“Implication of e-business security regulation to approve consumer satisfaction at the banking unit, Australia (with special reference to commonwealth bank)”
The core effort of the research is to discover and elevate the assessment of the inspiration of e banking to streamline the accomplishments of the regulars. This research exploration will upkeep to consider the contemporary styles of the dealings cossetted in the computerized presentation and impact of the viable conveniences interconnected to the transport network of the “Banking activities”. It is generally prearranged by the business administrations that contract with the investment divisions. Mann & Sahni, (2010) professed that by the task of this examination; the banks might be accomplished to block up the interruptions of communication strategies in an additional flexible elegance and holdup the status of tranquility and the persuasion. It will profit the well-arranged unit to expand their methods that would motivate and appeal to new customers on the way to the relationship by possessions of the trend of security management. The threatened actions are the devices of the physical legacy of the services set by the profitable establishments.
Framework consistent with the title and justification
The primary drive of this examination interprets to recognize the special effects along with monitoring of the networking arrangement of banking which authorizes assurance and conviction within the consumers that comforts to brand their valuations of e commercial dealings. The investigator expresses the positivism impression of research lookout above and beyond deductive procedures of attitude of the investigation to perform the study of Research. The investigator intends to constitute the primary as well as secondary foundations of statistics in organized manner for the inspection. The researcher aims to accrue the subordinate evidence from suitable books, objects of periodicals on top of the diverse websites and Facebook in conjunction with Linked In plus You Tube. Equally, the investigator determines to choose 3 marketing executives besides 55 clienteles of “Commonwealth Bank “of Australia to bring together the mandatory primary evidences done with qualitative plus computable proceedings. After accumulating those particulars, the investigator targets to examine those statistics and develop them in the direction of a constructive analysis.
The regulars plus the administrators exclusively appears to expect that the operative media positions as a substantial appliance other than convincing stage for the specific groundwork to enthrall the cognizance of the consumers and reassure them on the way to regaining the assessment of “e-banking”. In keeping with the view of persuasive managers, the institute devises an appropriate strategy to enlarge their prevailing commercial tactic over and done with assorted performances (Abeka, 2013). In their valuation, the accessible returns of “e- business” demonstrate to be noticeably in power to promote the sensitivity amongst the patrons concerning to payment approaches in addition to time saving. It decides to deepen the anticipation level and authorization of the clienteles heading towards “internet security”. Lately, the examiner aims to assess the responses of review and consultations of customers and policymaking managers to study and realize the approaches and structures of the security procedure of the system of “e-banking”. The technical exhibitions and the innovative events may alienate the pressures to preserve the purchaser expectancy and persuasion (Barich, 2012).
The Commonwealth international Banking organization pinnacles the assorted sphere of the running missions representing the globalized observations of indomitable landscapes. “Commonwealth Bank” develops its well-made divisions in unique outlying areas of Australia as well as New Zealand alongside the regions of UK as well as Asian complements with the categorical stretches of United States and the rest The managerial performance surpasses the extensive process of measures encompassing retail segment, prearranged professions of investment plus stock services, administration of withdrawal systems, insurance facilities, besides broking amenities within subsequent communal service sector of assets and shares etc. (Commbank.com.au, 2017). It places as an exceptional institution that is enumerated with the structures of securities transaction of Australian trademarks analogous to “Bank west otherwise ASB bank, accompanied by Commonwealth Securities, plus Commonwealth Insurance Business and the rest. The association was produced at 1911, through the constructive determinations of the Administration. The Constitutional action denationalized its position in the period of 1996. The explanation of statistical indications displays the production of proceeds which excels to A$23.668 billion dependable on the presented particulars of 2015. The subsequent returns represented the uprising of values up to A$9.063 billion. The entirety of workforces exposes basically 45,948 in accordance with the standing of the chronicles of 2015 (www.smh.com.au, 2017).
