Gaurav Bhalla Capstone Project

7/29/2019 Gaurav Bhalla Capstone Project

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Research Project

TOPIC: INFORMATION SECURITY IN BANKING SECTOR

Submitted to Lovely Professional University

In partial fulfilment of the requirements for the award of degree

of

MASTER OF BUSINESS ADMINISTRATION

Submitted by: Supervisor:

Group No Q-58 Miss Japneet kaur

Gaurav BhallaRoll No A01 Lecturer, Lovely Professional University

DEPARTMENT OF MANAGEMENT

LOVELY PROFESSIONAL UNIVERSITY

2012


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TO WHOMSOEVER IT MAY CONCERN

This is to certify that the Synopsis titled information security in banking sector carried out

by Mr. Gaurav bhalla S/o Dr. Vijay bhalla has been accomplished under my guidance &

supervisions a duly registered MBA student of the Lovely Professional University, Phagwara.

His Synopsis represents his original work and is worthy of consideration for making for

research project

___________________________________

(Name & Signature of the Faculty Advisor)

Date: 27 April 2012


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DECLARATION

I GAURAV BHALLA, hereby declare that the work presented herein is genuine work done

originally by me and has not been published or submitted elsewhere for the requirement of a

degree program. Any literature, data or works done by others and cited within this synopsis has

been given due acknowledgement and listed in the reference section.

GAURAV BHALLA

(Students name & Signature)

Date: 27 APRIL 2012


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PREFACE

Give a man a fish, he will eat it.Train a man to fish, he will feed his family.

The above saying highlights the importance of Practical knowledge. Practical training is an

important part of the theoretical studies. It is of an immense importance in the field of

management. It offers the student to explore the valuable treasure of experience and an

exposure to real work culture followed by the industries and thereby helping the students to

bridge gap between the theories explained in the books and their practical implementations.

Research Project plays an important role in future building of an individual so that he/she can

better understand the real world in which he has to work in future. The theory greatly enhances

our knowledge and provides opportunities to blend theoretical with the practical knowledge.

We have completed the Research Project on Information security in banking sector. We

have tried to cover each and every aspect related to the topic with best of my capability.

We hope research would help many people in the future.

GAURAV BHALLA


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ACKNOWLEDGEMENT

I take this opportunity to express my deepest gratitude to my manager and project guide Mr.

Sahil Rampal (Asst. Professor, Department of Management, LPU) for his able guidance and

support in this phase of transition to this academic life. His support and valuable inputs helped me

immensely in completing this project. I am also grateful to Ms. Japneet kaur dhillon (lecturer ,

Department of Management, LPU) for guiding me through the research portion of the project

and for making me understand the concepts of Research work and the technicalities of tests being

applied. I extend my heartiest thanks to Mr. Suresh Kashyap (HOD, Lovely School of

Management, LPU) for giving me the opportunity to undergo this Research Project. I shall be

failing in my duty if I dont express my heartiest thanks to my respected parents for providingme every kind of support during the completion of this Project. Last but not the least, I would be

honourable to thank all my sincere friends and the people at Lovely Professional University

for being so cordial and cooperative throughout the period of this research and at last how can I

forget GOD the almighty who is helping everybody at every step.

GAURAV BHALLA


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TABLE OF CONTENTS

1. Acknowledgement

Declaration

Preface Executive Summary

1 CHAPTER: Introduction to the Topic

Introduction Information security Definition

2. CHAPTER: Review of Literature

3 . CHAPTER: Need, Objectives, Scope and Methodology

3.1 Need of the Study

3.2 Scope of the Research

3.3 Research Objectives

3.4 Research Methodologies

4. CHAPTER: Objectives Analysis and Findings

5. CHAPTER: Limitations, Conclusion and Recommendations

5.1 Conclusion

5.2 Limitations

5.3 Recommendations


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6 CHAPTER: References

7 CHAPTER: Appendix

7.1 Questionnaire

7.2 Glossary


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CHAPTER I

INTRODUCTION OF THE TOPIC


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INTRODUCTION

Information - As an asset

Information is an asset that, like other important business assets, is essential to a organizations

business and therefore needs to be updated regularly and suitably protected. Since most of the

businesses in the present and recent past have been electronically connected in networks, the IS

and its management plays a major role. As a result of this existing and ever-increasing

interconnectivity, information is now exposed to a growing number and a wide variety of threats

and vulnerabilities.

