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@article{DBLP:journals/access/HajiabbasiAM23,
  author       = {Milad Hajiabbasi and
                  Ehsan Akhtarkavan and
                  Babak Majidi},
  title        = {Cyber-Physical Customer Management for Internet of Robotic Things-Enabled
                  Banking},
  journal      = {{IEEE} Access},
  volume       = {11},
  pages        = {34062--34079},
  year         = {2023},
  url          = {https://doi.org/10.1109/ACCESS.2023.3263859},
  doi          = {10.1109/ACCESS.2023.3263859},
  timestamp    = {Sat, 29 Apr 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/HajiabbasiAM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cejcs/Wang23,
  author       = {Yanzhao Wang},
  title        = {Intelligent cluster construction of internet financial security protection
                  system in banking industry},
  journal      = {Open Comput. Sci.},
  volume       = {13},
  number       = {1},
  year         = {2023},
  url          = {https://doi.org/10.1515/comp-2022-0268},
  doi          = {10.1515/COMP-2022-0268},
  timestamp    = {Wed, 14 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cejcs/Wang23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fi/AhmedSWA23,
  author       = {Khaled A. M. Ahmed and
                  Sabry F. Saraya and
                  John F. Wanis and
                  Amr M. T. Ali{-}Eldin},
  title        = {A Blockchain Self-Sovereign Identity for Open Banking Secured by the
                  Customer's Banking Cards},
  journal      = {Future Internet},
  volume       = {15},
  number       = {6},
  pages        = {208},
  year         = {2023},
  url          = {https://doi.org/10.3390/fi15060208},
  doi          = {10.3390/FI15060208},
  timestamp    = {Fri, 07 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/fi/AhmedSWA23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fi/OrehovackiBK23,
  author       = {Tihomir Orehovacki and
                  Luka Blaskovic and
                  Matej Kurevija},
  title        = {Evaluating the Perceived Quality of Mobile Banking Applications in
                  Croatia: An Empirical Study},
  journal      = {Future Internet},
  volume       = {15},
  number       = {1},
  pages        = {8},
  year         = {2023},
  url          = {https://doi.org/10.3390/fi15010008},
  doi          = {10.3390/FI15010008},
  timestamp    = {Tue, 31 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/fi/OrehovackiBK23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/X22,
  title        = {Exploring the role of social proof of credibility and usability for
                  internet banking adoption through media networks},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {18},
  number       = {1},
  pages        = {0},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijebr.290057},
  doi          = {10.4018/IJEBR.290057},
  timestamp    = {Mon, 14 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/X22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijec/Li22a,
  author       = {Zhangzhi Li},
  title        = {The Marketing Prospects of Consumer Trust in Banking Services to Reduce
                  Perceived Financial Risk and Enhance Intention to Use Internet Banking},
  journal      = {Int. J. e Collab.},
  volume       = {18},
  number       = {3},
  pages        = {1--13},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijec.307128},
  doi          = {10.4018/IJEC.307128},
  timestamp    = {Wed, 12 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijec/Li22a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijskd/ThangavelTRBB22,
  author       = {Chandrakumar Thangavel and
                  Ramya Thangavel and
                  Elangovan Ramanujam and
                  Deepthi Tabitha Bennet and
                  Preethi Samantha Bennet},
  title        = {Consumer Perception of Internet Banking and Mobile Banking Using Twitter
                  Analytics},
  journal      = {Int. J. Sociotechnology Knowl. Dev.},
  volume       = {14},
  number       = {1},
  pages        = {1--14},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijskd.297978},
  doi          = {10.4018/IJSKD.297978},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijskd/ThangavelTRBB22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijwp/AlsalemA22,
  author       = {Amna Alsalem and
                  Emad Ahmed Abu{-}Shanab},
  title        = {Challenges and Factors Influencing the Adoption of Internet Banking
                  in Qatar},
  journal      = {Int. J. Web Portals},
  volume       = {14},
  number       = {1},
  pages        = {1--20},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijwp.298991},
  doi          = {10.4018/IJWP.298991},
  timestamp    = {Thu, 25 Aug 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijwp/AlsalemA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/imcs/ManoharanKHA22,
  author       = {Suganthi Manoharan and
                  Norliza Katuk and
                  Syahida Hassan and
                  Rahayu Ahmad},
  title        = {To click or not to click the link: the factors influencing internet
                  banking users' intention in responding to phishing emails},
  journal      = {Inf. Comput. Secur.},
  volume       = {30},
  number       = {1},
  pages        = {37--62},
  year         = {2022},
  url          = {https://doi.org/10.1108/ICS-04-2021-0046},
  doi          = {10.1108/ICS-04-2021-0046},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/imcs/ManoharanKHA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/centeris/HouL22,
  author       = {Avus Hou and
                  Yu Zhan Lu},
  editor       = {Maria Manuela Cruz{-}Cunha and
                  Ricardo Martinho and
                  Rui Rijo and
                  Dulce Domingos and
                  Emanuel Peres},
  title        = {The obstacles of Internet-only bank as an alternative banking service},
  booktitle    = {{CENTERIS} 2022 - International Conference on ENTERprise Information
                  Systems / ProjMAN - International Conference on Project MANagement
                  / HCist - International Conference on Health and Social Care Information
                  Systems and Technologies 2022, Hybrid Event / Lisbon, Portugal, November
                  9-11, 2022},
  pages        = {642--646},
  publisher    = {Elsevier},
  year         = {2022},
  url          = {https://doi.org/10.1016/j.procs.2023.01.334},
  doi          = {10.1016/J.PROCS.2023.01.334},
  timestamp    = {Tue, 30 Apr 2024 17:04:01 +0200},
  biburl       = {https://dblp.org/rec/conf/centeris/HouL22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/tdit/AnantharamanWPP22,
  author       = {Narayanan Anantharaman and
                  Bharati Wukkadada and
                  Pranav Paranjpe and
                  Darshan Patel},
  editor       = {Sujeet Kumar Sharma and
                  Yogesh K. Dwivedi and
                  Bhimaraya A. Metri and
                  Banita Lal and
                  Amany R. Elbanna},
  title        = {Information Security Awareness Safety Governance Model for Senior
                  Citizens in Indian Banking Sector for Mobile and Internet Banking},
  booktitle    = {Transfer, Diffusion and Adoption of Next-Generation Digital Technologies
                  - {IFIP} {WG} 8.6 International Working Conference on Transfer and
                  Diffusion of IT, {TDIT} 2023, Nagpur, India, December 15-16, 2023,
                  Proceedings, Part {I}},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {697},
  pages        = {330--340},
  publisher    = {Springer},
  year         = {2022},
  url          = {https://doi.org/10.1007/978-3-031-50188-3\_29},
  doi          = {10.1007/978-3-031-50188-3\_29},
  timestamp    = {Wed, 31 Jan 2024 08:20:28 +0100},
  biburl       = {https://dblp.org/rec/conf/tdit/AnantharamanWPP22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ttsiit/HassanHKK22,
  author       = {Mohammed Khodayer Hassan and
                  Ali Hassan and
                  Aymen Mohammed Khodayer and
                  Omer Mohammed Khodayer},
  editor       = {Yurii Khlaponin and
                  Ed Corrigan and
                  Mikolaj P. Karpinski},
  title        = {Internet Security Impact on E-Banking Users (short paper)},
  booktitle    = {Proceedings of the Selected Papers of the Workshop on Emerging Technology
                  Trends on the Smart Industry and the Internet of Things {(TTSIIT}
                  2022), Kyiv, Ukraine, January 19, 2022 (online)},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {3149},
  pages        = {118--123},
  publisher    = {CEUR-WS.org},
  year         = {2022},
  url          = {https://ceur-ws.org/Vol-3149/short1.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:23:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ttsiit/HassanHKK22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/Khedmatgozar21,
  author       = {Hamid Reza Khedmatgozar},
  title        = {The impact of perceived risks on internet banking adoption in Iran:
                  a longitudinal survey},
  journal      = {Electron. Commer. Res.},
  volume       = {21},
  number       = {1},
  pages        = {147--167},
  year         = {2021},
  url          = {https://doi.org/10.1007/s10660-021-09475-y},
  doi          = {10.1007/S10660-021-09475-Y},
  timestamp    = {Sun, 16 May 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ecr/Khedmatgozar21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/AljaafrehAAAA21,
  author       = {Ali Odeh Aljaafreh and
                  Omar Salameh Al{-}Hujran and
                  Ahmed Al{-}Ani and
                  Mutaz M. Al{-}Debei and
                  Nidal Al{-}Dmour},
  title        = {Investigating the role of online initial trust in explaining the adoption
                  intention of internet banking services},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {36},
  number       = {4},
  pages        = {474--505},
  year         = {2021},
  url          = {https://doi.org/10.1504/IJBIS.2021.113971},
  doi          = {10.1504/IJBIS.2021.113971},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/AljaafrehAAAA21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/Oluyinka21,
  author       = {Solomon Oluyinka},
  title        = {Mediating role of trust in internet banking acceptance},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {38},
  number       = {3},
  pages        = {299--323},
  year         = {2021},
  url          = {https://doi.org/10.1504/IJBIS.2021.119423},
  doi          = {10.1504/IJBIS.2021.119423},
  timestamp    = {Sat, 08 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijbis/Oluyinka21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/Nasri21,
  author       = {Wadie Nasri},
  title        = {Acceptance of Internet Banking in Tunisian Banks: Evidence From Modified
                  {UTAUT} Model},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {17},
  number       = {3},
  pages        = {22--41},
  year         = {2021},
  url          = {https://doi.org/10.4018/ijebr.2021070102},
  doi          = {10.4018/IJEBR.2021070102},
  timestamp    = {Sat, 16 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijebr/Nasri21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeis/KassimRMS21,
  author       = {Normalini Md Kassim and
                  T. Ramayah and
                  Wan Normila Mohamad and
                  Muhammad Salman Shabbir},
  title        = {Battling {COVID-19:} The Effectiveness of Biometrics Towards Enhancing
                  Security of Internet Banking in Malaysia},
  journal      = {Int. J. Enterp. Inf. Syst.},
  volume       = {17},
  number       = {2},
  pages        = {71--91},
  year         = {2021},
  url          = {https://doi.org/10.4018/IJEIS.2021040104},
  doi          = {10.4018/IJEIS.2021040104},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijeis/KassimRMS21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijide/Nasri21,
  author       = {Wadie Nasri},
  title        = {An Empirical Study of User Acceptance Behaviours of Internet Banking
                  in Tunisia Using {UTAUT2} Model},
  journal      = {Int. J. Innov. Digit. Econ.},
  volume       = {12},
  number       = {4},
  pages        = {16--34},
  year         = {2021},
  url          = {https://doi.org/10.4018/IJIDE.2021100102},
  doi          = {10.4018/IJIDE.2021100102},
  timestamp    = {Thu, 25 Nov 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijide/Nasri21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/TsaiS21,
  author       = {Chien{-}Hua Tsai and
                  Pin{-}Chang Su},
  title        = {The application of multi-server authentication scheme in internet
                  banking transaction environments},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {19},
  number       = {1},
  pages        = {77--105},
  year         = {2021},
  url          = {https://doi.org/10.1007/s10257-020-00481-5},
  doi          = {10.1007/S10257-020-00481-5},
  timestamp    = {Tue, 23 Mar 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isem/TsaiS21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isf/MalhotraSLP21,
  author       = {Neeru Malhotra and
                  Sunil Sahadev and
                  P. S. H. Leeflang and
                  Keyoor Purani},
  title        = {New Insights into e-Loyalty of Internet Banking Users in an Emerging
                  Market Context: {A} Multilevel Analysis},
  journal      = {Inf. Syst. Frontiers},
  volume       = {23},
  number       = {6},
  pages        = {1521--1536},
  year         = {2021},
  url          = {https://doi.org/10.1007/s10796-020-10046-z},
  doi          = {10.1007/S10796-020-10046-Z},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isf/MalhotraSLP21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jdfsl/Kara21,
  author       = {Ilker Kara},
  title        = {Don't Bite the Bait: Phishing Attack for Internet Banking (E-Banking)},
  journal      = {J. Digit. Forensics Secur. Law},
  volume       = {16},
  number       = {2},
  year         = {2021},
  url          = {https://doi.org/10.58940/1558-7223.1743},
  doi          = {10.58940/1558-7223.1743},
  timestamp    = {Tue, 01 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jdfsl/Kara21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeim/RahiMAA21,
  author       = {Samar Rahi and
                  Majeed Mustafa Othman Mansour and
                  Malek Alharafsheh and
                  Mahmoud Alghizzawi},
  title        = {The post-adoption behavior of internet banking users through the eyes
                  of self-determination theory and expectation confirmation model},
  journal      = {J. Enterp. Inf. Manag.},
  volume       = {34},
  number       = {6},
  pages        = {1874--1892},
  year         = {2021},
  url          = {https://doi.org/10.1108/JEIM-04-2020-0156},
  doi          = {10.1108/JEIM-04-2020-0156},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jeim/RahiMAA21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mms/KhattakJAWK21,
  author       = {Sana Khattak and
                  Sadeeq Jan and
                  Iftikhar Ahmad and
                  Zahid Wadud and
                  Fazal Qudus Khan},
  title        = {An effective security assessment approach for Internet banking services
                  via deep analysis of multimedia data},
  journal      = {Multim. Syst.},
  volume       = {27},
  number       = {4},
  pages        = {733--751},
  year         = {2021},
  url          = {https://doi.org/10.1007/s00530-020-00680-7},
  doi          = {10.1007/S00530-020-00680-7},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/mms/KhattakJAWK21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/webology/KumarRK21,
  author       = {R. Muthu Kumar and
                  Lalitha Ramakrishnan and
                  Csg Krishnamacharyulu},
  title        = {Review of e-customer Loyalty in Internet Banking},
  journal      = {Webology},
  volume       = {18},
  number       = {{SI01}},
  pages        = {280--287},
  year         = {2021},
  url          = {https://doi.org/10.14704/web/v18si01/web18059},
  doi          = {10.14704/WEB/V18SI01/WEB18059},
  timestamp    = {Wed, 19 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/webology/KumarRK21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hci/LeoveanuSC21,
  author       = {Valentin Mihai Leoveanu and
                  Mihaela Cornelia Sandu and
                  Adela Coman},
  editor       = {Gabriele Meiselwitz},
  title        = {A Study on Influencing Factors on Internet Banking Usage During the
                  SARS-CoV-2 Pandemic in Romania},
  booktitle    = {Social Computing and Social Media: Experience Design and Social Network
                  Analysis - 13th International Conference, {SCSM} 2021, Held as Part
                  of the 23rd {HCI} International Conference, {HCII} 2021, Virtual Event,
                  July 24-29, 2021, Proceedings, Part {I}},
  series       = {Lecture Notes in Computer Science},
  volume       = {12774},
  pages        = {74--86},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-030-77626-8\_5},
  doi          = {10.1007/978-3-030-77626-8\_5},
  timestamp    = {Mon, 12 Jul 2021 12:49:26 +0200},
  biburl       = {https://dblp.org/rec/conf/hci/LeoveanuSC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccta/HassanAH21,
  author       = {Ahmed Hassan and
                  Rasha Abd El Aziz and
                  Meer Hamza},
  title        = {Internet Banking Accessibility: The Social and Financial Exclusion
                  of People with Visual Disability},
  booktitle    = {31st International Conference on Computer Theory and Applications,
                  {ICCTA} 2021, Alexandria, Egypt, December 11-13, 2021},
  pages        = {59--65},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/ICCTA54562.2021.9916623},
  doi          = {10.1109/ICCTA54562.2021.9916623},
  timestamp    = {Fri, 28 Oct 2022 19:02:38 +0200},
  biburl       = {https://dblp.org/rec/conf/iccta/HassanAH21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceme/ZhaoCL21,
  author       = {Chengguo Zhao and
                  Jiayan Chu and
                  Meng Li},
  title        = {Empirical Research on the Credit Risk Spillover Effect of Internet
                  Shadow Banking{\({_\ast}\)}},
  booktitle    = {{ICEME} 2021: The 12th International Conference on E-business, Management
                  and Economics, Beijing, China, July 17 - 19, 2021},
  pages        = {280--285},
  publisher    = {{ACM}},
  year         = {2021},
  url          = {https://doi.org/10.1145/3481127.3481167},
  doi          = {10.1145/3481127.3481167},
  timestamp    = {Mon, 06 Mar 2023 10:25:38 +0100},
  biburl       = {https://dblp.org/rec/conf/iceme/ZhaoCL21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ico/Pea-AssoungaW21,
  author       = {Jean Baptiste Bernard Pea{-}Assounga and
                  Mengyun Wu},
  title        = {Internet Banking and Bank Investment Decision: Mediating Role of Customer
                  Satisfaction and Employee Satisfaction},
  booktitle    = {{ICO}},
  pages        = {314--330},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-030-93247-3\_31},
  doi          = {10.1007/978-3-030-93247-3\_31},
  timestamp    = {Fri, 08 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ico/Pea-AssoungaW21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2105-09496,
  author       = {Cherinor Umaru Bah and
                  Afzaal Hussain Seyal and
                  Umar Yahya},
  title        = {Combining {PIN} and Biometric Identifications as Enhancement to User
                  Authentication in Internet Banking},
  journal      = {CoRR},
  volume       = {abs/2105.09496},
  year         = {2021},
  url          = {https://arxiv.org/abs/2105.09496},
  eprinttype    = {arXiv},
  eprint       = {2105.09496},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2105-09496.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ajis/0004SK20,
  author       = {Rajiv Kumar and
                  Amit Sachan and
                  Ritu Kumar},
  title        = {The Impact of Service Delivery System Process and Moderating Effect
                  of Perceived Value in Internet Banking Adoption},
  journal      = {Australas. J. Inf. Syst.},
  volume       = {24},
  year         = {2020},
  url          = {https://doi.org/10.3127/ajis.v24i0.1923},
  doi          = {10.3127/AJIS.V24I0.1923},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ajis/0004SK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/RahiGN20,
  author       = {Samar Rahi and
                  Mazuri Abd. Ghani and
                  Abdul Hafaz Ngah},
  title        = {Factors propelling the adoption of internet banking: the role of e-customer
                  service, website design, brand image and customer satisfaction},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {33},
  number       = {4},
  pages        = {549--569},
  year         = {2020},
  url          = {https://doi.org/10.1504/IJBIS.2020.105870},
  doi          = {10.1504/IJBIS.2020.105870},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijbis/RahiGN20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/WiraniHS20,
  author       = {Yekti Wirani and
                  Achmad Nizar Hidayanto and
                  Muhammad Rifki Shihab},
  title        = {Factors affecting acceptance of internet banking with technology-organisation-environment
                  framework: a perspective of corporate customer in Indonesia},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {34},
  number       = {4},
  pages        = {560--593},
  year         = {2020},
  url          = {https://doi.org/10.1504/IJBIS.2020.109027},
  doi          = {10.1504/IJBIS.2020.109027},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijbis/WiraniHS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeis/KassimH20,
  author       = {Normalini Md Kassim and
                  Sulaiman Haruna},
  title        = {Assessing Trust and Intention to Continue Using Internet Banking Through
                  Security Dimension Impact: {A} Partial Least Squares Analysis},
  journal      = {Int. J. Enterp. Inf. Syst.},
  volume       = {16},
  number       = {2},
  pages        = {134--147},
  year         = {2020},
  url          = {https://doi.org/10.4018/IJEIS.2020040108},
  doi          = {10.4018/IJEIS.2020040108},
  timestamp    = {Thu, 25 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijeis/KassimH20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijics/KhanOAMY20,
  author       = {Burhan Ul Islam Khan and
                  Rashidah Funke Olanrewaju and
                  Farhat Anwar and
                  Roohie Naaz Mir and
                  Mashkuri Yaacob},
  title        = {Scrutinising internet banking security solutions},
  journal      = {Int. J. Inf. Comput. Secur.},
  volume       = {12},
  number       = {2/3},
  pages        = {269--302},
  year         = {2020},
  url          = {https://doi.org/10.1504/IJICS.2020.105180},
  doi          = {10.1504/IJICS.2020.105180},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijics/KhanOAMY20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/SharmaSS20,
  author       = {Rashmini Sharma and
                  Gurmeet Singh and
                  Shavneet Sharma},
  title        = {Modelling internet banking adoption in Fiji: {A} developing country
                  perspective},
  journal      = {Int. J. Inf. Manag.},
  volume       = {53},
  pages        = {102116},
  year         = {2020},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2020.102116},
  doi          = {10.1016/J.IJINFOMGT.2020.102116},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/SharmaSS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijom/Iqbal20,
  author       = {Tahir Iqbal},
  title        = {An Assessment of the Impact that Service Quality and Customer Satisfaction
                  Possess on Customer Loyalty in Internet Banking},
  journal      = {Int. J. Online Mark.},
  volume       = {10},
  number       = {1},
  pages        = {58--71},
  year         = {2020},
  url          = {https://doi.org/10.4018/IJOM.2020010104},
  doi          = {10.4018/IJOM.2020010104},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijom/Iqbal20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsppc/VermaP20,
  author       = {Nidhi Nigam Verma and
                  Deepika Pathak},
  title        = {Linear Regression on Internet Banking Adoption Dataset Using {WEKA}},
  journal      = {Int. J. Secur. Priv. Pervasive Comput.},
  volume       = {12},
  number       = {4},
  pages        = {29--37},
  year         = {2020},
  url          = {https://doi.org/10.4018/ijsppc.2020100103},
  doi          = {10.4018/IJSPPC.2020100103},
  timestamp    = {Thu, 02 Dec 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijsppc/VermaP20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/ChanFL20,
  author       = {Chun Kwong Chan and
                  Yulin Fang and
                  Huifang Li},
  title        = {Relative advantage of interactive electronic banking adoption by premium
                  customers},
  journal      = {Internet Res.},
  volume       = {30},
  number       = {2},
  pages        = {357--379},
  year         = {2020},
  url          = {https://doi.org/10.1108/INTR-06-2018-0280},
  doi          = {10.1108/INTR-06-2018-0280},
  timestamp    = {Fri, 22 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/intr/ChanFL20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/RantanenSGJ20,
  author       = {Anette Rantanen and
                  Joni Salminen and
                  Filip Ginter and
                  Bernard J. Jansen},
  title        = {Classifying online corporate reputation with machine learning: a study
                  in the banking domain},
  journal      = {Internet Res.},
  volume       = {30},
  number       = {1},
  pages        = {45--66},
  year         = {2020},
  url          = {https://doi.org/10.1108/INTR-07-2018-0318},