Values of E Business plus Net –Banking
The Banking facilities aid the patrons in countless ways to brand direct interaction to run into their target clienteles. Finance & why (2015) assessed that the investment services prompts the regulars to identify as regards the characteristics, excellence and the events of the methods rendered to please the clienteles. This allows the regulars in creating their resolution to select the accurate preference of availing the way out. The customer commitment benefits the association to predict on the subject of the awareness of the possessions of profitable business dealing approaches to relate the patrons with the entity. The regulars possibly will require encouraging outlooks headed for the interacting amenities that shape operative and programmed resource structure (Biafore, 2012). This motivates the consumers to ensure proper stand to interchange the data to have the right to use their financial records. The safeguarded dealings empower the regulars to have trust on the institute for their approved and acceptable communications.
Customer interests
The clienteles may access the requisite honor of the evidence linked to the monetary matters as well as avail the ease and handiness features of the automated courses and the amenities that are moderately applicable to the community. The movement of the dealings agrees with the well-organized plans of communication on the way to achieve the appropriate actions of the internet facilities through the quantified networks of the operational developments. There stands hardware expedients that work on precise operating classification and software precisely designed to come across the hassles of the specific group (Bagley & Dauchy, 2012).
Bestowing to the views of Biafore (2012), it can be stated that the Bank is largely measured as the most substantial commercial entity that undertakes the regulatory operations by way of secured treatment of the undisclosed evidence and the records of the facts that are warehoused within the folder and may be retrieved at some time at particular place wherever there remains the competence of the provision. The different subdivisions have the discrete codes accompanied by the individual code of operator of the itemized bank. Bill compensation is a facility obtainable over and done with internet investment that licenses the patrons to fix their activities rendering to their preparation. They need to handle the mechanism of procurement and vending securities to “check balance” besides share market frameworks, exchange rates, cash transfer and the like. The major advantage is the examination of interest charges and they remain free to gain the access of selections of e-banking events (Barich, 2012).
The regulars may avail the chances to reconnoiter the facilities to accomplish the happenings that are succeeded by the electronic dispensation of the documents to assist the persuasive upshot. It stands as the most challenging state of affairs of the clients who never desire to be bodily present at the commercial foundation, avail the functioning procedures, plus wait at the line of the publics who enthusiastically pause for their chance to be named by the corresponding employees of the commercial entity (Yu, 2014). The traveling charge as well as the time stands as the significant issue in the eventful life of the contemporary domain. The technocratic awareness of the persons turns with the stride of time plus the progression of scientific approaches of the numerous actions. The main and competent scheme accomplishes the movement and communication over and done with the websites which may be availed to experience the obligatory distribution of the facilities.
The aspects of discretion advance and tie the operative communication amongst the regulars and the funding divisions that need not be intermittent with the encouragement of other societies .As dogged by the celebrated economists, the approved admittance for the consumers is not allowed by the investment sector (Abeka, 2013). The preparedness of statistics delivers the required evidence in the direction of the patrons from the finance industry wherever honesty and accuracy contract with the discussion of the documents. The data reliability and functionality aid to provide certain explanations for the clienteles that the matters are not disturbed in the dominion of the investment sector. The interference of the third individual elucidates the materials of feeling indiscreet if there occurs to be theft of the official papers or the Locking of secret code or illegal approaches of operating the hacking contrivance. There are many illegal resources to debase the movements of the course of functioning through the facts of internet knowledge.
Technological influences
The lending organization exists as the actual establishment that hold a hard foundation of the association with the clienteles and uphold the financial and communal standards done with interactive message to complete the responsibilities The automated provision of the financial websites benefit and afford suitable facility to the entities through the arrangement of the structure of high-tech innovation and exclusive outline of the plan of the tasks of the financial group. The numerous drives are resolved in line with the landscape of the actions over the data handling procedure and instruction of the dealings through the system of the routine application of the premeditated organization of software (Huang et al. 2013).
