Browsing by Subject "riski"

The purpose of this study is to find out weather or not the users of internet bank are aware of the security threats concerning the use of the service. The intention is to find out also if the interviewees have created some methods of their own to raise the security level of their use of internet bank. Still, the purpose of the study is to clarify the interviewees’ opinions about the economically responsible party in case of economic losses. Research material consists of eight internet bank users’ interviews. The statements of the interviewees are considered from factual point of view and analysed by dividing them under certain themes and types. In addition to the interviews of consumers, also two experts were interviewed. This material works more like source of information and it is not analysed like the other interviews. These two interviews were carried out to get information about the security level of Finnish internet banks. Phishing is criminal activity by which the criminals’ objective is to gather confidential information, such as access codes for internet bank, from the victims. This research revealed that the interviewees were quite unaware of the different forms of phishing attacks. However, almost everyone had heard of the phishing e-mails. They were not seen as a threat because the interviewees knew how to identify those e-mails and also that they should never be answered but deleted immediately. Consumers can enhance the security of internet transactions by their own behaviour. The interviewees seemed to be quite careful when using internet bank even though they had not gotten much directions from the bank. The different parts of internet bank access codes were kept separately and the fixed parts were mostly known by heart. Some interviewees used internet bank merely at home or at work place and public computers were broadly avoided for that purpose. The interviewees thought that the economically responsible party in the case of economical losses depends on the situation. Bank could not be held responsible if the access codes were given to outsiders by self. In other cases however the interviewees saw bank as the responsible party. Greater awareness of security threats seems in this research material to increase the responsibility of consumer. Consumers’ responsibility would also increase if banks would increasingly inform consumers about these security threats.