{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,12,19]],"date-time":"2025-12-19T21:45:54Z","timestamp":1766180754352,"version":"3.41.2"},"reference-count":66,"publisher":"Emerald","issue":"1","license":[{"start":{"date-parts":[[2015,3,9]],"date-time":"2015-03-09T00:00:00Z","timestamp":1425859200000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2015,3,9]]},"abstract":"\n Purpose<\/jats:title>\n \u2013 This paper aims to focus on online fraud occurrence in retailing banking sectors both in the UK and China. Online financial transactions bring convenience to individuals dramatically and improve banking service quality efficiently. However, the latest service channel, Internet, has been exploited by fraudsters excessively, standing at a huge monetary loss worldwide. <\/jats:p>\n <\/jats:sec>\n \n Design\/methodology\/approach<\/jats:title>\n \u2013 In aspects of demographic factors, financial activities and IT usage, results would benefit financial organisations and local authorities in strengthening customers\u2019 education and improving policymaking. The fraud occurrence model is empirically tested using quantitative data, and comparison is discussed using qualitative data collected in both countries. <\/jats:p>\n <\/jats:sec>\n \n Findings<\/jats:title>\n \u2013 The findings provide solid understanding of customers\u2019 behaviours towards online financial transactions and fraud occurrence internationally. As the main implication, customer education is proposed to benefit financial organisations in both countries. According to the data collection process and the data analysis results, individual customers are aware of banking policies and practices to some extent. Particularly in China, customers\u2019 satisfaction level is relatively lower and service quality is not reasonable in most circumstances. <\/jats:p>\n <\/jats:sec>\n \n Research limitations\/implications<\/jats:title>\n \u2013 The research experiences gained from this study suggest a number of areas for future research, particularly the under-researched area of fraud. Rather than approaching the research questions through individuals, there would be much value in working with merchants and financial organisations that are dealing with financial transactions and fraud on a daily basis. <\/jats:p>\n <\/jats:sec>\n \n Originality\/value<\/jats:title>\n \u2013 By combining three approaches (demographic factors, financial activities and IT usage), this study is trying to develop a comprehensive and statistical understanding of online fraud occurrences.<\/jats:p>\n <\/jats:sec>","DOI":"10.1108\/ics-10-2013-0076","type":"journal-article","created":{"date-parts":[[2015,2,26]],"date-time":"2015-02-26T06:35:30Z","timestamp":1424932530000},"page":"3-19","source":"Crossref","is-referenced-by-count":2,"title":["Influential factors of online fraud occurrence in retailing banking sectors from a global prospective"],"prefix":"10.1108","volume":"23","author":[{"given":"Yan","family":"Sun","sequence":"first","affiliation":[]},{"given":"Ian","family":"Davidson","sequence":"additional","affiliation":[]}],"member":"140","reference":[{"key":"key2020122521300490200_b1","unstructured":"Abbott, B.\n (2009), \u201cProtect against card fraud\u201d, Sunday Express, 23 August."},{"key":"key2020122521300490200_b2","doi-asserted-by":"crossref","unstructured":"Agarwal, R.\n , \n Rastogi, S.\n and \n Mehrotra, A.\n (2009), \u201cCustomers\u2019 perspectives regarding e-banking in an emerging economy\u201d, \n Journal of Retailing and Consumer Services\n , Vol. 16 No. 5, pp. 340-351.","DOI":"10.1016\/j.jretconser.2009.03.002"},{"key":"key2020122521300490200_b71","unstructured":"Anderson, R.\n , \n Bond, M.\n and \n Murdoch, S.J.\n (2006), \u201cChip and spin\u201d, \n Computer Security Journal\n , Vol. 22 No. 2."},{"key":"key2020122521300490200_b3","unstructured":"APACS\n (2013), \n Fraud, the Facts 2013\n , APACS, The UK Cards Association, London."},{"key":"key2020122521300490200_b4","doi-asserted-by":"crossref","unstructured":"Ash, D.\n (2011), \u201cThe UK fraud landscape for financial services\u201d, \n Computer Fraud & Security\n , Vol. 2011 No. 4, pp. 16-18.","DOI":"10.1016\/S1361-3723(11)70042-2"},{"key":"key2020122521300490200_b6","doi-asserted-by":"crossref","unstructured":"Black, N.J.\n , \n Lockett, A.\n , \n Winklhofer, H.\n and \n Ennew, C.\n (2001), \u201cThe adoption of Internet financial services: a qualitative study\u201d, \n International Journal of Retail & Distribution Management\n , Vol. 29 No. 8, pp. 390-398.","DOI":"10.1108\/09590550110397033"},{"key":"key2020122521300490200_b7","doi-asserted-by":"crossref","unstructured":"Button, M.\n (2012), \u201cCross-border fraud and the case for an \u2018interfraud\u2019\u201d, \n An International Journal of Police Strategies & Management\n , Vol. 35 No. 2, pp. 285-303.","DOI":"10.1108\/13639511211230057"},{"key":"key2020122521300490200_b5","unstructured":"Casu, B.\n , \n Girardone, C.\n and \n Molyneux, P.\n (2006), \n Introduction to Banking\n , Pearson, Prentice Hall, Edinburgh."},{"key":"key2020122521300490200_b8","doi-asserted-by":"crossref","unstructured":"Celic, H.\n (2008), \u201cWhat determines Turkish customer\u2019s acceptance of Internet banking?\u201d, \n International Journal of Bank Marketing\n , Vol. 26 No. 5, pp. 353-370.","DOI":"10.1108\/02652320810894406"},{"key":"key2020122521300490200_b72","doi-asserted-by":"crossref","unstructured":"Clemes, M.D.\n , \n Gan, C.\n and \n Zhang, J.L.\n (2013), \u201cAn empirical analysis of online shopping adoption in Beijing, China\u201d, \n Journal of Retailing and Consumer Services\n (in press).","DOI":"10.1016\/j.jretconser.2013.08.003"},{"key":"key2020122521300490200_b9","doi-asserted-by":"crossref","unstructured":"Clemes, M.D.\n , \n Gan, C.\n and \n Zhang, J.L.\n (2014), \u201cAn empirical analysis of online shopping adoption in Beijing, China\u201d, \n Journal of Retailing and Consumer Services\n , Vol. 21 No. 3, pp. 364-375.","DOI":"10.1016\/j.jretconser.2013.08.003"},{"key":"key2020122521300490200_b10","doi-asserted-by":"crossref","unstructured":"Davinson, N.\n and \n Sillence, E.\n (2010), \u201cIt wont\u2019s happen to me: promoting secure behaviour among Internet users\u201d, \n Computers in Human Behavior\n , Vol. 26 No. 6, pp. 1739-1747.","DOI":"10.1016\/j.chb.2010.06.023"},{"key":"key2020122521300490200_b11","doi-asserted-by":"crossref","unstructured":"Davis, F.D.\n (1989), \u201cPerceived usefulness, perceived ease of use and user of acceptance of information technology\u201d, \n MIS Quarterly\n , Vol. 3 No. 3, pp. 319-340.","DOI":"10.2307\/249008"},{"key":"key2020122521300490200_b12","unstructured":"Dyrud, M.\n (2006), \u201cI brought you good news. 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