The IT councils of the group associated in the supervision of the protected data plus information that involves to be preserved and placed in order with the supported stock desires to comprehend the contemporary scenario besides the endorsement of the panel of executives that copies the preparation of the cluster therefore in a financial association (Mann & Sahni, 2010) There need to be appropriate steadiness of judgments and achievements to circulate the understandings in the middle of the diverse personnel and the workforces of the organization for the supportive events and the appropriate development. There requires the assertion of all the precarious plans related to evidence of safety dealings with the managing of the hazards related to the project actions and the supremacy of the risk valuation to device the agenda to assess the definite process of working (Twum & Ahenkora, 2012).
Figure: E Commerce Ideologies
(Source: Lee et al. 2014)
Social consequences
The foremost problem for this precise research exists in the dimension of the efficacy of the innocuous procedure of the security and preservation of the compulsory data as well as information in e finance services. The users come to recognize about the substantial practices of internet, the possessions of the accessible amenities and the interfaces between the clients and the institute. It aids to upsurge the conviction of the regulars. The Investment group has operative resources of communication methodology and confident presentation to maintain the budding clients and the robust strategies of truthfulness and privacy with protected planning of protecting the individual passwords of the publics involved with the entity. “Commonwealth Bank” requires improving the plans of the operational dealings and the security of the encoded data in the processor’s storage system (Finance & why, 2015).
The focal persistence of this examination is to treasure out and know the influences of e banking to expedite the effort of the patrons. This investigation study may resolve and support to estimate the contemporary procedures of the practices engaged in the high-tech presentation and consequence of the commercial facilities allied to the relations of the Funding performances. It usually remains applied by the professional establishments that contract with the financial transactions of the functional zones Mann & Sahni (2010) experimented that by the actions of this investigation, the banks may drive to be competent to replenish the gaps of interactive relations with suitable forms of transactional strategies in a further flexible method and maintain the gratification and the belief. It would lead to motivation and inspiration to benefit the practical division to develop their approaches that would interest more clients en route for the institute through supervision of security. The endangered measures stand as the appliances of the substantial endowment of the amenities focused by the regulatory customs.
Cyber security
The safety connected to e-banking remains very vigorous to uphold the transaction events in harmless and actual demeanors of management communications. The safeties in e-banking deliver suitable defense to the patrons from the dangers of the outside and interior concerns of the risk that position to be grave intimidations. Barich (2012) portrays that there remain vital details to be fairly challenging from the share of the clienteles who are complex with the numerous gears of the organization comparable to the payments and removal of financial communications and monetary bonds, dividends etc. The economic data as well as the additional kinds of evidence for instance, communal and individual substances must be reserved as undisclosed and continued to offer the genuineness and privacy.
Biafore (2012) recommended an operator centric method in production with the scheme that reproduces the cooperative effect of the persons who design the working policies of the movement of the evidence actions through noteworthy boulevards of interactive shapes to satisfy the actual theme and objective of the customers. The institution of the reservation of the operators and suitable apportionment of the possessions advocate the economic evidence of the institute concomitant with the subcontracting of the records and lawful information. The personnel with unalike backgrounds or dissimilar periods of the predictable morals of movements attempt to position the significances with a particular purpose to undertake the supervision of objectives and criterions.
The social as well as the “website hacking” plus handling the imperative and dynamic information are utilized in organized way to get-out and show tricks smartly to create problem so as to increase the obligatory evidence that are typically wanted to save it as per an intimate process. The financial circumstances are worsening with the gratitude of malevolent software that are hurting and heartening the other pressures for the e-investment interests (Hill & Power, 2012). The attackers are currently guiding the end operators of the individual processors as the persons have the feeblest link inside the banking system. It is executed by buried events of unrelated conducts such as “key-logger and phishing otherwise the outbreaks of Trojan horse”.
Types of probable cyber threats
In the presentation threat, the impostor gives the impression as a handler of the operational banking performance to carry out the dishonest actions. The harmless and safekeeping technique such as substitute servers, “firewalls”, system strainers etc. cannot defend the investment group from the terrorizations founded on the exhibition. Conversely, Yu (2014) specified that the linkage based extortions like impulsive outbreaks of the sites, hacking of the places with the eruption of the “viruses and worms or denial-of-service violence of the chief system as well as the setup of the group.
