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@article{DBLP:journals/jocec/ChiuHHL24,
  author       = {Chao{-}Min Chiu and
                  Paul Jen{-}Hwa Hu and
                  Jack Shih{-}Chieh Hsu and
                  Yen{-}Chun Lin},
  title        = {{THE} {FACILITATORS} {AND} {INHIBITORS} {OF} {CUSTOMER} {ADOPTION}
                  {OF} {PURE} {INTERNET} {BANKING:} {TRUST} {TRANSFER} {AND} {STATUS}
                  {QUO} {BIAS}},
  journal      = {J. Organ. Comput. Electron. Commer.},
  volume       = {34},
  number       = {2},
  pages        = {85--107},
  year         = {2024}
}
@article{DBLP:journals/mansci/DandreaL24,
  author       = {Angelo D'andrea and
                  Nicola Limodio},
  title        = {High-Speed Internet, Financial Technology, and Banking},
  journal      = {Manag. Sci.},
  volume       = {70},
  number       = {2},
  pages        = {773--798},
  year         = {2024}
}
@article{DBLP:journals/scpe/Zhang24i,
  author       = {Tianhao Zhang},
  title        = {Research on the Application of Artificial Intelligence Technology
                  in the Banking Internet Finance Industry},
  journal      = {Scalable Comput. Pract. Exp.},
  volume       = {25},
  number       = {4},
  pages        = {2589--2595},
  year         = {2024}
}
@inproceedings{DBLP:conf/hci/WuLTL24,
  author       = {Qiu{-}Ze Wu and
                  Yu{-}Ling Lien and
                  Hsien{-}Hui Tang and
                  Michael T. Lai},
  title        = {Enhancing Customer Loyalty in Pure Internet Banking: An Analysis of
                  Experience and {NPS} Shifts Using {S-O-R} Theory},
  booktitle    = {{HCI} {(14)}},
  series       = {Lecture Notes in Computer Science},
  volume       = {14697},
  pages        = {129--148},
  publisher    = {Springer},
  year         = {2024}
}
@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}
}
@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}
}
@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}
}
@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}
}
@article{DBLP:journals/jowua/SrinadiHJ23,
  author       = {Ni Luh Putri Srinadi and
                  Dadang Hermawan and
                  Anak Agung Ngurah Adhi Jaya},
  title        = {Advancement of Banking and Financial Services Employing Artificial
                  Intelligence and the Internet of Things},
  journal      = {J. Wirel. Mob. Networks Ubiquitous Comput. Dependable Appl.},
  volume       = {14},
  number       = {1},
  pages        = {106--117},
  year         = {2023}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/centeris/HouL22,
  author       = {Avus Hou and
                  Yu Zhan Lu},
  title        = {The obstacles of Internet-only bank as an alternative banking service},
  booktitle    = {CENTERIS/ProjMAN/HCist},
  series       = {Procedia Computer Science},
  volume       = {219},
  pages        = {642--646},
  publisher    = {Elsevier},
  year         = {2022}
}
@inproceedings{DBLP:conf/tdit/AnantharamanWPP22,
  author       = {Narayanan Anantharaman and
                  Bharati Wukkadada and
                  Pranav Paranjpe and
                  Darshan Patel},
  title        = {Information Security Awareness Safety Governance Model for Senior
                  Citizens in Indian Banking Sector for Mobile and Internet Banking},
  booktitle    = {{TDIT} {(1)}},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {697},
  pages        = {330--340},
  publisher    = {Springer},
  year         = {2022}
}
@inproceedings{DBLP:conf/ttsiit/HassanHKK22,
  author       = {Mohammed Khodayer Hassan and
                  Ali Hassan and
                  Aymen Mohammed Khodayer and
                  Omer Mohammed Khodayer},
  title        = {Internet Security Impact on E-Banking Users (short paper)},
  booktitle    = {{TTSIIT}},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {3149},
  pages        = {118--123},
  publisher    = {CEUR-WS.org},
  year         = {2022}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/hci/LeoveanuSC21,
  author       = {Valentin Mihai Leoveanu and
                  Mihaela Cornelia Sandu and
                  Adela Coman},
  title        = {A Study on Influencing Factors on Internet Banking Usage During the
                  SARS-CoV-2 Pandemic in Romania},