Businesses are vulnerable to various kinds of information risks inflicting varied damage and

resulting in significant losses. This damage can range from errors harming database integrity to

fires destroying entire computer centres or facilities. To control IS risks, the management needs to

anticipate and be aware of the potential threats, risks and resultant loss and accordingly deploy the

necessary controls across the environment.

IS is the protection of information from a wide range of threats in order to ensure business

continuity, minimize business risk, and maximize the return on investment (ROI) and thereby

extend the business opportunities.

Definition- The protection of information and information systems against unauthorized access

or modification of information, whether in storage, processing, or transit, and against denial

of service to authorized users. Information security includes those measures necessary to

detect, document, and counter such threats. Information security is composed of computer

security and communications security also called INFOSEC.

Security is like oxygen; when you have it, you take it for granted,

But when you dont, getting it becomes the immediate and pressing priority

- Joseph Nye, Harvard University.

An IS Risk can be defined as any activity or event which threatens the achievement of identified

business objectives by compromising


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Importance of the Study

All organizations today face a certain level of security risk. In fact, the deployment of technologies

such as Intrusion Detection and Monitoring acknowledges that a certain level of suspicious or

malicious activity is likely to get through. It also acknowledges that there are internal threats

(maybe from disgruntled employees, or simply human error) which have to be countered with skill

and imagination.

It is important to recognize that all organizations accept some level of risk. Risk is, after all, a trade

off

between the amount of money you wish to spend on counter-measures, against the perceived level of

threat

and vulnerability, toprotect the estimated value of your assets. The important thing is that

risk is

identified, and either a) mitigated, b) transferred, c) insured, or d) clearly documented as a risk

acceptance.


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Security risk is also heavily influenced by time. For example, if a new virus is released, for which no

patch is available, then the rate of infection is critical. All organizations are subject to security threats, as

these expose their


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Vulnerabilities. For this increases significantly with factors, such as their need to dobusiness over the Internet, the profile of the organization, and the value of their assets. High profile

Corporations are under constant threat because of the possible infamy associated with security breaches .

Some of the key threats to organizations include:

Virus, Trojans and Worms Phishing Email SPAM Web Site Defacements Denial of Service Attacks (DoS) Spoofing Identity theft War walking, War driving, etc., (Wireless Network Threats) Theft of information (e.g. credit card details, source code, biotechnology

Secrets), etc.

Hence, this study may prove important and extremely significant as it would provide better insights

with regards to updating security personnel. This would definitely enable them to handle any kind of

security issues at any given point of time.

THREE PILLAR OF INFORMATION SECURITY

Confidentiality

Integrity

Availability


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IMPORTANCE OF INFORMATION SECURITY IN BANKING SECTOR

Information is at the heart of todays business, and the all-pervasive impact of Information Technology

in harnessing, collating and processing huge volumes of information is definitive. In this scenario, the

need for ensuring that information is kept confidential adhering to accepted norms of privacy and

making it available to authorized users at the appropriate time assumes great significance. This is

particularly valid for the banking sector where day-to-day operations are cantered oninformation and information processing, which in turn is highly dependent on Technology. This

conference on Security Framework in Indian Banks jointly organized by the Indian Banks

Association, the Data Security Council of India in collaboration with the Institute for

Development and Research in Banking Technology as the Knowledge partner is thus not only

appropriate but also of topical relevance to banks.

Banking as a business involves the management of risks based on a repository of trust extended by the

customers. If this objective has to be accomplished, it becomes imperative for all security

concerns especially customer sensitive data to be addressed in an effective way so as to ensure that the

trust levels are well preserved and information assets perform the role that they are supposed to. While

every banker understands the implications of financial risks, the risks arising out of the large scale

implementation oftechnology and IT is not so well defined. Security in banks thus assumes

significant proportions, comprising physical security in addition to the factors relating to security of

Information and Information Systems, all of which have an impact on the reputational risk faced by

banks.