The firewall besides other secondary software that identifies the outbreak plus bounces cautionary measures to the manipulators of the procedure can straightforwardly categorize the coercions. The terrorizations of e banking may waste, terminate, and amend the evidence of the patrons and the possessions of the systems. The extortions in the e-business in the finance sector may arise from the part of the “server of business groups or commencing from the clienteles of the group. This may crop countless damage and cost the comprehensive functioning of system software or communication faults instigated by human interference. The most up-to-date banking intimidations remain with the arrack of Phishing and Spyware plus Adware. There are subsequent patterns of threatening actions of Viruses with Trojans as well as Key loggers (Singh & Srivastava, 2014). The Phishing stands as a sort of diverse kind of fraud where the impostors attempt to seek the private information by means of misrepresentative and hoax correspondences demanding to be possessed by the commercial foundation. This development of distressing the community lingers to be favored by a stimulated team of the accessible raids.
There remain exposures with the functioning methodologies within the mobile link as well as it is cultured that a number of subtle and secreted files of Bank are warehoused within the “apps of smarter handsets”. The transportable malware posed to stand as a substantial risk lengthways with the credit of Zeus outbreaks. The mobile operators need to be cautious in operative dealings with the roles of investment processes besides transactions over and done with the accessible scheme of mobile equipment (Ghapanchi et al. 2014). The common media counting the twitter in addition to Facebook has momentous actions that involve the appearance of the diverse software which are moderately operative in impairing the networking gears. The vigorous personal data gets dispersed within the communal cycle by means of the procedures which are associated with the principal system of sites crossways through the world. The globalization of the commercial Establishment has fashioned outstanding foundations for the obstruction of outflow of facts that become effortlessly spread amid the communal setup which may stand as treacherous threats (Lee et al. 2014). Zeus is expansively employed by the unlawful activities of the cultures that are engaged to harvest damaging effects to source thoughtful impairment to the banks as well as inactivate the occupied designs with substantial loses. The monetary complications are significantly ensued at the banks by the cruel performances of the entities that are fairly applied to harm the entire technique of the operational policies of the financial institute. There are systems analysts and software programmers who are emerging with the programs founded on the virus-related actions to block the conflicts within the interior working situation and act rigorously with the operational business resolutions to facilitate the customers who favor to practice the system of net-banking. The ACH scam is correspondingly a severe action of illegal offence establishing commercial account instabilities that has augmented over the centuries. The bank in addition to the customers both is liable for the damage of financial records (Biafore, 2012). The intermediate person besides the browsers indulged in the procedure, commonly recognized as the “MitB outbreaks” are imposed to source serious intimidations to the financial records of the clients since the criminals are persuaded to ensure large sum of accounts to deal and produce loss to the patrons.
Research Aim
The aim of the research lies in the examination of the implication of e-business security while controlling the internet financial transactions in approving consumer assertion in “Commonwealth Bank”. It enables to ought to confirm a comprehensive view of the consequence of the security procedures essential to run the dealing measures over and done with online facilities of the Banking organization which devises its subdivisions to transact with resource of the product in tangible terms (Twum & Ahenkora, 2012). The e- commercial resolutions to content the clienteles have a fairly significant and extensive influence to reassure the buoyancy of the trustworthiness headed for the Bank that benefits the individuals to preserve the private statistics of the publics who are linked to the well-designed entity. The researcher challenges to recognize the position of the networking confidence and its genuine perseverance to obligate precise acquaintance of the facts to accomplish the enquiry.
Research Objectives
Research Questions
Different standpoints of Research Values
The research outlook permits the investigator to take on the exploration driver by passing on the vital actualities. There stand three landscapes of research philosophy which symbolize the different settings of examination. These are labeled as “Positivism lengthways with Realism as well as Phenomenolism”. The Positivism perception fixes the researcher to examine the composed facts concentrated on the relation factors regarding two miscellaneous set of positions of the confirmation (Bryman & Bell, 2011). Realism procedure of estimation enables the inspector to justify the facts as long as realistic amplification of the aptitude authenticates the real substance needed by the ethical understanding of the surveyor. In distinction, the attitude of phenomenolism viewpoint interests the researcher to review the sincere modification between the different events of performance accepted by the people in describing the reliable roles (Cooper & Schindler, 2010).