  doi          = {10.1108/INTR-07-2018-0318},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/intr/RantanenSGJ20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/SaeedX20,
  author       = {Khawaja A. Saeed and
                  Jingjun (David) Xu},
  title        = {Understanding diffusion of information systems-based services: evidence
                  from mobile banking services},
  journal      = {Internet Res.},
  volume       = {30},
  number       = {4},
  pages        = {1281--1304},
  year         = {2020},
  url          = {https://doi.org/10.1108/INTR-01-2019-0008},
  doi          = {10.1108/INTR-01-2019-0008},
  timestamp    = {Wed, 15 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/intr/SaeedX20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/KwonJM20,
  author       = {Chul Hwan Kwon and
                  Dong Hyuk Jo and
                  Hugo Guimar{\~{a}}es Mariano},
  title        = {Exploring the Determinants of Relationship Quality in Retail Banking
                  Services},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {14},
  number       = {8},
  pages        = {3457--3472},
  year         = {2020},
  url          = {https://doi.org/10.3837/tiis.2020.08.017},
  doi          = {10.3837/TIIS.2020.08.017},
  timestamp    = {Thu, 16 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itiis/KwonJM20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/El-Masri20,
  author       = {Mazen El{-}Masri},
  title        = {The Moderating Effect of Individual Differences on the Acceptance
                  and Use of Internet Banking: {A} Developing Country Perspective},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {18},
  number       = {3},
  pages        = {95--116},
  year         = {2020},
  url          = {https://doi.org/10.4018/JECO.2020070106},
  doi          = {10.4018/JECO.2020070106},
  timestamp    = {Thu, 29 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/El-Masri20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jifs/ChangHL20,
  author       = {Shih{-}Jui Chang and
                  Chi{-}I Hsu and
                  Chin{-}Tsai Lin},
  title        = {Using {FAHP} and {CBR} to evaluate the intention of adoption of internet
                  banking service: The example of web {ATM}},
  journal      = {J. Intell. Fuzzy Syst.},
  volume       = {39},
  number       = {3},
  pages        = {2869--2879},
  year         = {2020},
  url          = {https://doi.org/10.3233/JIFS-191408},
  doi          = {10.3233/JIFS-191408},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jifs/ChangHL20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/scn/LeeLY20,
  author       = {Kyungroul Lee and
                  Sun{-}Young Lee and
                  Kangbin Yim},
  title        = {Classification and Analysis of Security Techniques for the User Terminal
                  Area in the Internet Banking Service},
  journal      = {Secur. Commun. Networks},
  volume       = {2020},
  pages        = {7672941:1--7672941:16},
  year         = {2020},
  url          = {https://doi.org/10.1155/2020/7672941},
  doi          = {10.1155/2020/7672941},
  timestamp    = {Sat, 25 Dec 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/scn/LeeLY20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/uais/Peral-PeralRA20,
  author       = {Bego{\~{n}}a Peral{-}Peral and
                  Angel Francisco Villarejo Ramos and
                  Jorge Arenas{-}Gait{\'{a}}n},
  title        = {Self-efficacy and anxiety as determinants of older adults' use of
                  Internet Banking Services},
  journal      = {Univers. Access Inf. Soc.},
  volume       = {19},
  number       = {4},
  pages        = {825--840},
  year         = {2020},
  url          = {https://doi.org/10.1007/s10209-019-00691-w},
  doi          = {10.1007/S10209-019-00691-W},
  timestamp    = {Tue, 06 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/uais/Peral-PeralRA20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/jcsse/SivakornSR20,
  author       = {Suphannee Sivakorn and
                  Patsita Sirawongphatsara and
                  Nuttaya Rujiratanapat},
  title        = {Web Encryption Analysis of Internet Banking Websites in Thailand},
  booktitle    = {17th International Joint Conference on Computer Science and Software
                  Engineering, {JCSSE} 2020, Bangkok, Thailand, November 4-6, 2020},
  pages        = {139--144},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/JCSSE49651.2020.9268302},
  doi          = {10.1109/JCSSE49651.2020.9268302},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/jcsse/SivakornSR20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/aistrr/TerlizziBS19,
  author       = {Marco Alexandre Terlizzi and
                  Laura Brandimarte and
                  Ot{\'{a}}vio P. Sanchez},
  title        = {Replication of Internet Privacy Concerns in the Mobile Banking Context},
  journal      = {{AIS} Trans. Replication Res.},
  volume       = {5},
  pages        = {8},
  year         = {2019},
  url          = {https://aisel.aisnet.org/trr/vol5/iss1/8},
  timestamp    = {Thu, 31 Oct 2019 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/aistrr/TerlizziBS19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/asc/LiangZXJ19,
  author       = {Decui Liang and
                  Yinrunjie Zhang and
                  Zeshui Xu and
                  Adam Jamaldeen},
  title        = {Pythagorean fuzzy {VIKOR} approaches based on {TODIM} for evaluating
                  internet banking website quality of Ghanaian banking industry},
  journal      = {Appl. Soft Comput.},
  volume       = {78},
  pages        = {583--594},
  year         = {2019},
  url          = {https://doi.org/10.1016/j.asoc.2019.03.006},
  doi          = {10.1016/J.ASOC.2019.03.006},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/asc/LiangZXJ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/DurucuIC19,
  author       = {Murat Durucu and
                  Mine Isik and
                  Fethi Calisir},
  title        = {What is more important to internet banking website users: usability
                  or functionality?},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {30},
  number       = {2},
  pages        = {232--251},
  year         = {2019},
  url          = {https://doi.org/10.1504/IJBIS.2019.097536},
  doi          = {10.1504/IJBIS.2019.097536},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/DurucuIC19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/YuanLC19,
  author       = {Yang Yuan and
                  Fujun Lai and
                  Zhaofang Chu},
  title        = {Continuous usage intention of Internet banking: a commitment-trust
                  model},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {17},
  number       = {1},
  pages        = {1--25},
  year         = {2019},
  url          = {https://doi.org/10.1007/s10257-018-0372-4},
  doi          = {10.1007/S10257-018-0372-4},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isem/YuanLC19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEares/BotacinKG19,
  author       = {Marcus Botacin and
                  Anatoli Kalysch and
                  Andr{\'{e}} Gr{\'{e}}gio},
  title        = {The Internet Banking [in]Security Spiral: Past, Present, and Future
                  of Online Banking Protection Mechanisms based on a Brazilian case
                  study},
  booktitle    = {Proceedings of the 14th International Conference on Availability,
                  Reliability and Security, {ARES} 2019, Canterbury, UK, August 26-29,
                  2019},
  pages        = {49:1--49:10},
  publisher    = {{ACM}},
  year         = {2019},
  url          = {https://doi.org/10.1145/3339252.3340103},
  doi          = {10.1145/3339252.3340103},
  timestamp    = {Mon, 15 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/IEEEares/BotacinKG19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/HaupertG19,
  author       = {Vincent Haupert and
                  Stephan Gabert},
  editor       = {Ian Goldberg and
                  Tyler Moore},
  title        = {Short Paper: How to Attack {PSD2} Internet Banking},
  booktitle    = {Financial Cryptography and Data Security - 23rd International Conference,
                  {FC} 2019, Frigate Bay, St. Kitts and Nevis, February 18-22, 2019,
                  Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {11598},
  pages        = {234--242},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-32101-7\_15},
  doi          = {10.1007/978-3-030-32101-7\_15},
  timestamp    = {Wed, 12 Aug 2020 17:59:02 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/HaupertG19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/tencon/RamalingamV19,
  author       = {Hariharan Ramalingam and
                  V. Prasanna Venkatesan},
  title        = {Conceptual analysis of Internet of Things use cases in Banking domain},
  booktitle    = {{TENCON} 2019 - 2019 {IEEE} Region 10 Conference (TENCON), Kochi,
                  India, October 17-20, 2019},
  pages        = {2034--2039},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/TENCON.2019.8929473},
  doi          = {10.1109/TENCON.2019.8929473},
  timestamp    = {Wed, 18 Dec 2019 14:44:16 +0100},
  biburl       = {https://dblp.org/rec/conf/tencon/RamalingamV19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1903-12551,
  author       = {Aboobucker Ilmudeen and
                  Yukun Bao},
  title        = {What obstruct customer acceptance of internet banking? Security and
                  privacy, risk, trust and website usability and the role of moderators},
  journal      = {CoRR},
  volume       = {abs/1903.12551},
  year         = {2019},
  url          = {http://arxiv.org/abs/1903.12551},
  eprinttype    = {arXiv},
  eprint       = {1903.12551},
  timestamp    = {Tue, 02 Apr 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1903-12551.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/KhedmatgozarS18,
  author       = {Hamid Reza Khedmatgozar and
                  Arezoo Shahnazi},
  title        = {The role of dimensions of perceived risk in adoption of corporate
                  internet banking by customers in Iran},
  journal      = {Electron. Commer. Res.},
  volume       = {18},
  number       = {2},
  pages        = {389--412},
  year         = {2018},
  url          = {https://doi.org/10.1007/s10660-017-9253-z},
  doi          = {10.1007/S10660-017-9253-Z},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/KhedmatgozarS18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/LiangN18,
  author       = {Chih{-}Chin Liang and
                  Ngoc Ly Nguyen},
  title        = {Marketing strategy of internet-banking service based on perceptions
                  of service quality in Vietnam},
  journal      = {Electron. Commer. Res.},
  volume       = {18},
  number       = {3},
  pages        = {629--646},
  year         = {2018},
  url          = {https://doi.org/10.1007/s10660-017-9261-z},
  doi          = {10.1007/S10660-017-9261-Z},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/LiangN18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/AfshanSWF18,
  author       = {Sahar Afshan and
                  Arshian Sharif and
                  Nazneen Waseem and
                  Reema Frooghi},
  title        = {Internet banking in Pakistan: an extended technology acceptance perspective},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {27},
  number       = {3},
  pages        = {383--410},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJBIS.2018.10010588},
  doi          = {10.1504/IJBIS.2018.10010588},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/AfshanSWF18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/AlzaidiQ18,
  author       = {Amer Alzaidi and
                  Shahzad Qamar},
  title        = {Factors affecting the adoption of internet banking: a systematic literature
                  review},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {28},
  number       = {1},
  pages        = {95--124},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJBIS.2018.10012194},
  doi          = {10.1504/IJBIS.2018.10012194},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/AlzaidiQ18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/HassanII18,
  author       = {Masood Ul Hassan and
                  Asghar Iqbal and
                  Zeeshan Iqbal},
  title        = {Factors affecting the adoption of internet banking in Pakistan: an
                  integration of technology acceptance model and theory of planned behaviour},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {28},
  number       = {3},
  pages        = {342--370},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJBIS.2018.10013684},
  doi          = {10.1504/IJBIS.2018.10013684},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/HassanII18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijmc/WangSY18,
  author       = {Yi{-}Hsien Wang and
                  Kuang{-}Husn Shih and
                  Hsin Hui Yeh},
  title        = {Effect of new service modes was introduced to banking industry: a
                  comparative analysis of internet and mobile banking},
  journal      = {Int. J. Mob. Commun.},
  volume       = {16},
  number       = {3},
  pages        = {328--340},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJMC.2018.10004555},
  doi          = {10.1504/IJMC.2018.10004555},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijmc/WangSY18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/i3e/HedvicakovaS18,
  author       = {Martina Hedvicakov{\'{a}} and
                  Libuse Svobodova},
  editor       = {Salah A. Al{-}Sharhan and
                  Antonis C. Simintiras and
                  Yogesh Kumar Dwivedi and
                  Marijn Janssen and
                  Matti M{\"{a}}ntym{\"{a}}ki and
                  Luay Tahat and
                  Issam Moughrabi and
                  Taher M. Ali and
                  Nripendra P. Rana},
  title        = {The Use of Internet and Mobile Banking in the Czech Republic},
  booktitle    = {Challenges and Opportunities in the Digital Era - 17th {IFIP} {WG}
                  6.11 Conference on e-Business, e-Services, and e-Society, {I3E} 2018,
                  Kuwait City, Kuwait, October 30 - November 1, 2018, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {11195},
  pages        = {376--386},
  publisher    = {Springer},
  year         = {2018},
  url          = {https://doi.org/10.1007/978-3-030-02131-3\_34},
  doi          = {10.1007/978-3-030-02131-3\_34},
  timestamp    = {Fri, 08 Sep 2023 14:38:40 +0200},
  biburl       = {https://dblp.org/rec/conf/i3e/HedvicakovaS18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icetc/OluyinkaEC18,
  author       = {Solomon Ayodele Oluyinka and
                  Anatalia Narciso Endozo and
                  Rolando Reyes Calma},
  editor       = {Minoru Nakayama and
                  Fang Lou and
                  Betsy J. Bannier and
                  Harumi Watanabe},
  title        = {A study on the acceptance of internet banking},
  booktitle    = {Proceedings of the 10th International Conference on Education Technology
                  and Computers, {ICETC} 2018, Tokyo, Japan, October 26-28, 2018},
  pages        = {374--378},
  publisher    = {{ACM}},
  year         = {2018},
  url          = {https://doi.org/10.1145/3290511.3290531},
  doi          = {10.1145/3290511.3290531},
  timestamp    = {Mon, 27 Jan 2020 19:15:46 +0100},
  biburl       = {https://dblp.org/rec/conf/icetc/OluyinkaEC18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/it/Carminati17,
  author       = {Michele Carminati},
  title        = {Internet banking fraud analysis and detection},
  school       = {Polytechnic University of Milan, Italy},
  year         = {2017},
  url          = {https://opac.bncf.firenze.sbn.it/bncf-prod/resource?uri=TD17091040},
  timestamp    = {Wed, 29 Mar 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/it/Carminati17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/behaviourIT/AdapaR17,
  author       = {Sujana Adapa and
                  Sanjit Kumar Roy},
  title        = {Consumers' post-adoption behaviour towards Internet banking: empirical
                  evidence from Australia},
  journal      = {Behav. Inf. Technol.},
  volume       = {36},
  number       = {9},
  pages        = {970--983},
  year         = {2017},
  url          = {https://doi.org/10.1080/0144929X.2017.1319498},
  doi          = {10.1080/0144929X.2017.1319498},
  timestamp    = {Thu, 12 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/behaviourIT/AdapaR17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/chb/OrucT17,
  author       = {{\"{O}}zlem Ege Oru{\c{c}} and
                  {\c{C}}igdem Tatar},
  title        = {An investigation of factors that affect internet banking usage based
                  on structural equation modeling},
  journal      = {Comput. Hum. Behav.},
  volume       = {66},
  pages        = {232--235},
  year         = {2017},
  url          = {https://doi.org/10.1016/j.chb.2016.09.059},
  doi          = {10.1016/J.CHB.2016.09.059},
  timestamp    = {Tue, 18 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/chb/OrucT17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fi/CoccoPM17,
  author       = {Luisanna Cocco and
                  Andrea Pinna and
                  Michele Marchesi},
  title        = {Banking on Blockchain: Costs Savings Thanks to the Blockchain Technology},
  journal      = {Future Internet},
  volume       = {9},
  number       = {3},
  pages        = {25},
  year         = {2017},
  url          = {https://doi.org/10.3390/fi9030025},
  doi          = {10.3390/FI9030025},
  timestamp    = {Tue, 16 Aug 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/fi/CoccoPM17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijabim/AshokaRM17,
  author       = {M. L. Ashoka and
                  T. S. Rakesh and
                  S. Madhushree},
  title        = {Consumer Perception and Satisfaction Towards Internet Banking and
                  Mobile Banking with Reference to Nationalized Banks in Rural India},
  journal      = {Int. J. Asian Bus. Inf. Manag.},
  volume       = {8},
  number       = {4},
  pages        = {29--40},
  year         = {2017},
  url          = {https://doi.org/10.4018/IJABIM.2017100103},
  doi          = {10.4018/IJABIM.2017100103},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijabim/AshokaRM17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijesma/SafeenaKD17,
  author       = {Rahmath Safeena and
                  Abdullah Kammani and
                  Hema Date},
  title        = {Exploratory Study of Internet Banking Technology Adoption},
  journal      = {Int. J. {E} Serv. Mob. Appl.},
  volume       = {9},
  number       = {2},
  pages        = {23--43},
  year         = {2017},
  url          = {https://doi.org/10.4018/IJESMA.2017040102},
  doi          = {10.4018/IJESMA.2017040102},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijesma/SafeenaKD17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijfs/TooranlooA17,
  author       = {Hossein Sayyadi Tooranloo and
                  Arezoo Sadat Ayatollah},
  title        = {Pathology the Internet Banking Service Quality Using Failure Mode
                  and Effect Analysis in Interval-Valued Intuitionistic Fuzzy Environment},
  journal      = {Int. J. Fuzzy Syst.},
  volume       = {19},
  number       = {1},
  pages        = {109--123},
  year         = {2017},
  url          = {https://doi.org/10.1007/s40815-016-0265-y},
  doi          = {10.1007/S40815-016-0265-Y},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijfs/TooranlooA17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijss/MigdadiO17,
  author       = {Yazan Khalid Abed{-}Allah Migdadi and
                  Ola Maher Al. Omary},
  title        = {The impact of banks adoption of multi-channels mix on the internet
                  banking service encounter quality: the case of Arab Middle East region},
  journal      = {Int. J. Serv. Stand.},
  volume       = {12},
  number       = {1},
  pages        = {47--63},
  year         = {2017},
  url          = {https://doi.org/10.1504/IJSS.2017.10009316},
  doi          = {10.1504/IJSS.2017.10009316},
  timestamp    = {Thu, 24 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijss/MigdadiO17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijtd/SafeenaK17,
  author       = {Rahmath Safeena and
                  Abdullah Kammani},
  title        = {A Unified Framework for Internet Banking Adoption: Indian Perspective},
  journal      = {Int. J. Technol. Diffusion},
  volume       = {8},
  number       = {4},
  pages        = {31--46},
  year         = {2017},
  url          = {https://doi.org/10.4018/IJTD.2017100103},
  doi          = {10.4018/IJTD.2017100103},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijtd/SafeenaK17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/BaptistaO17,
  author       = {Gon{\c{c}}alo Baptista and
                  Tiago Oliveira},
  title        = {Why so serious? Gamification impact in the acceptance of mobile banking
                  services},
  journal      = {Internet Res.},
  volume       = {27},
  number       = {1},
  pages        = {118--139},
  year         = {2017},
  url          = {https://doi.org/10.1108/IntR-10-2015-0295},
  doi          = {10.1108/INTR-10-2015-0295},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/BaptistaO17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/TamO17,
  author       = {Carlos Tam and
                  Tiago Oliveira},
  title        = {Understanding mobile banking individual performance: The DeLone {\&}
                  McLean model and the moderating effects of individual culture},
  journal      = {Internet Res.},
  volume       = {27},
  number       = {3},
  pages        = {538--562},
  year         = {2017},
  url          = {https://doi.org/10.1108/IntR-05-2016-0117},
  doi          = {10.1108/INTR-05-2016-0117},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/TamO17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/Boonkrong17,
  author       = {Sirapat Boonkrong},
  title        = {Internet Banking Login with Multi-Factor Authentication},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {11},
  number       = {1},
  pages        = {511--535},
  year         = {2017},
  url          = {https://doi.org/10.3837/tiis.2017.01.027},
  doi          = {10.3837/TIIS.2017.01.027},
  timestamp    = {Tue, 16 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itiis/Boonkrong17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeim/MarakarkandyYD17,
  author       = {Bijith Marakarkandy and
                  Nilay Yajnik and
                  Chandan Dasgupta},
  title        = {Enabling internet banking adoption: An empirical examination with
                  an augmented technology acceptance model {(TAM)}},
  journal      = {J. Enterp. Inf. Manag.},
  volume       = {30},
  number       = {2},
  pages        = {263--294},
  year         = {2017},
  url          = {https://doi.org/10.1108/JEIM-10-2015-0094},
  doi          = {10.1108/JEIM-10-2015-0094},
  timestamp    = {Thu, 02 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeim/MarakarkandyYD17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/intersol/NdawMOS17,
  author       = {Marie Ndaw and
                  Gervais Mendy and
                  Samuel Ouya and
                  Diaraf Seck},
  editor       = {Cheikh M. F. K{\'{e}}b{\'{e}} and
                  Assane Gueye and
                  Ababacar Ndiaye},
  title        = {Quantify the Maturity of Internet Banking Security Measures in {WAEMU}
                  (West African Economic and Monetary Union) Banks},
  booktitle    = {Innovation and Interdisciplinary Solutions for Underserved Areas -
                  First International Conference, InterSol 2017 and Sixth Collogue National
                  sur la Recherche en Informatique et ses Applications, {CNRIA} 2017,
                  Dakar, Senegal, April 11-12, 2017, Proceedings},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {204},
  pages        = {125--130},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-72965-7\_11},
  doi          = {10.1007/978-3-319-72965-7\_11},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/intersol/NdawMOS17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/au/Aljaafreh16,
  author       = {Ali Odeh Aljaafreh},
  title        = {An investigation of factors affecting initial trust in Internet banking
                  services in Jordan},
  school       = {University of Technology Sydney, Australia},
  year         = {2016},
  url          = {https://hdl.handle.net/10453/44179},
  timestamp    = {Sat, 01 Apr 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/au/Aljaafreh16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/chb/BoatengAOA16,
  author       = {Henry Boateng and
                  Diyawu Rahman Adam and
                  Abednego Feehi Okoe and
                  Thomas Anning{-}Dorson},
  title        = {Assessing the determinants of internet banking adoption intentions:
                  {A} social cognitive theory perspective},
  journal      = {Comput. Hum. Behav.},
  volume       = {65},
  pages        = {468--478},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.chb.2016.09.017},
  doi          = {10.1016/J.CHB.2016.09.017},
  timestamp    = {Tue, 18 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/chb/BoatengAOA16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/KumarB16,
  author       = {V. V. Ravi Kumar and
                  S. K. Bose},
  title        = {A study on migrating non-users to retail internet banking: evidence
                  from India},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {22},
  number       = {3},
  pages        = {302--315},
  year         = {2016},
  url          = {https://doi.org/10.1504/IJBIS.2016.076874},
  doi          = {10.1504/IJBIS.2016.076874},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/KumarB16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/YenMM16,