Technology implementation has benefited the banks also due to the facilitation of the Reserve Bank -

both from the operational and legal perspectives. In addition, the Reserve Bank had provided the broad

framework for many innovative technology based systems. The guidelines on Internet Banking, and theGuidelines for Information Systems Security Audit in 2001 were early initiatives aimed at ensuring safe

and secure technology based operations by banks. Keeping pace with time and marshalling

international practices, RBI has issued broad guidelines on mobile banking and prepaid (stored) value

cards. These, along with the setting up of systemically important payment and settlement systems such

as Real Time Gross Settlement System (RTGS) and other retail payment systems like the Electronic

Clearing Systems (Credit and Debit Clearing), the National Electronic Funds Transfer (NEFT) System,

National Electronic Clearing System (NECS), Regional Electronic Clearing System (RECS), have

transformed the way ofbanking and todays customers have a wide array of options to choose from.All these have safety and security at the heart of the respective systems

A major area where IT security assumes significance pertains to the transmission of information using

IT as a channel for communication. Traditionally, paper based systems have been subject to certain

controls


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to ensure that the basic requirements pertaining to genuineness, authenticity, etc. are met with.

These included verification of signatures, ensuring that there are no corrections, or if there are

corrections, these are authenticated properly and so on. In the IT-based scenario, these aspects gain

greater importance not only because of the speed with which IT based electronic information flows

but also on account of the potential havoc that could arise on account of incorrect instructions.

History of information security

IS Management - A Concept

IS Management is the process used to identify and understand risks to the Confidentiality,

Integrity, and Availability of Information and Information Systems.

Phase Shift of IS

The role of IS has changed during the past few years. The Traditional definition of protecting networks

and the data centres has undergone a shift in focus resulting in the enablement of the businesses with

security solutions actually moving the business forward or even to the next step. Security is now a way

of life and a must-do for businesses in order to survive. Hence, it has become obvious that,

wherever the information goes, security follows no longer can IS be an afterthought. An increased

need for efficiency and productivity, reducing costs, reaching multiple markets and faster time-

to- market are few business benefits which are driving organizations to make IS a part of the

organizational DNA.

Scope of IS

IS Management defines the controls we must implement to ensure we sensibly manage computer related

risk.

Security Management process

IS is the protection of information from a wide range of threats in order to ensure business

continuity, minimize business risk, and maximize return on investments and businessopportunities. A basic IS model should encompass Confidentiality, Integrity and Availability;

however there are also additions such as Accountability and Audit ability. In other words the objective

and focus of the IS Management is to protect and manage the Information assets.


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HOW IS INFORMATION SECURITY APPLICABLE TO BANKS?

"IS is definitely a journey, not a destination--there are always new challenges to meet."

-- Chief IS officer at a major financial services corporation

Banking Institutions have become critical centres of gravity. A collapse in the banking

Institution can lead to collapse in the banking sector and cause a huge setback to economy of the

nation, which would also concern world at large. This makes them more attractive targets for

potential adversaries. Potential adversaries could be either malicious or non-malicious. Among

them alicious adversaries would be hackers (including phreakers, crackers, and pirates),

terrorists/ cyber terrorists, organized crime, other criminal elements, competitors and disgruntled

employees. On the other hand, careless or poorly trained employees would be non-malicious

adversaries who either through lack of training, lack of concern, or lack of attentiveness, poses

a threat to the Information Systems. Adversaries would employ attack techniques that could be

classified as passive or active, insider, close-in or distribution attacks. Some of them explained

below. Passive attacks involve passive monitoring of communications sent over public media and

include monitoring plaintext, decrypting weakly encrypted traffic, and password sniffing and

traffic analysis.

