Biblio

Outsourcing services to cloud server (CS) becomes popular in these years. However, the outsourced services often involve with sensitive activity and CS naturally becomes a target of varieties of attacks. Even worse, CS itself can misuse the outsourced services for illegal profit. Traditional online banking system also can make use of a cloud framework to provide economical and high-speed online services to the consumers, which makes the financial dealing easy and convenient. Most of the banking organizations provide services through passbook, ATM, mobile banking, electronic banking (e-banking) etc. Among these, the e-banking and mobile banking are more convenient and becomes essential. Therefore, it is critical to provide an efficient, reliable and more importantly, secure e-banking services to the consumers. The cloud environment is suitable paradigm to a new, small and medium scale banking organization as it eliminates the requirement for them to start with small resources and increase gradually as the service demand rises. However, security is one of the main concerns since it deals with many sensitive data of the valuable customers. In addition to this, the access of various data needs to be restricted to prevent any unauthorized transaction. Nagaraju et al. presented a framework to achieve reliability and security in public cloud based online banking using multi-factor authentication concept. Unfortunately, the login and authentication protocol of this framework is prone to impersonation attack. In this paper, we have revised the framework to avoid this attack.

South Africa's lead-users predilections to tinker and innovate mobile banking services is driven by various constructs. Advanced technologies have made mobile banking services easy to use, attractive and beneficial. While this is welcome news to many, there are concerns that when lead-users tinker with these services, information security risks are exacerbated. The aim of this article is to present an insightful understanding of the demand-side predilections of South Africa's lead-users in such contexts. We assimilate the theories of Usage Control, (UCON), the Theory of Technology Acceptance Model (TAM), and the Theory of Perceived Risk (TPP) to explain predilections over technology. We demonstrate that constructs derived from these theories can explain the general demand-side predilection to tinker with mobile banking services. A quantitative approach was used to test this. From a sample of South African banking lead-users operating in Gauteng province of South Africa, data was collected and analysed with the help of a software package. We found unexpectedly that, lead-users predilections to tinker with mobile banking services was inhibited by perceived risk. Moreover, male lead-users were more domineering in the tinkering process than female lead-users. The implication for this is discussed and explained in the main body of work.