  author       = {Lee Hoi Yen and
                  C. A. Malarvizhi and
                  Abdullah Al Mamun},
  title        = {Customer switching resistance towards internet banking in Malaysia},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {21},
  number       = {2},
  pages        = {162--177},
  year         = {2016},
  url          = {https://doi.org/10.1504/IJBIS.2016.074256},
  doi          = {10.1504/IJBIS.2016.074256},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/YenMM16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/JagannathanBN16,
  author       = {Veeraraghavan Jagannathan and
                  Senthilarasu Balasubramanian and
                  Thamaraiselvan Natarajan},
  title        = {A Modified Approach For Information Systems Success In The Context
                  Of Internet Banking Using Structural Equation Modelling with {R:}
                  An Empirical Study From India},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {12},
  number       = {3},
  pages        = {26--43},
  year         = {2016},
  url          = {https://doi.org/10.4018/IJEBR.2016070103},
  doi          = {10.4018/IJEBR.2016070103},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/JagannathanBN16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijitm/OzuemHL16,
  author       = {Wilson Ozuem and
                  Kerry E. Howell and
                  Geoff Lancaster},
  title        = {Understanding technologically-induced customer services in the Nigerian
                  banking sector: the internet as a post-modern phenomenon},
  journal      = {Int. J. Inf. Technol. Manag.},
  volume       = {15},
  number       = {3},
  pages        = {272--290},
  year         = {2016},
  url          = {https://doi.org/10.1504/IJITM.2016.077349},
  doi          = {10.1504/IJITM.2016.077349},
  timestamp    = {Thu, 04 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijitm/OzuemHL16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijom/Al-HasanTM16,
  author       = {Said Al{-}Hasan and
                  Brychan C. Thomas and
                  Ayman Mansour},
  title        = {Internet Adoption and International Marketing in the Jordanian Banking
                  Sector},
  journal      = {Int. J. Online Mark.},
  volume       = {6},
  number       = {2},
  pages        = {34--48},
  year         = {2016},
  url          = {https://doi.org/10.4018/IJOM.2016040103},
  doi          = {10.4018/IJOM.2016040103},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijom/Al-HasanTM16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsds/PhamV16,
  author       = {Long Pham and
                  Phan Dien Vy},
  title        = {Internet Banking Service Quality, Customer Satisfaction and Customer
                  Loyalty: The Case of Vietnam},
  journal      = {Int. J. Strateg. Decis. Sci.},
  volume       = {7},
  number       = {1},
  pages        = {1--17},
  year         = {2016},
  url          = {https://doi.org/10.4018/IJSDS.2016010101},
  doi          = {10.4018/IJSDS.2016010101},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijsds/PhamV16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/Estrella-RamonS16,
  author       = {Antonia Estrella{-}Ramon and
                  Manuel S{\'{a}}nchez{-}P{\'{e}}rez and
                  Gilbert Swinnen},
  title        = {How customers' offline experience affects the adoption of online banking},
  journal      = {Internet Res.},
  volume       = {26},
  number       = {5},
  pages        = {1072--1092},
  year         = {2016},
  url          = {https://doi.org/10.1108/IntR-03-2015-0092},
  doi          = {10.1108/INTR-03-2015-0092},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/Estrella-RamonS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/NamLL16,
  author       = {Kiheung Nam and
                  Zoonky Lee and
                  Bong Gyou Lee},
  title        = {How Internet has Reshaped the User Experience of Banking Service?},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {10},
  number       = {2},
  pages        = {684--702},
  year         = {2016},
  url          = {https://doi.org/10.3837/tiis.2016.02.014},
  doi          = {10.3837/TIIS.2016.02.014},
  timestamp    = {Tue, 16 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itiis/NamLL16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itp/TarhiniEAS16,
  author       = {Ali Tarhini and
                  Mazen El{-}Masri and
                  Maged Ali and
                  Alan Serrano},
  title        = {Extending the {UTAUT} model to understand the customers' acceptance
                  and use of internet banking in Lebanon: {A} structural equation modeling
                  approach},
  journal      = {Inf. Technol. People},
  volume       = {29},
  number       = {4},
  pages        = {830--849},
  year         = {2016},
  url          = {https://doi.org/10.1108/ITP-02-2014-0034},
  doi          = {10.1108/ITP-02-2014-0034},
  timestamp    = {Mon, 03 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itp/TarhiniEAS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/Gharib16,
  author       = {Padid Akbarzadeh Gharib},
  title        = {The Determination of User Satisfaction with Personal Internet Banking
                  Services in the Context of Australia},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {14},
  number       = {3},
  pages        = {57--79},
  year         = {2016},
  url          = {https://doi.org/10.4018/JECO.2016070104},
  doi          = {10.4018/JECO.2016070104},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/Gharib16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jikm/SeetharamanSGRS16,
  author       = {Arumugam Seetharaman and
                  Saurabh Singhal and
                  Pankaj Galdhar and
                  John Rudolph Raj and
                  A. S. Saravanan},
  title        = {Customers' Expectations for Next Generation Internet Banking},
  journal      = {J. Inf. Knowl. Manag.},
  volume       = {15},
  number       = {1},
  pages        = {1650009:1--1650009:28},
  year         = {2016},
  url          = {https://doi.org/10.1142/S021964921650009X},
  doi          = {10.1142/S021964921650009X},
  timestamp    = {Wed, 24 Mar 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jikm/SeetharamanSGRS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiaiaai/Chen16a,
  author       = {Chih{-}Jou Chen},
  title        = {User Adoption Decisions in Self-Service Technologies: {A} Study of
                  the Internet Banking},
  booktitle    = {5th {IIAI} International Congress on Advanced Applied Informatics,
                  {IIAI-AAI} 2016, Kumamoto, Japan, July 10-14, 2016},
  pages        = {1207--1208},
  publisher    = {{IEEE} Computer Society},
  year         = {2016},
  url          = {https://doi.org/10.1109/IIAI-AAI.2016.113},
  doi          = {10.1109/IIAI-AAI.2016.113},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iiaiaai/Chen16a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cejor/DumicicCP15,
  author       = {Ksenija Dumicic and
                  Anita Ceh Casni and
                  Irena Palic},
  title        = {Multivariate analysis of determinants of Internet banking use in European
                  Union countries},
  journal      = {Central Eur. J. Oper. Res.},
  volume       = {23},
  number       = {3},
  pages        = {563--578},
  year         = {2015},
  url          = {https://doi.org/10.1007/s10100-014-0371-6},
  doi          = {10.1007/S10100-014-0371-6},
  timestamp    = {Thu, 04 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cejor/DumicicCP15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/TakieddineS15,
  author       = {Samer Takieddine and
                  Jun Sun},
  title        = {Internet banking diffusion: {A} country-level analysis},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {14},
  number       = {5},
  pages        = {361--371},
  year         = {2015},
  url          = {https://doi.org/10.1016/j.elerap.2015.06.001},
  doi          = {10.1016/J.ELERAP.2015.06.001},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/TakieddineS15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijict/FarzanehNR15,
  author       = {Mandana Farzaneh and
                  Fatemeh Najafloo and
                  Hatef Rasouli},
  title        = {A study of employees' views of strategic information systems in Iranian
                  banks: the case of internet banking},
  journal      = {Int. J. Inf. Commun. Technol.},
  volume       = {7},
  number       = {1},
  pages        = {52--72},
  year         = {2015},
  url          = {https://doi.org/10.1504/IJICT.2015.065988},
  doi          = {10.1504/IJICT.2015.065988},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijict/FarzanehNR15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsita/Sareen15,
  author       = {Mamta Sareen},
  title        = {Perceived Security as Trust Indicator in Adoption of Internet Banking
                  in a Developing Country: An Empirical Study},
  journal      = {Int. J. Strateg. Inf. Technol. Appl.},
  volume       = {6},
  number       = {3},
  pages        = {35--49},
  year         = {2015},
  url          = {https://doi.org/10.4018/IJSITA.2015070103},
  doi          = {10.4018/IJSITA.2015070103},
  timestamp    = {Fri, 03 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijsita/Sareen15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/imds/YuBK15,
  author       = {Pay Ling Yu and
                  M. S. Balaji and
                  Kok Wei Khong},
  title        = {Building trust in internet banking: a trustworthiness perspective},
  journal      = {Ind. Manag. Data Syst.},
  volume       = {115},
  number       = {2},
  pages        = {235--252},
  year         = {2015},
  url          = {https://doi.org/10.1108/IMDS-09-2014-0262},
  doi          = {10.1108/IMDS-09-2014-0262},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/imds/YuBK15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/internet/LeeBM15,
  author       = {Joel Lee and
                  Lujo Bauer and
                  Michelle L. Mazurek},
  title        = {The Effectiveness of Security Images in Internet Banking},
  journal      = {{IEEE} Internet Comput.},
  volume       = {19},
  number       = {1},
  pages        = {54--62},
  year         = {2015},
  url          = {https://doi.org/10.1109/MIC.2014.108},
  doi          = {10.1109/MIC.2014.108},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/internet/LeeBM15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/LinWT15,
  author       = {Feng{-}Teng Lin and
                  Hsin{-}Ying Wu and
                  Thi Nguyet Nga Tran},
  title        = {Internet banking adoption in a developing country: an empirical study
                  in Vietnam},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {13},
  number       = {2},
  pages        = {267--287},
  year         = {2015},
  url          = {https://doi.org/10.1007/s10257-014-0268-x},
  doi          = {10.1007/S10257-014-0268-X},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isem/LinWT15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isf/MansinghROM15,
  author       = {Gunjan Mansingh and
                  Lila Rao and
                  Kweku{-}Muata Osei{-}Bryson and
                  Annette Mills},
  title        = {Profiling internet banking users: {A} knowledge discovery in data
                  mining process model based approach},
  journal      = {Inf. Syst. Frontiers},
  volume       = {17},
  number       = {1},
  pages        = {193--215},
  year         = {2015},
  url          = {https://doi.org/10.1007/s10796-012-9397-2},
  doi          = {10.1007/S10796-012-9397-2},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isf/MansinghROM15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeim/ShanmugamWBH15,
  author       = {Mohana Shanmugam and
                  Yen{-}Yao Wang and
                  Hatem Bugshan and
                  Nick Hajli},
  title        = {Understanding customer perceptions of internet banking: the case of
                  the {UK}},
  journal      = {J. Enterp. Inf. Manag.},
  volume       = {28},
  number       = {5},
  pages        = {622--636},
  year         = {2015},
  url          = {https://doi.org/10.1108/JEIM-08-2014-0081},
  doi          = {10.1108/JEIM-08-2014-0081},
  timestamp    = {Thu, 02 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeim/ShanmugamWBH15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mta/YooKK15,
  author       = {Changsok Yoo and
                  Byung{-}Tak Kang and
                  Huy Kang Kim},
  title        = {Case study of the vulnerability of {OTP} implemented in internet banking
                  systems of South Korea},
  journal      = {Multim. Tools Appl.},
  volume       = {74},
  number       = {10},
  pages        = {3289--3303},
  year         = {2015},
  url          = {https://doi.org/10.1007/s11042-014-1888-3},
  doi          = {10.1007/S11042-014-1888-3},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/mta/YooKK15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isdevel/AljaafrehAAC15,
  author       = {Ali Odeh Aljaafreh and
                  Ahmed Al{-}Ani and
                  Rasha Aljaafreh and
                  Daniel Chandran},
  editor       = {Doug Vogel and
                  Xitong Guo and
                  Xiaofeng Ju and
                  Hua Lan and
                  Chris Barry and
                  Michael Lang and
                  Henry Linger and
                  Christoph Schneider},
  title        = {Understanding Customer's Initial Trust in Internet Banking Services:
                  {A} Field Study in Jordan},
  booktitle    = {Information Systems Development: Transforming Healthcare through Information
                  Systems - Proceedings of the 24th International Conference on Information
                  Systems Development, {ISD} 2015, Harbin, China, August 25-27, 2015},
  publisher    = {Association for Information Systems},
  year         = {2015},
  url          = {http://aisel.aisnet.org/isd2014/proceedings2015/ISDevelopment/9},
  timestamp    = {Tue, 21 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/isdevel/AljaafrehAAC15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/Zhu15,
  author       = {Ruilin Zhu},
  editor       = {Atreyi Kankanhalli and
                  Andrew Burton{-}Jones and
                  Thompson S. H. Teo},
  title        = {An Initial Study of Customer Internet Banking Security Awareness and
                  Behaviour in China},
  booktitle    = {19th Pacific Asia Conference on Information Systems, {PACIS} 2015,
                  Singapore, July 5-9, 2015},
  pages        = {87},
  year         = {2015},
  url          = {http://aisel.aisnet.org/pacis2015/87},
  timestamp    = {Sat, 12 Dec 2015 19:19:58 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/Zhu15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ukais/DwivediARW15,
  author       = {Yogesh Kumar Dwivedi and
                  Ali Abdallah Alalwan and
                  Nripendra P. Rana and
                  Michael D. Williams},
  title        = {Jordanian Customers' Intention Towards and Use of Internet Banking:
                  Exploring Demographic Differences on Their Perception},
  booktitle    = {{UKAIS} 2015, {UK} Academy for Information Systems 20th Annual Conference
                  2015, Oxford, UK, March 16-18, 2015},
  pages        = {9},
  year         = {2015},
  url          = {http://aisel.aisnet.org/ukais2015/9},
  timestamp    = {Tue, 29 Nov 2016 10:08:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ukais/DwivediARW15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/sci/GoudarziHBS15,
  author       = {Shidrokh Goudarzi and
                  Wan Haslina Hassan and
                  Mir Ali Rezazadeh Baee and
                  Seyed Ahmad Soleymani},
  editor       = {Grzegorz Borowik and
                  Zenon Chaczko and
                  Witold Jacak and
                  Tadeusz Luba},
  title        = {The Model of Customer Trust for Internet Banking Adoption},
  booktitle    = {Computational Intelligence and Efficiency in Engineering Systems},
  series       = {Studies in Computational Intelligence},
  volume       = {595},
  pages        = {399--414},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-319-15720-7\_28},
  doi          = {10.1007/978-3-319-15720-7\_28},
  timestamp    = {Fri, 09 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/series/sci/GoudarziHBS15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/PetersP15,
  author       = {Gareth William Peters and
                  Efstathios Panayi},
  title        = {Understanding Modern Banking Ledgers through Blockchain Technologies:
                  Future of Transaction Processing and Smart Contracts on the Internet
                  of Money},
  journal      = {CoRR},
  volume       = {abs/1511.05740},
  year         = {2015},
  url          = {http://arxiv.org/abs/1511.05740},
  eprinttype    = {arXiv},
  eprint       = {1511.05740},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/PetersP15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/TsaiCT14,
  author       = {Huei{-}Ting Tsai and
                  Jui{-}Lin Chien and
                  Ming{-}Tien Tsai},
  title        = {The influences of system usability and user satisfaction on continued
                  Internet banking services usage intention: empirical evidence from
                  Taiwan},
  journal      = {Electron. Commer. Res.},
  volume       = {14},
  number       = {2},
  pages        = {137--169},
  year         = {2014},
  url          = {https://doi.org/10.1007/s10660-014-9136-5},
  doi          = {10.1007/S10660-014-9136-5},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/TsaiCT14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/VatnaniV14,
  author       = {Rinku Vatnani and
                  Sanjeev Verma},
  title        = {Comprehensive framework for internet banking adoption: an empirical
                  analysis in the Indian context},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {15},
  number       = {3},
  pages        = {307--324},
  year         = {2014},
  url          = {https://doi.org/10.1504/IJBIS.2014.059753},
  doi          = {10.1504/IJBIS.2014.059753},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/VatnaniV14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/RamayahCRM14,
  author       = {Thurasamy Ramayah and
                  Lo May Chiun and
                  Kamel Rouibah and
                  Oh Sook May},
  title        = {Identifying Priority Using an Importance-Performance Matrix Analysis
                  {(IPMA):} The Case of Internet Banking in Malaysia},
  journal      = {Int. J. {E} Adopt.},
  volume       = {6},
  number       = {1},
  pages        = {1--15},
  year         = {2014},
  url          = {https://doi.org/10.4018/ijea.2014010101},
  doi          = {10.4018/IJEA.2014010101},
  timestamp    = {Wed, 07 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijea/RamayahCRM14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeb/MishraS14,
  author       = {Vaibhav Mishra and
                  Vrijendra Singh},
  title        = {Factors affecting the adoption or acceptance of internet banking services:
                  a review and analysis of past research},
  journal      = {Int. J. Electron. Bus.},
  volume       = {11},
  number       = {3},
  pages        = {234--255},
  year         = {2014},
  url          = {https://doi.org/10.1504/IJEB.2014.063030},
  doi          = {10.1504/IJEB.2014.063030},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijeb/MishraS14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/MartinsOP14,
  author       = {Carolina Martins and
                  Tiago Oliveira and
                  Ales Popovic},
  title        = {Understanding the Internet banking adoption: {A} unified theory of
                  acceptance and use of technology and perceived risk application},
  journal      = {Int. J. Inf. Manag.},
  volume       = {34},
  number       = {1},
  pages        = {1--13},
  year         = {2014},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2013.06.002},
  doi          = {10.1016/J.IJINFOMGT.2013.06.002},
  timestamp    = {Fri, 21 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/MartinsOP14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijthi/MSallemM14,
  author       = {Wafa M'Sallem and
                  Mohamed Nabil Mzoughi},
  title        = {Resistance to Internet Banking Adoption in Tunisia: {A} Grounded Theory
                  Approach},
  journal      = {Int. J. Technol. Hum. Interact.},
  volume       = {10},
  number       = {3},
  pages        = {32--43},
  year         = {2014},
  url          = {https://doi.org/10.4018/ijthi.2014070103},
  doi          = {10.4018/IJTHI.2014070103},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijthi/MSallemM14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/ParkSL14,
  author       = {Keon Chul Park and
                  Jae Woo Shin and
                  Bong Gyou Lee},
  title        = {Analysis of Authentication Methods for Smartphone Banking Service
                  using {ANP}},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {8},
  number       = {6},
  pages        = {2087--2103},
  year         = {2014},
  url          = {https://doi.org/10.3837/tiis.2014.06.016},
  doi          = {10.3837/TIIS.2014.06.016},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/itiis/ParkSL14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcis/YoonO14,
  author       = {Hyun Shik Yoon and
                  Luis G. Occe{\~{n}}a},
  title        = {Impacts of Customers' Perceptions on Internet Banking Use with a Smart
                  Phone},
  journal      = {J. Comput. Inf. Syst.},
  volume       = {54},
  number       = {3},
  pages        = {1--9},
  year         = {2014},
  url          = {https://doi.org/10.1080/08874417.2014.11645699},
  doi          = {10.1080/08874417.2014.11645699},
  timestamp    = {Thu, 16 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcis/YoonO14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/KunduD14,
  author       = {Sukanya Kundu and
                  Saroj Kumar Datta},
  title        = {A Scale for Measuring Internet Banking Service Quality: Literature
                  Review and Validation with Indian Public Sector Banks},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {12},
  number       = {3},
  pages        = {12--39},
  year         = {2014},
  url          = {https://doi.org/10.4018/jeco.2014070102},
  doi          = {10.4018/JECO.2014070102},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/KunduD14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tele/HanafizadehKK14,
  author       = {Payam Hanafizadeh and
                  Byron W. Keating and
                  Hamid Reza Khedmatgozar},
  title        = {A systematic review of Internet banking adoption},
  journal      = {Telematics Informatics},
  volume       = {31},
  number       = {3},
  pages        = {492--510},
  year         = {2014},
  url          = {https://doi.org/10.1016/j.tele.2013.04.003},
  doi          = {10.1016/J.TELE.2013.04.003},
  timestamp    = {Mon, 24 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tele/HanafizadehKK14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/haisa/ButlerB14,
  author       = {Martin J. Butler and
                  Rika Butler},
  editor       = {Nathan L. Clarke and
                  Steven Furnell},
  title        = {Improving internet banking security by using differentiated authentication
                  based on risk profiling},
  booktitle    = {Eighth International Symposium on Human Aspects of Information Security
                  {\&} Assurance, {HAISA} 2014 ,Plymouth, UK, July 8-9, 2014. Proceedings},
  pages        = {137--149},
  publisher    = {University of Plymouth},
  year         = {2014},
  url          = {http://www.cscan.org/openaccess/?paperid=245},
  timestamp    = {Sun, 06 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/haisa/ButlerB14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isdevel/AljaafrehA14,
  author       = {Ali Odeh Aljaafreh and
                  Ahmed Al{-}Ani},
  editor       = {Vjeran Strahonja and
                  Neven Vrcek and
                  Dijana Plantak Vukovac and
                  Chris Barry and
                  Michael Lang and
                  Henry Linger and
                  Christoph Schneider},
  title        = {Conceptualizing Initial Trust in Internet Banking Services: {A} Pilot
                  Study},
  booktitle    = {Information Systems Development: Transforming Organisations and Society
                  through Information Systems - Proceedings of the 23rd International
                  Conference on Information Systems Development, {ISD} 2014, Vara{\v{z}}din,
                  Croatia, September 2-4, 2014},
  publisher    = {Association for Information Systems},
  year         = {2014},
  url          = {http://aisel.aisnet.org/isd2014/proceedings/ReshapingOrganisations/3},
  timestamp    = {Tue, 21 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/isdevel/AljaafrehA14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/AljaafrehGA14,
  author       = {Ali Odeh Aljaafreh and
                  Asif Gill and
                  Ahmed Al{-}Ani},
  editor       = {Keng Siau and
                  Qing Li and
                  Xunhua Guo},
  title        = {Towards the Development of an initial Trust Model for the Adoption
                  of Internet Banking Services in Jordan},
  booktitle    = {18th Pacific Asia Conference on Information Systems, {PACIS} 2014,
                  Chengdu, China, June 24-28, 2014},
  pages        = {256},
  year         = {2014},
  url          = {http://aisel.aisnet.org/pacis2014/256},
  timestamp    = {Tue, 21 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/AljaafrehGA14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ukais/AlalwanDW14,
  author       = {Ali Abdallah Alalwan and
                  Yogesh Kumar Dwivedi and
                  Michael D. Williams},
