risk management in on-line banking在网上银行风险管理.pdf

Intelligent Information Management, 2011, 3, 112-118 doi: 10.4236/iim.2011.34013 Published Online July 2011 (http://www.SciRP.org/journal/iim) Risk Management in On-Line Banking Ioannis Koskosas University of Western Macedonia, Kozani, Greece E-mail: ioanniskoskosas@ Received February 7 2011; received May 6, 2011; accepted May 15, 2011 Abstract In the context of goal setting, the more difficult the goal, given feedback on performance, the more focused is individuals’ attention and persistence to accomplish the goal and in turn, their performance is also im- proved. Similarly, when the goal is multi-complex and performance time constraint, the deployment of spe- cific strategies maybe the best approach developed. In effect of the above, this investigation takes a socio-psychological and organizational perspective in setting information systems (IS) security goals. In do- ing so, three important issues of goal setting are identified, these are: trust, culture and risk communication. Since system security breaches are still on the rise, the performance of managing such online risks is not the one expected. The framework suggested in this paper aims to contribute to socio-psychological and organ- izational values by enhancing the performance of the IS risk management process with a focus on security risks. Keywords: Online Banking, Trust, Culture, Risk Communication, Goal Setting 1. Introduction the non-technical point of view. In the next section the theory of goal setting is introduced and the concepts of The research described