"Clicks and bricks":: E-Risk Management for banks in the age of the Internet

Journal of Banking and Finance

Volumn 25, Issue 11, 2001, Pages 2103-2123

  Pennathur, Anita K ^a  

^a LOUISIANA TECH UNIVERSITY   (United States)

Author keywords

Bank regulation; Electronic banking; Electronic payments; G21; G28; Market strategy; O3; Risk management

Indexed keywords

EID: 0042904369     PISSN: 03784266     EISSN: None     Source Type: Journal    
DOI: 10.1016/S0378-4266(01)00197-2     Document Type: Article

References (50)

1. ABA Bank Compliance, May 2001. Aggregation and privacy, p. 7.
2. Altman, L., Simon, A., Bhandari, A., Hyatt-Shaw, Z., 2001. Run for the money: The battle for online aggregation business. At http://www.strategy-business.com/enews/011501/enews011501.html.
3. Basel Committee report on banking supervision, 1998. Risk management for electronic banking and electronic money activities. Bank of International Settlements, Basel.
4. Basel Committee report on banking supervision, 2000. Electronic Banking Group initiatives and White Papers, #76. Bank of International Settlements, Basel.
5. Basel Committee report on banking supervision, 2001. Risk management principles for electronic banking, #82. Bank of International Settlements, Basel.
6. Bruno M. Secure. Really? U.S. Banker. (May):2001;22.
7. Community Banker, 2001. OCC issues manual on setting up Internet bank, March, p. 52.
8. DeYoung R. The financial performance of pure play Internet banks. Economic Perspectives, Federal Reserve Bank of Chicago. 25(1):2001a;60-76.
9. DeYoung R. The Internet's place in the banking industry. Chicago Fed Letter, Federal Reserve Bank of Chicago. (March):2001b;163.
10. Epper K., Kutler J. Dinosaur remark by Gates sets off technology alarms. The American Banker (January 4). 1995;16.
11. FDIC, 1999. Federal Deposit Insurance Corporation. Risk assessment tools and practices for information system security, Financial Institution Letters. At http://www.fdic.gov/news/news/financial/1999/fil9968a.html.
12. FDIC, 2000a. Federal Deposit Insurance Corporation. Electronic signatures in Global and National Commerce Act, Financial Institution Letters. At http://www.fdic.gov/news/news/financial/2000/fil0072.html.
13. FDIC, 2000b. Federal Deposit Insurance Corporation. FDIC DOS manual of examination policies: Electronic banking, Section 4.6. At http://www.fdic.gov/regulations/safety/manual/00EBANK.htm.
14. FDIC, 2000c. Federal Deposit Insurance Corporation. Financial institution web site privacy survey, Financial Institution Letters. At http://www.fdic.gov/news/news/financial/2000/fil99113.html.
15. FDIC, 2000d. Federal Deposit Insurance Corporation. Protecting Internet domain names, Bank Technology Bulletin. At http://www.fdic.gov.
16. FDIC, 2000e. Federal Deposit Insurance Corporation. Security standards for customer information, Financial Institution Letters. At http://www/fdic.gov/news/news/financial/2000/fil0043.html.
17. Federal Financial Institutions Examination Council, 1998. Guidance on electronic financial services and consumer compliance. At http://www.ffiec.gov/PDF/EFS.pdf.
18. Ferguson, R., 1998. Electronic banking: Where are the customers? What do they think? What does it mean for the Federal Reserve? Remarks at the Bank Administration Institute's Symposium on Payments System Strategy, Washington, DC.
19. Ferguson, R., 2000. Information technology in banking and supervision. Remarks at the Financial Services Conference 2000, St. Louis University, St. Louis, Missouri.
20. Furst K., Lang W., Nolle D. Who offers Internet banking. Quarterly Journal, Office of the Comptroller of the Currency. 19(2):2000;29-48.
21. General Accounting Office, 1999. Electronic banking: Enhancing federal oversight of Internet banking activities, Statement of Richard J. Hillman, Washington, DC.