  title        = {Examining Factors Affecting Customer Intention And Adoption Of Internet
                  Banking In Jordan},
  booktitle    = {{UKAIS} 2014, {UK} Academy for Information Systems 19th Annual Conference
                  2014, St Catherines College, Oxford, UK, April 7-9, 2014},
  pages        = {3},
  year         = {2014},
  url          = {http://aisel.aisnet.org/ukais2014/3},
  timestamp    = {Wed, 23 Nov 2016 15:02:56 +0100},
  biburl       = {https://dblp.org/rec/conf/ukais/AlalwanDW14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ajis/AdapaC13,
  author       = {Sujana Adapa and
                  Ray Cooksey},
  title        = {Factors affecting consumer's continued use of internet banking: Empirical
                  Evidence from Australia},
  journal      = {Australas. J. Inf. Syst.},
  volume       = {18},
  number       = {1},
  year         = {2013},
  url          = {http://journal.acs.org.au/index.php/ajis/article/view/751},
  timestamp    = {Wed, 10 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ajis/AdapaC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/chb/YoonS13,
  author       = {Hyun Shik Yoon and
                  Linsey M. Barker Steege},
  title        = {Development of a quantitative model of the impact of customers' personality
                  and perceptions on Internet banking use},
  journal      = {Comput. Hum. Behav.},
  volume       = {29},
  number       = {3},
  pages        = {1133--1141},
  year         = {2013},
  url          = {https://doi.org/10.1016/j.chb.2012.10.005},
  doi          = {10.1016/J.CHB.2012.10.005},
  timestamp    = {Tue, 18 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/chb/YoonS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/clsr/Meulen13,
  author       = {Nicole S. van der Meulen},
  title        = {You've been warned: Consumer liability in Internet banking fraud},
  journal      = {Comput. Law Secur. Rev.},
  volume       = {29},
  number       = {6},
  pages        = {713--718},
  year         = {2013},
  url          = {https://doi.org/10.1016/j.clsr.2013.09.007},
  doi          = {10.1016/J.CLSR.2013.09.007},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/clsr/Meulen13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iajet/WaheedKN13,
  author       = {Mehwish Waheed and
                  Qaisar Khan and
                  NoorUl Ain},
  title        = {Role of Satisfaction, Security and Risk towards Customer's Turnover
                  Intention from Traditional to Internet Banking},
  journal      = {Int. Arab. J. e Technol.},
  volume       = {3},
  number       = {2},
  pages        = {83--89},
  year         = {2013},
  url          = {http://www.iajet.org/documents/vol.3/no.2/Role\%20of\%20Satisfaction\%2c\%20Security\%20and\%20Risk\%20towards\%20Customer\%E2\%80\%99s\%20Turnover\%20Intention\%20from\%20Traditional\%20to\%20Internet\%20Banking.pdf},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/iajet/WaheedKN13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeb/MannS13,
  author       = {Bikram Jit Singh Mann and
                  Sunpreet Kaur Sahni},
  title        = {Role of trust and customer loyalty in reducing perceived security
                  risk in internet banking},
  journal      = {Int. J. Electron. Bus.},
  volume       = {10},
  number       = {4},
  pages        = {331--354},
  year         = {2013},
  url          = {https://doi.org/10.1504/IJEB.2013.056783},
  doi          = {10.1504/IJEB.2013.056783},
  timestamp    = {Thu, 16 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijeb/MannS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijide/CharfeddineN13,
  author       = {Lanouar Charfeddine and
                  Wadie Nasri},
  title        = {The Behavior Intention of Tunisian Banks' Customers on using Internet
                  Banking},
  journal      = {Int. J. Innov. Digit. Econ.},
  volume       = {4},
  number       = {1},
  pages        = {16--30},
  year         = {2013},
  url          = {https://doi.org/10.4018/jide.2013010102},
  doi          = {10.4018/JIDE.2013010102},
  timestamp    = {Fri, 07 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijide/CharfeddineN13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijide/NasriCA13,
  author       = {Wadie Nasri and
                  Lanouar Charfeddine and
                  Anis Allagui},
  title        = {Expanding the Technology Acceptance Model to Examine Internet Banking
                  Adoption in Tunisia Country},
  journal      = {Int. J. Innov. Digit. Econ.},
  volume       = {4},
  number       = {4},
  pages        = {61--81},
  year         = {2013},
  url          = {https://doi.org/10.4018/ijide.2013100104},
  doi          = {10.4018/IJIDE.2013100104},
  timestamp    = {Fri, 07 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijide/NasriCA13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsds/VaraprasadSU13,
  author       = {G. Varaprasad and
                  Rajagopalan Sridharan and
                  Anandakuttan B. Unnithan},
  title        = {Internet Banking Adoption by the Customers of Private Sector Banks
                  in India},
  journal      = {Int. J. Strateg. Decis. Sci.},
  volume       = {4},
  number       = {1},
  pages        = {40--51},
  year         = {2013},
  url          = {https://doi.org/10.4018/jsds.2013010103},
  doi          = {10.4018/JSDS.2013010103},
  timestamp    = {Thu, 14 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijsds/VaraprasadSU13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/KimKC13,
  author       = {JinBaek Kim and
                  Sungmin Kang and
                  Hoon S. Cha},
  title        = {Smartphone Banking: The Factors Influencing the Intention to Use},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {7},
  number       = {5},
  pages        = {1213--1235},
  year         = {2013},
  url          = {https://doi.org/10.3837/tiis.2013.05.016},
  doi          = {10.3837/TIIS.2013.05.016},
  timestamp    = {Tue, 16 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itiis/KimKC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/SusantoLZC13,
  author       = {Aries Susanto and
                  Hwansoo Lee and
                  Hangjung Zo and
                  Andrew P. Ciganek},
  title        = {Factors Affecting Internet Banking Success: {A} Comparative Investigation
                  between Indonesia and South Korea},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {21},
  number       = {2},
  pages        = {72--95},
  year         = {2013},
  url          = {https://doi.org/10.4018/jgim.2013040104},
  doi          = {10.4018/JGIM.2013040104},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jgim/SusantoLZC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jmis/GohK13,
  author       = {Kim Huat Goh and
                  Robert J. Kauffman},
  title        = {Firm Strategy and the Internet in {U.S.} Commercial Banking},
  journal      = {J. Manag. Inf. Syst.},
  volume       = {30},
  number       = {2},
  pages        = {9--40},
  year         = {2013},
  url          = {https://doi.org/10.2753/mis0742-1222300201},
  doi          = {10.2753/MIS0742-1222300201},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jmis/GohK13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mcm/LeeLL13,
  author       = {Jung{-}Hyun Lee and
                  Won Gue Lim and
                  Jong In Lim},
  title        = {A study of the security of Internet banking and financial private
                  information in South Korea},
  journal      = {Math. Comput. Model.},
  volume       = {58},
  number       = {1-2},
  pages        = {117--131},
  year         = {2013},
  url          = {https://doi.org/10.1016/j.mcm.2012.07.019},
  doi          = {10.1016/J.MCM.2012.07.019},
  timestamp    = {Thu, 17 Nov 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/mcm/LeeLL13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/africom/ChimaC13,
  author       = {Angeline Liza Ndachiphata Chima and
                  Vanwyk Khobidi Chikasanda},
  editor       = {Tegawend{\'{e}} F. Bissyand{\'{e}} and
                  Gertjan van Stam},
  title        = {The Impact of Internet Banking on Service Quality Provided by Commercial
                  Banks},
  booktitle    = {e-Infrastructure and e-Services for Developing Countries - 5th International
                  Conference, {AFRICOMM} 2013, Blantyre, Malawi, November 25-27, 2013,
                  Revised Selected Papers},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {135},
  pages        = {248--259},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-319-08368-1\_29},
  doi          = {10.1007/978-3-319-08368-1\_29},
  timestamp    = {Sun, 25 Oct 2020 22:50:40 +0100},
  biburl       = {https://dblp.org/rec/conf/africom/ChimaC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/LaksEP13,
  author       = {Erez Laks and
                  Adir Even and
                  Yisrael Parmet},
  title        = {Usage Patterns of Internet-Based Banking and {BI} Services},
  booktitle    = {19th Americas Conference on Information Systems, {AMCIS} 2013, Chicago,
                  Illinois, USA, August 15-17, 2013},
  publisher    = {Association for Information Systems},
  year         = {2013},
  url          = {http://aisel.aisnet.org/amcis2013/BusinessIntelligence/GeneralPresentations/10},
  timestamp    = {Wed, 02 Jul 2014 19:53:07 +0200},
  biburl       = {https://dblp.org/rec/conf/amcis/LaksEP13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/MillsTMR13,
  author       = {Annette Mills and
                  Vanesa Tennant and
                  Gunjan Mansingh and
                  Lila Rao{-}Graham},
  title        = {Internet Banking: Enablers and Inhibitors for Developing Economies
                  - {A} Study of Potential Users in Jamaica},
  booktitle    = {19th Americas Conference on Information Systems, {AMCIS} 2013, Chicago,
                  Illinois, USA, August 15-17, 2013},
  publisher    = {Association for Information Systems},
  year         = {2013},
  url          = {http://aisel.aisnet.org/amcis2013/ICTCaribbean/GeneralPresentations/1},
  timestamp    = {Tue, 01 Jul 2014 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/amcis/MillsTMR13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/conf-irm/OliveiraLS13,
  author       = {Deyvison de Lima Oliveira and
                  F{\'{a}}bio A. Lipke and
                  Sidnei Roberto Feliciano da Silva},
  title        = {Impacto das Capacidades de Internet Banking no Desempenho: Um estudo
                  na perspectiva de clientes utilizando Partial Least Squares {(PLS)}},
  booktitle    = {{CONF-IRM} 2013, The International Conference on Information Resources
                  Management: Managing {IT} in a Consumerized {IT} World, Natal, Brazil,
                  May 22-24, 2013},
  pages        = {38},
  year         = {2013},
  url          = {http://aisel.aisnet.org/confirm2013/38},
  timestamp    = {Mon, 21 Aug 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/conf-irm/OliveiraLS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/AdhamADK13,
  author       = {Manal T. Adham and
                  Amir Azodi and
                  Yvo Desmedt and
                  Ioannis Karaolis},
  editor       = {Ahmad{-}Reza Sadeghi},
  title        = {How to Attack Two-Factor Authentication Internet Banking},
  booktitle    = {Financial Cryptography and Data Security - 17th International Conference,
                  {FC} 2013, Okinawa, Japan, April 1-5, 2013, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {7859},
  pages        = {322--328},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-39884-1\_27},
  doi          = {10.1007/978-3-642-39884-1\_27},
  timestamp    = {Mon, 06 Sep 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/AdhamADK13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/MontazemiS13,
  author       = {Ali R. Montazemi and
                  Hamed Qahri{-}Saremi},
  title        = {Factors Affecting Internet Banking Pre-usage Expectation Formation},
  booktitle    = {46th Hawaii International Conference on System Sciences, {HICSS} 2013,
                  Wailea, HI, USA, January 7-10, 2013},
  pages        = {4666--4675},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/HICSS.2013.231},
  doi          = {10.1109/HICSS.2013.231},
  timestamp    = {Tue, 04 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/hicss/MontazemiS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icebe/LinWN13,
  author       = {Feng{-}Teng Lin and
                  Hsin{-}Ying Wu and
                  Tran Thi Nguyet Nga},
  title        = {Adoption of Internet Banking: An Empirical Study in Vietnam},
  booktitle    = {{IEEE} 10th International Conference on e-Business Engineering, {ICEBE}
                  2013, Coventry, United Kingdom, September 11-13, 2013},
  pages        = {282--287},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/ICEBE.2013.43},
  doi          = {10.1109/ICEBE.2013.43},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icebe/LinWN13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/interact/MtimkuluBD13,
  author       = {Sebabatso Mtimkulu and
                  Judy van Biljon and
                  Tobias van Dyk},
  editor       = {Paula Kotz{\'{e}} and
                  Gary Marsden and
                  Gitte Lindgaard and
                  Janet Wesson and
                  Marco Winckler},
  title        = {Designing for the Functionality South African Internet Banking Websites
                  Should Provide to Address the Needs of Generation-Y Users},
  booktitle    = {Human-Computer Interaction - {INTERACT} 2013 - 14th {IFIP} {TC} 13
                  International Conference, Cape Town, South Africa, September 2-6,
                  2013, Proceedings, Part {IV}},
  series       = {Lecture Notes in Computer Science},
  volume       = {8120},
  pages        = {366--383},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-40498-6\_29},
  doi          = {10.1007/978-3-642-40498-6\_29},
  timestamp    = {Tue, 14 May 2019 10:00:46 +0200},
  biburl       = {https://dblp.org/rec/conf/interact/MtimkuluBD13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sac/GregioFAGMJ13,
  author       = {Andr{\'{e}} Ricardo Abed Gr{\'{e}}gio and
                  Dario Sim{\~{o}}es Fernandes Filho and
                  Vitor Monte Afonso and
                  Paulo L{\'{\i}}cio de Geus and
                  Victor Furuse Martins and
                  M{\'{a}}rio Jino},
  editor       = {Sung Y. Shin and
                  Jos{\'{e}} Carlos Maldonado},
  title        = {An empirical analysis of malicious internet banking software behavior},
  booktitle    = {Proceedings of the 28th Annual {ACM} Symposium on Applied Computing,
                  {SAC} '13, Coimbra, Portugal, March 18-22, 2013},
  pages        = {1830--1835},
  publisher    = {{ACM}},
  year         = {2013},
  url          = {https://doi.org/10.1145/2480362.2480704},
  doi          = {10.1145/2480362.2480704},
  timestamp    = {Mon, 08 Jan 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/sac/GregioFAGMJ13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/whiceb/DaiZ13,
  author       = {Zhuo Dai and
                  Xiaoting Zheng},
  title        = {The Study on Factors Influencing Personal Internet Banking Customers'
                  Loyalty},
  booktitle    = {12th Wuhan International Conference on E-Business, {WHICEB} 2013,
                  Wuhan, China, May 25-26, 2013},
  pages        = {7},
  publisher    = {Association for Information Systems},
  year         = {2013},
  url          = {http://aisel.aisnet.org/whiceb2013/7},
  timestamp    = {Fri, 04 Jul 2014 15:27:19 +0200},
  biburl       = {https://dblp.org/rec/conf/whiceb/DaiZ13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/CoutoTT13,
  author       = {Jo{\~{a}}o Pedro Couto and
                  Teresa Tiago and
                  Flavio Tiago},
  title        = {An analysis of Internet Banking in Portugal: the antecedents of mobile
                  banking adoption},
  journal      = {CoRR},
  volume       = {abs/1312.3141},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.3141},
  eprinttype    = {arXiv},
  eprint       = {1312.3141},
  timestamp    = {Mon, 23 Dec 2019 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/CoutoTT13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MeiappaneCV13,
  author       = {A. Meiappane and
                  B. Chithra and
                  V. Prasanna Venkataesan},
  title        = {Evaluation of Software Architecture Quality Attribute for an Internet
                  Banking System},
  journal      = {CoRR},
  volume       = {abs/1312.2342},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.2342},
  eprinttype    = {arXiv},
  eprint       = {1312.2342},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MeiappaneCV13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MeiappanePV13,
  author       = {A. Meiappane and
                  J. Prabavadhi and
                  V. Prasanna Venkatesan},
  title        = {Strategy pattern: payment pattern for Internet banking},
  journal      = {CoRR},
  volume       = {abs/1312.2327},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.2327},
  eprinttype    = {arXiv},
  eprint       = {1312.2327},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MeiappanePV13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MeiappaneV13,
  author       = {A. Meiappane and
                  V. Prasanna Venkataesan},
  title        = {Request and notification Pattern for an internet banking System},
  journal      = {CoRR},
  volume       = {abs/1312.2344},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.2344},
  eprinttype    = {arXiv},
  eprint       = {1312.2344},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MeiappaneV13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MeiappaneVJKS13,
  author       = {A. Meiappane and
                  V. Prasanna Venkatesan and
                  V. Jegatheeswari and
                  B. Kalpana and
                  U. Sarumathy},
  title        = {Pattern Based Adaptive Architecture for Internet Banking},
  journal      = {CoRR},
  volume       = {abs/1312.2325},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.2325},
  eprinttype    = {arXiv},
  eprint       = {1312.2325},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MeiappaneVJKS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MeiappaneVP13,
  author       = {A. Meiappane and
                  V. Prasanna Venkatesan and
                  J. Prabavadhi},
  title        = {Visitor Pattern: Implementation of Enquiry Pattern for Internet Banking},
  journal      = {CoRR},
  volume       = {abs/1312.2341},
  year         = {2013},
  url          = {http://arxiv.org/abs/1312.2341},
  eprinttype    = {arXiv},
  eprint       = {1312.2341},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MeiappaneVP13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Guler12,
  author       = {Salim G{\"{u}}ler},
  title        = {Sicherheitsverfahren f{\"{u}}r Girokonten beim Massenverkehr
                  im Internet-Banking: Sicherheit vs. Bedienerfreundlichkeit, ein Widerspruch?},
  school       = {Chemnitz University of Technology},
  year         = {2012},
  url          = {https://d-nb.info/1025271661},
  isbn         = {978-3-8300-6660-6},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Guler12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/behaviourIT/ChiouS12,
  author       = {Jyh{-}Shen Chiou and
                  Chung{-}Chi Shen},
  title        = {The antecedents of online financial service adoption: the impact of
                  physical banking services on Internet banking acceptance},
  journal      = {Behav. Inf. Technol.},
  volume       = {31},
  number       = {9},
  pages        = {859--871},
  year         = {2012},
  url          = {https://doi.org/10.1080/0144929X.2010.549509},
  doi          = {10.1080/0144929X.2010.549509},
  timestamp    = {Thu, 12 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/behaviourIT/ChiouS12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/HanafizadehK12,
  author       = {Payam Hanafizadeh and
                  Hamid Reza Khedmatgozar},
  title        = {The mediating role of the dimensions of the perceived risk in the
                  effect of customers' awareness on the adoption of Internet banking
                  in Iran},
  journal      = {Electron. Commer. Res.},
  volume       = {12},
  number       = {2},
  pages        = {151--175},
  year         = {2012},
  url          = {https://doi.org/10.1007/s10660-012-9090-z},
  doi          = {10.1007/S10660-012-9090-Z},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/HanafizadehK12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/electronicmarkets/BonsALW12,
  author       = {Roger W. H. Bons and
                  Rainer Alt and
                  Ho Geun Lee and
                  Bruce Weber},
  title        = {Banking in the Internet and mobile era},
  journal      = {Electron. Mark.},
  volume       = {22},
  number       = {4},
  pages        = {197--202},
  year         = {2012},
  url          = {https://doi.org/10.1007/s12525-012-0110-6},
  doi          = {10.1007/S12525-012-0110-6},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/electronicmarkets/BonsALW12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijissc/Majhi12,
  author       = {Ritanjali Majhi},
  title        = {An Investigation on Customer Attitude and Perception towards Internet
                  Banking: {A} Case Study},
  journal      = {Int. J. Inf. Syst. Soc. Chang.},
  volume       = {3},
  number       = {1},
  pages        = {75--93},
  year         = {2012},
  url          = {https://doi.org/10.4018/jissc.2012010107},
  doi          = {10.4018/JISSC.2012010107},
  timestamp    = {Thu, 06 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijissc/Majhi12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijom/Agwu12,
  author       = {Edwin M. Agwu},
  title        = {Generations {X} and Y's Adoption of Internet and Internet Banking
                  in Nigeria: {A} Qualitative Study},
  journal      = {Int. J. Online Mark.},
  volume       = {2},
  number       = {4},
  pages        = {68--82},
  year         = {2012},
  url          = {https://doi.org/10.4018/ijom.2012100105},
  doi          = {10.4018/IJOM.2012100105},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijom/Agwu12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/ZhuC12,
  author       = {Yu{-}Qian Zhu and
                  Houn{-}Gee Chen},
  title        = {Service Fairness and Customer Satisfaction in Internet Banking: Exploring
                  the Mediating Effects of Trust and Customer Value},
  journal      = {Internet Res.},
  volume       = {22},
  number       = {4},
  pages        = {482--498},
  year         = {2012},
  url          = {https://doi.org/10.1108/10662241211251006},
  doi          = {10.1108/10662241211251006},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/ZhuC12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsw/Ma12,
  author       = {Zhengwei Ma},
  title        = {Assessing Serviceability and Reliability to Affect Customer Satisfaction
                  of Internet Banking},
  journal      = {J. Softw.},
  volume       = {7},
  number       = {7},
  pages        = {1601--1608},
  year         = {2012},
  url          = {https://doi.org/10.4304/jsw.7.7.1601-1608},
  doi          = {10.4304/JSW.7.7.1601-1608},
  timestamp    = {Tue, 15 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsw/Ma12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cicsyn/SubsornL12,
  author       = {Panida Subsorn and
                  Sunsern Limwiriyakul},
  editor       = {David Al{-}Dabass and
                  Pichaya Tandayya and
                  Jasmy Yunus and
                  Apichat Heednacram and
                  Zuwairie Ibrahim},
  title        = {A Case Study of Internet Banking Security of Mainland Chinese Banks:
                  {A} Customer Perspective},
  booktitle    = {Fourth International Conference on Computational Intelligence, Communication
                  Systems and Networks, CICSyN 2012, Phuket, Thailand, July 24-26, 2012},
  pages        = {189--195},
  publisher    = {{IEEE}},
  year         = {2012},
  url          = {https://doi.org/10.1109/CICSyN.2012.43},
  doi          = {10.1109/CICSYN.2012.43},
  timestamp    = {Wed, 16 Oct 2019 14:14:56 +0200},
  biburl       = {https://dblp.org/rec/conf/cicsyn/SubsornL12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icebe/JiaoYZ12,
  author       = {Yongbing Jiao and
                  Jian Yang and
                  Zhanfeng Zhu},
  title        = {An Empirical Study of Customer Loyalty to Internet Banking in China},
  booktitle    = {Ninth {IEEE} International Conference on e-Business Engineering, {ICEBE}
                  2012, Hangzhou, China, September 9-11, 2012},
  pages        = {39--44},
  publisher    = {{IEEE} Computer Society},
  year         = {2012},
  url          = {https://doi.org/10.1109/ICEBE.2012.16},
  doi          = {10.1109/ICEBE.2012.16},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icebe/JiaoYZ12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/asc/HuL11,
  author       = {Yi{-}Chung Hu and
                  Pen{-}Che Liao},
  title        = {Finding critical criteria of evaluating electronic service quality
                  of Internet banking using fuzzy multiple-criteria decision making},
  journal      = {Appl. Soft Comput.},
  volume       = {11},
  number       = {4},
  pages        = {3764--3770},
  year         = {2011},
  url          = {https://doi.org/10.1016/j.asoc.2011.02.008},
  doi          = {10.1016/J.ASOC.2011.02.008},
  timestamp    = {Fri, 26 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/asc/HuL11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejisdc/SelvanAS11,
  author       = {N. Thamarai Selvan and
                  B. Senthil Arasu and
                  M. Sivagnanasundaram},
  title        = {Role of Existing Channels on Customer Adoption of New Channels: {A}