  booktitle    = {{HCI} {(13)}},
  series       = {Lecture Notes in Computer Science},
  volume       = {12774},
  pages        = {74--86},
  publisher    = {Springer},
  year         = {2021}
}
@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    = {{ICCTA}},
  pages        = {59--65},
  publisher    = {{IEEE}},
  year         = {2021}
}
@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}},
  pages        = {280--285},
  publisher    = {{ACM}},
  year         = {2021}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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    = {{JCSSE}},
  pages        = {139--144},
  publisher    = {{IEEE}},
  year         = {2020}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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    = {{ARES}},
  pages        = {49:1--49:10},
  publisher    = {{ACM}},
  year         = {2019}
}
@inproceedings{DBLP:conf/fc/HaupertG19,
  author       = {Vincent Haupert and
                  Stephan Gabert},
  title        = {Short Paper: How to Attack {PSD2} Internet Banking},
  booktitle    = {Financial Cryptography},
  series       = {Lecture Notes in Computer Science},
  volume       = {11598},
  pages        = {234--242},
  publisher    = {Springer},
  year         = {2019}
}
@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}},
  pages        = {2034--2039},
  publisher    = {{IEEE}},
  year         = {2019}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/i3e/HedvicakovaS18,
  author       = {Martina Hedvicakov{\'{a}} and
                  Libuse Svobodova},
  title        = {The Use of Internet and Mobile Banking in the Czech Republic},
  booktitle    = {{I3E}},
  series       = {Lecture Notes in Computer Science},
  volume       = {11195},
  pages        = {376--386},
  publisher    = {Springer},
  year         = {2018}
}
@inproceedings{DBLP:conf/icetc/OluyinkaEC18,
  author       = {Solomon Ayodele Oluyinka and
                  Anatalia Narciso Endozo and
                  Rolando Reyes Calma},
  title        = {A study on the acceptance of internet banking},
  booktitle    = {{ICETC}},
  pages        = {374--378},
  publisher    = {{ACM}},
  year         = {2018}
}
@phdthesis{DBLP:phd/it/Carminati17,
  author       = {Michele Carminati},
  title        = {Internet banking fraud analysis and detection},
  school       = {Polytechnic University of Milan, Italy},
  year         = {2017}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/intersol/NdawMOS17,
  author       = {Marie Ndaw and
                  Gervais Mendy and
                  Samuel Ouya and
                  Diaraf Seck},
  title        = {Quantify the Maturity of Internet Banking Security Measures in {WAEMU}
                  (West African Economic and Monetary Union) Banks},
  booktitle    = {InterSol/CNRIA},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {204},
  pages        = {125--130},
  publisher    = {Springer},
  year         = {2017}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/iiaiaai/Chen16a,
  author       = {Chih{-}Jou Chen},
  title        = {User Adoption Decisions in Self-Service Technologies: {A} Study of
                  the Internet Banking},
  booktitle    = {{IIAI-AAI}},
  pages        = {1207--1208},
  publisher    = {{IEEE} Computer Society},
  year         = {2016}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/isdevel/AljaafrehAAC15,
  author       = {Ali Odeh Aljaafreh and
                  Ahmed Al{-}Ani and
                  Rasha Aljaafreh and
                  Daniel Chandran},
  title        = {Understanding Customer's Initial Trust in Internet Banking Services:
                  {A} Field Study in Jordan},
  booktitle    = {{ISD}},
  publisher    = {Association for Information Systems},
  year         = {2015}
}
@inproceedings{DBLP:conf/pacis/Zhu15,
  author       = {Ruilin Zhu},
  title        = {An Initial Study of Customer Internet Banking Security Awareness and
                  Behaviour in China},
  booktitle    = {{PACIS}},
  pages        = {87},
  year         = {2015}
}
@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}},
  pages        = {9},
  year         = {2015}
}
@incollection{DBLP:series/sci/GoudarziHBS15,
  author       = {Shidrokh Goudarzi and
                  Wan Haslina Hassan and
