Strengthening e-banking security using keystroke dynamics

This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literature review found that keystroke dynamics can offer impressive accuracy rates for user identification. Low costs of deployment and minimal change to users modus operandi make this technology an attractive investment for banks. The paper goes on to argue that although this behavioural biometric may not be suitable as a primary method of authentication, it can be used as a secondary or tertiary method to complement existing authentication systems

Critical success factors for preventing E-banking fraud

E-Banking fraud is an issue being experienced globally and is continuing to prove costly to both banks and customers. Frauds in e-banking services occur as a result of various compromises in security ranging from weak authentication systems to insufficient internal controls. Lack of research in this area is problematic for practitioners so there is need to conduct research to help improve security and prevent stakeholders from losing confidence in the system. The purpose of this paper is to understand factors that could be critical in strengthening fraud prevention systems in electronic banking. The paper reviews relevant literatures to help identify potential critical success factors of frauds prevention in e-banking. Our findings show that beyond technology, there are other factors that need to be considered such as internal controls, customer education and staff education etc. These findings will help assist banks and regulators with information on specific areas that should be addressed to build on their existing fraud prevention systems

Convergence Model of Governance: A Case Study of the Local Government System of Pakistan

The future of devolution plan in Pakistan may be analysed in view of our Convergence model. This model views stability of the local Govt. system drawn on Devolution Plan 2001. It claims that as there would be more volatile and non-committed (floating) number of agents in the political market and governance system, there is more probability of divergence; i.e. the system will remain unstable. Contrary to that more is the systematic trend in political market and governance system more is the probability that the convergence in the system occurs and that in turn leads to stability of the over all system. In this ‘Convergence’ Model different types of agents have been highlighted on the basis of their political ffiliation and being in competition as ruling elite and/or their allies and non-ruling elite and/or their allies. The agents have interactive relationship horizontally and vertically with other agents i.e. either they are ally or otherwise. The composition of this structure of the agents and clients is based on the principle of bottom top pproach i.e. Union council’s members, Nazim and their political competitors, Tehsil council and Nazim, District Nazim and his allied district assembly members and their political competitors, Member provincial Assembly and their political rivals, Member National Assembly/Senator, and their political rival and the ruling political elites, Provincial Government and their political rivals, and Political elites ruling Federal Government and their political rivals.

The relationship between suicide and Islam: a cross-national study

Background: Traditionally, suicide rates were low in Islamic countries. However, the process of modernization can erode the ties of the individual to society and lead to questioning of religion and weakening of faith. Therefore, a cross-national study with the null hypothesis that there will be no relationship between general population suicide rates and the percentage of adherents of Islam was undertaken. Methods: The correlation between general population suicide rates and the percentage of people in the general population adherent to Islam, whilst controlling for socioeconomic status and income inequality, was examined using cross-national data from the World Health Organization and the United Nations. Results: There were significant negative correlations between general population suicide rate and the percentage of people adherent to Islam in males and females whilst controlling for socioeconomic status and income inequality. Conclusions: Caution should be exercised in attributing a causal relationship and the direction of causality from this ecological study due to ecological fallacy. However, there is case to study further the impact of Islam on suicide by in-depth study of adherents Islam with and without suicidal ideation and behaviors

Knowledge Management Practice at a Bulgarian Bank: A Case Study

This paper reports on knowledge management (KM) practices in the customer service and lending departments of one of Bulgaria's top retail banks and investigates how KM processes can be further improved. The Bank's KM activities have been studied using observations, interviews and informal discussions for data collection. Findings were compared and contrasted with existing literature in similar contexts. Although rudiments of knowledge sharing are evident from the KM activities in different departments of the bank, the limitations such as resistance to change of the implemented KM systems are impeding the effectiveness of the knowledge management process. More training and incentives are needed to increase knowledge creation and sharing. Moreover, a clearly articulated KM strategy along with success criteria and commitment and support from senior management is needed. There is a severe lack of knowledge management studies in Bulgarian context in general and Bulgarian banking sector in particular. The authors' findings will potentially help in improving knowledge sharing practice as well as provide a valuable insight into knowledge management related issues in the Bulgarian context. The findings from this research can be useful to companies from Eastern Europe and other regions in improving their knowledge sharing practice

Magnetohydrodynamic Viscous Flow Over a Shrinking Sheet With Second Order Slip Flow Model

In this paper, we investigate the magnetohydrodynamic viscous flow with second order slip flow model over a permeable shrinking surface. We have obtained the closed form of exact solution of Navier-Stokes equations by using similarity variable technique. The effects of slip, suction and magnetic parameter have been investigated in detail. The results show that there are two solution branches, namely lower and upper solution branch. The behavior of velocity and shear stress profiles for different values of slip, suction and magnetic parameters has been discussed through graphs.Comment: 13 Pages, 8 Figures. Accepted for Publication in Heat Transfer Researc