Cyberspace of Shujun LI >> e-Banking



Today's banking systems have been highly digitized esp. since the advent of the Internet and the Web. While in the past the majority of bank customers only experienced e-banking via the use of ATMs, in recent years online banking through the Internet becomes more and more popular and mobile banking has also start seeing its growth thanks to the rapid penetration of personal mobile devices in the general population. According to annual surveys of the American Banks Association (ABA), since 2009 Internet banking has become the most preferred choice of banking for the most bank customers. The ABA Survey released on 9 October 2012 shows that 39% bank customers interviewed prefer Internet banking (via a laptop or a PC) the most and 6% prefer mobile banking the most. Even for the most conservative group of customers who are of age 55+, Internet banking has become the first choice of banking since 2011 according to the ABA Surveys 2011 and 2012. Although the ABA surveys focus on American banking sector only, a similar pattern of the increased use of Internet banking has been observed in many other countries.

The rapid growth of online banking all over the world does bring a great amount of convenience to bank customers and a lot of opportunities for new businesses (e.g. online payment platforms and credit card free online shopping). However, cyber criminals are also benefiting from the same level of convenience since now they are able to attempt many new kinds of attacks which were either impossible or limited to a very small scale due to the need to be physically present around a bank branch, an ATM or a POS terminal. To counter these new cyber threats, many new security measures have been developed and deployed by financial institutions. Unfortunately, not all security measures work(ed) well and we keep witnessing successful attacks to financial institutions and their customers.

The cyber battle between us and cyber criminals is not a purely technical problem in the computer security field, but also involves many other disciplines such as human computer interface, psychology, economics, law, politics, management and anthropology. In addition to the well-known balance between security and usability of all human-involved computer security systems (e-banking being not an exception), some recent research work also revealed how different stakeholders behave according to customer protection laws, banking regulations, their own modeling of (economic and legal) risks and competition among different entities.

What is Shujun Li working on?

Shujun Li's main research interests on e-banking include (but not limited to :-)) the following:

e-Banking Solutions

You are interested?

Please contact Shujun Li for possible collaborations! There are plenty of ideas but short of hands! :-)

General Resources

Portals: L. Jean Camp's Economics of Information Security Page emotion icon BankInfoSecurity (UK) CUInfoSecurity emotion icon Banks around the World European Banking Resources Online Bank Finder BLZ Suche Deutschland IBAN-Rechner

Standards and Standardization Bodies: ISO/TC 68, Financial Services (ISO 20022 Universal financial industry message scheme) FINREAD - Financial transactional IC card reader FinTS - Financial Transaction Services (Fomerly HBCI - Homebanking Computer Interface) EBICS - Electronic Banking Internet Communication Standard

Governmental Bodies

National and International Development Banks: 国家开发银行 (China Development Bank)

Central Banks: Board of Governors of the Federal Reserve System Federal Reserve Bank of New York emotion icon European Central Bank (ECB) Bank of England Deutsche Bundesbank Banque de France Banco de España Banca d'Italia Oesterreichische Nationalbank Nationale Bank van Belgie - Banque Nationale de Belgique - Belgische Nationalbank (National Bank of Belgium) De Nederlandsche Bank Danmarks Nationalbank Central Bank of Ireland Sveriges Riksbank Norges Bank Suomen Pankki (Bank of Finland) Banque centrale du Luxembourg Seðlabanki Íslands (Central Bank of Iceland) emotion icon Schweizerische Nationalbank (Swiss National Bank) Bank of Canada (Banque du Canada) Reserve Bank of Australia Reserve Bank of New Zealand בנק ישראל (Bank of Israel) Банк России (Bank of Russia) Banco Central do Brasil भारतीय रिज़र्व बैंक (Reserve Bank of India) Banco Central de la República Argentina Banco Central de Chile Banco Central de Reserva del Peru Eastern Caribbean Central Bank emotion icon 中国人民银行 中華民國中央銀行 Hong Kong Monetary Authority (香港金融管理局) 澳門金融管理局 (Autoridade Monetária de Macau) Monetary Authority of Singapore (新加坡金融管理局) 日本銀行 (Bank of Japan) 한국은행 (The Bank of Korea)

Other Banking Authorities: Federal Financial Institutions Examination Council (FFIEC) Financial Services Authority (FSA) (Financial Services Firm Search) BaFin 中国银行业监督管理委员会 (China Banking Regulatory Commission, CBRC)
Policing Authorities: Financial Fraud Action UK Dedicated Cheque and Plastic Crime Unit (DCPCU)

