Why People Refuse To Use Internet Banking Information Technology Essay

Why People Refuse To Use Internet Banking Information Technology Essay Do you consider online banking in its current state to be secure. In your experience, what are the biggest mistakes that financial services providers and their customers make that expose them to security risks? The world is changing at a staggering rate and technology is considered to be the key driver for these changes around us (Papers4you.com, 2006). An analysis of technology and its uses show that it has permeated in almost every aspect of our life. Many activities are handled electronically due the acceptance of information technology at home as well as at workplace. Internet can be seen as a truly global phenomenon that has made time and distance irrelevant to many transactions. The transformation from the traditional banking towards e-banking has been a leap change. The evolution of electronic banking started from the use of automatic teller machines (ATM) and has passed through telephone banking, direct bill payment, electronic fund transfer and the revolutionary online banking. The future of electronic banking according to some is the acceptance of WAP enabled banking and interactive-TV banking. Online banking is the future of electronic financial transactions. The rise in the e-commerce and the use of internet in its facilitation along with the enhanced online security of transactions and sensitive information has been the core reasons for the penetration of online banking in everyday life (Papers4you.com, 2006). According to the latest official figures from the Office of National Statistics (ONS, 2006) indicate that subscriptions to the internet has grown more than 50% from 15 million in 2000 to 35 million in 2005 in the UK. It has also been estimated that 60% of the population in the UK use internet in their daily lives. Why people refuse to use internet banking? Today, there are still many internet users who refuse to do their banking online. Their main reason for not doing so is the lack of online banking security. One of the reasons why they feel insecure about banking online is because of misinformationà ¢Ã¢â€š ¬Ã‚ ¦.not knowing the correct information about internet security. A study from the University of Michigan by Atul Prakash looks at design flaws that many online banking sites have today. He concluded that they fail to protect users who dont know the basics about internet security. The study focussed on design flaws rather than actual software programming weaknesses. Website design flaws are decisions or assumptions that were made by the web developers when they designed the online banking website. For example, the developers assumed that online banking users were educated about internet security. In fact, the opposite is trueà ¢Ã¢â€š ¬Ã‚ ¦.many online banking users are uneducated about basic internet security. This assumption can be taken advantage of by unscrupulous hackers. Some of the design flaws of online banking security are: Being able to access the site by using insecure HTTP, Being redirected to an untrusted site, Low security password thresholds and e-mailing confidential data to users. These are all examples of website design flaws that can lead to confidential data being leaked! Strong Passwords: As far as user password information goes, many of the sites involved in the study dont require password restrictions for users. Having low quality passwords invite themselves to being disclosed by brute-force attacks. The study also noted that having a strong password does not protect against phishing sites and key loggers. Many banks find it to be just an inconvenience for their users to force strong passwords. The online banks claimed that by enforcing a three-strike  [1]  lockout policy when incorrectly typing in a password makes brute-force attacks on low quality passwords unrealistic. However, the study found that even when a three-strike lockout policy is enforced, it can be broken if low quality passwords are allowed. For example, if you use a password that is very weak like password, hackers can successfully use automated attacks to compromise your login. This is so, even if the online bank enforces a three strike policy. The design flaw here is that online banks have assumed that users will always use strong passwords. Online banks must not assume that some online users understand basic internet security and enforce the creation of strong passwords. Well designed online banking sites will enforce strong passwords by using JavaScript  [2]  to immediately test the passwords strength. If the password is not strong enough, the user will immediately be advised by an on-screen error message or a graphic. Click here to create a password and test whether it is a strong password. Hackers and intruders have an easier time figuring passwords out when they are not frequently changed. You must change your passwords regularly, especially for your online banking password. When you change your password, the hackers would have to start over again. Online banks with strong password security policies automatically enforce users to change their passwords periodically. Typically a password creation screen will appear and you will be asked to update your password twice. You will also need to know the old password. It is harder for hackers to figure out your password if you use a number of different charactersà ¢Ã¢â€š ¬Ã‚ ¦ especially if it is a combination of letters, numbers, and symbols found in your keyboard. Of course, it will be harder for you to remember the new password, so you have to make sure you memorize the combination. A useful tip: never use passwords that are codes like your birth date, spouses name, or other relevant information because your password can be deduced quickly and easily. These coded passwords are used by a lot of people, particularly in ATM machines and email passwords. By doing this, you simply make yourself a big target to hackers. Chain of Command: The University of Michigan study by Atul Prakash also mentions websites that break the chain of trust. Often