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Clients' Perceptions Towards IT Security of e-banking in Bosnia and Herzegovina

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Author(s): Nedim Makarević

Journal: European Researcher
ISSN 2219-8229

Volume: 59;
Issue: 9-2;
Start page: 2284;
Date: 2013;
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Keywords: perceptions | IT security | online banking.

ABSTRACT
Main objective of this research is to examine clients’ perceptions in Bosnia and Herzegovina towards IT security of e-banking, to diagnose problems and try to give proper solutions. Survey was prepared based on six variables and specific questions assigned to each variable. Response rate was good and 207 respondents were surveyed.Overall results suggested a slight agreement in general, and they indicated that when it comes to IT security of online banking, several factors including privacy, control and intangible features are highly important for clients of Bosnia and Herzegovina. Clients do not perceive tangible features as important as they actually are. Therefore, banks are those who need to give more effort when it comes to implementation of IT security in online banking. They definitely need to find more effective ways to inform and educate clients about IT security of using online service, and in that way create additional value.
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