It's no more than throwing data management responsibility and risks on to the users. Poker banks play on savvy (naive) users

Please start with Ronald Coase (Nature of the Firm). Draw your sphere around the existing bank organisations. Ask, what is the cost of maintaining this boundary? There you have a frame that will help you explain the explosion of mobile banking in Africa. The same frame will help you explain the challenges of Deutsche Bank and the future of mobile banking in Germany. This is a beautiful subject that needs a draw of physics and history. Perhaps a graduate student out there is keen on a thesis in this area. Thanks Dariusz Prokopowicz for raising the subject.

Complexity in client needs, changed techno-competitive environment, reduced finservice disparities globally and bank behaviour to remain relevant are some of the driving force to the digital revolution in finservices.

In addition, I note the interesting discussion inspired me to the following considerations:

Is the security of information transfer on the Internet, the issue of cybercrime are currently one of the most important topics in the issue of the development of online e-banking?

Is the question of the security of information transfer on the Internet, the issue of cybercrime in the development of online mobile banking and electronic banking risk management are currently one of the most important topics in the development of online e-banking?

In my opinion, the issue of the security of information transfer on the Internet, the issue of cybercrime in the development of online mobile banking and electronic banking risk management are currently one of the most important topics in the topic of the possibility of developing online electronic banking.

From all risk categories that are researched and for whom risk management systems are being improved in commercial banks, it is the risk management of information systems and data transfer security risk in electronic banking that is currently the type of commercial banking risk that banks currently devote the most to improving process management of information systems risk and data transfer security risk in online electronic banking.

Do you agree with my opinion on this matter?

In view of the above, I am asking you the following question:

Is the security of information transfer on the Internet, the issue of cybercrime are currently one of the most important topics in the issue of the development of online e-banking?

Please reply

I invite you to the discussion

Thank you very much for your response and participation in the discussion

Best wishes

In my opinion, the following factors are the main determinants of mobile online banking: - reduction of transaction costs of banks, - convenience for bank customers, - development of ICT, Internet, Internet of Things, etc.

Do you agree with me on the above matter?

Please reply

I invite you to the discussion

Joining the above discussion, I would like to add a few words on the issue of determinants of the development of online mobile banking. The problem is very important, so it requires clarification and investigation. The discussion conducted at the Research Gate portal shows that one of the key determinants of the development of mobile internet banking is the development of internet technologies, ICT information, security technologies for data transfer on the Internet and advanced data processing Industry 4.0.

In the context of the above considerations, the following key questions arise:

- If in the future smartphones will be replaced by other devices in the field of the Internet of Things, will then also change mobile internet banking?

- What kind of ICT information technologies and advanced data processing Industry 4.0 currently determine the development of online mobile banking to the greatest extent?

- Will the development of online mobile banking bring banks closer to operating according to the fintech model?

What do you think about this topic?

Please reply

Hello everybody, my opinion is:

Concerning this matter, I think that the main determinant for banks, to develop mobile banking services, is the pressure from the "fintech" companies.

Because if banks do not change their business model, the banking services will be offered by these companies and banks could disappear.

As one said: "Banking services are needed, but banks maybe not"

Regarding to the Mobil bank i am completely agree that development of online mobile banking bring banks closer to operating according to the fintech model but the main drivers of this services are availability of high level of ICT and the degree of banks readiness and the most important one that we can consider this type of financial services is demand driven because most of big customer need a very high professional and smart financial services .

Is the issue of improving cybersecurity techniques one of the key determinants of the development of electronic online banking, including mobile banking?