                  Mir Ali Rezazadeh Baee and
                  Seyed Ahmad Soleymani},
  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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/haisa/ButlerB14,
  author       = {Martin J. Butler and
                  Rika Butler},
  title        = {Improving internet banking security by using differentiated authentication
                  based on risk profiling},
  booktitle    = {{HAISA}},
  pages        = {137--149},
  publisher    = {University of Plymouth},
  year         = {2014}
}
@inproceedings{DBLP:conf/isdevel/AljaafrehA14,
  author       = {Ali Odeh Aljaafreh and
                  Ahmed Al{-}Ani},
  title        = {Conceptualizing Initial Trust in Internet Banking Services: {A} Pilot
                  Study},
  booktitle    = {{ISD}},
  publisher    = {Association for Information Systems},
  year         = {2014}
}
@inproceedings{DBLP:conf/pacis/AljaafrehGA14,
  author       = {Ali Odeh Aljaafreh and
                  Asif Gill and
                  Ahmed Al{-}Ani},
  title        = {Towards the Development of an initial Trust Model for the Adoption
                  of Internet Banking Services in Jordan},
  booktitle    = {{PACIS}},
  pages        = {256},
  year         = {2014}
}
@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}},
  pages        = {3},
  year         = {2014}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/africom/ChimaC13,
  author       = {Angeline Liza Ndachiphata Chima and
                  Vanwyk Khobidi Chikasanda},
  title        = {The Impact of Internet Banking on Service Quality Provided by Commercial
                  Banks},
  booktitle    = {{AFRICOMM}},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {135},
  pages        = {248--259},
  publisher    = {Springer},
  year         = {2013}
}
@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    = {{AMCIS}},
  publisher    = {Association for Information Systems},
  year         = {2013}
}
@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    = {{AMCIS}},
  publisher    = {Association for Information Systems},
  year         = {2013}
}
@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}},
  pages        = {38},
  year         = {2013}
}
@inproceedings{DBLP:conf/fc/AdhamADK13,
  author       = {Manal T. Adham and
                  Amir Azodi and
                  Yvo Desmedt and
                  Ioannis Karaolis},
  title        = {How to Attack Two-Factor Authentication Internet Banking},
  booktitle    = {Financial Cryptography},
  series       = {Lecture Notes in Computer Science},
  volume       = {7859},
  pages        = {322--328},
  publisher    = {Springer},
  year         = {2013}
}
@inproceedings{DBLP:conf/hicss/MontazemiS13,
  author       = {Ali R. Montazemi and
                  Hamed Qahri{-}Saremi},
  title        = {Factors Affecting Internet Banking Pre-usage Expectation Formation},
  booktitle    = {{HICSS}},
  pages        = {4666--4675},
  publisher    = {{IEEE} Computer Society},
  year         = {2013}
}
@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    = {{ICEBE}},
  pages        = {282--287},
  publisher    = {{IEEE} Computer Society},
  year         = {2013}
}
@inproceedings{DBLP:conf/interact/MtimkuluBD13,
  author       = {Sebabatso Mtimkulu and
                  Judy van Biljon and
                  Tobias van Dyk},
  title        = {Designing for the Functionality South African Internet Banking Websites
                  Should Provide to Address the Needs of Generation-Y Users},
  booktitle    = {{INTERACT} {(4)}},
  series       = {Lecture Notes in Computer Science},
  volume       = {8120},
  pages        = {366--383},
  publisher    = {Springer},
  year         = {2013}
}
@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},
  title        = {An empirical analysis of malicious internet banking software behavior},
  booktitle    = {{SAC}},
  pages        = {1830--1835},
  publisher    = {{ACM}},
  year         = {2013}
}
@inproceedings{DBLP:conf/whiceb/DaiZ13,
  author       = {Zhuo Dai and
                  Xiaoting Zheng},
  title        = {The Study on Factors Influencing Personal Internet Banking Customers'
                  Loyalty},
  booktitle    = {{WHICEB}},
  pages        = {7},
  publisher    = {Association for Information Systems},