Explanation for choosing Positivism Value:
The researcher has carefully chosen Positivism basis of assertiveness to achieve this precise outcome of examination. It enabled the assessor to interconnect with the stable views. The researcher can meet the appreciative facts that help to validate the method of the participation of the surveyor. This kind of research philosophy can inspire and encourage the analysis to identify systematically and discover the statistics of information effortlessly. It licenses the investigator to practice the appropriate research approaches that support the real-world and regarded means and possessions. It backs in simplifying and prompting the quantitative exploration.
Procedures of Research Method:
The examination in general preparation involves two varieties of method. It encompasses Deductive in addition to Inductive means of learning. The Deductive investigation helps the researcher to work in harmony with the communication system of the inclusive applications suitable for the exact analysis. The theory can be substantial from the values that are confirmed with the expected design in contradiction of the observation that is feasible. This method works as per the top- down movement of data. Deductive system supports the investigator to display the manageable certainties. Nonetheless, it is labeled by Hair & Money (2011) that the practice of inductive reasoning empowers the surveyor to accomplish the awareness by arriving from a precise tradition of the inspection under discussion to “universalization” of the perceptions. This method goes in the path from down to highest level of analysis.
Validation for determining Deductive Method
The investigator carefully selects deductive exploration design to implement this study. It helps the inspector to assess the momentous perceptions to expedite the researcher to judge the ground-breaking moralities for the present-day situation of research In line with the understanding of the study, deductive form of assertiveness is supremely appropriate for this analysis. The researcher learns the current related works on the subject. It aids the inspector to defend on the practicality of the belvederes functional in the research over and done with accretion of the prime records of the consequence. The researcher acquires the possibility to examine the composed statistics from end to termination with numerical along with physical presentation of the facts (Bernard, 2011). The researcher employs the deductive method to meet and assess the quantifiable data.
Three panaches of research project heartened the investigator to conduct the study: the Descriptive as well as Explanatory above and beyond Explanatory analysis. The Descriptive learning of plan sanctions the examiner to devise the ethics of assessment with an accurate tradition of purposes besides the conception of the investigation. It eases the inspector to acquire appropriate effects. In distinction, some investigators drafted the exploratory plus Explanatory procedures of valuation which are suitable on cases where scheduled investigations does not occur with uncompromising drives to display and measure the facts of inspection (Bryman and Bell, 2011).
Validation of selecting Descriptive Research Project
The researcher opts for descriptive examination to achieve the comprehensive facts to estimate and inspect the reliable and immaculate evidences composed for the study. It comforts the investigator for the methodical demonstrations of findings. The investigator becomes competent to discover the effective procedures for the operational examination and approval required to amass the records. The examiner might be accomplished in receiving an all-embracing collection of samples to accrue the crucial primary information for this project.
Methods of Data Collection
There exist 2 forms of measurements required by the surveyor to execute the examination. It covers the Primary in addition to Secondary evidence. Primary measurements describe the new as well as raw evidences which are not seen anywhere or distributed and reproduced. These are self-possessed from the members of the inquiry. Quite the reverse, the secondary evidences defines the grouping of the information that are currently offered in the reviews, booklets, websites, journals and articles, over and above the social locations centered on internet tools akin to Facebook otherwise YouTube and Linked In and so forth. (Hair & Money, 2011).
Data Sources
The investigator exactly studies the objectives and concepts of the examination to accumulate r the primary in addition to secondary “statistics and evidence”.
Primary
The researcher collects the major information from the promoting and marketing personnel in control and the patrons of Commonwealth Bank, Australia. The researcher amasses the inquiry form for the convincing executives and the customers of the institution that stimulated and helped the investigator to complete the indispensable actions.
