A novel cryptographic protocol for privacy preserving classification over distributed encrypted databasesJournal of Banking and Financial Technology - Tập 6 - Trang 31-41 - 2022
Ashutosh Saxena, P. Radha Krishna
Recent progression in Information Technology facilitated the collection and
storage of large amounts of data to be accessed by multiple parties in a
distributed manner. Privacy is an important concern while mining sensitive data.
In a distributed data scenario, when the data is available in encrypted form,
mining it without sharing original data among the involved parties is a
challenging task. On... hiện toàn bộ
Intelligent RFID biometric enabled dual security lock in the banking environmentJournal of Banking and Financial Technology - Tập 4 - Trang 159-173 - 2020
Sonam Devgan Kaul, Dimitrios Hatzinakos
This paper describes an expert RFID biometric enabled dual system architecture
which acts as a smart and digitized banking vault door locking system. The
proposed system is novel, multipurpose and provides three levels of security. It
is based on locker automation using RFID technology and software Android App
technology that allows access only to the authorized owner of the bank vault to
open it.... hiện toàn bộ
The impacts of mobile insurance and microfinance institutions (MFIs) in KenyaJournal of Banking and Financial Technology - Tập 4 - Trang 95-110 - 2020
Hailu Abebe Wondirad
This paper investigates how mobile insurance (M-insurance) works and its impact
on the customer, stakeholders, and microfinance institutions (MFIs) in Kenya.
This study is based on a literature review and a critical analysis of Kenya’s
M-insurance market. A case study approach is used to explore the impact of
M-insurance on MFIs’ Performance focusing on Kenya’s microfinance industry. The
research ... hiện toàn bộ
Indian banking sector: blockchain implementation, challenges and way forwardJournal of Banking and Financial Technology - Tập 4 - Trang 65-73 - 2020
Aarti Patki, Vinod Sople
This study is aimed at covering the application of blockchain technology (BCT)
in the Indian banking sector and its benefits in banking operations. This paper
covers the challenges it faces in implementing blockchain technology. The paper
highlights how BCT is addressing key issues such as speedily and securely
transmission of data, value to and from various transaction partners, cost of
processin... hiện toàn bộ
Machine learning techniques for credit risk evaluation: a systematic literature reviewJournal of Banking and Financial Technology - Tập 4 - Trang 111-138 - 2020
Siddharth Bhatore, Lalit Mohan, Y. Raghu Reddy
Credit risk is the risk of financial loss when a borrower fails to meet the
financial commitment. While there are many factors that constitute credit risk,
due diligence while giving loan (credit scoring), continuous monitoring of
customer payments and other behaviour patterns could reduce the probability of
accumulating non-performing assets (NPA) and frauds. In the past few years, the
quantum of... hiện toàn bộ
A new metric of consensus for Likert-type scale questionnaires: an application to consumer expectationsJournal of Banking and Financial Technology - Tập 5 - Trang 35-43 - 2021
Oscar Claveria
In this study, we present a metric of consensus for Likert-type scales. The
statistic provides the level of agreement for any given number of response
options as the percentage of consensus among respondents. With this aim, we use
a geometric framework that allows us to analytically derive a positional
indicator. The statistic is obtained as the relative weight of the distance from
the point conta... hiện toàn bộ
The adoption of financial technology in Ethiopia: a study of bank customers perspectiveJournal of Banking and Financial Technology - Tập 4 - Trang 53-63 - 2020
Wondwossen Jerene, Dhiraj Sharma
Developing countries like Ethiopia in Africa highly striving to adopt financial
technologies in order to modernize the financial system. However, the acceptance
of financial technologies from consumers’ side faces many challenges. Financial
technologies include the electronic-based platforms that designed by bankers to
allow their customers for accessing financial services whenever they demand it
... hiện toàn bộ
Casper: a blockchain-based system for efficient and secure customer credential verificationJournal of Banking and Financial Technology - Tập 6 - Trang 43-62 - 2021
Eranga Bandara, Sachin Shetty, Ravi Mukkamala, Xueping Liang, Peter Foytik, Nalin Ranasinghe, Kasun De Zoysa
Customer credential verification is an ongoing activity at financial
institutions. Know Your Customer is one such periodic verification activity.
Often, organizations store the collected customer credentials on centralized
storage platforms (e.g., cloud storage and central servers) which could result
in major privacy breaches. In addition, when a customer has accounts at multiple
institutions, thi... hiện toàn bộ