  year         = {2013}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/cicsyn/SubsornL12,
  author       = {Panida Subsorn and
                  Sunsern Limwiriyakul},
  title        = {A Case Study of Internet Banking Security of Mainland Chinese Banks:
                  {A} Customer Perspective},
  booktitle    = {CICSyN},
  pages        = {189--195},
  publisher    = {{IEEE}},
  year         = {2012}
}
@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    = {{ICEBE}},
  pages        = {39--44},
  publisher    = {{IEEE} Computer Society},
  year         = {2012}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/acc/ThiyagarajanAV11,
  author       = {Thiyagarajan Paramasivan and
                  Gnanasekaran Aghila and
                  V. Prasanna Venkatesan},
  title        = {Stepping Up Internet Banking Security Using Dynamic Pattern Based
                  Image Steganography},
  booktitle    = {{ACC} {(4)}},
  series       = {Communications in Computer and Information Science},
  volume       = {193},
  pages        = {98--112},
  publisher    = {Springer},
  year         = {2011}
}
@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},
  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    = {{CENTERIS} {(2)}},
  series       = {Communications in Computer and Information Science},
  volume       = {220},
  pages        = {215--229},
  publisher    = {Springer},
  year         = {2011}
}
@inproceedings{DBLP:conf/ecis/GorbachevaNPB11,
  author       = {Elena Gorbacheva and
                  Bj{\"{o}}rn Niehaves and
                  Ralf Plattfaut and
                  J{\"{o}}rg Becker},
  title        = {Acceptance and use of internet banking: a digital divide perspective},
  booktitle    = {{ECIS}},
  pages        = {126},
  year         = {2011}
}
@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    = {{PARELEC}},
  pages        = {145--152},
  publisher    = {{IEEE} Computer Society},
  year         = {2011}
}
@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    = {{SAINT}},
  pages        = {556--561},
  publisher    = {{IEEE} Computer Society},
  year         = {2011}
}
@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    = {WorldCIS},
  pages        = {216--222},
  publisher    = {{IEEE}},
  year         = {2011}
}
@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    = {WorldCIS},
  pages        = {125--132},
  publisher    = {{IEEE}},
  year         = {2011}
}
@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},
  title        = {To develop an education system for secure internet banking: {GIBES}},
  booktitle    = {{WCIT}},
  series       = {Procedia Computer Science},
  volume       = {3},
  pages        = {1333--1340},
  publisher    = {Elsevier},
  year         = {2011}
}
@inproceedings{DBLP:journals/procedia/SaripanH11,
  author       = {Hartini Saripan and
                  Zaiton Hamin},
  title        = {The application of the digital signature law in securing internet
                  banking: Some preliminary evidence from Malaysia},
  booktitle    = {{WCIT}},
  series       = {Procedia Computer Science},
  volume       = {3},
  pages        = {248--253},
  publisher    = {Elsevier},
  year         = {2011}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/amcis/MansinghROM10,
  author       = {Gunjan Mansingh and
                  Lila Rao and
                  Kweku{-}Muata Osei{-}Bryson and
                  Annette Mills},
  title        = {Application of a Data Mining Process Model: {A} Case Study- Profiling
                  Internet Banking Users in Jamaica},
  booktitle    = {{AMCIS}},
  pages        = {439},
  publisher    = {Association for Information Systems},
  year         = {2010}
}
@inproceedings{DBLP:conf/bled/ZolletB10,
  author       = {Roman Zollet and
                  Andrea Back},
  title        = {Website Usability for Internet Banking},
  booktitle    = {Bled eConference},
  pages        = {29},
  year         = {2010}
}
@inproceedings{DBLP:conf/csreaEEE/Alsajjan10,
  author       = {Bander Alsajjan},
  title        = {Investigating Gender's Effect on Internet Banking Adoption Behavior:
                  Applying the Theory of Planned Behavior in Saudi Arabia},
  booktitle    = {{CSREA} {EEE}},
  pages        = {315--319},