TYPES OF ATTACKS

Circumvent or break security features

Introduce malicious code (such as computer viruses, Trojan or worms)

Subvert data or system integrity

Modify data in transit

Replay (insertion of data)

Hijack sessions

Masquerade as authorized user

Exploit vulnerabilities in software that runs with system privileges

Exploit network trust

Set in denial of service


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CHAPTER II

REVIEW OF LITERATURE


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REVIEW OF LITERATURE

The chapter provides further insights regarding the traditional definition of ISand Risk

Management alongwith its historical background. This also puts light on the makeover or the

phase shift which has occurred in the field of IT. Thechapter also defines the scope of

Information Systems and IS. The literature review shows how the IS and Risk Management is

applicable to the banks. Why is it essential to take the responsibility and subdue the threats

causing the financial losses to the business sector as well as to the national and world economies?

In order to achieve this feat it becomes even more important to understand what kinds of attacks

are possible and the manner in which they should be dealt with? Due to the scope and limited

constraint, this academic research is unable to throw light on all the threats or mention the

remedies for them. But, even so, a wide range of threats have been mentioned below with

some actual facts. The literature review also attempts to focus on the computer frauds that haveoccurred and their repercussions. It also points out the reason why computer crimes are difficult

to prove in a court of law. The types of computer crimes, their impacts or effects and the victims

are explained in the review. The review also focuses on drawing the readers attention towards

the understanding of IS at length. The focus area for all the organizations, including banks, is the

IT spending pattern.

Ganesan and Vivekananda (2009)

Described a secured hybrid architecture model for the internet banking using Hyper elliptic curve

cryptosystem and MD5 is described. Information about financial institutions, their customers, and

their transactions are, by necessity, extremely sensitive; thus, doing business via a public network

introduces new challenges for security and trustworthiness. Given the open nature of the Internet,

transaction security is likely to emerge as the biggest concern among the e-banks account holders.

The rapid growth in account hijacking and online fraud are on the rise. The negative publicity

damages consumer trust in the online service.


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Sayar and Wolfe, (2007).

A majority of studies highlight the fact that security is the biggest single concern for customers when

faced with the decision to use internet banking. Security has always been an issue, but its scope has

changed from mere doubts about the privacy of personal information to worries offinancial loss the

selection of an internet banking service provider is effected by security, reliability and privacy.

Security, which involves protecting users from the risk of fraud and financial loss, has been

another important issue in safe use of the internet when conducting financial transactions in Saudi

Arabia.

Abdulwahed and Yaqoub,( 2006)

The banking sector was reluctant to use e-commerce applications as they felt that transactions

conducted electronically were open to hackers and viruses, which are beyond their control. As

well as convinced that online services are a mixture of customer insecurities, technology

investment costs and a lack of market readiness have all conspired to make e-banking

unattractive

White and Nteli (2004)

Study of online banking, potential customers ranked Internet security and customers privacy as

the most important future challenges that banks are facing. Perceived usefulness, perceived Web

security has a strong and direct effect on acceptance of internet banking, too. A high level of

perceived risk is considered to be a barrier to propagation of new innovations (Ostlund, 1974).

Influenced by the imagination-capturing stories of hackers, customers may fear that an

unauthorized party will gain access to their online account and serious financial implications will

follow.

Friedman et. al (2002)

The principal characteristics that inhibit online banking adoption are security and privacy. An

interview held on web security and showed four screen shots of a browser connecting to a website

and asked participants to state if the connection was secure or not secure and to affirm the motivating

factor for their appraisal. It was discovered that about 72 participants cannot tell if a connection is secure

Security and Privacy.


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Pavlou (2001).

Now days uptake of EC applications in the banking industry is very slow only because of

security and data confidentiality issues have been a major barrier. Security and privacy are one of

the most challenging problems faced by customers who wish to trade in the e-commerce world.

Security in the form of keeping customer safe from an invasion of their privacy, affects trust and

satisfaction. If company wish to maintain customer trust, they need to keep their promises

regarding security and privacy. Since security is closely related to trust, violations of security

norms may backfire in terms of losing customers and negative word of mouth. Security

perceptions are defined as the subjective probability with which consumers believe that their

private information will not be viewed, store and manipulated during transit and storage by

inappropriate parties in a manner consistent with their confident expectations.


