Use this URL to cite or link to this record in EThOS: http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.554089
Title: An investigation into financial fraud in online banking and card payment systems in the UK and China
Author: Sun, Yan
Awarding Body: Loughborough University
Current Institution: Loughborough University
Date of Award: 2011
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Abstract:
This doctoral thesis represents an investigation into financial fraud in online banking and card payment systems in the UK and China, involving network security, online financial transactions, internet fraud, card payment systems and individuals' perception of and behaviours towards electronic environments. In contrast to previous studies, the research questions were tackled by survey questionnaires both in the UK and China, with a particular interest in fraud and attempted fraud. The main findings from the UK respondents were that those with higher IT skill and younger respondents are more likely to be defrauded on the internet. Certain types of online activities are associated with higher risks of fraud, these being internet banking; online shopping and media downloading. Furthermore, four predictors (internet banking, online education services, downloading media and length of debit card usage) provided significant effects in the logistic regression model to explain fraud occurrence in the UK. Based on the data collected in China, younger respondents were more likely to have higher general IT skill and higher educational qualifications. However, online shopping was the only online activity which was significantly correlated to fraud occurrence. Finally, two predictors (frequency of usage of online shopping and number of debit cards) were selected in the logistic regression model to explain fraud occurrence in China.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID: uk.bl.ethos.554089  DOI: Not available
Keywords: Financial transactions ; Internet fraud ; Online payment ; Credit card ; Debit card ; Network security ; Internet banking ; Online shopping ; Customers’ satisfaction ; Cyber crimes
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