  publisher    = {{CSREA} Press},
  year         = {2010}
}
@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    = {{ICEE}},
  pages        = {93--96},
  publisher    = {{IEEE} Computer Society},
  year         = {2010}
}
@inproceedings{DBLP:conf/iciso/WangP10,
  author       = {Xiaoyan Wang and
                  Sulin Pang},
  title        = {A Trust Evaluation Model of Internet Banking Customers},
  booktitle    = {{ICISO}},
  pages        = {119--124},
  publisher    = {SciTePress},
  year         = {2010}
}
@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    = {{ISSPIT}},
  pages        = {424--427},
  publisher    = {{IEEE} Computer Society},
  year         = {2010}
}
@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    = {{PACIS}},
  pages        = {146},
  publisher    = {AISeL},
  year         = {2010}
}
@incollection{DBLP:series/natosec/OzcelikD10,
  author       = {M. Hamdi {\"{O}}z{\c{c}}elik and
                  Ekrem Duman},
  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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/amcis/LiaoTHL09,
  author       = {Chechen Liao and
                  Pui{-}Lai To and
                  Tung{-}Heng Hsieh and
                  Chuang{-}Chun Liu},
  title        = {An Empirical Study of Factors Influencing the Adoption of Internet
                  Banking},
  booktitle    = {{AMCIS}},
  pages        = {753},
  publisher    = {Association for Information Systems},
  year         = {2009}
}
@inproceedings{DBLP:conf/amcis/Prado09,
  author       = {Edmir P. V. Prado},
  title        = {A Survey on the Quality of Brazilian Internet Banking Sites},
  booktitle    = {{AMCIS}},
  pages        = {39},
  publisher    = {Association for Information Systems},
  year         = {2009}
}
@inproceedings{DBLP:conf/amcis/WatiKJL09,
  author       = {Yulia Wati and
                  Chulmo Koo and
                  Jason J. Jung and
                  Dahui Li},
  title        = {An Empirical Analysis of End-User Satisfaction toward E-Banking in
                  Indonesia {(A} Comparison Model of ATMs, Internet Banking and Mobile
                  Banking)},
  booktitle    = {{AMCIS}},
  pages        = {30},
  publisher    = {Association for Information Systems},
  year         = {2009}
}
@inproceedings{DBLP:conf/csreaEEE/JalalMG09,
  author       = {Sara Faraji Jalal and
                  Md. Mahbubur Rahim and
                  Masoud Geramipour},
  title        = {Effects of Cultural Dimensions {\&} {IT} Characteristics in Adoption
                  of Internet Banking},
  booktitle    = {{CSREA} {EE}},
  pages        = {296--309},
  publisher    = {{CSREA} Press},
  year         = {2009}
}
@inproceedings{DBLP:conf/itng/TalebpourBV09,
  author       = {Alireza Talebpour and
                  Sona Bairamzadeh and
                  Seyed Sabah Vajdi},
  title        = {Extending the Technology Acceptance Model for Internet Banking: {A}
                  Case Study of Iran},
  booktitle    = {{ITNG}},
  pages        = {1637--1638},
  publisher    = {{IEEE} Computer Society},
  year         = {2009}
}
@inproceedings{DBLP:conf/mc/LudewigW09,
  author       = {Elske Ludewig and
                  Thorsten Wilhelm},
  title        = {Seniorenfreundliche Websitegestaltung am Beispiel von Online-Banking
                  und Versandapotheken im Internet},
  booktitle    = {{UP}},
  pages        = {23--27},
  publisher    = {Fraunhofer Verlag},
  year         = {2009}
}
@inproceedings{DBLP:conf/ozchi/SinghM09,
  author       = {Supriya Singh and
                  Clive Morley},
  title        = {Young Australians' privacy, security and trust in internet banking},
  booktitle    = {{OZCHI}},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {411},
  pages        = {121--128},
  publisher    = {{ACM}},
  year         = {2009}
}
@inproceedings{DBLP:conf/soli/WangJ09,
  author       = {Wenchao Wang and
                  Declan Jordan},
  title        = {The determinants of the adoption of Internet Banking by Chinese consumers},
  booktitle    = {{SOLI}},
  pages        = {760--763},
  publisher    = {{IEEE}},
  year         = {2009}
}
@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    = {{SSME}},
  pages        = {242--245},
  publisher    = {{IEEE} Computer Society},
