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CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY Since the overcoming of barter in the history of mankind, trade usually involve the exchange of goods and services and an equivalent abstract value such as money. (Sadeghi & Schneider, 2011). Ever since money was invented as an abstract way of representing value, system for making payments have been in place. In the course of ime, new and increasingly abstract representations of ...

CHAPTER ONE INTRODUCTION BACKGROUND OF THE STUDY The new millennium brought with it new possibilities is terms of information access and availability simultaneously, introducing new challenges in protecting sensitive information from some eyes, while making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands banks to serve their customers electronically. Banks have traditionally in the ...