time, bank websites will redirect you to other websites without notice. These sites may not be secured by using SSL  [3]  . Many times the certificates  [4]  used are not affiliated with the bank at all and there is no way for the user to tell if they are still on the banks website or not. This makes it hard for even knowledgeable users to know if they are on a phishing  [5]  siteà ¢Ã¢â€š ¬Ã‚ ¦ or not! Some online banking sites may present secure login options within an insecure webpage. While their online banking site may offer secure logins via SSL and HTTPS  [6]  , that same webpage may be available insecurely through a HTTP  [7]  version. While redirection to a secure page may occur, if the user had already entered in credential information under the insecure page, then their credentials are at risk of being compromised. While many sites exhibited 1 or 2 of the noted flaws, there were many on the list that didnt show any flaws and offered very good security. It also went on to note that some of the sites may have even fixed the flaws noted in the study at the time when the study was released. Online Banking: Tips for Doing It Safely With the increasing popularity of the Internet as a virtual marketplace, consumers and criminals alike have capitalized on this growing community. As a result the issue of Internet security has become one of great importance, especially when it comes to online banking. However, safe banking online is not as difficult as it may seem. It simply involves making the right choices. Here are some tips that will help ensure a safe banking experience on the Internet. First, make sure that the bank you choose is legitimate. If they do not have a branch you can visit locally, then you wont have the convenience of checking them out in person. In such cases, it is advisable to read pertinent information about the bank on its site. Most financial institutions will have an About Us tab where you can read more information about the bank and its history. You should even be able to the find name and address for the banks headquarters along with a toll free number you can use to speak with a live person. Second, be aware of criminals who put up fraudulent websites under a name or web address similar to that of a credible bank. Unfortunately, these undesirables have caused some trepidation when it comes to online banking. However, they can be fairly easy to spot and avoid. These sites are designed to trick you into entering their website and providing your personal information (i.e., social security number, account number, password). Be sure you have typed the appropriate web address for your bank before accessing your account online. This can be easily ensured by book marking your banks site or adding it to your favourites in your web browser. Doing this virtually guarantees you will visit the correct site in the future. Third, safeguard your private information. Thieves would love to get a hold of your credit card numbers, banking info, social security number and other private data. Review your banks security practices. This information is usually available on their website, but you should also be able contact the bank directly if necessary. Fourth, a secure online banking site will provide encryption  [8]  . In this process, private information is scrambled in order to prevent the wrong eyes from seeing it. Some web browsers will show an icon at the bottom of your screen that looks like a key or a lock. This icon indicates that your transaction is secure and your private information has been encrypted. Hackers and bad people are constantly attempting to crack into our online accounts and access everything from our email to our online banking records for nefarious purposes. How can you stop them from easily accessing your accounts? One very important step is to use highly secure passwords that arent easily guessed or cracked by their malicious software. Most of the time theyre after easy targets and will move on if your account cant be hacked quickly. Here are five tips to help you create secure passwords for your online accounts: Dont use names, dates, phone numbers, or addresses Dont use common words from the dictionary Use a mix of lowercase letters, uppercase letters, numbers, and special characters (such as! * % where possible) Make it at least 8 characters long (longer is better) Change it often (for online banking or hosting accounts, try every month) You may want to use an online random password generator. If youre worried that you may have trouble remembering all your secure online passwords, dont resort to using the same password at multiple sites or using passwords that arent secure! Instead, consider an option like RoboForm or RoboForm Online. You can also use Firefox as your browser (its free) and allow it to save your passwords. Just be sure to use a master password to secure your passwords file. You can find details about that at http://kb.mozillazine.org/Master_password Finally, make sure that you logout of the online banking site completely. When you are finished with your online banking session, you need to be sure that you log out. If you do not physically click the log out button, you may stay signed in. Anyone who uses the computer that you used to check your bank account could then get into your bank on-line account. It could also give more time to those people who want to crack into your bank account. Checking for the lock that indicates a secure log in is crucial to being careful when using online banking. It helps you to ensure that you are giving your password and information over a secure connection. Password protection, and having a secure password, will allow you to make it difficult for others to log into your account. By logging out, you can be sure that you have stopped the connection, preventing anyone (both online or in person) from finding and using your account. You need to be responsible when using online banking to ensure that your finances are safe. It should be clear that safe online banking is not an impossible task. It simply involves being well informed and making the right decisions.