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CHAPTER III

NEED, OBJECTIVE, SCOPE AND

METHODOLOGY


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NEED & SCOPE

Need of information security in banking sector:

For prevention and protection of these biggest issues in banking sector,

-Cyber Attacks

-Data Loss Prevention

-Identity and Access Management

SCOPE of the Study

IS is a continual imperative for banks as vulnerabilities in IS Information Availability arecontinuously being exploited in new ways. Security of new technologies channels need to be

focused, for e.g.-commerce, online banking and debit cards. This becomes even more

essential in the light of increase in fraud related losses in these areas along with the existing

technologies and manual transaction processing risks. Banks have always been and are one of the

most important targets for hackers, crackers and cyber criminals, as IS breach may lead to

potential losses. These losses may lead to downfall of the banking industry and thus have its

impact on the economy.

The actual losses on account of ISissues are difficult to estimate. However, 639 companies that

responded to the 2005 CSI/FBI Computer Crime and Security Survey reported total losses of

$130 million with viruses, unauthorized access and theft of proprietary information accounting

for 80% of it. Given the risks, IS should be a top priority of any organization and not just for

its IT department.


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RESEARCH OBJECTIVES

1. To determine the factors which play the important role in information security

2. To Check the effectiveness of information security used in Banking Sector.

3. To know about how information security policies of bank impacts to the customer perception.

RESEARCH METHODOLOGY

Type of study:

The study will be exploratory in nature. The study will give a tentative idea about the situation. The study

will be conducted to understand the basic information security risk and their controlling measures in

banking sectors.

Data Collection Procedures:

Primary data:

Questionnaire is used to collect primary data from respondents. The questionnaire is structured type and

contained questions relating to need and security of information in banking field.

Secondary data:

Articles from journals, magazines published from time to time.

Through internet.

Tools

Questionnaire

PublicInteraction


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CHAPTER IV

DISCUSSION ON OBJECTIVES AND

FINDINGS


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CUSTOMER ANALYSIS PART

Q.No-1 In which bank you have an account.

INTERPRETATION

Above chart shows that out of 50, 15 people have opened their account in private bank and 35

people in public bank.

Q.No-2 Are you satisfied with security policy of your bank.

INTERPRETATION

Above chart depicts that out of 50, 30 customer has said that they satisfied with the security policy

of bank, 20 customer has said that they do not satisfied with the security policy of bank.

60%

40%

satisfaction

Yes No

70%

30%

Banks Preference by customer

Public Private


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Q.No-3 Data security in your bank is well managed by proper use of login facility.

INTERPRETATION

Above chart depicts that out of 50, 10 customer are strongly Agree,20 customer are agree,5

customer are Neutral,12 customer are Disagree, and 3 customer are strongly disagree with the

proper security of login facility.

Q.No-4 Does the bank provided Proper security to the database against viruses

INTERPRETATION

Above chart shows that out of 50,45 customer has said that banks provided proper security to

database against viruses and rest of 5 has said that banks are not provided proper security to

database against viruses.

58%23%

10%

9%

0%

Sales

1st Qtr 2nd Qtr 3rd Qtr 4th Qtr

90%

10%

Column3Yes No


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Q.No-5 Your bank keeps proper mechanism to manage back date entries or transactions.

INTERPRETATION

Above chart shows that out of 50,48 customer has said that their banks keep proper mechanism to

manage back date entries or transactions and only 2 customer has said that no.

Q.No-6 Your banks all entries in Information Security are as per banking standards

INTERPRETATION

Above chart shows that out of 50,32 customer has said that yes their all entries in Information

Security are as per banking standards and 18 customer has said that no.

96%

4%

Sales

Yes No

64%

36%

Column1

Yes NO


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QUESTIONS FROM THE EMPLOYEES

Q1:The banks security roles and responsibilities are defined according to banks

information security policy.

INTERPRETATION:

According to our research only 5 percent banks employee says that roles and responsibilities are

not defined and rest of all is agreeing with the same, it will shows that mostly implementation of

policy are perfect regarding information security and bank are more conscious and alert for the

security purpose.

