country ¿ in this case, Malta. In addition to national monographs, the project has delivered a synthesis report, which offers an integrated view of the developments of each application domain in the New Member States. Furthermore, a prospective report looking across and beyond the development of the eGoverment, eHealth and eLearning areas has been developed to summarize policy challenges and options for the development of eServices and the Information Society towards the goals of Lisbon and i2010.JRC.J.4-Information Societ

Portugal: Leapfrogging Digital Transformation

This report is structured as follow: Section 1 presents details about Portugal enabling or inhibiting its digital transformation. Section 2 analyzes the main motivations for the digital transformation strategy; Section 3 summarizes its main challenges, while Section 4 presents the main components of the strategy. Section 5 analyzes the governance model, and Section 6, the legal and regulatory framework. Section 7 discusses critical enablers for the digital transformation of government services. Section 8 introduces 16 key initiatives of the strategy. Section 9 summarizes the lessons learnt, followed by an assessment of the strategy’s impact in Section 10. Section 11 synthesizes lessons for Latin American countries. Finally, Appendix A enumerates main legal and regulatory instruments supporting the digital transformation in Portugal, Appendix B presents a set of 18 sections providing details of the initiatives analyzed in the report1, and Appendix C explains how the digital transformation efforts contributed to face the challenges raised by the COVID-19 pandemics.Fil: Estevez, Elsa Clara. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad Nacional de La Plata; ArgentinaFil: Fillottrani, Pablo. Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas; Argentina. Universidad Nacional del Sur; ArgentinaFil: Linares, Sebastián. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; ArgentinaFil: Cledou, Maria Guillermina. Universidade do Minho; Portuga

Электронный бизнес : Часть 2 = Electronic business : 2nd part : учебное пособие

Учебное пособие посвящено трем основным аспектам электронного бизнеса: «Электронные финансы», «Электронное правительство» и «Разработка вебприложения для электронного бизнеса». Модуль «Электронные финансы» дает знания о теоретических и практических аспектах развития электронных финансовых услуг, онлайн-торговли ценными бумагами и валютой, об электронном банкинге, интернет-страховании, безопасности и защите интернет-банкинга. Модуль «Электронное правительство» освещает области веб-технологий, их применения в государственном управлении, а также разработки и управления проектами. Модуль «Разработка веб-приложений для электронного бизнеса» посвящен техническим вопросам создания веб-приложений. В частности, обсуждаются вопросы разработки пользовательского интерфейса, создания навигации веб-приложений, верстки веб-страниц, работы с базами данных в веб-приложениях. Учебное пособие предназначено для студентов экономических специальностей

An investigation into the usability and acceptability of multi-channel authentication to online banking users in Oman

Authentication mechanisms provide the cornerstone for security for many distributed systems, especially for increasingly popular online applications. For decades, widely used, traditional authentication methods included passwords and PINs that are now inadequate to protect online users and organizations from ever more sophisticated attacks. This study proposes an improvement to traditional authentication mechanisms. The solution introduced here includes a one-time-password (OTP) and incorporates the concept of multiple levels and multiple channels – features that are much more successful than traditional authentication mechanisms in protecting users' online accounts from being compromised. This research study reviews and evaluates current authentication classes and mechanisms and proposes an authentication mechanism that uses a variety of techniques, including multiple channels, to resist attacks more effectively than most commonly used mechanisms. Three aspects of the mechanism were evaluated: 1. The security of multi-channel authentication (MCA) was evaluated in theoretical terms, using a widely accepted methodology. 2. The usability was evaluated by carrying out a user study. 3. Finally, the acceptability thereof was evaluated by asking the participants in study (2) specific questions which aligned with the technology acceptance model (TAM). The study’s analysis of the data, gathered from online questionnaires and application log tables, showed that most participants found the MCA mechanism superior to other available authentication mechanisms and clearly supported the proposed MCA mechanism and the benefits that it provides. The research presents guidelines on how to implement the proposed mechanism, provides a detailed analysis of its effectiveness in protecting users' online accounts against specific, commonly deployed attacks, and reports on its usability and acceptability. It represents a significant step forward in the evolution of authentication mechanisms meeting the security needs of online users while maintaining usability