22. Global Integrity announces financial services information sharing and analysis center, 1999. At http://www.globalintegrity.com/09301999.html.
23. Greenspan, A., 1996. Regulations of electronic payment system. Statement at the U.S. Treasury Conference on Electronic Money & Banking: The Role of the Government, Washington, DC.
24. Hawke, J., 2001. Internet banking. Remarks before a Conference on Financial E-Commerce, Federal Reserve Bank of New York, New York.
25. Keizer, G., 2000. CNET review. At http://www.cnet.com/internet/0-3761-7-2t.cn.3761-7-2040210.txt.
26. Koller, L., 2000. Web banks in trouble. Bank Technology News. At wysiwyg://136/h wysiwyg://136/://www.banktechnews.com/btn/articles/btnsept00-2.shtml.
27. Kuykendall L. Amex says e-wallet proved too awkward: Product's demise puts concept in doubt; its partisans persist. American Banker (June 22). 2001;1.
28. Luke R. You've got cash! Banking Strategies. (September/October):2000;35-46.
29. Mariyappa T. Financial portals. Bank Marketing. (March):2001;22-25.
30. Marlin S. Regionals better than top banks at handling e-mail communications, survey finds. Bank Systems & Technology. (April):2001;10.
31. Messmer E. Banks explore B2B payment options. Network World (May 7). 2001;57.
32. McNee, A., 2001. Lack of regulation increases insecurities. At http://www/erisk.com/news/analysis/news_analysis 2001-05-22_01.asp.
33. Moskow, M., 2001. Productivity, innovation, and Internet banking in the United States. Statement at the 2001 Economic and Financial Summit, Taipei, Taiwan.
34. Nathan L. Community banks are going online. Communities and Banking, Federal Reserve Bank of Boston. 27(Fall):1999;2-8.
35. OCC, 1998. Office of the Comptroller of the Currency. Technology risk management: PC banking, OCC 98-38. At http://www.occ.treas.gov/ftp/bulletin/98-38.txt.
36. OCC, 1999. Office of the Comptroller of the Currency. Infrastructure threats from cyber-terrorists, OCC 99-9. At http://www.occ.treas.gov/ftp/bulletin/99-9.txt.
37. OCC, 2000. Office of the Comptroller of the Currency. Basel committee report addresses the supervisory challenges of electronic banking, NR 2000-82. At http://occ.treas.gov/ftp/release/2000-82.doc.
38. OCC, 2001. Office of the Comptroller of the Currency. Bank-provided account aggregation services, OCC 2001-12. At http://www.occ.treas.gov/ftp/bulletin/2001-12.doc.
39. Potter M. Internet banking & fraud: Making business less risky. Community Banker. 9(7):2000;42-43.
40. Roth, A., 2001. Banks fund B2B payment system effort. American Banker. At http://www.americanbanker.com/PSUser/ABC_Story.html?doc_id=200010424TECH335.
41. Sandoval, G., 2001. PayPal, BBB come to terms on customer service rating. At http://news.cnet.com/news/0-1007-200-4578975.html?tag=rltdnws.
42. Sinkey J. Financial innovation, information technology, and corporate restructuring. Commercial Bank Financial Management. 1998;795 Prentice Hall, NJ.
43. Smith, G., 2000. Why PayPal may survive Citi's onslaught. At http://www.businessweekonline.com.
44. Solomon E.H. What should regulators do about consolidation and electronic money? Journal of Banking and Finance. 23:1999;645-653.
45. Spivey J. Banks vault into online risk. Security Management. 45(1):2001;132-138.
46. Streeter, W., 2001. Top issues & trends. ABA Banking Online. At http://www.banking.com/aba/management_trends.asp.
47. Sullivan R. How has the adoption of Internet banking affected performance and risk in banks. Financial Industry Perspectives, Federal Reserve Bank of Kansas City (December). 2000;1-16.
48. Valentine E. Compliance implications of electronic delivery systems: Guidance is coming. SRC Insights, Federal Reserve Bank of Philadelphia. 4(4):2000.
49. Wall Street Journal, 2000. Visa reveals hacker stole computer data, demanded ransom. January 19.
50. Wenninger J. The emerging role of banks in e-commerce. Current Issues in Economics and Finance, Federal Reserve Bank of New York. 6(3):2000.