  year         = {2009}
}
@inproceedings{DBLP:conf/vw/OchukoCN09,
  author       = {Rita E. Ochuko and
                  Andrea J. Cullen and
                  Daniel Neagu},
  title        = {Overview of Factors for Internet Banking Adoption},
  booktitle    = {{CW}},
  pages        = {163--170},
  publisher    = {{IEEE} Computer Society},
  year         = {2009}
}
@phdthesis{DBLP:phd/ethos/Johnson08a,
  author       = {Matthew J. Johnson},
  title        = {A new approach to internet banking},
  school       = {University of Cambridge, {UK}},
  year         = {2008}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/fc/EspelidNKH08,
  author       = {Yngve Espelid and
                  Lars{-}Helge Netland and
                  Andr{\'{e}} N. Klingsheim and
                  Kjell J{\o}rgen Hole},
  title        = {A Proof of Concept Attack against Norwegian Internet Banking Systems},
  booktitle    = {Financial Cryptography},
  series       = {Lecture Notes in Computer Science},
  volume       = {5143},
  pages        = {197--201},
  publisher    = {Springer},
  year         = {2008}
}
@inproceedings{DBLP:conf/isse/RonchiZ08,
  author       = {Corrado Ronchi and
                  Shukhrat Zakhidov},
  title        = {Hardened Client Platforms for Secure Internet Banking},
  booktitle    = {{ISSE}},
  pages        = {367--379},
  publisher    = {Vieweg+Teubner},
  year         = {2008}
}
@inproceedings{DBLP:conf/mcdm/OnarAT08,
  author       = {Sezi {\c{C}}evik Onar and
                  Emel Aktas and
                  Y. Ilker Topcu},
  title        = {A Multi-Criteria Evaluation of Factors Affecting Internet Banking
                  in Turkey},
  booktitle    = {{MCDM}},
  series       = {Lecture notes in economics and mathematical systems},
  volume       = {634},
  pages        = {235--246},
  publisher    = {Springer},
  year         = {2008}
}
@inproceedings{DBLP:conf/webist/YuenY08,
  author       = {Yee Yen Yuen and
                  Paul H. P. Yeow},
  title        = {User Acceptance of Internet Banking Service in Malaysia},
  booktitle    = {{WEBIST} (Selected Papers)},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {18},
  pages        = {295--306},
  publisher    = {Springer},
  year         = {2008}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/amcis/LinKSY07,
  author       = {Zhangxi Lin and
                  Weiling Ke and
                  Bingjia Shao and
                  Linhua Yang},
  title        = {Understanding Internet Banking: An Empirical Investigation of Potential
                  Customers' Acceptance in Mainland China},
  booktitle    = {{AMCIS}},
  pages        = {485},
  publisher    = {Association for Information Systems},
  year         = {2007}
}
@inproceedings{DBLP:conf/iceis/DandashWLS07,
  author       = {Osama Dandash and
                  Yiling Wang and
                  Phu Dung Le and
                  Bala Srinivasan},
  title        = {A New Group Key Management Structure for Fraudulent Internet Banking
                  Payments Detection},
  booktitle    = {{ICEIS} {(4)}},
  pages        = {57--62},
  year         = {2007}
}
@inproceedings{DBLP:conf/snpd/DandashLS07,
  author       = {Osama Dandash and
                  Phu Dung Le and
                  Bala Srinivasan},
  title        = {Security Analysis for Internet Banking Models},
  booktitle    = {{SNPD} {(3)}},
  pages        = {1141--1146},
  publisher    = {{IEEE} Computer Society},
  year         = {2007}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/IEEEares/Aggelis06,
  author       = {Vasilis Aggelis},
  title        = {Offline Internet Banking Fraud Detection},
  booktitle    = {{ARES}},
  pages        = {904--905},
  publisher    = {{IEEE} Computer Society},
  year         = {2006}
}
@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    = {{JCIS}},
  publisher    = {Atlantis Press},
  year         = {2006}
}
@inproceedings{DBLP:conf/ozchi/SinghCH06,
  author       = {Supriya Singh and
                  Anuja Cabraal and
                  Gabriele Hermansson},
  title        = {What is your husband's name?: sociological dimensions of internet
                  banking authentication},
  booktitle    = {{OZCHI}},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {206},
  pages        = {237--244},