Financial Institutions

Top Banks in the World: Deutsche Bank (Postbank, norisbank) 株式会社三菱UFJフィナンシャル・グループ (Mitsubishi UFJ Financial Group, Inc.) (株式会社三菱東京UFJ銀行 (The Bank of Tokyo-Mitsubishi UFJ, Ltd.)) HSBC Holdings plc (HSBC UK, HSBC US; First Direct; HSBC HK, Hang Seng Bank (恒生銀行)) BNP Paribas Crédit Agricole S.A. (CASA) (LCL S.A.) Barclays PLC 株式会社ゆうちょ銀行 (Japan Post Bank Company Limited) JPMorgan Chase & Co. (JPMorgan Chase Bank, N.A., doing business as Chase) Royal Bank of Scotland (RBS) Group (Royal Bank of Scotland (RBS), NatWest (National Westminster Bank)) Bank of America Corporation 株式会社みずほフィナンシャルグループ (Mizuho Financial Group, Inc.) Citigroup Inc. (Citibank, N.A., Citibank UK) 株式会社三井住友フィナンシャルグループ (Sumitomo Mitsui Financial Group, Inc.) (株式会社三井住友銀行 (Sumitomo Mitsui Banking Corporation)) Banco Santander, S.A. (Santander UK, Santander Direkt Bank) ING Groep N.V. (ING-DiBa) Société Générale S.A. (Росбанк, Rosbank) Lloyds Banking Group (Lloyds Bank, Bank of Scotland, Halifax) Groupe BPCE UBS AG Wells Fargo & Company UniCredit S.p.A. Credit Suisse Group AG The Goldman Sachs Group, Inc. Rabobank Groep N.V. Nordea Bank AB Commerzbank (comdirect bank) 農林中央金庫 (Norinchukin Bank) Morgan Stanley ABN AMRO Bank N.V Intesa Sanpaolo S.p.A. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Standard Chartered (Standard Chartered Bank HK, Standard Chartered Bank South Africa) Dexia N.V./S.A. Skandinaviska Enskilda Banken (SEB) ABC Danske Bank Virgin Money
UK: NS&I (National Savings and Investments) emotion icon The Co-operative Group (The Co-operative Bank, Smile) emotion icon Nationwide Building Society Yorkshire Building Society Norwich and Peterborough Building Society
Germany: Landesbank Berlin Holding AG Baden-Württembergische Bank (BW-Bank) HypoVereinsbank DKB NetBank Credit Europe Bank TARGOBANK Volkswagen Bank Cortal Consors NIBC Direct emotion icon Sparkasse VR-NetWorld: Volksbanken und Raiffeisenbanken DZ Bank AG Sparda-Banken (Sparda-Giro) PSD Banken ReiseBank Degussa Bank
Russia & Eastern Europe: Сбербанк России, Sberbank Rossii Банк ВТБ, VTB Bank (Банк Москвы, Bank of Moscow, VTB24) Газпромбанк, Gazprombank Российский Сельскохозяйственный банк, Russian Agricultural Bank Alfa Bank (Альфа-Банк) Промсвязьбанк, Promsvyazbank NOMOS-BANK (НОМОС-БАНК) URALSIB (УРАЛСИБ) MDM Bank (МДМ Банк) Банк «Санкт-Петербург», Bank Saint Petersburg АБ РОССИЯ, Bank Rossiya АК БАРС БАНК, AK BARS Bank МОСКОВСКИЙ КРЕДИТНЫЙ БАНК, Credit Bank of Moscow Банк Русский Стандарт, Russian Standard Bank Внешэкономбанк (ВЭБ), Vnesheconombank (VEB) (Связь-Банк, Sviaz-Bank)

China: Industrial & Commercial Bank of China (中国工商银行) (中国网站, Industrial and Commercial Bank of China (Asia) Limited (工银亚洲)) China Construction Bank (中国建设银行) Bank of China (中国银行) (Bank of China (Hong Kong) (中银香港)) Agricultural Bank of China (中国农业银行) 交通银行 (Bank of Communications) 中国邮政储蓄银行 (Postal Savings Bank of China) 招商银行 (China Merchants Bank) 中信银行 (China CITIC Bank) 上海浦东发展银行 (Shanghai Pudong Development Bank) 中国民生银行 (China Minsheng Banking Corp., Ltd.) 广发银行 (China Guangfa Bank) 平安银行 (Ping An Bank) 中国光大银行 (China Everbright Bank) 华夏银行 (Huaxia Bank) 兴业银行 (Industrial Bank) emotion icon 東亞銀行 (The Bank of East Asia) 永亨銀行 (Wing Hang Bank) emotion icon 臺灣銀行 (Bank of Taiwan) 上海商業儲蓄銀行股份有限公司 (The Shanghai Commercial & Savings Bank)

Interbank (ATM) Networks: (Visa) Plus Cirrus European Savings Banks Financial Services (EUFISERV) emotion icon LINK emotion icon girocard (Deutsches Geldautomaten-System) GeldKarte (girogo, Initiative Deutsche Zahlungssysteme) Cash Group CashPool Sparkasse Bankcard-Servicenetz EURO Kartensysteme emotion icon China UnionPay (中国银联) Electronic Payment Services (易辦事)