                  Case of {ATM} and Internet Banking},
  journal      = {Electron. J. Inf. Syst. Dev. Ctries.},
  volume       = {45},
  number       = {1},
  pages        = {1--15},
  year         = {2011},
  url          = {https://doi.org/10.1002/j.1681-4835.2011.tb00317.x},
  doi          = {10.1002/J.1681-4835.2011.TB00317.X},
  timestamp    = {Thu, 17 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ejisdc/SelvanAS11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iajet/SafeenaDK11,
  author       = {Rahmath Safeena and
                  Hema Date and
                  Abdullah Kammani},
  title        = {Internet Banking Adoption in an Emerging Economy: Indian Consumer's
                  Perspective},
  journal      = {Int. Arab. J. e Technol.},
  volume       = {2},
  number       = {1},
  pages        = {56--64},
  year         = {2011},
  url          = {http://www.iajet.org/documents/vol.2/no.1/Internet\%20Banking\%20Adoption\%20in\%20an\%20Emerging\%20Economy\%20Indian\%20Consumers\%20Perspective.pdf},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/iajet/SafeenaDK11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijantti/Al-HajriT11,
  author       = {Salim Al{-}Hajri and
                  Arthur Tatnall},
  title        = {A Socio-Technical Study of the Adoption of Internet Technology in
                  Banking, Re-Interpreted as an Innovation Using Innovation Translation},
  journal      = {InnovaInt. J. Actor Netw. Theory Technol. Innov.},
  volume       = {3},
  number       = {3},
  pages        = {35--48},
  year         = {2011},
  url          = {https://doi.org/10.4018/jantti.2011070103},
  doi          = {10.4018/JANTTI.2011070103},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijantti/Al-HajriT11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/Zhou11a,
  author       = {Tao Zhou},
  title        = {An Empirical Examination of Initial Trust in Mobile Banking},
  journal      = {Internet Res.},
  volume       = {21},
  number       = {5},
  pages        = {527--540},
  year         = {2011},
  url          = {https://doi.org/10.1108/10662241111176353},
  doi          = {10.1108/10662241111176353},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/Zhou11a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/Winley11,
  author       = {Graham Kenneth Winley},
  title        = {Factors Associated with the use of Personal Internet Banking in Thailand},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {9},
  number       = {2},
  pages        = {15--40},
  year         = {2011},
  url          = {https://doi.org/10.4018/jeco.2011040102},
  doi          = {10.4018/JECO.2011040102},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/Winley11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mansci/XueHC11,
  author       = {Mei Xue and
                  Lorin M. Hitt and
                  Pei{-}Yu Sharon Chen},
  title        = {Determinants and Outcomes of Internet Banking Adoption},
  journal      = {Manag. Sci.},
  volume       = {57},
  number       = {2},
  pages        = {291--307},
  year         = {2011},
  url          = {https://doi.org/10.1287/mnsc.1100.1187},
  doi          = {10.1287/MNSC.1100.1187},
  timestamp    = {Tue, 30 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/mansci/XueHC11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acc/ThiyagarajanAV11,
  author       = {P. Thiyagarajan and
                  Gnanasekaran Aghila and
                  V. Prasanna Venkatesan},
  editor       = {Ajith Abraham and
                  Jaime Lloret Mauri and
                  John F. Buford and
                  Junichi Suzuki and
                  Sabu M. Thampi},
  title        = {Stepping Up Internet Banking Security Using Dynamic Pattern Based
                  Image Steganography},
  booktitle    = {Advances in Computing and Communications - First International Conference,
                  {ACC} 2011, Kochi, India, July 22-24, 2011, Proceedings, Part {IV}},
  series       = {Communications in Computer and Information Science},
  volume       = {193},
  pages        = {98--112},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-22726-4\_12},
  doi          = {10.1007/978-3-642-22726-4\_12},
  timestamp    = {Fri, 27 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/acc/ThiyagarajanAV11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/centeris/PiresFC11,
  author       = {P{\'{e}}ricles Jos{\'{e}} Pires and
                  Bento Alves da Costa Filho and
                  Jo{\~{a}}o Carlos da Cunha},
  editor       = {Maria Manuela Cruz{-}Cunha and
                  Jo{\~{a}}o Varaj{\~{a}}o and
                  Philip Powell and
                  Ricardo Martinho},
  title        = {Technology Readiness Index {(TRI)} Factors as Differentiating Elements
                  between Users and Non Users of Internet Banking, and as Antecedents
                  of the Technology Acceptance Model {(TAM)}},
  booktitle    = {ENTERprise Information Systems - International Conference, {CENTERIS}
                  2011, Vilamoura, Portugal, October 5-7, 2011, Proceedings, Part {II}},
  series       = {Communications in Computer and Information Science},
  volume       = {220},
  pages        = {215--229},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-24355-4\_23},
  doi          = {10.1007/978-3-642-24355-4\_23},
  timestamp    = {Tue, 23 Apr 2024 23:18:35 +0200},
  biburl       = {https://dblp.org/rec/conf/centeris/PiresFC11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecis/GorbachevaNPB11,
  author       = {Elena Gorbacheva and
                  Bj{\"{o}}rn Niehaves and
                  Ralf Plattfaut and
                  J{\"{o}}rg Becker},
  editor       = {Virpi Kristiina Tuunainen and
                  Matti Rossi and
                  Joe Nandhakumar},
  title        = {Acceptance and use of internet banking: a digital divide perspective},
  booktitle    = {19th European Conference on Information Systems, {ECIS} 2011, Helsinki,
                  Finland, June 9-11, 2011},
  pages        = {126},
  year         = {2011},
  url          = {http://aisel.aisnet.org/ecis2011/126},
  timestamp    = {Thu, 22 Feb 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ecis/GorbachevaNPB11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/parelec/AriwaM11,
  author       = {Ezendu Ariwa and
                  Erica McBain},
  title        = {Green Pedagogy and Digital Diversity for Multilingualism (with respect
                  to Internet Banking in Universities in the {UK)}},
  booktitle    = {Sixth International Symposium on Parallel Computing in Electrical
                  Engineering {(PARELEC} 2011), 4-5 April 2011, Luton, United Kingdom},
  pages        = {145--152},
  publisher    = {{IEEE} Computer Society},
  year         = {2011},
  url          = {https://doi.org/10.1109/PARELEC.2011.49},
  doi          = {10.1109/PARELEC.2011.49},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/parelec/AriwaM11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/saint/CooharojananoneCP11,
  author       = {Nagul Cooharojananone and
                  Sedtanun Chofa and
                  Suphakant Phimoltares},
  title        = {A Study on Intention to Use Factor in the Internet Banking Websites
                  in Thailand},
  booktitle    = {11th Annual International Symposium on Applications and the Internet,
                  {SAINT} 2011, Munich, Germany, 18-21 July, 2011, Proceedings},
  pages        = {556--561},
  publisher    = {{IEEE} Computer Society},
  year         = {2011},
  url          = {https://doi.org/10.1109/SAINT.2011.103},
  doi          = {10.1109/SAINT.2011.103},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/saint/CooharojananoneCP11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/worldcis/RonchiKMZ11,
  author       = {Corrado Ronchi and
                  Akmal Khodjanov and
                  Muzaffar Mahkamov and
                  Shukhrat Zakhidov},
  title        = {Security, privacy and efficiency of Internet banking transactions},
  booktitle    = {2011 World Congress on Internet Security, WorldCIS 2011, London, UK,
                  February 21-23, 2011},
  pages        = {216--222},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://ieeexplore.ieee.org/document/5749854/},
  timestamp    = {Thu, 12 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/worldcis/RonchiKMZ11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/worldcis/WeigoldH11,
  author       = {Thomas Weigold and
                  Alain P. Hiltgen},
  title        = {Secure confirmation of sensitive transaction data in modern Internet
                  banking services},
  booktitle    = {2011 World Congress on Internet Security, WorldCIS 2011, London, UK,
                  February 21-23, 2011},
  pages        = {125--132},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://ieeexplore.ieee.org/document/5749897/},
  timestamp    = {Thu, 12 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/worldcis/WeigoldH11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:journals/procedia/Ayvaz-ReisGB11,
  author       = {Zerrin Ayvaz{-}Reis and
                  Sevin{\c{c}} G{\"{u}}lse{\c{c}}en and
                  Bet{\"{u}}l Bayrakdar},
  editor       = {Adem Karahoca and
                  Sezer Kanbul},
  title        = {To develop an education system for secure internet banking: {GIBES}},
  booktitle    = {First World Conference on Information Technology, {WCIT} 2010, Istanbul,
                  Turkey, October 6-10, 2010},
  series       = {Procedia Computer Science},
  volume       = {3},
  pages        = {1333--1340},
  publisher    = {Elsevier},
  year         = {2011},
  url          = {https://doi.org/10.1016/j.procs.2011.01.012},
  doi          = {10.1016/J.PROCS.2011.01.012},
  timestamp    = {Thu, 08 Jul 2021 14:29:22 +0200},
  biburl       = {https://dblp.org/rec/journals/procedia/Ayvaz-ReisGB11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:journals/procedia/SaripanH11,
  author       = {Hartini Saripan and
                  Zaiton Hamin},
  editor       = {Adem Karahoca and
                  Sezer Kanbul},
  title        = {The application of the digital signature law in securing internet
                  banking: Some preliminary evidence from Malaysia},
  booktitle    = {First World Conference on Information Technology, {WCIT} 2010, Istanbul,
                  Turkey, October 6-10, 2010},
  series       = {Procedia Computer Science},
  volume       = {3},
  pages        = {248--253},
  publisher    = {Elsevier},
  year         = {2011},
  url          = {https://doi.org/10.1016/j.procs.2010.12.042},
  doi          = {10.1016/J.PROCS.2010.12.042},
  timestamp    = {Sun, 28 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/procedia/SaripanH11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cais/AbuShanabPS10,
  author       = {Emad AbuShanab and
                  John Michael Pearson and
                  Andrew J. Setterstrom},
  title        = {Internet Banking and Customers' Acceptance in Jordan: The Unified
                  Model's Perspective},
  journal      = {Commun. Assoc. Inf. Syst.},
  volume       = {26},
  pages        = {23},
  year         = {2010},
  url          = {https://doi.org/10.17705/1cais.02623},
  doi          = {10.17705/1CAIS.02623},
  timestamp    = {Thu, 23 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cais/AbuShanabPS10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijdtis/Grabner-KrauterF10,
  author       = {Sonja Grabner{-}Kr{\"{a}}uter and
                  Rita Faullant},
  title        = {Internet Trust as a Specific Form of Technology Trust and its Influence
                  on Online Banking Adoption},
  journal      = {Int. J. Dependable Trust. Inf. Syst.},
  volume       = {1},
  number       = {4},
  pages        = {43--60},
  year         = {2010},
  url          = {https://doi.org/10.4018/jdtis.2010100103},
  doi          = {10.4018/JDTIS.2010100103},
  timestamp    = {Wed, 02 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijdtis/Grabner-KrauterF10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeb/LaiCC10,
  author       = {Vincent S. Lai and
                  Patrick Y. K. Chau and
                  Xiling Cui},
  title        = {Examining internet banking acceptance: a comparison of alternative
                  technology adoption models},
  journal      = {Int. J. Electron. Bus.},
  volume       = {8},
  number       = {1},
  pages        = {51--79},
  year         = {2010},
  url          = {https://doi.org/10.1504/IJEB.2010.030716},
  doi          = {10.1504/IJEB.2010.030716},
  timestamp    = {Thu, 16 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijeb/LaiCC10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/ChengY10,
  author       = {T. C. E. Cheng and
                  W. H. Yeung},
  title        = {An Empirical Study of the Impact of Brand Name on Personal Customers'
                  Adoption of Internet Banking in Hong Kong},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {6},
  number       = {1},
  pages        = {32--51},
  year         = {2010},
  url          = {https://doi.org/10.4018/jebr.2010100903},
  doi          = {10.4018/JEBR.2010100903},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/ChengY10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijss/Torres-MoragaVB10,
  author       = {Eduardo Torres{-}Moraga and
                  Arturo Z. Vasquez{-}Parraga and
                  Cristobal Barra},
  title        = {How to measure service quality in internet banking},
  journal      = {Int. J. Serv. Stand.},
  volume       = {6},
  number       = {3/4},
  pages        = {236--255},
  year         = {2010},
  url          = {https://doi.org/10.1504/IJSS.2010.038671},
  doi          = {10.1504/IJSS.2010.038671},
  timestamp    = {Thu, 24 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijss/Torres-MoragaVB10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/MalhotraS10,
  author       = {Pooja Malhotra and
                  Balwinder Singh},
  title        = {An analysis of Internet banking offerings and its determinants in
                  India},
  journal      = {Internet Res.},
  volume       = {20},
  number       = {1},
  pages        = {87--106},
  year         = {2010},
  url          = {https://doi.org/10.1108/10662241011020851},
  doi          = {10.1108/10662241011020851},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/intr/MalhotraS10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcis/YuenYLS10,
  author       = {Yee Yen Yuen and
                  Paul H. P. Yeow and
                  Nena Lim and
                  Najib Saylani},
  title        = {Internet Banking Adoption: Comparing Developed and Developing Countries},
  journal      = {J. Comput. Inf. Syst.},
  volume       = {51},
  number       = {1},
  pages        = {52--61},
  year         = {2010},
  url          = {https://www.tandfonline.com/doi/abs/10.1080/08874417.2010.11645449},
  doi          = {10.1080/08874417.2010.11645449},
  timestamp    = {Thu, 16 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcis/YuenYLS10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/MansinghROM10,
  author       = {Gunjan Mansingh and
                  Lila Rao and
                  Kweku{-}Muata Osei{-}Bryson and
                  Annette Mills},
  editor       = {Martin Santana and
                  Jerry N. Luftman and
                  Ajay S. Vinze},
  title        = {Application of a Data Mining Process Model: {A} Case Study- Profiling
                  Internet Banking Users in Jamaica},
  booktitle    = {Sustainable {IT} Collaboration Around the Globe. 16th Americas Conference
                  on Information Systems, {AMCIS} 2010, Lima, Peru, August 12-15, 2010},
  pages        = {439},
  publisher    = {Association for Information Systems},
  year         = {2010},
  url          = {http://aisel.aisnet.org/amcis2010/439},
  timestamp    = {Mon, 02 Jan 2012 14:47:22 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/MansinghROM10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bled/ZolletB10,
  author       = {Roman Zollet and
                  Andrea Back},
  title        = {Website Usability for Internet Banking},
  booktitle    = {23rd Bled eConference: eTrust: Implications for the Individual, Enterprises
                  and Society, Bled, Slovenia, June 20-23, 2010},
  pages        = {29},
  year         = {2010},
  url          = {http://aisel.aisnet.org/bled2010/29},
  timestamp    = {Sat, 26 Nov 2016 18:05:57 +0100},
  biburl       = {https://dblp.org/rec/conf/bled/ZolletB10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csreaEEE/Alsajjan10,
  author       = {Bander Alsajjan},
  editor       = {Hamid R. Arabnia and
                  Azita Bahrami and
                  Ashu M. G. Solo},
  title        = {Investigating Gender's Effect on Internet Banking Adoption Behavior:
                  Applying the Theory of Planned Behavior in Saudi Arabia},
  booktitle    = {Proceedings of the 2010 International Conference on E-Learning, E-Business,
                  Enterprise Information Systems, {\&} E-Government, {EEE} 2010,
                  July 12-15, 2010, Las Vegas Nevada, {USA}},
  pages        = {315--319},
  publisher    = {{CSREA} Press},
  year         = {2010},
  timestamp    = {Tue, 07 Dec 2010 11:19:33 +0100},
  biburl       = {https://dblp.org/rec/conf/csreaEEE/Alsajjan10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icee/Quan10,
  author       = {Sun Quan},
  title        = {Assessing the Effects of e-Service Quality and e-Satisfaction on Internet
                  Banking Loyalty in China},
  booktitle    = {The International Conference on E-Business and E-Government, {ICEE}
                  2010, 7-9 May 2010, Guangzhou, China, Proceedings},
  pages        = {93--96},
  publisher    = {{IEEE} Computer Society},
  year         = {2010},
  url          = {https://doi.org/10.1109/ICEE.2010.31},
  doi          = {10.1109/ICEE.2010.31},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icee/Quan10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iciso/WangP10,
  author       = {Xiaoyan Wang and
                  Sulin Pang},
  editor       = {Ren{\'{e}} J. Jorna and
                  Kecheng Liu and
                  Guorui Jiang and
                  Keiichi Nakata and
                  Lily Sun},
  title        = {A Trust Evaluation Model of Internet Banking Customers},
  booktitle    = {{ICISO} 2010 - Proceedings of the Twelfth International Conference
                  on Informatics and Semiotics in Organisations, Reading, UK, July 19-21,
                  2010},
  pages        = {119--124},
  publisher    = {SciTePress},
  year         = {2010},
  timestamp    = {Fri, 22 Jun 2018 07:29:23 +0200},
  biburl       = {https://dblp.org/rec/conf/iciso/WangP10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isspit/SazzadASSF10,
  author       = {A. B. M. Rafi Sazzad and
                  Syed Bahauddin Alam and
                  Md. Nazmus Sakib and
                  Celia Shahnaz and
                  Shaikh Anowarul Fattah},
  title        = {Secured cellular banking protocols using virtual internet with digital
                  watermarking},
  booktitle    = {Proceedings of the {IEEE} International Symposium on Signal Processing
                  and Information Technology, {ISSPIT} 2010, December 15-18,2010, Luxor,
                  Egypt},
  pages        = {424--427},
  publisher    = {{IEEE} Computer Society},
  year         = {2010},
  url          = {https://doi.org/10.1109/ISSPIT.2010.5711753},
  doi          = {10.1109/ISSPIT.2010.5711753},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/isspit/SazzadASSF10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/HanKP10,
  author       = {Joo Suk Han and
                  Sherah Kurnia and
                  Fei Peng},
  title        = {The Impact of Two-Factor Authentication Technology on the Adoption
                  of Internet Banking},
  booktitle    = {Pacific Asia Conference on Information Systems, {PACIS} 2010, Taipei,
                  Taiwan, 9-12 July 2010},
  pages        = {146},
  publisher    = {AISeL},
  year         = {2010},
  url          = {http://aisel.aisnet.org/pacis2010/146},
  timestamp    = {Tue, 28 Feb 2012 16:59:14 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/HanKP10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/natosec/OzcelikD10,
  author       = {M. Hamdi {\"{O}}z{\c{c}}elik and
                  Ekrem Duman},
  editor       = {Mark Last and
                  Abraham Kandel},
  title        = {Preventing Internet Banking Fraud and Money Laundering Using Customer
                  Trustability Index},
  booktitle    = {Web Intelligence and Security - Advances in Data and Text Mining Techniques
                  for Detecting and Preventing Terrorist Activities on the Web},
  series       = {{NATO} Science for Peace and Security Series - {D:} Information and
                  Communication Security},
  volume       = {27},
  pages        = {109--122},
  publisher    = {{IOS} Press},
  year         = {2010},
  url          = {https://doi.org/10.3233/978-1-60750-611-9-109},
  doi          = {10.3233/978-1-60750-611-9-109},
  timestamp    = {Tue, 16 May 2017 14:24:21 +0200},
  biburl       = {https://dblp.org/rec/series/natosec/OzcelikD10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1005-4028,
  author       = {Rami Alnaqeib and
                  Hamdan O. Alanazi and
                  Hamid Abdullah Jalab and
                  Mussab alaa Zaidan and
                  Ali K. Hmood},
  title        = {Internet Banking System Prototype},
  journal      = {CoRR},
  volume       = {abs/1005.4028},
  year         = {2010},
  url          = {http://arxiv.org/abs/1005.4028},
  eprinttype    = {arXiv},
  eprint       = {1005.4028},
  timestamp    = {Wed, 27 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1005-4028.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1005-4029,
  author       = {Hamdan O. Alanazi and
                  Rami Alnaqeib and
                  Ali K. Hmood and
                  Mussab alaa Zaidan and
                  Yahya Al{-}Nabhani},
  title        = {On the Module of Internet Banking System},
  journal      = {CoRR},
  volume       = {abs/1005.4029},
  year         = {2010},
  url          = {http://arxiv.org/abs/1005.4029},
  eprinttype    = {arXiv},
  eprint       = {1005.4029},
  timestamp    = {Wed, 20 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1005-4029.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1006-4559,
  author       = {Fadhel S. AlAbdullah and
                  Fahad H. Alshammari and
                  Rami Alnaqeib and
                  Hamid Abdullah Jalab and
                  A. A. Zaidan and
                  B. B. Zaidan},
  title        = {Analytical Study on Internet Banking System},
  journal      = {CoRR},
  volume       = {abs/1006.4559},
  year         = {2010},
  url          = {http://arxiv.org/abs/1006.4559},
  eprinttype    = {arXiv},
  eprint       = {1006.4559},
  timestamp    = {Wed, 27 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1006-4559.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/ethos/AlQeisis09,
  author       = {Kholoud Ibrahim Al{-}Qeisis},
  title        = {Analyzing the use of {UTAUT} model in explaining an online behaviour
                  : Internet banking adoption},
  school       = {Brunel University London, {UK}},
  year         = {2009},
  url          = {http://bura.brunel.ac.uk/handle/2438/3620},
  timestamp    = {Tue, 05 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/ethos/AlQeisis09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/computer/OppligerRH09,
  author       = {Rolf Oppliger and
                  Ruedi Rytz and
                  Thomas Holderegger},
  title        = {Internet Banking: Client-Side Attacks and Protection Mechanisms},
  journal      = {Computer},
  volume       = {42},
  number       = {6},
  pages        = {27--33},
  year         = {2009},
  url          = {https://doi.org/10.1109/MC.2009.194},
  doi          = {10.1109/MC.2009.194},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/computer/OppligerRH09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/comsis/Koskosas09,
  author       = {Ioannis V. Koskosas},
  title        = {Communicating information systems goals: {A} case in internet banking
                  security},
  journal      = {Comput. Sci. Inf. Syst.},
  volume       = {6},
  number       = {1},
  pages        = {72--92},
  year         = {2009},
  url          = {https://doi.org/10.2298/CSIS0901071K},
  doi          = {10.2298/CSIS0901071K},
  timestamp    = {Tue, 21 May 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/comsis/Koskosas09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/Lee09,
  author       = {Ming{-}Chi Lee},
  title        = {Factors influencing the adoption of internet banking: An integration
                  of {TAM} and {TPB} with perceived risk and perceived benefit},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {8},
  number       = {3},
  pages        = {130--141},
  year         = {2009},
  url          = {https://doi.org/10.1016/j.elerap.2008.11.006},
  doi          = {10.1016/J.ELERAP.2008.11.006},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/Lee09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejisdc/Prompattanapakdee09,
  author       = {Surapong Prompattanapakdee},
  title        = {The Adoption and Use of Personal Internet Banking Services in Thailand},
  journal      = {Electron. J. Inf. Syst. Dev. Ctries.},
  volume       = {37},
  number       = {1},
  pages        = {1--30},
  year         = {2009},
  url          = {https://doi.org/10.1002/j.1681-4835.2009.tb00261.x},
  doi          = {10.1002/J.1681-4835.2009.TB00261.X},
  timestamp    = {Mon, 21 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ejisdc/Prompattanapakdee09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iajit/Abu-ShanabP09,
  author       = {Emad Abu{-}Shanab and
                  John Michael Pearson},
  title        = {Internet banking in Jordan: an Arabic instrument validation process},