Maiden Voyage by Denton Welch Essay

This passage from Maiden Voyage by Denton Welch is an account of an adventurous European boy in China who wishes to explore the different cultures and experience the extraordinary. Yet he is overwhelmed by the barbarity of the new culture and this reveals to the reader the unexpectedness of life from the boys perspective. Through the first person narrative and detailed descriptions of the events, various themes such as teenage rebelliousness, gap between different cultures and our limited knowledge is highlighted through different literary features such as contrast, colour imagery and metaphor. From the very beginning, the juxtaposition between the inside and the outside of the European villa accentuates the differences between two cultures. Inside the villa, where the foreigners live, seems to be more secure and settled as reflected by the reference to the stable doors. The boys observation of the signs of cultivation also hints the civilised European culture inside the walls. This perhaps links to Mr Butlers comment that foreigners are not very popular and people outside and foreigners have separate communities. The main character using moth eaten balls and the old tennis racket shows that young people like himself used to stay at the villa, but not for long periods of time it is where people dont appreciate the thoughts of the young. As the plot develops, the change in the setting is emphasized by imagery. Words such as a black speck and a dark boulder are colour imageries used to foreshadow the unfavourable and unexpected event. Outside of the European villa, the human head that the boy has found implies that the culture outside is in a way, barbaric. This is supported by cruel images such as odd white teeth stood up like ninepins in its dark, gaping mouth, its cheeks and shrivelled lips were plastered black with dried blood. These images not only highlight the unfortunate and unexpected events, but also give emphasis on difference between the two cultures. The boys fear and realisation of the hostility between cultures are conveyed from the head is described through imagery. Tall rank grass grew was dry and sharp as knives. Also the second mention of the insects reminds the boy of the head, causing the boy to feel more fearful. Through the main character, the author explores various themes of maturity  and our awareness of different cultures. Readers are able to observe that the main character seems to be a boy, from him playing tennis. It is shown that he is an adventurous person as he is [longing to explore]. He [hates] to be dependent on other people and says they would never want to do what I want to do- highlighting the theme of teenage rebelliousness and his desire to be independent. His unhappiness and dissatisfaction with his quiet lifestyle is suggested when [He hits] the balls fiercely against the stable doors. The boy feels imprisoned in a European villa and a line of poplars; the orderly line of poplar implies the structured and formal environment of the villa. For the boy, even the straight line of poplars is a sign of restriction and [imprisonment]. . As an act of rebellion, he does not want to listen to the elders, but carries out what he believes to be right, without rational thinking about the consequences. . From the action of the main character, the author highlights the themes of teenage rebelliousness, difference between two cultures and acceptance of a different culture. In the line, [he] let [himself] quickly out of the back gate, the back gate has an implication that it was done in secret. This once again reinforces the theme of teenage rebelliousness as this action was disapproved by Mr Butler and Mr Roote the adults. Despite his rebellious nature, however, his immaturity and lack of knowledge are evident in his initial response to finding the head. The rather naà ¯ve observation of the head, I saw that the object was not black but pink shows that he was not able to identify what he was seeing highlighting the boys unawareness of other cultures. This colour imagery used to describe the head, helps the reader picture the situation, and senses the shock that the boy feels. The line [he] stared at it stupidly until [his] numbed sensescan be interpreted as him being stupid and numb in the understanding of other cultures. When he finally finds out that it was a human head, [he jumps back]with [horror] and [terror]. Such shock from the discovery of a new culture highlights the unexpectedness of some events in life. The boys panic is emphasized through metaphors and diction in the passage. The first cur barked as a sound imagery, contributes to the fast-flowing and panicking situation where the boy is running away from the head. Also, the  wall is a metaphor for the separation between the two cultures. The tall rank grass that is dry and sharp as knives, shows that one culture is almost trying to repel the people from another. Also, knives are an image that conveys cruelty and hostility between the two cultures. The boys horrified action and shock contributes not only to the differences of two