Interbank Bodies and Systems: Society for Worldwide Interbank Financial Telecommunication (SWIFT) (ISO13616 IBAN Registry, BIC Portal; SWIFT UK Ltd) European IBAN Converter European Payments Council (EPC) emotion icon British Bankers' Association (BAA) Financial Ombudsman Service Limited UK Payments Administration Ltd (Financial Fraud Action UK) Payments UK Bacs Payment Schemes Limited (originally Bankers' Automated Clearing Services) Clearing House Automated Payment System (CHAPS) Faster Payments Service (FPS) Cheque & Credit Clearing Company (CCCC) The UK Cards Association Financial Services Compensation Scheme Joint Money Laundering Steering Group (JMLSG) Restore UK UK Money Transmitters Association (UKMTA) emotion icon Die Deutsche Kreditwirtschaft (formerly Zentraler Kreditausschuss) Bundesverband deutscher Banken (Association of German Banks; Einlagensicherung) Deutschen Sparkassen- und Giroverband (DSGV) Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR) Bundesverband Öffentlicher Banken Deutschlands (VÖB) (Einlagensicherung) Verband deutscher Pfandbriefbanken (vdp) Entschädigungseinrichtung deutscher Banken (EdB)

Payment-as-a-Services, Money Transmitters and Virtual Cash

PayPal sofortüberweisung Western Union moneybookers MoneyGram WebMoney CashU emotion icon Ukash 易票联 (ePayLinks)

Virtual Cash/Digital Currencies: Blockchain Bibliography (blockchainbib @ Github) emotion icon CoinWiki CCN: Bitcoin, Block Chain, FinTech, & Cryptocurrency News CoinDesk BitInfoCharts: Crypto-currencies statistics Crypto-Currency Market Capitalizations GoUrl Bitcoin/Altcoins Payment Gateway Bittrex LitePaid expresscoin, Inc. Anycoin Direct Bleutrade Bittylicious OKCoin Pte Ltd ( 比特时代 聚币网 太一云科技 emotion icon Ripple Stellar Development Foundation BitShares emotion icon Bitcoin Foundation Bitcoin Project Bitcoin wiki BitPay Coinbase Bitrated Ltd. Inside Bitcoins Let’s Talk Bitcoin! Omni Layer on Bitcoin (Mastercoin) Omniwallet™ emotion icon Namecoin Litecoin Dash (DASH, formerly known as Darkcoin) Ðogecoin Project Paycoin Foundation PeercoinPeercoin Reddcoin ltd PotCoin Vertcoin VeriCoin feathercoin Primecoin Riecoin Worldcoin Alliance BlackCoin (黑币) Novacoin Foundation DigiByte Payment Network & Digital Currency DigitalCoin Gridcoin MazaCoin Monero Megacoin Quark (QuarkCoin QRK) Anoncoin Securecoin TagCoin Shadow Project (Shadowcoin) Cannabis Coin RubyCoin Foundation Netcoin Foundation Viacoin emotion icon Titcoin Titcoin Sterlingcoin Electronic Gulden Foundation 元宝币 招财币 比奥币 (Beaocoin, BEC) LitShares (莱特股, LTS) 苹果币 (Applecoin) AuroraSpjall (AuroraCoin) Chancecoin emotion icon Ethereum libcoin Zerocoin Project

IT Companies

International: RSA, The Security Division of EMC (RSA SecurID) IBM Zone Trusted Information Channel (ZTIC) Gemalto NV (Ezio Suite) VASCO Data Security International, Inc. (MYDIGIPASS.COM) Watchdata Technologies Pte. Ltd. (握奇数据系统有限公司) Giesecke & Devrient GmbH (捷德中国) SecuTech Solution Inc. (UniMate Family Mobile Authentication) Cronto Limited (CrontoSign) AGSES Group (myAGSES Services;, emotion icon NCR Corporation
Germany: KOBIL Systems GmbH (FlexSecure GmbH) Seal One AG Fiducia IT AG (Banksystem agree; ISB Institut für Software-Entwicklung und EDV-Beratung AG, TSG GMBH, F-Call AG, parcIT GmbH, PERAS Personalwirtschaft Administrations Services GmbH) GAD eG (VR Netze GmbH, Lucke EDV GmbH, ELAXY GmbH, Ratiodata IT-Lösungen & Services GmbH, GWS Gesellschaft für Warenwirtschafts-Systeme mbH, gbs - Gesellschaft für Banksysteme GmbH) Sparda-Datenverarbeitung eG VR-NetWorld GmbH giropay emotion icon CardProcess GmbH VR-BankenService GmbH
China: 天地融科技股份有限公司 北京旋极信息技术股份有限公司 飞天诚信科技股份有限公司 北京华大智宝电子系统有限公司 北京天诚盛业科技有限公司 恒宝股份有限公司
Other Countries: Информационные системы (isFront demo) CS Ltd @ Ukraine

Only one revision exists, which was created (or modified) by hooklee at Sunday, June 19, 2016 10:31:09 PM.
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