Internet Banking Security: Human-Centered Issues in the Context of Thailand

Main Article Content

Pornchai Ingkathawornwong


This study was motivated by the increasing number of cyber threats to the security of Internet Banking (IB) which is a vital component of banking services in Thailand. The study examined the importance of 75 human-centered issues which were derived from previous studies representing the customer-side of IB security in Thailand. Human-centered issues have received relatively little attention in relation to IB security where the focus has been mainly on system-centered concerns and security technologies. The 75 human-centered issues are organized into three categories representing the perspectives of: the bank; the customer; and the attacker. Data was collected by questionnaire from a sample of 91 IB security professionals including 46 working at the operational level of IB and 45 working at the managerial and policy level. The responses from these two groups were analyzed and compared. The 75 human-centered issues examined in the study represent a very satisfactory theoretical framework which could be used in further studies. Practical implications of the findings are identified for those who are involved with IB security as well as others who are concerned with human-centered issues related to the customer-side of security regarding finances, transactions, and the confidentiality and privacy of information in the context of IB.


Download data is not yet available.

Article Details

Research Articles


Alizadeh, A. (2018) Effects of Adoption and satisfaction on word of mouth in the Internet Banking of Iran. [Online URL:] accessed on October 12, 2018.

Bankole, F. O. (2018) Influences on Cell Phone Banking Adoption in South Africa: An Updated Perspective. [Online URL:] accessed on October 12, 2018.

Braz, C. and Robert, J. (2006) Security and Usability: The Case of the User Authentication Methods. Proceedings 18th International Conference of the Association Francophone d'Interaction Homme-Machine, Montreal, Quebec, 199-203.

Chakravarti, P. K. (2015) An Analysis of security issues in E-Banking. International Journal of Management, Information Technology and Engineering 3(8): 1-8.

Chen, C. S. (2013) Perceived risk, usage frequency of mobile banking services. Managing Service Quality: An International Journal 23(5): 410-436.

Claessens, J. (2005) Web services and web services security standards, Nova Dubley-Gough. Information Security Technical Report 10(1): 15-24.

Dinnie, G. (1999) The Second Annual Global Information Security Survey. Information Management and Computer Security 7(3): 125-128.

Fegghi, J. and Williams, P. (1999) Digital Certificates: Applied Internet Security. Massachusetts: Addison Wesley Longman Inc.

French, A. M. (2012) A case study on E-banking security - When security becomes too sophisticated for the user to access their information. Journal of Internet Banking and Commerce 17(2): 1-14.

Furnell, S. (2004) E-commerce security: A question of trust. Computer Fraud and Security 10(1): 10-14.

IC3 (2016) Internet Crime Complaint Center: Annual Report. [Online URL:] accessed on October 12, 2018.
Julia, K. (2018) Breaking down Fintech. [Online URL:] accessed on October 12, 2018.

Keller, S. and Powell, A. (2005) Information Security Threats and Practices in Small Business. Information Systems Management 22(2): 7-19.

Laith, T. K. (2018) Framework for Measuring the Convenience of Advanced Technology on User Perceptions of Internet Banking Systems. [Online URL:] accessed on October 12, 2018.

Lampson, B. (2004) Computer Security in the Real World. IEEE Computer 37(6): 37-46.

Lee, M. C. (2008) Factors influencing the adoption of Internet Banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications 8(1): 130-141.

Loch, K. and Warkentin, M. (1992) Threats to Information Systems: Today's Reality, Yesterday's Understanding. MIS Quarterly 17(2): 173-186.

Ott, L. and Hildebrand, D.K. (1983) Statistical Thinking for Managers. Boston: Duxbury.

Peotta, L. et al. (2011) A Formal Classification of Internet Banking Attacks and Vulnerabilities. IJCSIT 3(1): 186-197.

Solomon, S. (2016) All You Wanted to Know About Online Banking Security Checkmarx. [Online URL:] accessed on May 25, 2016.

Subsorn, P. and Limwiriyakul, S. (2012) A Comparative Analysis of Internet Banking Security in Thailand: A Customer Perspective. Procedia Engineering 32(1): 260-272.

Yoon, H. S. and Linsey, M. (2013) Development of a quantitative model of the impact of customer' personality and perceptions on Internet Banking use. Computers in Human Behavior 29(1): 1133-1141.

Yousoof, M. and Musaev, E. (2015) A Review on Internet Banking Security and Privacy Issues in Oman, ICIT 2015. The 7th International Conference on Information Technology. [Online URL:] accessed on May 25, 2016.

Zhang, F. (2012) An Analysis of the Online Banking Security Issues Reported by Hole, Moen, and Tjostheim. [Online URL:] accessed on May 15, 2016.