  publisher    = {{ACM}},
  year         = {2006}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/ACMicec/SiriluckS05,
  author       = {Siriluck Rotchanakitumnuai and
                  Mark Speece},
  title        = {The impact of web-based service on switching cost: evidence from Thai
                  internet banking},
  booktitle    = {{ICEC}},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {113},
  pages        = {11--18},
  publisher    = {{ACM}},
  year         = {2005}
}
@inproceedings{DBLP:conf/acisp/McCullaghC05,
  author       = {Adrian McCullagh and
                  William J. Caelli},
  title        = {Who Goes There? Internet Banking: {A} Matter of Risk and Reward},
  booktitle    = {{ACISP}},
  series       = {Lecture Notes in Computer Science},
  volume       = {3574},
  pages        = {336--357},
  publisher    = {Springer},
  year         = {2005}
}
@inproceedings{DBLP:conf/amcis/Liao05,
  author       = {Ziqi Liao},
  title        = {Trust Building and Sustainable Internet Banking},
  booktitle    = {{AMCIS}},
  pages        = {16},
  publisher    = {Association for Information Systems},
  year         = {2005}
}
@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    = {{EEE}},
  pages        = {628--631},
  publisher    = {{IEEE} Computer Society},
  year         = {2005}
}
@inproceedings{DBLP:conf/human/LeeP05,
  author       = {Sang Jun Lee and
                  SeungBae Park},
  title        = {Mobile Password System for Enhancing Usability-Guaranteed Security
                  in Mobile Phone Banking},
  booktitle    = {Human.Society@Internet},
  series       = {Lecture Notes in Computer Science},
  volume       = {3597},
  pages        = {66--74},
  publisher    = {Springer},
  year         = {2005}
}
@inproceedings{DBLP:conf/icmb/Laukkanen05,
  author       = {Tommi Laukkanen},
  title        = {Comparing Customer Valve Creation in Internet and Mobile Banking},
  booktitle    = {{ICMB}},
  pages        = {655--658},
  publisher    = {{IEEE} Computer Society},
  year         = {2005}
}
@inproceedings{DBLP:conf/issa/Parkin05,
  author       = {Emile Parkin},
  title        = {Cryptographic Key Management principles applied in South African Internet
                  Banking},
  booktitle    = {{ISSA}},
  pages        = {1--12},
  publisher    = {ISSA, Pretoria, South Africa},
  year         = {2005}
}
@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    = {{SAINT} Workshops},
  pages        = {384--387},
  publisher    = {{IEEE} Computer Society},
  year         = {2005}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/ACMicec/KoskosasP04,
  author       = {Ioannis V. Koskosas and
                  Ray J. Paul},
  title        = {The interrelationship and effect of culture and risk communication
                  in setting internet banking security goals},
  booktitle    = {{ICEC}},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {60},
  pages        = {341--350},
  publisher    = {{ACM}},
  year         = {2004}
}
@inproceedings{DBLP:conf/cit/DubeR04,
  author       = {Durga Prasad Dube and
                  S. Ramanarayanan},
  title        = {Internet Banking - {A} Layered Approach to Security},
  booktitle    = {{CIT}},
  series       = {Lecture Notes in Computer Science},
  volume       = {3356},
  pages        = {190--197},
  publisher    = {Springer},
  year         = {2004}
}
@inproceedings{DBLP:conf/iadis/Chawla04,
  author       = {Sonal Chawla},
  title        = {Internet Banking in India: {A} Glimpse of its Adoption and Implementation
                  in India through Case Studies},
  booktitle    = {{ICWI}},
  pages        = {612--618},
  publisher    = {{IADIS}},
  year         = {2004}
}
@inproceedings{DBLP:conf/iceb/NguyenS04,
  author       = {Thanh Nguyen and
                  Mohini Singh},
  title        = {Impact of Internet Banking on Customer Satisfaction and Loyalty: {A}
                  Conceptual Model},
  booktitle    = {{ICEB}},
  pages        = {298--303},
  publisher    = {Academic Publishers/World Publishing Corporation},
  year         = {2004}
}
@inproceedings{DBLP:conf/pacis/LiaoW04,
  author       = {Ziqi Liao and
                  Wing{-}Keung Wong},
  title        = {An Empirical Assessment of Internet Banking Systems},
  booktitle    = {{PACIS}},
