Notification: Our email services are now fully restored after a brief, temporary outage caused by a denial-of-service (DoS) attack. If you sent an email on Dec 6 and haven't received a response, please resend your email.
CFP last date
20 December 2024
Reseach Article

The Assessment of Concerns, Opinions and Perceptions of Bank Customers to find the Significant Metrics for Deployment of Biometrics in E-Banking

by Munish Sabharwal
International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 140 - Number 5
Year of Publication: 2016
Authors: Munish Sabharwal
10.5120/ijca2016909301

Munish Sabharwal . The Assessment of Concerns, Opinions and Perceptions of Bank Customers to find the Significant Metrics for Deployment of Biometrics in E-Banking. International Journal of Computer Applications. 140, 5 ( April 2016), 28-41. DOI=10.5120/ijca2016909301

@article{ 10.5120/ijca2016909301,
author = { Munish Sabharwal },
title = { The Assessment of Concerns, Opinions and Perceptions of Bank Customers to find the Significant Metrics for Deployment of Biometrics in E-Banking },
journal = { International Journal of Computer Applications },
issue_date = { April 2016 },
volume = { 140 },
number = { 5 },
month = { April },
year = { 2016 },
issn = { 0975-8887 },
pages = { 28-41 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume140/number5/24592-2016909301/ },
doi = { 10.5120/ijca2016909301 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2024-02-06T23:41:30.583377+05:30
%A Munish Sabharwal
%T The Assessment of Concerns, Opinions and Perceptions of Bank Customers to find the Significant Metrics for Deployment of Biometrics in E-Banking
%J International Journal of Computer Applications
%@ 0975-8887
%V 140
%N 5
%P 28-41
%D 2016
%I Foundation of Computer Science (FCS), NY, USA
Abstract

The research work was conducted with the objective to find the significant metrics for biometrics deployment in e-banking through an assessment of the concerns, opinions and perceptions of bank customers regarding the implementation of biometrics in e-banking. This paper is pursued by collecting information through survey of customers the branches of scheduled banks from the area of research chosen by researcher.The researcher has used probability stratified sampling and scheduled banks categorized by RBI have been divided into groups referred to as strata on the basis of the total turnover, then the banks are selected from the various groups using random sampling and finally a branch of the selected bank with the one of highest turnover is randomly selected and the customers of the branch are chosen using non-probability convenience sampling.The study suggests that the overall significant metrics for the deployment of Biometric technology in E-Banking with the bank customer’s perspective areReliability, Performance, Circumvention Resistance, Ergonomics, Minimum User Participation, Privacy Issues, Health Concerns, Data Security and Trust.

References
  1. Stanley, P., Jeberson, W., & Klinsega, V.V, “International Conference on Biometric Authentication: A Trustworthy Technology for Improved Authentication, in Future Network”, 2009, pp. 171 – 175
  2. Boatwright, M, & Luo, X., “What do we know about biometrics authentication?, In Proceedings of the 4th Annual Conference on information Security Curriculum Development”, InfoSecCD '07, 2007ACM, New York, pp. 1-5.
  3. Dwivedi, A., Bali, R.K., Belsis, M.A., Naguib, R.N.G., Every, P., & Nassar, N.S., “4th International IEEE EMBS Special Topic Conference on Towards a practical healthcare information security model for healthcare institutions, Information Technology Applications in Biomedicine”, 2003 pp. 114-117.
  4. Chandra, A, & Calderon, T., “Challenges and constraints to the diffusion of biometrics in information systems”, Communication of ACM (ISSN•0001-0782) , Vol. 48, No. 12, 2005 pp. 101-106.
  5. Woodward, J.D., 1997, “Biometrics: Privacy's foe or Privacy's friend”, Proceedings of the IEEE, Vol.85, No.9, pp. 1480-1492
  6. Wayne Penny, “Biometrics: A Double Edged Sword - Security and Privacy”, SANS Institute, 2002
  7. Salil Prabhakar, Sharath Pankanti and Anil K. Jain, “Biometric Recognition: Security and Privacy Concerns”, THE IEEE COMPUTER SOCIETY, 1540-7993, 2003 pp.33-42
  8. Chandra, A, & Calderon, T., 2005, “Challenges and constraints to the diffusion of biometrics in information systems”, Communication of ACM (ISSN • 0001-0782), Vol. 48, No.12, pp. 101-106
  9. Elliott, S.J., Massie, S.A., & Sutton, M.J., “The Perception of Biometric Technology: A Survey, Automatic Identification Advanced Technologies”, IEEE Workshop 2007vol., no., pp. 259-264.
  10. Furnell, S.; and Evangelatos, K., “Public awareness and perceptions of biometrics”, Computer Fraud & Security (ISSN: 1361-3723 Elsevier) Vol. 2007, No. 1, 2007 pp. 8-13.
  11. Michael Breward, PhD Thesis, “Factors Influencing Consumer Attitudes Towards Iometric Identity Authentication Technology Within The Canadian Banking Industry”, School of Graduate Studies, McMaster University
  12. Antonio Pooe and Les Labuschagne, “Investigating The Factors Impacting The Adoption Of Biometric Technology By South African Banks”, University of Johannesburg, 2010
  13. A. Pooe (PhD student at the University of South Africa) & L. Labuschagne (Director of the School of Computing, University of South Africa), “Factors impacting on the adoption of biometric technology by South African banks: An empirical investigation”, Southern African Business Review (ISSN: 1998-8125) ,Volume 15 Number 1 2011 pp. 119
  14. Seyyede Samine Hosseini and Dr. Shahriar Mohammadi, “Acceptance of Banking on Biometric in Iran’s Banking SystemCase Study of Saman Bank”, , Journal of Basic and Applied Scientific Research, ISSN 2090-4304, 2(12), 2012 pp. 12744-12751
  15. Dhurgham T. Ahmad and Mohammad Hariri, “User Acceptance of Biometrics in E-banking to improve Security”, Business Management DynamicsISSN: 2047-7031, Vol.2, No.1,Jul2012, pp.01-04
  16. Sookeun Byun , Sang-Eun Byun, “Exploring perceptions toward biometric technology in service encounters: a comparison of current users and potential adopters”, Behaviour & Information Technology, Vol. 32, Iss. 3, 2013
  17. Adewale Adeyinka A., Ibidunni Ayodotun S., Badejo Joke, Odu Tiwalade and Adoghe Anthony U. , “Biometric Enabled E-Banking in Nigeria: Management and Customers’ Perspectives”, Information and Knowledge Management” ,ISSN 2224-5758 (Paper) ISSN 2224-896X (Online) Vol.4, No.11, 2014 pp. 23-38
  18. Reserve Bank of India, “A Profile of Banks 2010-11”, Mumbai: Director, Division of Reports and Knowledge Dissemination, Department of Economic and Policy Research, Reserve Bank of India (2011) pp 5-89
  19. Reserve Bank of India, “A Profile of Banks 2010-11”, Mumbai :Director, Division of Reports and Knowledge Dissemination, Department of Economic and Policy Research, Reserve Bank of India (2011) pp 5-89
Index Terms

Computer Science
Information Sciences

Keywords

Biometric Technologies Biometrics Deployment Bank Customer Perception E-Banking Significant Metrics for Biometrics Implementation