  journal      = {Int. Arab J. Inf. Technol.},
  volume       = {6},
  number       = {3},
  pages        = {235--244},
  year         = {2009},
  url          = {http://iajit.org/index.php?option=com\_content\&task=blogcategory\&id=63\&Itemid=294},
  timestamp    = {Thu, 16 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iajit/Abu-ShanabP09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/LeeC09,
  author       = {Kun Chang Lee and
                  Namho Chung},
  title        = {Exploring Antecedents of Behavior Intention to Use Internet Banking
                  in Korea: Adoption Perspective},
  journal      = {Int. J. {E} Adopt.},
  volume       = {1},
  number       = {3},
  pages        = {30--47},
  year         = {2009},
  url          = {https://doi.org/10.4018/jea.2009092902},
  doi          = {10.4018/JEA.2009092902},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijea/LeeC09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/MakrisKKKK09,
  author       = {M. Makris and
                  Vaios Koumaras and
                  Harilaos Koumaras and
                  A. Konstantopoulou and
                  S. Konidis},
  title        = {Quantifying Factors Influencing the Adoption of Internet Banking Services
                  in Greece},
  journal      = {Int. J. {E} Adopt.},
  volume       = {1},
  number       = {1},
  pages        = {20--32},
  year         = {2009},
  url          = {https://doi.org/10.4018/jea.2009010102},
  doi          = {10.4018/JEA.2009010102},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijea/MakrisKKKK09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/RouibahTM09,
  author       = {Kamel Rouibah and
                  Thurasamy Ramayah and
                  Oh Sook May},
  title        = {User Acceptance of Internet Banking In Malaysia: Test of Three Competing
                  Models},
  journal      = {Int. J. {E} Adopt.},
  volume       = {1},
  number       = {1},
  pages        = {1--19},
  year         = {2009},
  url          = {https://doi.org/10.4018/jea.2009010101},
  doi          = {10.4018/JEA.2009010101},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijea/RouibahTM09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/LaukkanenSL09,
  author       = {Tommi Laukkanen and
                  Suvi Sinkkonen and
                  Pekka Laukkanen},
  title        = {Communication strategies to overcome functional and psychological
                  resistance to Internet banking},
  journal      = {Int. J. Inf. Manag.},
  volume       = {29},
  number       = {2},
  pages        = {111--118},
  year         = {2009},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2008.05.008},
  doi          = {10.1016/J.IJINFOMGT.2008.05.008},
  timestamp    = {Fri, 21 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/LaukkanenSL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijss/PoonYL09,
  author       = {Wai{-}Ching Poon and
                  Gun{-}Fie D. Yong and
                  Woon{-}Har P. Lam},
  title        = {An insight into the attributes influencing the acceptance of internet
                  banking: the consumers' perspective},
  journal      = {Int. J. Serv. Stand.},
  volume       = {5},
  number       = {1},
  pages        = {81--94},
  year         = {2009},
  url          = {https://doi.org/10.1504/IJSS.2009.021668},
  doi          = {10.1504/IJSS.2009.021668},
  timestamp    = {Thu, 24 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijss/PoonYL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/imcs/Smith09,
  author       = {Alan D. Smith},
  title        = {Internet retail banking: {A} competitive analysis in an increasingly
                  financially troubled environment},
  journal      = {Inf. Manag. Comput. Secur.},
  volume       = {17},
  number       = {2},
  pages        = {127--150},
  year         = {2009},
  url          = {https://doi.org/10.1108/09685220910964009},
  doi          = {10.1108/09685220910964009},
  timestamp    = {Mon, 18 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/imcs/Smith09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/internet/Douglis09d,
  author       = {Fred Douglis},
  title        = {Phone + Internet Cafe = Secure Banking? You Betcha},
  journal      = {{IEEE} Internet Comput.},
  volume       = {13},
  number       = {6},
  pages        = {4--5},
  year         = {2009},
  url          = {https://doi.org/10.1109/MIC.2009.134},
  doi          = {10.1109/MIC.2009.134},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/internet/Douglis09d.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jikm/IsmailP09,
  author       = {Hishamuddin Bin Ismail and
                  Mohammad Fateh Ali Khan Panni},
  title        = {Factors Affecting Customer Retention Toward Internet Banking in Malaysia},
  journal      = {J. Inf. Knowl. Manag.},
  volume       = {8},
  number       = {1},
  pages        = {35--43},
  year         = {2009},
  url          = {https://doi.org/10.1142/S021964920900218X},
  doi          = {10.1142/S021964920900218X},
  timestamp    = {Thu, 23 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jikm/IsmailP09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/oir/Aldas-ManzanoLRS09,
  author       = {Joaqu{\'{\i}}n Ald{\'{a}}s{-}Manzano and
                  Carlos Lassala{-}Navarr{\'{e}} and
                  Carla Ruiz{-}Maf{\'{e}} and
                  Silvia Sanz{-}Blas},
  title        = {Key drivers of internet banking services use},
  journal      = {Online Inf. Rev.},
  volume       = {33},
  number       = {4},
  pages        = {672--695},
  year         = {2009},
  url          = {https://doi.org/10.1108/14684520910985675},
  doi          = {10.1108/14684520910985675},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/oir/Aldas-ManzanoLRS09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/LiaoTHL09,
  author       = {Chechen Liao and
                  Pui{-}Lai To and
                  Tung{-}Heng Hsieh and
                  Chuang{-}Chun Liu},
  editor       = {Robert C. Nickerson and
                  Ramesh Sharda},
  title        = {An Empirical Study of Factors Influencing the Adoption of Internet
                  Banking},
  booktitle    = {Proceedings of the 15th Americas Conference on Information Systems,
                  {AMCIS} 2009, San Francisco, California, USA, August 6-9, 2009},
  pages        = {753},
  publisher    = {Association for Information Systems},
  year         = {2009},
  url          = {http://aisel.aisnet.org/amcis2009/753},
  timestamp    = {Mon, 02 Jan 2012 19:01:22 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/LiaoTHL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/Prado09,
  author       = {Edmir P. V. Prado},
  editor       = {Robert C. Nickerson and
                  Ramesh Sharda},
  title        = {A Survey on the Quality of Brazilian Internet Banking Sites},
  booktitle    = {Proceedings of the 15th Americas Conference on Information Systems,
                  {AMCIS} 2009, San Francisco, California, USA, August 6-9, 2009},
  pages        = {39},
  publisher    = {Association for Information Systems},
  year         = {2009},
  url          = {http://aisel.aisnet.org/amcis2009/39},
  timestamp    = {Fri, 05 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/amcis/Prado09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/WatiKJL09,
  author       = {Yulia Wati and
                  Chulmo Koo and
                  Jason J. Jung and
                  Dahui Li},
  editor       = {Robert C. Nickerson and
                  Ramesh Sharda},
  title        = {An Empirical Analysis of End-User Satisfaction toward E-Banking in
                  Indonesia {(A} Comparison Model of ATMs, Internet Banking and Mobile
                  Banking)},
  booktitle    = {Proceedings of the 15th Americas Conference on Information Systems,
                  {AMCIS} 2009, San Francisco, California, USA, August 6-9, 2009},
  pages        = {30},
  publisher    = {Association for Information Systems},
  year         = {2009},
  url          = {http://aisel.aisnet.org/amcis2009/30},
  timestamp    = {Mon, 02 Jan 2012 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/WatiKJL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csreaEEE/JalalMG09,
  author       = {Sara Faraji Jalal and
                  Md. Mahbubur Rahim and
                  Masoud Geramipour},
  editor       = {Hamid R. Arabnia and
                  Azita Bahrami},
  title        = {Effects of Cultural Dimensions {\&} {IT} Characteristics in Adoption
                  of Internet Banking},
  booktitle    = {Proceedings of the 2009 International Conference on E-Learning, E-Business,
                  Enterprise Information Systems, {\&} E-Government, {EEE} 2009,
                  July 13-16, 2009, Las Vegas Nevada, {USA}},
  pages        = {296--309},
  publisher    = {{CSREA} Press},
  year         = {2009},
  timestamp    = {Thu, 24 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/csreaEEE/JalalMG09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itng/TalebpourBV09,
  author       = {Alireza Talebpour and
                  Sona Bairamzadeh and
                  Seyed Sabah Vajdi},
  editor       = {Shahram Latifi},
  title        = {Extending the Technology Acceptance Model for Internet Banking: {A}
                  Case Study of Iran},
  booktitle    = {Sixth International Conference on Information Technology: New Generations,
                  {ITNG} 2009, Las Vegas, Nevada, USA, 27-29 April 2009},
  pages        = {1637--1638},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/ITNG.2009.153},
  doi          = {10.1109/ITNG.2009.153},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/itng/TalebpourBV09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mc/LudewigW09,
  author       = {Elske Ludewig and
                  Thorsten Wilhelm},
  editor       = {Henning Brau and
                  Sarah Diefenbach and
                  Marc Hassenzahl and
                  Kirstin Kohler and
                  Franz Koller and
                  Matthias Peissner and
                  Kostanija Petrovic and
                  Meinald T. Thielsch and
                  Daniel Ullrich and
                  Dirk Zimmermann},
  title        = {Seniorenfreundliche Websitegestaltung am Beispiel von Online-Banking
                  und Versandapotheken im Internet},
  booktitle    = {Berichtband des siebten Workshops des German Chapters der Usability
                  Professionals Association e.V., Usability Professionals 2009, Berlin,
                  Germany, September 6-9, 2009},
  pages        = {23--27},
  publisher    = {Fraunhofer Verlag},
  year         = {2009},
  url          = {https://dl.gi.de/handle/20.500.12116/5482},
  timestamp    = {Fri, 08 Dec 2023 11:31:19 +0100},
  biburl       = {https://dblp.org/rec/conf/mc/LudewigW09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ozchi/SinghM09,
  author       = {Supriya Singh and
                  Clive Morley},
  editor       = {Marcus Foth and
                  Jesper Kjeldskov and
                  Jeni Paay},
  title        = {Young Australians' privacy, security and trust in internet banking},
  booktitle    = {Proceedings of the 21st Australasian Computer-Human Interaction Conference,
                  {OZCHI} 2009: Open 24/7, Melbourne, Australia, November 23-27, 2009},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {411},
  pages        = {121--128},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1738826.1738846},
  doi          = {10.1145/1738826.1738846},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ozchi/SinghM09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/soli/WangJ09,
  author       = {Wenchao Wang and
                  Declan Jordan},
  title        = {The determinants of the adoption of Internet Banking by Chinese consumers},
  booktitle    = {2009 {IEEE/INFORMS} International Conference on Service Operations,
                  Logistics and Informatics, {SOLI} 2009, Chicago, IL, USA, July 22-24,
                  2009},
  pages        = {760--763},
  publisher    = {{IEEE}},
  year         = {2009},
  url          = {https://doi.org/10.1109/SOLI.2009.5204034},
  doi          = {10.1109/SOLI.2009.5204034},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/soli/WangJ09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ssme/SunWC09,
  author       = {Quan Sun and
                  Chunlei Wang and
                  Hao Cao},
  title        = {Applying {E-S-QUAL} Scale to Analysis the Factors Affecting Consumers
                  to Use Internet Banking Services},
  booktitle    = {2009 {IITA} International Conference on Services Science, Management
                  and Engineering, {SSME} 2009, 11-12 July 2009, Zhangjiajie, China},
  pages        = {242--245},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/SSME.2009.41},
  doi          = {10.1109/SSME.2009.41},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ssme/SunWC09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/vw/OchukoCN09,
  author       = {Rita E. Ochuko and
                  Andrea J. Cullen and
                  Daniel Neagu},
  editor       = {Hassan Ugail and
                  Rami Qahwaji and
                  Rae A. Earnshaw and
                  Philip J. Willis},
  title        = {Overview of Factors for Internet Banking Adoption},
  booktitle    = {2009 International Conference on CyberWorlds, Bradford, West Yorkshire,
                  UK, 7-11 September 2009},
  pages        = {163--170},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/CW.2009.51},
  doi          = {10.1109/CW.2009.51},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/vw/OchukoCN09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/ethos/Johnson08a,
  author       = {Matthew J. Johnson},
  title        = {A new approach to internet banking},
  school       = {University of Cambridge, {UK}},
  year         = {2008},
  url          = {https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.605643},
  timestamp    = {Mon, 22 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/ethos/Johnson08a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cacm/LiaoC08,
  author       = {Ziqi Liao and
                  Michael Tow Cheung},
  title        = {Measuring consumer satisfaction in internet banking: a core framework},
  journal      = {Commun. {ACM}},
  volume       = {51},
  number       = {4},
  pages        = {47--51},
  year         = {2008},
  url          = {https://doi.org/10.1145/1330311.1330322},
  doi          = {10.1145/1330311.1330322},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/cacm/LiaoC08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ccsecis/ZolaitS08,
  author       = {Ali Hussein Saleh Zolait and
                  Ainin Sulaiman},
  title        = {Incorporating the Innovation Attributes Introduced by Rogers'Theory
                  into Theory of Reasoned Action: An Examination of Internet Banking
                  Adoption in Yemen},
  journal      = {Comput. Inf. Sci.},
  volume       = {1},
  number       = {1},
  pages        = {36--51},
  year         = {2008},
  url          = {https://doi.org/10.5539/cis.v1n1p36},
  doi          = {10.5539/CIS.V1N1P36},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ccsecis/ZolaitS08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/clsr/Saxby08g,
  author       = {Stephen Saxby},
  title        = {\emph{Book review: } Internet Banking and the Law in Europe ? Regulation,
                  Financial Integration and Electronic Commerce, Apostolos Ath. Gkoutzinis,
                  Cambridge University Press (2006), {(354} pp., hard-cover, {\textsterling}60.00;
                  {\textdollar}110.00), {ISBN:} 0-521-86071-7},
  journal      = {Comput. Law Secur. Rev.},
  volume       = {24},
  number       = {3},
  pages        = {280},
  year         = {2008},
  url          = {https://doi.org/10.1016/j.clsr.2008.01.017},
  doi          = {10.1016/J.CLSR.2008.01.017},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/clsr/Saxby08g.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/CalisirG08,
  author       = {Fethi Calisir and
                  Cigdem Altin Gumussoy},
  title        = {Internet banking versus other banking channels: Young consumers' view},
  journal      = {Int. J. Inf. Manag.},
  volume       = {28},
  number       = {3},
  pages        = {215--221},
  year         = {2008},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2008.02.009},
  doi          = {10.1016/J.IJINFOMGT.2008.02.009},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/CalisirG08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/HoK08,
  author       = {Shu{-}Hsun Ho and
                  Ying{-}Yin Ko},
  title        = {Effects of self-service technology on customer value and customer
                  readiness: The case of Internet banking},
  journal      = {Internet Res.},
  volume       = {18},
  number       = {4},
  pages        = {427--446},
  year         = {2008},
  url          = {https://doi.org/10.1108/10662240810897826},
  doi          = {10.1108/10662240810897826},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/HoK08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/Al-HajriT08,
  author       = {Salim Al{-}Hajri and
                  Arthur Tatnall},
  title        = {Adoption of Internet Technology by the Banking Industry in Oman: {A}
                  Study Informed by the Australian Experience},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {6},
  number       = {3},
  pages        = {20--36},
  year         = {2008},
  url          = {https://doi.org/10.4018/jeco.2008070102},
  doi          = {10.4018/JECO.2008070102},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/Al-HajriT08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jnw/DandashWLS08,
  author       = {Osama Dandash and
                  Yiling Wang and
                  Phu Dung Le and
                  Bala Srinivasan},
  title        = {Fraudulent Internet Banking Payments Prevention using Dynamic Key},
  journal      = {J. Networks},
  volume       = {3},
  number       = {1},
  pages        = {25--34},
  year         = {2008},
  url          = {https://doi.org/10.4304/jnw.3.1.25-34},
  doi          = {10.4304/JNW.3.1.25-34},
  timestamp    = {Tue, 15 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jnw/DandashWLS08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jors/LiaoW08,
  author       = {Ziqi Liao and
                  W. K. Wong},
  title        = {The determinants of customer interactions with internet-enabled e-banking
                  services},
  journal      = {J. Oper. Res. Soc.},
  volume       = {59},
  number       = {9},
  pages        = {1201--1210},
  year         = {2008},
  url          = {https://doi.org/10.1057/palgrave.jors.2602429},
  doi          = {10.1057/PALGRAVE.JORS.2602429},
  timestamp    = {Mon, 08 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jors/LiaoW08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/oir/SohailS08,
  author       = {M. Sadiq Sohail and
                  Nassar M. Shaikh},
  title        = {Internet banking and quality of service: Perspectives from a developing
                  nation in the Middle East},
  journal      = {Online Inf. Rev.},
  volume       = {32},
  number       = {1},
  pages        = {58--72},
  year         = {2008},
  url          = {https://doi.org/10.1108/14684520810865985},
  doi          = {10.1108/14684520810865985},
  timestamp    = {Mon, 25 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/oir/SohailS08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/EspelidNKH08,
  author       = {Yngve Espelid and
                  Lars{-}Helge Netland and
                  Andr{\'{e}} N. Klingsheim and
                  Kjell J{\o}rgen Hole},
  editor       = {Gene Tsudik},
  title        = {A Proof of Concept Attack against Norwegian Internet Banking Systems},
  booktitle    = {Financial Cryptography and Data Security, 12th International Conference,
                  {FC} 2008, Cozumel, Mexico, January 28-31, 2008, Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {5143},
  pages        = {197--201},
  publisher    = {Springer},
  year         = {2008},
  url          = {https://doi.org/10.1007/978-3-540-85230-8\_18},
  doi          = {10.1007/978-3-540-85230-8\_18},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/EspelidNKH08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isse/RonchiZ08,
  author       = {Corrado Ronchi and
                  Shukhrat Zakhidov},
  editor       = {Norbert Pohlmann and
                  Helmut Reimer and
                  Wolfgang Schneider},
  title        = {Hardened Client Platforms for Secure Internet Banking},
  booktitle    = {{ISSE} 2008 - Securing Electronic Busines Processes, Highlights of
                  the Information Security Solutions Europe 2008 Conference, 7-9 October
                  2008, Madrid, Spain},
  pages        = {367--379},
  publisher    = {Vieweg+Teubner},
  year         = {2008},
  url          = {https://doi.org/10.1007/978-3-8348-9283-6\_39},
  doi          = {10.1007/978-3-8348-9283-6\_39},
  timestamp    = {Wed, 24 Apr 2019 16:36:13 +0200},
  biburl       = {https://dblp.org/rec/conf/isse/RonchiZ08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mcdm/OnarAT08,
  author       = {Sezi {\c{C}}evik Onar and
                  Emel Aktas and
                  Y. Ilker Topcu},
  editor       = {Matthias Ehrgott and
                  Boris Naujoks and
                  Theodor J. Stewart and
                  Jyrki Wallenius},
  title        = {A Multi-Criteria Evaluation of Factors Affecting Internet Banking
                  in Turkey},
  booktitle    = {Multiple Criteria Decision Making for Sustainable Energy and Transportation
                  Systems - Proceedings of the 19th International Conference on Multiple
                  Criteria Decision Making, Auckland, New Zealand, January 7-12, 2008},
  series       = {Lecture notes in economics and mathematical systems},
  volume       = {634},
  pages        = {235--246},
  publisher    = {Springer},
  year         = {2008},
  url          = {https://doi.org/10.1007/978-3-642-04045-0\_20},
  doi          = {10.1007/978-3-642-04045-0\_20},
  timestamp    = {Sat, 05 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/mcdm/OnarAT08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/webist/YuenY08,
  author       = {Yee Yen Yuen and
                  Paul H. P. Yeow},
  editor       = {Jos{\'{e}} Cordeiro and
                  Slimane Hammoudi and
                  Joaquim Filipe},
  title        = {User Acceptance of Internet Banking Service in Malaysia},
  booktitle    = {Web Information Systems and Technologies, 4th International Conference,
                  {WEBIST} 2008, Funchal, Madeira, Portugal, May 4-7, 2008, Revised
                  Selected Papers},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {18},
  pages        = {295--306},
  publisher    = {Springer},
  year         = {2008},
  url          = {https://doi.org/10.1007/978-3-642-01344-7\_22},
  doi          = {10.1007/978-3-642-01344-7\_22},
  timestamp    = {Tue, 16 Aug 2022 23:04:36 +0200},
  biburl       = {https://dblp.org/rec/conf/webist/YuenY08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ais/Ndubisi07a,
  author       = {Nelson Oly Ndubisi},
  title        = {Customers' perceptions and intention to adopt Internet banking: the
                  moderation effect of computer self-efficacy},
  journal      = {{AI} Soc.},
  volume       = {21},
  number       = {3},
  pages        = {315--327},
  year         = {2007},
  url          = {https://doi.org/10.1007/s00146-006-0062-5},
  doi          = {10.1007/S00146-006-0062-5},
  timestamp    = {Sat, 27 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ais/Ndubisi07a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/bpmj/Laukkanen07,
  author       = {Tommi Laukkanen},
  title        = {Internet vs mobile banking: comparing customer value perceptions},
  journal      = {Bus. Process. Manag. J.},
  volume       = {13},
  number       = {6},
  pages        = {788--797},
  year         = {2007},
  url          = {https://doi.org/10.1108/14637150710834550},
  doi          = {10.1108/14637150710834550},
  timestamp    = {Thu, 18 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/bpmj/Laukkanen07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijiem/ChiarakulSI07,
  author       = {Tanyamai Chiarakul and
                  Mark Speece and
                  Barbara Igel},
  title        = {Satisfaction with interpersonal and internet interactions in Thai
                  corporate banking: an exploratory study},
  journal      = {Int. J. Internet Enterp. Manag.},
  volume       = {5},
  number       = {2},
  pages        = {91--115},
  year         = {2007},
  url          = {https://doi.org/10.1504/IJIEM.2007.014084},
  doi          = {10.1504/IJIEM.2007.014084},
  timestamp    = {Wed, 02 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijiem/ChiarakulSI07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/KuismaLH07,
  author       = {Tuire Kuisma and
                  Tommi Laukkanen and
                  Mika Hiltunen},
  title        = {Mapping the reasons for resistance to Internet banking: {A} means-end
                  approach},
  journal      = {Int. J. Inf. Manag.},
  volume       = {27},
  number       = {2},
  pages        = {75--85},
  year         = {2007},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2006.08.006},
  doi          = {10.1016/J.IJINFOMGT.2006.08.006},
  timestamp    = {Fri, 21 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/KuismaLH07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/YiuGE07,
  author       = {Chi Shing Yiu and
                  Kevin Grant and
                  David Edgar},
  title        = {Factors affecting the adoption of Internet Banking in Hong Kong -
                  implications for the banking sector},
  journal      = {Int. J. Inf. Manag.},
  volume       = {27},
  number       = {5},
  pages        = {336--351},