In recent years, mobile technologies have been developing rapidly in online mobile banking applications. As the key issue in the development of online banking, including mobile banking, is to improve cyber crime risk management processes, so I propose a research topic regarding the possibilities of building and using systems that simulate various types of hacker attacks and conducted by cybercriminals on systems, mobile banking applications operating in specific operating systems installed on smartphones , including the use of selected Industry 4.0 technologies to perform simulations and prognostic analyzes of the said attacks on mobile banking systems and applications. An important element of this issue is also the issue of improving the process of managing cybercrime risk, the use of machine learning technology for the said process of managing cybercrime risk, analyzing the costs of system development and ensuring a specific level of cybersecurity, as well as prospects for the development of the offer of information services and mobile banking services in correlation with the issue of cybersecurity, banking supervision guidelines for ensuring the optimal level of cybersecurity in the mobile banking offer and technology developed in banks. Improving cybersecurity technology in the applications of websites and applications created as part of electronic, online mobile banking. Analysis of the possibilities of developing applications of the Industry 4.0 technology, including learning machines, blockchain, cloud computing, etc. to improve applications supported by bank customers on smartphones. Analysis of the improvement of the cybercrime risk management process by expanding the functions of websites and new internet information services in internet applications installed on smartphones, taking into account the costs of improving and raising the level of cybersecurity, statistics of hacker attacks and those carried out by cybercriminals on these applications, financial results of online mobile banking, portfolio development clients using this type of banking, the level of clients' awareness of cyber security, the number of successful hackers breaking into mobile banking systems and the level of financial losses caused by cyber criminals, compliance with procedures and recommendations regarding the principles of secure use of mobile banking by bank clients.

In connection with the above, I ask: Is the issue of improving cybersecurity techniques one of the key determinants of the development of electronic online banking, including mobile banking?

What is your opinion on this topic?

Please reply,

I invite you to discuss

Thank you so much for participating in the discussion,

Greetings,

Dariusz Prokopowicz

Dear Everyone, Thank you very much for participating in this discussion. In the context of this discussion, I would like to add the following question: Has the SARS-CoV-2 (Covid-19) coronavirus pandemic become one of the main factors in the development of electronic internet banking in recent months, including mobile banking operated by bank customers from a smartphone and / or laptop?

What do you think about it?

What is your opinion on this topic?

Is there any research being done on this topic?

Thank you very much and best regards,

Dariusz Prokopowicz

Perceived ease of use is vital as mostly people seek ease as against usefulness... Gayan Nayanajith, D. A., Damunupola, K. A., & Wanninayake, W. M. C. B. (2019). EFFECT OF SUBJECTIVE NORMS AND SECURITY OF E-SERVICES ON MOBILE BANKING ADOPTION: A HIERARCHICAL LINEAR MODEL ANALYSIS.

If you need a practical point of view - please contact me.

We have huge practical experience with building core payment/core banking solutions including integrations with telecoms.

There is to many points to discuss to put it here as a short answer

Dear D A Gayan Nayanajith, Thank you very much for the given source of literature on this issue regarding the determinants of the development of electronic internet banking. Best wishes,

Dariusz Prokopowicz

Dear Željka Asanović,

Thank you for your clarification and the example from Montenegro. Yes, in many countries for over a dozen years there has been a strong increase in transactions and payments made online via the Internet. Greetings,

Dariusz Prokopowicz

Dear Milan B. Vemić

Thank you very much for the link to the World Bank publication, which describes the important determinants of the development of electronic internet banking, including mobile banking. Best wishes,

Dariusz Prokopowicz

Dear Pavlo Sidelov,

Thank you very much for your reply and for participating in our discussion. Of course, I will remember about your proposal for cooperation regarding the practical implications in building basic payment / banking solutions, including integration with telecommunications. I agree with you that there are many interesting points to discuss to put it here as a short answer. Stay in touch.

Best regards,

Dariusz Prokopowicz

The main determinants of the dynamic development of mobile...

Technology.

Artificial Intelligence.

Video Technology.

Operating System.

Digital Advertisement.

Configuration of PC.

Internet.

Animation.

Check a similar question to yours https://www.researchgate.net/post/Determinants_of_the_development_of_mobile_banking

Dear Faraed Salman,

Thank you for your participation in the discussion and for explaining your position on the issue of determinants of internet mobile banking. Thank you very much for the link provided to the article on this important issue of online mobile banking.

Best wishes,

Dariusz Prokopowicz

During the SARS-CoV-2 (Covid-19) coronavirus pandemic, the e-commerce industry accelerated its growth. The scale of purchases and payments made via the Internet has increased. In addition, due to anti-pandemic security, more and more citizens use mobile banking implemented from the smartphone level and make contactless payments with a smartphone, avoiding cash. Therefore, the development of internet banking could partially offset the decline in lending caused by the decreased interest in bank loans.

Best regards,

Dariusz Prokopowicz