Secondary
The researcher gathers the secondary actualities from numerous pertinent books, magazines and shared websites and Face Book plus Linked In and You Tube and the like.
Custom of Data Assortment
There occur 2 diverse methods betrothed by the inspector to accumulate the particulars through the essential proceedings for the investigation. It comprises “Probability selection method” besides the “Non-probability sample assortment”. The examiner indicates the followers for the estimation in accordance with the “probability selection pattern” using randomized approach. The respondents go well with the all-inclusive enormousness of sample. Contrariwise, the researcher cannot choose the respondents randomly in agreement with “non-probability coordination of specimen” (Cooper & Schindler, 2010).
The examiner employed the structure of “cluster probability model” done with gathering the pertinent primary dimensions from the preferred band of members from the wide-ranging magnitudes of the section. The participants comprise of the consumers, employees and representatives of the institute.
Quantitative pattern of data collection
The investigator intents to collect quantitative figures by conveying “online survey forms” to 70 customers of “Commonwealth Bank, Australia”
Qualitative Data pool
Qualitative particulars will be collected by escorting a telephonic discussion with 4 “marketing officials” of “Commonwealth Banking organization, Australia”.
Sampling
The inspector will engage probability test group, simple random system to choose 55 patrons of Commonwealth Banking institute, Australia as members.
In comparison, “non-probability assortment with convenience procedure will be realistic to prefer 3 marketing bosses of Commonwealth Banking organization, Australia to perform their roles in the conversation
Research Ethics
The investigator endeavors to put up with the procedures of research integrities. The researcher promises plus makes every effort to maintain the confidentiality and the decent code of conduct to manage the primary particulars collected from the precise section of the consumers over and above the promoting frontrunners of Commonwealth Banking institute, Australia. The investigator prepared the inquiry form for the quantifiable and qualitative examination to assume the review of the morale and sentiments regarding the response in the direction of the security developments reviewed by the organization to display the e-banking preparation.
Time table
|
Key Ideas |
1st week |
2nd and 3rdweek |
4th and 5th week |
6th week |
7th and 8th week |
9th and 10thweek |
|
Selection of the theme |
* |
|
|
|
|
|
|
Valuation of literary aspects |
|
* |
|
|
|
|
|
Research Practice |
|
|
* |
|
|
|
|
Collection of Secondary Evidence |
|
|
* |
|
|
|
|
Gathering of Primary Statistics of information |
|
|
|
* |
|
|
|
Assessment and outcomes of Proceedings |
|
|
|
* |
|
|
|
Inference
|
|
|
|
|
* |
|
|
Recommendation
|
|
|
|
|
|
* |
|
Concluding proposal |
|
|
|
|
|
* |
(Source: Created by the author)
Budget
|
Accomplishments |
Budget ($) |
|
Internet Subscription |
55 |
|
Library costs |
70 |
|
Laptop |
750 |
|
Printing expenses |
58 |
|
Stationary and other materials |
50 |
|
Total payments |
983 |
(Source: Created by the author)
Summary and Concern of the study of e-business security regulation for the expected scope of outcomes
There is a requirement to endorse an innovative risk administration to ensure the competency attitude over and done with the investment operations that contract with the forms of expediting progressive movements of the “Informative tools” that levers the risk controlling proficiency. There stands a keen inspiration of the administrators of the Corporation who initiates on the supervision of security. There are chances of the assertion that all precarious missions associated to data security would contract with the hazard controlling system of the developmental accomplishments and the supremacy of the valuation of threat to regulate the structure of evaluation of the genuine practice of functioning (Twum & Ahenkora, 2012). The management has to perform the tasks of the development with the appropriate discussion and assistance of the other adherents and the personnel of different divisions of the Business. There would be adjustment with the assortment actions of technological principles and the approaches of executing the standard of suitable procedures of the solicitation of databases which are founded on the appropriate operating structure.