  year         = {2007},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2007.03.002},
  doi          = {10.1016/J.IJINFOMGT.2007.03.002},
  timestamp    = {Thu, 23 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/YiuGE07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijstm/Shu-FongYMN07,
  author       = {L. Shu{-}Fong and
                  F. Mei Yin and
                  S. S. Kah Ming and
                  Nelson Oly Ndubisi},
  title        = {Attitude towards internet banking: a study of influential factors
                  in Malaysia},
  journal      = {Int. J. Serv. Technol. Manag.},
  volume       = {8},
  number       = {1},
  pages        = {41--53},
  year         = {2007},
  url          = {https://doi.org/10.1504/IJSTM.2007.012217},
  doi          = {10.1504/IJSTM.2007.012217},
  timestamp    = {Thu, 30 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijstm/Shu-FongYMN07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/MalhotraS07,
  author       = {Pooja Malhotra and
                  Balwinder Singh},
  title        = {Determinants of Internet banking adoption by banks in India},
  journal      = {Internet Res.},
  volume       = {17},
  number       = {3},
  pages        = {323--339},
  year         = {2007},
  url          = {https://doi.org/10.1108/10662240710758957},
  doi          = {10.1108/10662240710758957},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/intr/MalhotraS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsit/AbuShanabP07,
  author       = {Emad AbuShanab and
                  J. Michael Pearson},
  title        = {Internet banking in Jordan: The unified theory of acceptance and use
                  of technology {(UTAUT)} perspective},
  journal      = {J. Syst. Inf. Technol.},
  volume       = {9},
  number       = {1},
  pages        = {78--97},
  year         = {2007},
  url          = {https://doi.org/10.1108/13287260710817700},
  doi          = {10.1108/13287260710817700},
  timestamp    = {Sun, 25 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsit/AbuShanabP07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jtaer/KamR07,
  author       = {Booi Hon Kam and
                  Hernan Riquelme},
  title        = {An Exploratory Study of Length and Frequency of Internet Banking Usage},
  journal      = {J. Theor. Appl. Electron. Commer. Res.},
  volume       = {2},
  number       = {1},
  pages        = {76--85},
  year         = {2007},
  url          = {https://doi.org/10.3390/jtaer2010007},
  doi          = {10.3390/JTAER2010007},
  timestamp    = {Thu, 14 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jtaer/KamR07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/LinKSY07,
  author       = {Zhangxi Lin and
                  Weiling Ke and
                  Bingjia Shao and
                  Linhua Yang},
  editor       = {John A. Hoxmeier and
                  Stephen C. Hayne},
  title        = {Understanding Internet Banking: An Empirical Investigation of Potential
                  Customers' Acceptance in Mainland China},
  booktitle    = {Reaching New Heights. 13th Americas Conference on Information Systems,
                  {AMCIS} 2007, Keystone, Colorado, USA, August 9-12, 2007},
  pages        = {485},
  publisher    = {Association for Information Systems},
  year         = {2007},
  url          = {http://aisel.aisnet.org/amcis2007/485},
  timestamp    = {Thu, 26 Nov 2020 16:35:40 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/LinKSY07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceis/DandashWLS07,
  author       = {Osama Dandash and
                  Yiling Wang and
                  Phu Dung Le and
                  Bala Srinivasan},
  editor       = {Jorge Cardoso and
                  Jos{\'{e}} Cordeiro and
                  Joaquim Filipe},
  title        = {A New Group Key Management Structure for Fraudulent Internet Banking
                  Payments Detection},
  booktitle    = {{ICEIS} 2007 - Proceedings of the Ninth International Conference on
                  Enterprise Information Systems, Volume SAIC, Funchal, Madeira, Portugal,
                  June 12-16, 2007},
  pages        = {57--62},
  year         = {2007},
  timestamp    = {Thu, 03 Feb 2022 09:27:49 +0100},
  biburl       = {https://dblp.org/rec/conf/iceis/DandashWLS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/snpd/DandashLS07,
  author       = {Osama Dandash and
                  Phu Dung Le and
                  Bala Srinivasan},
  editor       = {Wenying Feng and
                  Feng Gao},
  title        = {Security Analysis for Internet Banking Models},
  booktitle    = {Proceedings of the 8th {ACIS} International Conference on Software
                  Engineering, Artificial Intelligence, Networking and Parallel/Distributed
                  Computing, {SNPD} 2007, July 30 - August 1, 2007, Qingdao, China},
  pages        = {1141--1146},
  publisher    = {{IEEE} Computer Society},
  year         = {2007},
  url          = {https://doi.org/10.1109/SNPD.2007.532},
  doi          = {10.1109/SNPD.2007.532},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/snpd/DandashLS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/dss/ChengLY06,
  author       = {T. C. Edwin Cheng and
                  David Y. C. Lam and
                  Andy C. L. Yeung},
  title        = {Adoption of internet banking: An empirical study in Hong Kong},
  journal      = {Decis. Support Syst.},
  volume       = {42},
  number       = {3},
  pages        = {1558--1572},
  year         = {2006},
  url          = {https://doi.org/10.1016/j.dss.2006.01.002},
  doi          = {10.1016/J.DSS.2006.01.002},
  timestamp    = {Thu, 20 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/dss/ChengLY06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ieeesp/HiltgenKW06,
  author       = {Alain P. Hiltgen and
                  Thorsten Kramp and
                  Thomas Weigold},
  title        = {Secure Internet Banking Authentication},
  journal      = {{IEEE} Secur. Priv.},
  volume       = {4},
  number       = {2},
  pages        = {21--29},
  year         = {2006},
  url          = {https://doi.org/10.1109/MSP.2006.50},
  doi          = {10.1109/MSP.2006.50},
  timestamp    = {Sun, 15 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ieeesp/HiltgenKW06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijthi/WilliamsonLSS06,
  author       = {Kirsty Williamson and
                  Sharman Lichtenstein and
                  Jen Sullivan and
                  Don Schauder},
  title        = {To Choose or Not to Choose: Exploring Australians' Views about Internet
                  Banking},
  journal      = {Int. J. Technol. Hum. Interact.},
  volume       = {2},
  number       = {4},
  pages        = {17--36},
  year         = {2006},
  url          = {https://doi.org/10.4018/jthi.2006100102},
  doi          = {10.4018/JTHI.2006100102},
  timestamp    = {Tue, 25 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijthi/WilliamsonLSS06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/Maenpaa06,
  author       = {Katariina M{\"{a}}enp{\"{a}}{\"{a}}},
  title        = {Clustering the consumers on the basis of their perceptions of the
                  Internet banking services},
  journal      = {Internet Res.},
  volume       = {16},
  number       = {3},
  pages        = {304--322},
  year         = {2006},
  url          = {https://doi.org/10.1108/10662240610673718},
  doi          = {10.1108/10662240610673718},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/Maenpaa06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jtaer/Singh06,
  author       = {Supriya Singh},
  title        = {The Social Dimensions of the Security of Internet banking},
  journal      = {J. Theor. Appl. Electron. Commer. Res.},
  volume       = {1},
  number       = {2},
  pages        = {72--78},
  year         = {2006},
  url          = {https://doi.org/10.3390/jtaer1020014},
  doi          = {10.3390/JTAER1020014},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jtaer/Singh06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jwsr/ShanH06,
  author       = {Tony Chao Shan and
                  Winnie W. Hua},
  title        = {Service-Oriented Solution Framework for Internet Banking},
  journal      = {Int. J. Web Serv. Res.},
  volume       = {3},
  number       = {1},
  pages        = {29--48},
  year         = {2006},
  url          = {https://doi.org/10.4018/jwsr.2006010102},
  doi          = {10.4018/JWSR.2006010102},
  timestamp    = {Thu, 04 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jwsr/ShanH06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEares/Aggelis06,
  author       = {Vasilis Aggelis},
  title        = {Offline Internet Banking Fraud Detection},
  booktitle    = {Proceedings of the The First International Conference on Availability,
                  Reliability and Security, {ARES} 2006, The International Dependability
                  Conference - Bridging Theory and Practice, April 20-22 2006, Vienna
                  University of Technology, Austria},
  pages        = {904--905},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ARES.2006.89},
  doi          = {10.1109/ARES.2006.89},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/IEEEares/Aggelis06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/jcis/WuTCH06,
  author       = {Wen{-}Hsiung Wu and
                  Yi{-}Ming Tai and
                  Mei{-}Se Chien and
                  Len{-}Kuo Hu},
  title        = {An Empirical Investigation of Internet Banking Adoption from Bank
                  Personnel Perspective},
  booktitle    = {Proceedings of the 2006 Joint Conference on Information Sciences,
                  {JCIS} 2006, Kaohsiung, Taiwan, ROC, October 8-11, 2006},
  publisher    = {Atlantis Press},
  year         = {2006},
  url          = {https://doi.org/10.2991/jcis.2006.60},
  doi          = {10.2991/JCIS.2006.60},
  timestamp    = {Wed, 10 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/jcis/WuTCH06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ozchi/SinghCH06,
  author       = {Supriya Singh and
                  Anuja Cabraal and
                  Gabriele Hermansson},
  editor       = {Toni Robertson},
  title        = {What is your husband's name?: sociological dimensions of internet
                  banking authentication},
  booktitle    = {Proceedings of the 2006 Australasian Computer-Human Interaction Conference,
                  {OZCHI} 2006, Sydney, Australia, November 20-24, 2006},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {206},
  pages        = {237--244},
  publisher    = {{ACM}},
  year         = {2006},
  url          = {https://doi.org/10.1145/1228175.1228217},
  doi          = {10.1145/1228175.1228217},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ozchi/SinghCH06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/firstmonday/Fox05,
  author       = {Mark A. Fox},
  title        = {Internet banking, e-money and the Internet gift economy},
  journal      = {First Monday},
  volume       = {10},
  number       = {{SI-3}},
  year         = {2005},
  url          = {http://www.uic.edu/htbin/cgiwrap/bin/ojs/index.php/fm/article/view/1508},
  timestamp    = {Thu, 26 Jun 2008 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/firstmonday/Fox05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iam/LaiL05,
  author       = {Vincent S. Lai and
                  Honglei Li},
  title        = {Technology acceptance model for internet banking: an invariance analysis},
  journal      = {Inf. Manag.},
  volume       = {42},
  number       = {2},
  pages        = {373--386},
  year         = {2005},
  url          = {https://doi.org/10.1016/j.im.2004.01.007},
  doi          = {10.1016/J.IM.2004.01.007},
  timestamp    = {Fri, 27 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iam/LaiL05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/JihWC05,
  author       = {Wen{-}Jang Jih and
                  Shu{-}Yeng Wong and
                  Tsung{-}Bin Chang},
  title        = {Effects of Perceived Risks on Adoption of Internet Banking Services:
                  An Empirical Investigation in Taiwan},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {1},
  number       = {1},
  pages        = {70--88},
  year         = {2005},
  url          = {https://doi.org/10.4018/jebr.2005010105},
  doi          = {10.4018/JEBR.2005010105},
  timestamp    = {Tue, 24 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/JihWC05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/imds/LuLJH05,
  author       = {Ming{-}te Lu and
                  Chun{-}hong Liu and
                  Jiang Jing and
                  Linjun Huang},
  title        = {Internet banking: strategic responses to the accession of {WTO} by
                  Chinese banks},
  journal      = {Ind. Manag. Data Syst.},
  volume       = {105},
  number       = {4},
  pages        = {429--442},
  year         = {2005},
  url          = {https://doi.org/10.1108/02635570510592343},
  doi          = {10.1108/02635570510592343},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/imds/LuLJH05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/FlavianGT05,
  author       = {Carlos Flavi{\'{a}}n and
                  Miguel Guinaliu and
                  Eduardo Torres},
  title        = {The influence of corporate image on consumer trust: {A} comparative
                  analysis in traditional versus internet banking},
  journal      = {Internet Res.},
  volume       = {15},
  number       = {4},
  pages        = {447--470},
  year         = {2005},
  url          = {https://doi.org/10.1108/10662240510615191},
  doi          = {10.1108/10662240510615191},
  timestamp    = {Sat, 11 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/FlavianGT05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/JaruwachirathanakulF05,
  author       = {Bussakorn Jaruwachirathanakul and
                  Dieter Fink},
  title        = {Internet banking adoption strategies for a developing country: the
                  case of Thailand},
  journal      = {Internet Res.},
  volume       = {15},
  number       = {3},
  pages        = {295--311},
  year         = {2005},
  url          = {https://doi.org/10.1108/10662240510602708},
  doi          = {10.1108/10662240510602708},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/JaruwachirathanakulF05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/saj/BrownB05,
  author       = {Irwin Brown and
                  Michael Buys},
  title        = {Customer satisfaction with Internet banking web sites : an empirical
                  test and validation of a measuring instrument},
  journal      = {South Afr. Comput. J.},
  volume       = {35},
  pages        = {29--37},
  year         = {2005},
  url          = {http://reference.sabinet.co.za/document/EJC27999},
  timestamp    = {Thu, 03 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/saj/BrownB05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/SiriluckS05,
  author       = {Siriluck Rotchanakitumnuai and
                  Mark Speece},
  editor       = {Qi Li and
                  Ting{-}Peng Liang},
  title        = {The impact of web-based service on switching cost: evidence from Thai
                  internet banking},
  booktitle    = {Proceedings of the 7th International Conference on Electronic Commerce,
                  {ICEC} 2005, Xi'an, China, August 15-17, 2005},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {113},
  pages        = {11--18},
  publisher    = {{ACM}},
  year         = {2005},
  url          = {https://doi.org/10.1145/1089551.1089555},
  doi          = {10.1145/1089551.1089555},
  timestamp    = {Tue, 06 Apr 2021 12:12:56 +0200},
  biburl       = {https://dblp.org/rec/conf/ACMicec/SiriluckS05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acisp/McCullaghC05,
  author       = {Adrian McCullagh and
                  William J. Caelli},
  editor       = {Colin Boyd and
                  Juan Manuel Gonz{\'{a}}lez Nieto},
  title        = {Who Goes There? Internet Banking: {A} Matter of Risk and Reward},
  booktitle    = {Information Security and Privacy, 10th Australasian Conference, {ACISP}
                  2005, Brisbane, Australia, July 4-6, 2005, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3574},
  pages        = {336--357},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/11506157\_29},
  doi          = {10.1007/11506157\_29},
  timestamp    = {Tue, 14 May 2019 10:00:46 +0200},
  biburl       = {https://dblp.org/rec/conf/acisp/McCullaghC05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/Liao05,
  author       = {Ziqi Liao},
  editor       = {Deepak Khazanchi and
                  Ilze Zigurs},
  title        = {Trust Building and Sustainable Internet Banking},
  booktitle    = {A Conference on a Human Scale. 11th Americas Conference on Information
                  Systems, {AMCIS} 2005, Omaha, Nebraska, USA, August 11-14, 2005},
  pages        = {16},
  publisher    = {Association for Information Systems},
  year         = {2005},
  url          = {http://aisel.aisnet.org/amcis2005/16},
  timestamp    = {Fri, 06 Jan 2012 11:23:55 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/Liao05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eee/LiaoC05,
  author       = {Ziqi Liao and
                  Michael Tow Cheung},
  title        = {Service Quality in Internet e-Banking: {A} User-Based Core Framework},
  booktitle    = {2005 {IEEE} International Conference on e-Technology, e-Commerce,
                  and e-Services {(EEE} 2005), 29 March - 1 April 2005, Hong Kong, China},
  pages        = {628--631},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/EEE.2005.120},
  doi          = {10.1109/EEE.2005.120},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/eee/LiaoC05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/human/LeeP05,
  author       = {Sang Jun Lee and
                  SeungBae Park},
  editor       = {Shinji Shimojo and
                  Shingo Ichii and
                  Tok Wang Ling and
                  Kwan Ho Song},
  title        = {Mobile Password System for Enhancing Usability-Guaranteed Security
                  in Mobile Phone Banking},
  booktitle    = {Web and Communication Technologies and Internet-Related Social Issues
                  - {HSI} 2005, 3rd International Conference on Human.Society@Internet,
                  Tokyo, Japan, July 27-29, 2005, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3597},
  pages        = {66--74},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/11527725\_8},
  doi          = {10.1007/11527725\_8},
  timestamp    = {Mon, 30 May 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/human/LeeP05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmb/Laukkanen05,
  author       = {Tommi Laukkanen},
  title        = {Comparing Customer Valve Creation in Internet and Mobile Banking},
  booktitle    = {2005 International Conference on Mobile Business {(ICMB} 2005), 11-13
                  July 2005, Sydney, Australia},
  pages        = {655--658},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ICMB.2005.28},
  doi          = {10.1109/ICMB.2005.28},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icmb/Laukkanen05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/issa/Parkin05,
  author       = {Emile Parkin},
  editor       = {Jan H. P. Eloff and
                  Les Labuschagne and
                  Mariki M. Eloff and
                  Hein S. Venter},
  title        = {Cryptographic Key Management principles applied in South African Internet
                  Banking},
  booktitle    = {Proceedings of the {ISSA} 2005 New Knowledge Today Conference, 29
                  June - 1 July 2005, Balalaika Hotel, Sandton, South Africa},
  pages        = {1--12},
  publisher    = {ISSA, Pretoria, South Africa},
  year         = {2005},
  url          = {http://icsa.cs.up.ac.za/issa/2005/Proceedings/Full/059\_Article.pdf},
  timestamp    = {Thu, 12 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/issa/Parkin05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/saint/KucerovaS05,
  author       = {Zuzana Kucerova and
                  Jean{-}Michel Sahut},
  title        = {Improving End-User Experience via Quality Performance Evaluation:
                  Internet Banking Case},
  booktitle    = {2005 {IEEE/IPSJ} International Symposium on Applications and the Internet
                  Workshops {(SAINT} 2005 Workshops), 31 January - 4 February 2005,
                  Trento, Italy},
  pages        = {384--387},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/SAINTW.2005.1620055},
  doi          = {10.1109/SAINTW.2005.1620055},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/saint/KucerovaS05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/aslib/Singh04,
  author       = {Anesh Maniraj Singh},
  title        = {Trends in South African Internet banking},
  journal      = {Aslib Proc.},
  volume       = {56},
  number       = {3},
  pages        = {187--196},
  year         = {2004},
  url          = {https://doi.org/10.1108/00012530410539368},
  doi          = {10.1108/00012530410539368},
  timestamp    = {Sun, 17 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/aslib/Singh04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/db/KimP04,
  author       = {Kyung Kyu Kim and
                  Bipin Prabhakar},
  title        = {Initial trust and the adoption of {B2C} e-commerce: The case of internet
                  banking},
  journal      = {Data Base},
  volume       = {35},
  number       = {2},
  pages        = {50--64},
  year         = {2004},
  url          = {https://doi.org/10.1145/1007965.1007970},
  doi          = {10.1145/1007965.1007970},
  timestamp    = {Wed, 20 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/db/KimP04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/PikkarainenPKP04,
  author       = {Tero Pikkarainen and
                  Kari Pikkarainen and
                  Heikki Karjaluoto and
                  Seppo Pahnila},
  title        = {Consumer acceptance of online banking: an extension of the technology
                  acceptance model},
  journal      = {Internet Res.},
  volume       = {14},
  number       = {3},
  pages        = {224--235},
  year         = {2004},
  url          = {https://doi.org/10.1108/10662240410542652},
  doi          = {10.1108/10662240410542652},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/PikkarainenPKP04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/ShihF04,
  author       = {Ya{-}Yueh Shih and
                  Kwoting Fang},
  title        = {The use of a decomposed theory of planned behavior to study Internet
                  banking in Taiwan},
  journal      = {Internet Res.},
  volume       = {14},
  number       = {3},
  pages        = {213--223},
  year         = {2004},
  url          = {https://doi.org/10.1108/10662240410542643},
  doi          = {10.1108/10662240410542643},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/ShihF04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/BrownHMNS04,
  author       = {Irwin Brown and
                  Rudi Hoppe and
                  Pauline Mugera and
                  Paul Newman and
                  Adrie Stander},
  title        = {The Impact of National Environment on the Adoption of Internet Banking:
                  Comparing Singapore and South Africa},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {12},
  number       = {2},
  pages        = {1--26},
  year         = {2004},
  url          = {https://doi.org/10.4018/jgim.2004040101},
  doi          = {10.4018/JGIM.2004040101},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jgim/BrownHMNS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/ChanL04,
  author       = {Siu{-}cheung Chan and
                  Ming{-}te Lu},
  title        = {Understanding Internet Banking Adoption and Use Behavior: {A} Hong
                  Kong Perspective},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {12},
  number       = {3},
  pages        = {21--43},
  year         = {2004},
  url          = {https://doi.org/10.4018/jgim.2004070102},
  doi          = {10.4018/JGIM.2004070102},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jgim/ChanL04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tele/Centeno04,
  author       = {Clara Centeno},
  title        = {Adoption of Internet services in the Acceding and Candidate Countries,
                  lessons from the Internet banking case},
  journal      = {Telematics Informatics},
  volume       = {21},
  number       = {4},
  pages        = {293--315},
  year         = {2004},
  url          = {https://doi.org/10.1016/j.tele.2004.02.001},
  doi          = {10.1016/J.TELE.2004.02.001},
  timestamp    = {Mon, 24 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tele/Centeno04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/KoskosasP04,
  author       = {Ioannis V. Koskosas and
                  Ray J. Paul},
  editor       = {Marijn Janssen and
                  Henk G. Sol and
                  Ren{\'{e}} W. Wagenaar},
  title        = {The interrelationship and effect of culture and risk communication
                  in setting internet banking security goals},
  booktitle    = {Proceedings of the 6th International Conference on Electronic Commerce,
                  {ICEC} 2004, Delft, The Netherlands, October 25-27, 2004},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {60},
  pages        = {341--350},
  publisher    = {{ACM}},
  year         = {2004},
  url          = {https://doi.org/10.1145/1052220.1052264},
  doi          = {10.1145/1052220.1052264},
  timestamp    = {Fri, 08 Sep 2023 14:37:35 +0200},
  biburl       = {https://dblp.org/rec/conf/ACMicec/KoskosasP04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cit/DubeR04,
  author       = {Durga Prasad Dube and
                  S. Ramanarayanan},
  editor       = {Gautam Das and
                  Ved Prakash Gulati},
  title        = {Internet Banking - {A} Layered Approach to Security},
  booktitle    = {Intelligent Information Technology, 7th International Conference on
