The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secon...The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.展开更多
Software reverse engineering is the process of analyzing a software system to extract the design and implementation details.Reverse engineering provides the source code of an application,the insight view of the archit...Software reverse engineering is the process of analyzing a software system to extract the design and implementation details.Reverse engineering provides the source code of an application,the insight view of the architecture and the third-party dependencies.From a security perspective,it is mostly used for finding vulnerabilities and attacking or cracking an application.The process is carried out either by obtaining the code in plaintext or reading it through the binaries or mnemonics.Nowadays,reverse engineering is widely used for mobile applications and is considered a security risk.The Open Web Application Security Project(OWASP),a leading security research forum,has included reverse engineering in its top 10 list of mobile application vulnerabilities.Mobile applications are used in many sectors,e.g.,banking,education,health.In particular,the banking applications are critical in terms of security as they are used for financial transactions.A security breach of such applications can result in huge financial losses for the customers as well as the banks.There exist various tools for reverse engineering of mobile applications,however,they have deficiencies,e.g.,complex configurations,lack of detailed analysis reports.In this research work,we perform an analysis of the available tools for reverse engineering of mobile applications.Our dataset consists of the mobile banking applications of the banks providing services in Pakistan.Our results indicate that none of the existing tools can carry out the complete reverse engineering process as a standalone tool.In addition,we observe significant differences in terms of the execution time and the number of files generated by each tool for the same file.展开更多
Banks have moved towards technology-based customer services such as mobile banking （m-banking）; as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper cus...Banks have moved towards technology-based customer services such as mobile banking （m-banking）; as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper customers＇ adoption in Egypt. Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the form of 350 structured questionnaires to identify the main barriers towards m-banking. Then, decision makers in 5 different public and private banks are interviewed in order to find similarities and difference, and identify service providers＇ roles regarding these barricrs. Questionnaire data was statistically analysed using independent T-Test, Chi-squares, frequencies and cross tabulations, while interview data was interpretively analysed. Results enabled the researchers to identify the risk, usage, and tradition as the most m-banking barriers that discourage m-banking adoption in Egypt as seen by the two main players.展开更多
In the digital era, the mobile-empowered customers have new power in the palms of their hands, which means that their shoppingand buying behaviors are being totally transformed by the ability to buy anything at any ti...In the digital era, the mobile-empowered customers have new power in the palms of their hands, which means that their shoppingand buying behaviors are being totally transformed by the ability to buy anything at any time from any place. Bank account is the base camp ofmoney in economic activity, therefore who wins the mobile terminal who embraces bank accounts, who embraces bank accounts who achievesthe world, for the winner can master customer resource and business foundation. This passage focuses on the issue that how to create bankaccounts on mobile terminal for mobile banking industry in the digital era, introduced the developing background of mobile banking industry,analyzed the main challenges mobile banking industry faces, and finally concluded a workable mobile terminal-bank account problem solvingmodel from strategy level, technical level and marketing level.展开更多
In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a ca...In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a cashless society. In fact, cashless transactions through simple mobile apps are not merely a concept anymore rather are implemented robustly and being used extensively. On the dark side, obvious financial benefits are making these apps vulnerable to being attacked, which can be successful through security breaches. These cybersecurity issues need to be traced out and resolved to make the financial transactions through an app secure and trustworthy. In this paper, several related papers are analyzed to trace out possible cybersecurity issues in the domain of Electronic Transaction System. The objective is to establish sufficient theoretical background to propose methodologies for measuring security issues and also identify the security strength of any FinTech application and provide standard security metrics.展开更多
文摘The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.
基金The authors acknowledge the support of Security Testing-Innovative Secured Systems Lab(ISSL)established at University of Engineering&Technology,Peshawar,Pakistan under the Higher Education Commission initiative of National Center for Cyber Security(Grant No.2(1078)/HEC/M&E/2018/707).
文摘Software reverse engineering is the process of analyzing a software system to extract the design and implementation details.Reverse engineering provides the source code of an application,the insight view of the architecture and the third-party dependencies.From a security perspective,it is mostly used for finding vulnerabilities and attacking or cracking an application.The process is carried out either by obtaining the code in plaintext or reading it through the binaries or mnemonics.Nowadays,reverse engineering is widely used for mobile applications and is considered a security risk.The Open Web Application Security Project(OWASP),a leading security research forum,has included reverse engineering in its top 10 list of mobile application vulnerabilities.Mobile applications are used in many sectors,e.g.,banking,education,health.In particular,the banking applications are critical in terms of security as they are used for financial transactions.A security breach of such applications can result in huge financial losses for the customers as well as the banks.There exist various tools for reverse engineering of mobile applications,however,they have deficiencies,e.g.,complex configurations,lack of detailed analysis reports.In this research work,we perform an analysis of the available tools for reverse engineering of mobile applications.Our dataset consists of the mobile banking applications of the banks providing services in Pakistan.Our results indicate that none of the existing tools can carry out the complete reverse engineering process as a standalone tool.In addition,we observe significant differences in terms of the execution time and the number of files generated by each tool for the same file.
文摘Banks have moved towards technology-based customer services such as mobile banking （m-banking）; as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper customers＇ adoption in Egypt. Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the form of 350 structured questionnaires to identify the main barriers towards m-banking. Then, decision makers in 5 different public and private banks are interviewed in order to find similarities and difference, and identify service providers＇ roles regarding these barricrs. Questionnaire data was statistically analysed using independent T-Test, Chi-squares, frequencies and cross tabulations, while interview data was interpretively analysed. Results enabled the researchers to identify the risk, usage, and tradition as the most m-banking barriers that discourage m-banking adoption in Egypt as seen by the two main players.
文摘In the digital era, the mobile-empowered customers have new power in the palms of their hands, which means that their shoppingand buying behaviors are being totally transformed by the ability to buy anything at any time from any place. Bank account is the base camp ofmoney in economic activity, therefore who wins the mobile terminal who embraces bank accounts, who embraces bank accounts who achievesthe world, for the winner can master customer resource and business foundation. This passage focuses on the issue that how to create bankaccounts on mobile terminal for mobile banking industry in the digital era, introduced the developing background of mobile banking industry,analyzed the main challenges mobile banking industry faces, and finally concluded a workable mobile terminal-bank account problem solvingmodel from strategy level, technical level and marketing level.
文摘In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a cashless society. In fact, cashless transactions through simple mobile apps are not merely a concept anymore rather are implemented robustly and being used extensively. On the dark side, obvious financial benefits are making these apps vulnerable to being attacked, which can be successful through security breaches. These cybersecurity issues need to be traced out and resolved to make the financial transactions through an app secure and trustworthy. In this paper, several related papers are analyzed to trace out possible cybersecurity issues in the domain of Electronic Transaction System. The objective is to establish sufficient theoretical background to propose methodologies for measuring security issues and also identify the security strength of any FinTech application and provide standard security metrics.