The vulnerability issues would be correctly identified with correct assessment procedures to develop fresher methods of technology besides the system design and the performances. There ought to be suitable guidance plus direction to the arrangement of specific technological planning to project and safeguard that the average customs for production displays the consideration of the physical requirements for lawmaking and supervisory conventions with the moral custom of the data and the extension of the commercial action. The tasks of IT planning may embrace the operating system classifications, designing of software, set-ups and communications, strategic technological choices, administration of high-tech expansion, governance of leadership policies and acquaintance with investigation procedures of up gradation of security arrangement. The different IT innovations and the ventures related to the economic approximations of the quality concerned with outcomes of working procedures, handling the outsourcing of “Informative Tools of technological maneuvers with analysis of all kinds of solutions within the jurisdiction of in-house or external sources or else subcontracted. The IT jobs counting the arrangement of servers, operating classifications, database applications besides the employees are scheduled to provide support to the variable requirements of the patrons (Ghapanchi et al. 2012).
The “personal identification number” is obligatory in ATM other than the accessible system of “Telebanking” is effective for “twenty fours platform” that requires to ensure impeccable documented digit. The E-cheques as well as ATM or Debit cards and Smart cards, plus additional category of passes frequently generate complications when the clienteles attempt to extract currency from the official centers of the method of financial transactions.
References
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Barich, T. (2012). Quickbooks 2012 quicksteps. New York: McGraw-Hill.
Bernard, H. R. (2011) Research Methods in Anthropology: Qualitative and Quantitative Approaches. 5th ed. Plymouth: Alta Mira Press.
Biafore, B. (2012). QuickBooks 2013. Sebastopol, CA: O’ReillyHettiarachchi, H. (2014). Factors affecting to customer adoption of internet banking. Kelaniya J Manage, 2(2).
Bryman, A. & Bell, E. (2011) Business Research Methodology. 3rd ed. New York: Oxford University Press.
Commbank.com.au. (2016). Personal banking including accounts, credit cards and home loans – CommBank. [online] Retrieved 31 May 2017 from : https://www.commbank.com.au/
Cooper, D. & Schindler, P. S. (2010) Business Research Methods, 11th ed. London: McGra-Hill.
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Ghapanchi, A., Wohlin, C. & Aurum, A. (2014). “Resources contributing to gaining competitive advantage for open source software projects”: An application of resource-based theory. International Journal of Project Management, 32(1), pp.139-152.
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Hill, B. & Power, D. (2012). The pocket small business owner’s guide to business plans. York, NY: Allworth Press.
Huang, D., Bevilacqua, V., Figueroa, J. & Premaratne, P. (2013). Intelligent computing theories. Berlin: Springer.
Krishnan, S. (2014). The power of mobile banking. Hoboken: Wiley.
Lee, J., Bauer, L. & Mazurek, M. (2014). Studying the Effectiveness of Security Images in Internet Banking. IEEE Internet Comput., pp.1-1.
Mann, B. & Sahni, S. (2010). Inter-Relationship of Web Site Interactivity and Customer Outcomes: Building Trust in Internet Banking Web Site. Global Business Review, 12(1), pp. 99-115.
Mehta, B. & Dadhich, M. (2013). Internet banking. New Delhi: Discovery Pub. House.
Meiners, R., Ringleb, A. and Edwards, F. (2012). The legal environment of business. Mason, OH: South-Western Cengage Learning.
Singh, S. & Srivastava, R. (2014). Factors Influencing the Adoption of Mobile Banking in India. International Journal of E-Services and Mobile Applications, 6(4), pp.1-15.
Song, H. (2014). Customer Adoption of Mobile Banking: An Integration of TAM with Trust and Social Influnce. AMM, 701-702, pp.1323-1327.
Twum, F. & Ahenkora, K. (2012). Internet Banking Security Strategy: Securing Customer Trust. JMS, 3(4).
Yu, C. (2014). CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING. International journal of cyber society and education, 7(1), pp.1-28.
Zhu, Y. & Chen, H. (2012). Service fairness and customer satisfaction in internet banking. Internet Research, 22(4), pp. 482-498.
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