                  Information Technology, {CIT} 2004, Hyderabad, India, December 20-23,
                  2004, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3356},
  pages        = {190--197},
  publisher    = {Springer},
  year         = {2004},
  url          = {https://doi.org/10.1007/978-3-540-30561-3\_20},
  doi          = {10.1007/978-3-540-30561-3\_20},
  timestamp    = {Fri, 13 Oct 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/cit/DubeR04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iadis/Chawla04,
  author       = {Sonal Chawla},
  editor       = {Pedro T. Isa{\'{\i}}as and
                  Nitya Karmakar and
                  Lu{\'{\i}}s E. T. Rodrigues and
                  Patr{\'{\i}}cia Barbosa},
  title        = {Internet Banking in India: {A} Glimpse of its Adoption and Implementation
                  in India through Case Studies},
  booktitle    = {Proceedings of the {IADIS} International Conference WWW/Internet 2004,
                  Madrid, Spain, 2 Volumes},
  pages        = {612--618},
  publisher    = {{IADIS}},
  year         = {2004},
  timestamp    = {Wed, 01 Apr 2015 20:06:19 +0200},
  biburl       = {https://dblp.org/rec/conf/iadis/Chawla04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceb/NguyenS04,
  author       = {Thanh Nguyen and
                  Mohini Singh},
  editor       = {Jian Chen},
  title        = {Impact of Internet Banking on Customer Satisfaction and Loyalty: {A}
                  Conceptual Model},
  booktitle    = {The Fourth International Conference on Electronic Business - Shaping
                  Business Strategy in a Networked World},
  pages        = {298--303},
  publisher    = {Academic Publishers/World Publishing Corporation},
  year         = {2004},
  timestamp    = {Tue, 22 Feb 2005 15:21:39 +0100},
  biburl       = {https://dblp.org/rec/conf/iceb/NguyenS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/LiaoW04,
  author       = {Ziqi Liao and
                  Wing{-}Keung Wong},
  title        = {An Empirical Assessment of Internet Banking Systems},
  booktitle    = {Pacific Asia Conference on Information Systems, {PACIS} 2004, Shanghai,
                  China, July 8-11, 2004},
  pages        = {100},
  publisher    = {AISeL},
  year         = {2004},
  url          = {http://aisel.aisnet.org/pacis2004/100},
  timestamp    = {Sat, 03 Mar 2012 13:26:52 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/LiaoW04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/RotchanakitumnuaiS04,
  author       = {Siriluck Rotchanakitumnuai and
                  Mark Speece},
  title        = {Balancing Business Value of Thai Internet Banking Services: The Corporate
                  Customers' Perspectives},
  booktitle    = {Pacific Asia Conference on Information Systems, {PACIS} 2004, Shanghai,
                  China, July 8-11, 2004},
  pages        = {4},
  publisher    = {AISeL},
  year         = {2004},
  url          = {http://aisel.aisnet.org/pacis2004/4},
  timestamp    = {Sat, 03 Mar 2012 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/RotchanakitumnuaiS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Guth03,
  author       = {Gordon Guth},
  title        = {Vertrauen im Internet: Untersuchungen am Beispiel des Corporate-Internet-Banking},
  school       = {Kaiserslautern University of Technology, Germany},
  year         = {2003},
  url          = {https://d-nb.info/968554075},
  isbn         = {978-3-89825-604-9},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Guth03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Schepers03,
  author       = {Volker Schepers},
  title        = {Internet-Banking und sparkassenrechtliches Regionalprinzip},
  school       = {University of M{\"{u}}nster, Germany},
  year         = {2003},
  url          = {https://d-nb.info/967840481},
  isbn         = {978-3-555-01308-4},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Schepers03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cacm/LiaoC03a,
  author       = {Ziqi Liao and
                  Michael Tow Cheung},
  title        = {Challenges to Internet e-banking},
  journal      = {Commun. {ACM}},
  volume       = {46},
  number       = {12},
  pages        = {248--250},
  year         = {2003},
  url          = {https://doi.org/10.1145/953460.953507},
  doi          = {10.1145/953460.953507},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/cacm/LiaoC03a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/electronicmarkets/Bughin03,
  author       = {Jacques Bughin},
  title        = {The Diffusion of Internet Banking in Western Europe},
  journal      = {Electron. Mark.},
  volume       = {13},
  number       = {3},
  pages        = {251--258},
  year         = {2003},
  url          = {https://doi.org/10.1080/1019678032000108329},
  doi          = {10.1080/1019678032000108329},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/electronicmarkets/Bughin03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jocec/ChauL03,
  author       = {Patrick Y. K. Chau and
                  Vincent S. Lai},
  title        = {An Empirical Investigation of the Determinants of User Acceptance
                  of Internet Banking},
  journal      = {J. Organ. Comput. Electron. Commer.},
  volume       = {13},
  number       = {2},
  pages        = {123--145},
  year         = {2003},
  url          = {https://doi.org/10.1207/S15327744JOCE1302\_3},
  doi          = {10.1207/S15327744JOCE1302\_3},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jocec/ChauL03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsit/OReillyF03,
  author       = {Philip O'Reilly and
                  Pat Finnegan},
  title        = {Internet banking systems: An exploration of contemporary issues},
  journal      = {J. Syst. Inf. Technol.},
  volume       = {7},
  number       = {1/2},
  pages        = {93--110},
  year         = {2003},
  url          = {https://doi.org/10.1108/13287260380000775},
  doi          = {10.1108/13287260380000775},
  timestamp    = {Thu, 18 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsit/OReillyF03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tem/GopalakrishnanW03,
  author       = {Shanthi Gopalakrishnan and
                  J. Daniel Wischnevsky and
                  Fariborz Damanpour},
  title        = {A multilevel analysis of factors influencing the adoption of Internet
                  Banking},
  journal      = {{IEEE} Trans. Engineering Management},
  volume       = {50},
  number       = {4},
  pages        = {413--426},
  year         = {2003},
  url          = {https://doi.org/10.1109/TEM.2003.819648},
  doi          = {10.1109/TEM.2003.819648},
  timestamp    = {Sat, 27 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tem/GopalakrishnanW03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/KaturiL03,
  author       = {Srinivasa Katuri and
                  Monica Lam},
  title        = {Factors Affecting Internet Banking Activities: {A} Case Study of a
                  Community Bank},
  booktitle    = {9th Americas Conference on Information Systems, {AMCIS} 2003, Tampa,
                  FL, USA, August 4-6, 2003},
  pages        = {20},
  publisher    = {Association for Information Systems},
  year         = {2003},
  url          = {http://aisel.aisnet.org/amcis2003/20},
  timestamp    = {Wed, 15 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/KaturiL03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/chinz/RattanawichaETG03,
  author       = {Pimmanee Rattanawicha and
                  Vatcharaporn Esichaikul and
                  Chatpong Tangmanee and
                  Eralp G{\"{u}}llep},
  editor       = {Elizabeth A. Kemp and
                  Chris Phillips and
                  B. L. William Wong},
  title        = {Customer trust in internet banking systems: an empirical study of
                  Thailand},
  booktitle    = {Proceedings of the 4th Annual Conference of the {ACM} Special Interest
                  Group on Computer-Human Interaction, {CHINZ} 2003, Dunedin, New Zealand,
                  3-4 July 2003},
  pages        = {27--32},
  publisher    = {{ACM}},
  year         = {2003},
  url          = {https://doi.org/10.1145/2331829.2331835},
  doi          = {10.1145/2331829.2331835},
  timestamp    = {Tue, 21 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/chinz/RattanawichaETG03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iadis/AholaA03,
  author       = {Johanna Ahola and
                  Helena Ahola},
  title        = {Cybercultural Models Beyond Internet Banking: An Ethnographic Study
                  in a Finnish Retail Bank},
  booktitle    = {Proceedings of the {IADIS} International Conference WWW/Internet 2003,
                  {ICWI} 2003, Algarve, Portugal, November 5-8, 2003},
  pages        = {1163--1166},
  publisher    = {{IADIS}},
  year         = {2003},
  timestamp    = {Thu, 18 Mar 2004 15:27:46 +0100},
  biburl       = {https://dblp.org/rec/conf/iadis/AholaA03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icwe/PatricioCFP03,
  author       = {Lia Patr{\'{\i}}cio and
                  Jo{\~{a}}o Falc{\~{a}}o e Cunha and
                  Raymond P. Fisk and
                  Oscar Pastor},
  editor       = {Juan Manuel Cueva Lovelle and
                  Bernardo Mart{\'{\i}}n Gonz{\'{a}}lez Rodr{\'{\i}}guez and
                  Luis Joyanes Aguilar and
                  Jos{\'{e}} Emilio Labra Gayo and
                  Mar{\'{\i}}a del Puerto Paule Ru{\'{\i}}z},
  title        = {Essential Use Cases in the Design of Multi-channel Service Offerings
                  - {A} Study of Internet Banking},
  booktitle    = {Web Engineering, International Conference, {ICWE} 2003, Oviedo, Spain,
                  July 14-18, 2003, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2722},
  pages        = {468--471},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/3-540-45068-8\_88},
  doi          = {10.1007/3-540-45068-8\_88},
  timestamp    = {Mon, 18 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icwe/PatricioCFP03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/oopsla/CoetzeeW03,
  author       = {Vincent Coetzee and
                  Robert J. Walker},
  editor       = {Ron Crocker and
                  Guy L. Steele Jr.},
  title        = {Experiences using an {ODBMS} for a high-volume internet banking system},
  booktitle    = {Companion of the 18th Annual {ACM} {SIGPLAN} Conference on Object-Oriented
                  Programming, Systems, Languages, and Applications, {OOPSLA} 2003,
                  October 26-30, 2003, Anaheim, CA, {USA}},
  pages        = {334--338},
  publisher    = {{ACM}},
  year         = {2003},
  url          = {https://doi.org/10.1145/949344.949439},
  doi          = {10.1145/949344.949439},
  timestamp    = {Fri, 25 Jun 2021 17:20:20 +0200},
  biburl       = {https://dblp.org/rec/conf/oopsla/CoetzeeW03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/SuhH02,
  author       = {Bomil Suh and
                  Ingoo Han},
  title        = {Effect of trust on customer acceptance of Internet banking},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {1},
  number       = {3-4},
  pages        = {247--263},
  year         = {2002},
  url          = {https://doi.org/10.1016/S1567-4223(02)00017-0},
  doi          = {10.1016/S1567-4223(02)00017-0},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/SuhH02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iam/LiaoC02,
  author       = {Ziqi Liao and
                  Michael Tow Cheung},
  title        = {Internet-based e-banking and consumer attitudes: an empirical study},
  journal      = {Inf. Manag.},
  volume       = {39},
  number       = {4},
  pages        = {283--295},
  year         = {2002},
  url          = {https://doi.org/10.1016/S0378-7206(01)00097-0},
  doi          = {10.1016/S0378-7206(01)00097-0},
  timestamp    = {Thu, 20 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iam/LiaoC02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tele/Simpson02,
  author       = {John Simpson},
  title        = {The impact of the Internet in banking: observations and evidence from
                  developed and emerging markets},
  journal      = {Telematics Informatics},
  volume       = {19},
  number       = {4},
  pages        = {315--330},
  year         = {2002},
  url          = {https://doi.org/10.1016/S0736-5853(01)00019-3},
  doi          = {10.1016/S0736-5853(01)00019-3},
  timestamp    = {Mon, 24 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tele/Simpson02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/ChungP02,
  author       = {Winnie Chung and
                  John Paynter},
  title        = {An Evaluation of Internet Banking in New Zealand},
  booktitle    = {35th Hawaii International Conference on System Sciences {(HICSS-35}
                  2002), {CD-ROM} / Abstracts Proceedings, 7-10 January 2002, Big Island,
                  HI, {USA}},
  pages        = {185},
  publisher    = {{IEEE} Computer Society},
  year         = {2002},
  url          = {https://doi.org/10.1109/HICSS.2002.994178},
  doi          = {10.1109/HICSS.2002.994178},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/ChungP02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/SciglimpagliaE02,
  author       = {Don Sciglimpaglia and
                  David Ely},
  title        = {Internet Banking: {A} Customer-Centric Perspective},
  booktitle    = {35th Hawaii International Conference on System Sciences {(HICSS-35}
                  2002), {CD-ROM} / Abstracts Proceedings, 7-10 January 2002, Big Island,
                  HI, {USA}},
  pages        = {186},
  publisher    = {{IEEE} Computer Society},
  year         = {2002},
  url          = {https://doi.org/10.1109/HICSS.2002.994179},
  doi          = {10.1109/HICSS.2002.994179},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/SciglimpagliaE02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ic/WoodhamsJ02,
  author       = {Esther Woodhams and
                  Mervyn A. Jack},
  editor       = {Hamid R. Arabnia and
                  Youngsong Mun},
  title        = {The Effect on Locus of Control of Webguides and Chatbots in Online
                  Banking},
  booktitle    = {Proceedings of the International Conference on Internet Computing,
                  {IC} 2002, Las Vegas, Nevada, USA, June 24-27, 2002},
  pages        = {740--743},
  publisher    = {{CSREA} Press},
  year         = {2002},
  timestamp    = {Fri, 03 Feb 2017 14:05:09 +0100},
  biburl       = {https://dblp.org/rec/conf/ic/WoodhamsJ02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip8-4/HengP02,
  author       = {Michael S. H. Heng and
                  Steve C. A. Peters},
  editor       = {Kim Viborg Andersen and
                  Steve Elliot and
                  Paula M. C. Swatman and
                  Eileen M. Trauth and
                  Niels Bj{\o}rn{-}Andersen},
  title        = {The Internet and an Opportunity to Re-invent the Banking System},
  booktitle    = {Seeking Success in E-Business - {A} Multidisciplinary Approach, {IFIP}
                  {TC8} / {WG8.4} Second Working Conference on E-Business: Multidisciplinary
                  Research and Practice, June 9-11, 2002, Copenhagen, Denmark},
  series       = {{IFIP} Conference Proceedings},
  volume       = {252},
  pages        = {21--34},
  publisher    = {Kluwer},
  year         = {2002},
  timestamp    = {Thu, 15 May 2003 14:48:31 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip8-4/HengP02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/informaticaSI/HutchinsonW01,
  author       = {D. Hutchinson and
                  Matthew J. Warren},
  title        = {Security authentication for on-line Internet banking},
  journal      = {Informatica (Slovenia)},
  volume       = {25},
  number       = {3},
  year         = {2001},
  timestamp    = {Mon, 15 Feb 2016 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/informaticaSI/HutchinsonW01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icsm/Goeschl01,
  author       = {Siegfried G{\"{o}}schl},
  title        = {{SDS} Internet Banking},
  booktitle    = {2001 International Conference on Software Maintenance, {ICSM} 2001,
                  Florence, Italy, November 6-10, 2001},
  pages        = {104},
  publisher    = {{IEEE} Computer Society},
  year         = {2001},
  url          = {https://doi.org/10.1109/ICSM.2001.972716},
  doi          = {10.1109/ICSM.2001.972716},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icsm/Goeschl01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/JayawardhenaF00,
  author       = {Chanaka Jayawardhena and
                  Paul Foley},
  title        = {Changes in the banking sector - the case of Internet banking in the
                  {UK}},
  journal      = {Internet Res.},
  volume       = {10},
  number       = {1},
  pages        = {19--31},
  year         = {2000},
  url          = {https://doi.org/10.1108/10662240010312048},
  doi          = {10.1108/10662240010312048},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/JayawardhenaF00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/Mols00,
  author       = {Niels Peter Mols},
  title        = {The Internet and services marketing - the case of Danish retail banking},
  journal      = {Internet Res.},
  volume       = {10},
  number       = {1},
  pages        = {7--18},
  year         = {2000},
  url          = {https://doi.org/10.1108/10662240010312093},
  doi          = {10.1108/10662240010312093},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/Mols00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ism/ChouC00,
  author       = {David C. Chou and
                  Amy Y. Chou},
  title        = {A Guide to the Internet Revolution in Banking},
  journal      = {Inf. Syst. Manag.},
  volume       = {17},
  number       = {2},
  pages        = {1--7},
  year         = {2000},
  url          = {https://doi.org/10.1201/1078/43191.17.2.20000301/31227.6},
  doi          = {10.1201/1078/43191.17.2.20000301/31227.6},
  timestamp    = {Tue, 25 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ism/ChouC00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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@article{DBLP:journals/jais/CarterSN00,
  author       = {Richard B. Carter and
                  Troy J. Strader and
                  Sree Nilakanta},
  title        = {Online Investment Banking Phase {I:} Distribution via the Internet
                  and Its Impact on {IPO} Performance},
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  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jais/CarterSN00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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@article{DBLP:journals/jais/TanT00,
  author       = {Margaret Tan and
                  Thompson S. H. Teo},
  title        = {Factors Influencing the Adoption of Internet Banking},
  journal      = {J. Assoc. Inf. Syst.},
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  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jais/TanT00.bib},
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@inproceedings{DBLP:conf/icis/KimP00,
  author       = {Kyung Kyu Kim and
                  Bipin Prabhakar},
  editor       = {Soon Ang and
                  Helmut Krcmar and
                  Wanda J. Orlikowski and
                  Peter Weill and
                  Janice I. DeGross},
  title        = {Initial trust, perceived risk, and the adoption of internet banking},
  booktitle    = {Proceedings of the Twenty-First International Conference on Information
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  pages        = {537--543},
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  year         = {2000},
  url          = {http://aisel.aisnet.org/icis2000/55},
  timestamp    = {Wed, 28 Nov 2018 12:57:14 +0100},
  biburl       = {https://dblp.org/rec/conf/icis/KimP00.bib},
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  author       = {Moon{-}Sik Kim and
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  editor       = {Kwong{-}Sak Leung and
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                  Helen Meng},
  title        = {A Design and Implementation of Cyber Banking Process and Settlement
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  booktitle    = {Intelligent Data Engineering and Automated Learning - {IDEAL} 2000,
                  Data Mining, Financial Engineering, and Intelligent Agents, Second
                  International Conference, Shatin, {N.T.} Hong Kong, China, December
                  13-15, 2000, Proceedings},
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@inproceedings{DBLP:conf/imsa/Pree99,
  author       = {Wolfgang Pree},
  editor       = {Borko Furht},
  title        = {Enhancing Internet Banking Through Voice Control},
  booktitle    = {Internet, Multimedia Systems and Applications, {IMSA} 1999, October
                  18-21, 1999, Nassau, The Bahamas},
  pages        = {398--402},
  publisher    = {{IASTED/ACTA} Press},
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  timestamp    = {Sun, 28 Jul 2019 13:40:03 +0200},
  biburl       = {https://dblp.org/rec/conf/imsa/Pree99.bib},
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@article{DBLP:journals/comcom/LeongSH98,
  author       = {S. K. Leong and
                  Thambipillai Srikanthan and
                  Gurdeep S. Hura},
  title        = {An Internet application for on-line banking},
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  biburl       = {https://dblp.org/rec/journals/comcom/LeongSH98.bib},
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@inproceedings{DBLP:conf/ecis/MartinWB98,
  author       = {David B. Martin and
                  David Graham Wastell and
                  John Bowers},
  editor       = {Walter Baets},
  title        = {Ethnographically informed system design: the development and evaluation
                  of an Internet-based electronic banking application},
  booktitle    = {Proceedings of the Sixth European Conference on Information Systems,
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  pages        = {513--527},
  publisher    = {Euro-Arab Management School},
  year         = {1998},
  timestamp    = {Tue, 16 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ecis/MartinWB98.bib},
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@inproceedings{DBLP:conf/hicss/BuhlW98,
  author       = {Hans Ulrich Buhl and
                  Andreas Will},
  title        = {Economic Aspects of Electronic Commerce in Financial Services and
                  Advantageous Steps to Extended Offers in Internet Banking},
  booktitle    = {Thirty-First Annual Hawaii International Conference on System Sciences,
                  Kohala Coast, Hawaii, USA, January 6-9, 1998},
  pages        = {282--291},
  publisher    = {{IEEE} Computer Society},
  year         = {1998},
  url          = {https://doi.org/10.1109/HICSS.1998.655284},
  doi          = {10.1109/HICSS.1998.655284},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/BuhlW98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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@inproceedings{DBLP:conf/hicss/YanP98,
  author       = {Gloria Yan and
                  Joseph C. Paradi},
  title        = {Internet - The Future Delivery Channel for Banking Services?},
  booktitle    = {Thirty-First Annual Hawaii International Conference on System Sciences,
                  Kohala Coast, Hawaii, USA, January 6-9, 1998},
  pages        = {290},
  publisher    = {{IEEE} Computer Society},
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  url          = {https://doi.org/10.1109/HICSS.1998.655285},
  doi          = {10.1109/HICSS.1998.655285},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/YanP98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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  author       = {Albert A. Angehrn and
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  title        = {Developing Mature Internet StrategiesInsights from the Banking Sector},
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  timestamp    = {Tue, 25 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ism/AngehrnM97.bib},
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@inproceedings{DBLP:conf/hicss/YanPB97,
  author       = {Gloria Yan and
                  Joseph C. Paradi and
                  Suneel Bhargava},
  title        = {Banking On The Internet And Its Applications},
  booktitle    = {30th Annual Hawaii International Conference on System Sciences (HICSS-30),
                  7-10 January 1997, Maui, Hawaii, {USA}},
  pages        = {275},
  publisher    = {{IEEE} Computer Society},
  year         = {1997},
  url          = {https://doi.org/10.1109/HICSS.1997.663398},
  doi          = {10.1109/HICSS.1997.663398},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/YanPB97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cn/Kolletzki96,
  author       = {Stephan Kolletzki},
  title        = {Secure Internet Banking with Privacy Enhanced Mail - {A} Protocol
                  for Reliable Exchange of Secured Order Forms},
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  timestamp    = {Thu, 14 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cn/Kolletzki96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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@article{DBLP:journals/intr/X96a,
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  biburl       = {https://dblp.org/rec/journals/intr/X96a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
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@article{DBLP:journals/jcmc/Crede95,
  author       = {Andreas Crede},
  title        = {Electronic Commerce and the Banking Industry: The Requirement and
                  Opportunities for New Payment Systems Using the Internet},
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  timestamp    = {Thu, 01 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcmc/Crede95.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
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