  pages        = {100},
  publisher    = {AISeL},
  year         = {2004}
}
@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    = {{PACIS}},
  pages        = {4},
  publisher    = {AISeL},
  year         = {2004}
}
@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}
}
@phdthesis{DBLP:phd/dnb/Schepers03,
  author       = {Volker Schepers},
  title        = {Internet-Banking und sparkassenrechtliches Regionalprinzip},
  school       = {University of M{\"{u}}nster, Germany},
  year         = {2003}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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}
}
@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    = {{AMCIS}},
  pages        = {20},
  publisher    = {Association for Information Systems},
  year         = {2003}
}
@inproceedings{DBLP:conf/chinz/RattanawichaETG03,
  author       = {Pimmanee Rattanawicha and
                  Vatcharaporn Esichaikul and
                  Chatpong Tangmanee and
                  Eralp G{\"{u}}llep},
  title        = {Customer trust in internet banking systems: an empirical study of
                  Thailand},
  booktitle    = {{CHINZ}},
  pages        = {27--32},
  publisher    = {{ACM}},
  year         = {2003}
}
@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    = {{ICWI}},
  pages        = {1163--1166},
  publisher    = {{IADIS}},
  year         = {2003}
}
@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},
  title        = {Essential Use Cases in the Design of Multi-channel Service Offerings
                  - {A} Study of Internet Banking},
  booktitle    = {{ICWE}},
  series       = {Lecture Notes in Computer Science},
  volume       = {2722},
  pages        = {468--471},
  publisher    = {Springer},
  year         = {2003}
}
@inproceedings{DBLP:conf/oopsla/CoetzeeW03,
  author       = {Vincent Coetzee and
                  Robert J. Walker},
  title        = {Experiences using an {ODBMS} for a high-volume internet banking system},
  booktitle    = {{OOPSLA} Companion},
  pages        = {334--338},
  publisher    = {{ACM}},
  year         = {2003}
}
@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}
}
@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}
}
@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}
}
@inproceedings{DBLP:conf/hicss/ChungP02,
  author       = {Winnie Chung and
                  John Paynter},
  title        = {An Evaluation of Internet Banking in New Zealand},
  booktitle    = {{HICSS}},
  pages        = {185},
  publisher    = {{IEEE} Computer Society},
  year         = {2002}
}
@inproceedings{DBLP:conf/hicss/SciglimpagliaE02,
  author       = {Don Sciglimpaglia and
                  David Ely},
  title        = {Internet Banking: {A} Customer-Centric Perspective},
  booktitle    = {{HICSS}},
  pages        = {186},
  publisher    = {{IEEE} Computer Society},
  year         = {2002}
}
@inproceedings{DBLP:conf/ic/WoodhamsJ02,
  author       = {Esther Woodhams and
                  Mervyn A. Jack},
  title        = {The Effect on Locus of Control of Webguides and Chatbots in Online
                  Banking},
  booktitle    = {International Conference on Internet Computing},
  pages        = {740--743},
  publisher    = {{CSREA} Press},
  year         = {2002}
}
@inproceedings{DBLP:conf/ifip8-4/HengP02,
  author       = {Michael S. H. Heng and
                  Steve C. A. Peters},
  title        = {The Internet and an Opportunity to Re-invent the Banking System},
  booktitle    = {E-Business: Multidisciplinary Research and Practice},
  series       = {{IFIP} Conference Proceedings},
  volume       = {252},
  pages        = {21--34},
  publisher    = {Kluwer},
  year         = {2002}
}
@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}
}
@inproceedings{DBLP:conf/icsm/Goeschl01,
  author       = {Siegfried G{\"{o}}schl},
  title        = {{SDS} Internet Banking},
  booktitle    = {{ICSM}},
  pages        = {104},
  publisher    = {{IEEE} Computer Society},
  year         = {2001}
}
@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}
}
@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}
}
@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}
}
@article{DBLP:journals/jais/CarterSN00,
  author       = {Richard B. Carter and
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