cultures but also the lack of endeavour to tolerate these differences. In the passage from Maiden Voyage, various themes such as expectations from different cultures, teenage rebelliousness and our limited knowledge are explored though a European boys horrifying experience. These themes are supported by a variety of literary features such as colour imagery, metaphor and contrast. The authors message that people should try to accept and understand other cultures is conveyed in the passage through highlighting these main themes. Text -Foreigners are not very popular here, Mr Butler told me at breakfast. So I dont think you ought to go out alone.My heart sank. I hated to be dependent on other people. They would never want to do what I wanted to do. I began to feel imprisoned. I took up the moth-eaten balls and the old tennis racket which were lying in the hall, and went into the garden. I hit the balls fiercely against the stable doors until I was too hot and unhappy to go on. I sat brooding on the steps. I might have been in Sydenham for all I could see a European villa and a line of poplars; yet outside lay a Chinese city which I was longing to explore. After lunch I decided that I could stand it no longer. Mr Butler and Mr Roote were still deep in their mornings discussion, so I let myself quickly out of the back gate and walked along the sandy lane which led into the country. Mr Butler could not mind my walking in the country, I thought. Everything was still and silent, in an early-afternoon torpor. The only sound came from the stunted bushes which squeaked and grated linguistically as the wind passed through them. Pillars and scarves of dust and sand rose up from the ground, eddying and swirling themselves into flat sheets which hovered  in the air. Harsh spears of grass stuck up through the sand. The soles of my shoes began to burn and I looked round vainly for some shady place. I enjoyed the dreamlike stillness and wanted to stay out for as long as possible. I thought that if I walked on I might find a place. The road led towards the hills. Across the sandy plain the city walls stood up like cliffs. Turrets and bastions were ruined cottages, crumbling into the sea. I walked on, fixing my eyes on a black speck some way in front of me. I wondered if it could be a cat crouching in the middle of the road; or perhaps it was a dark boulder. As I drew nearer, a haze of flies suddenly lifted, and I saw that the object was not black but pink. The loathsome flies hovered angrily above it, buzzing like dynamos. I bent my head down to see what it was. I stared at it stupidly until my numbed senses suddenly awoke again. Then I jumped back, my throat quite dry and my stomach churning. The thing was a human head. The nose and eyes had been eaten away and the black hair was caked and grey with dust. Odd white teeth stood up like ninepins in its dark, gaping mouth. Its cheeks and shrivelled lips were plastered black with dried blood, and I saw long coarse hairs growing out of its ears. Because it was so terrible, my eyes had to return to it whenever I looked away. I stared into its raw eye-sockets until waves of sickness spread over me. Then I ran. The whole plain and the bare hills had suddenly become tinged with horror. I found myself between high banks. I would soon be coming to a village. There were signs of cultivation. When the first cur barked, I turned and ran back the way I had come. I did not know what to do. I would have to pass the head again. I tried to avoid it by making for the city walls across the pathless sand. My feet sank in, and my shoes became full and heavy. My only idea was to get  back to the house. Tall rank grass grew in the shadow of the wall. It was dry and sharp as knives. I pushed through it, looking up at the towering cliff for a gate or steps to climb. Nothing else seemed to be alive except the insects. I could only hear their buzzing and the slap of them when they hit the wall. There was no gate. I began to feel desperate. I ran towards a bastion, wondering if I could climb up to it in any way. I knew that I could not. Denton Welch, Maiden Voyage (1943)

Leadership Is The Greatest Tool Society - 1420 Words

Perhaps of all the great gifts that the study of history offers to the world, the power to look through the past to identify humanity’s greatest achievements and shortcomings are the most useful. Looking through primary and secondary documents to determine why and how society reached certain points is integral to figuring out what is to come. From humanitarians to scientists, history is the greatest tool society possesses. It supports humanity’s ambition to solve the problems of today and prepare to combat the potential problems of tomorrow. To truly understand how society grew to where it is today, leadership must be examined under a microscope. True leaders not only have noteworthy influence over what happens in their own time period, but also the world beyond their own existence. Leadership, if implemented appropriately, has the power to transcend the physical and march on with time. 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