Q2: The banks security policy makes it clear that all assets must be protected fromunauthorized access.

INTERPRETATION:

According to our research all banks employee are agreed and accepted that their assets are well are

protected from unauthorized access , hence it will shows that how maintain confidentiality ,

integrity and availability

YES NO

45

5

Series 1Series 1

100%

0%

Sales

YES NO


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Q3: Does the bank verify the applicants curriculum vitae (resume) while recruiting staff?

INTERPRETATION

According to our research 60% bank duly verify their employee cv Rest 40% (mostly private

organization) sometime not verify they simply checks certificates and id proof but not verify that it

is authentic or not or duplicate, this is the major cause of loosing of information security.

Q4: What database technologies does the Bank use?

INTERPRETATION:

According to our research mostly finacle are using now a days in mostly banks but Banks have a

mixture, they have more than just checking accounts, there are all kinds of loans, leases,

investments, etc so they have multiple systems. We have Windows, solaris, redhat, some

mainframe stuff even some old AIX, etc. ,Lot of EMC, Oracle, Vmware, etc.

YES

NO

30

20

Series 1

Series 1

12 11

15

12

ORACLE MICROSOFT SQL FINACLE OTHER

Series 1

Series 1


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CHAPTER V

LIMITATION, CONCLUSION

AND RECOMMENDATION


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LIMITATIONS

A bank should take appropriate measures to identify and authenticate users or IT assets. The

required strength of authentication needs to be commensurate with risk. Common techniques forincreasing the strength of identification and authentication include the use of strong password

techniques (i.e. increased length, complexity, re-use limitations and frequency of change) and

increasing the number and or type of authentication factors used.

The examples where increased authentication strength may be required, given the risks involved

include : administration or other privileged access to sensitive or critical IT assets, remote access

through public networks to sensitive assets and activities carrying higher risk like third-party fund

transfers, etc. The period for which authentication is valid would need to be commensurate with

the risk.


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CONCLUSION

In my all research project we all are found that all banks use security tools to prevent the data from

the unauthorized access. After doing the research we find that all banks provided proper security to

database against viruses all banks employee are agreed and accepted that their assets are well are

protected from unauthorized access. But due to lose of data we suggest to bank take appropriate

measures to identify and authenticate users or IT assets. Use Common techniques for increasing the

strength of identification and authentication include the use of strong password techniques (i.e.

increased length, complexity, re-use limitations and frequency of change) and increasing the

number and/or type of authentication factors used.Scanning tools need to be used against all

systems on their networks on a periodic basis, say monthly or weekly or more frequently. All

employee data or cv verify very effective way because they also a reason to lose of information.


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SUGGESTIONS

Automated vulnerability scanning tools need to be used against all systems on their networks on a

periodic basis, say monthly or weekly or more frequently.

Banks should ensure that vulnerability scanning is performed in an authenticated mode (i.e.,

configuring the scanner with administrator credentials) at least quarterly, either with agents

running locally on each end system to analyze the security configuration or with remote scanners

that are given administrative rights on the system being tested, to overcome limitations of

unauthenticated vulnerability scanning.

Banks should compare the results from back-to-back vulnerability scans to verify that

vulnerabilities were addressed either by patching, implementing a compensating control, or by

documenting and accepting a reasonable business risk..

Vulnerability scanning tools should be tuned to compare services that are listening on each

machine against a list of authorized services. The tools should be further tuned to identify changes

over time on systems for both authorized and unauthorized services.

The security function should have updated status regarding numbers of unmitigated, critical

vulnerabilities, for each department/division, plan for mitigation and should share vulnerability

reports indicating critical issues with senior management to provide effective incentives formitigation.

Each dimension of the IT security risk management framework can be measured by at least one

metric to enable the monitoring of progress towards set targets and the identification of trends.

The use of metrics needs to be targeted towards the areas of greatest criticality. Generally, it is

suggested that effective metrics need to follow the SMART acronym i.e. specific, measurable,

attainable, repeatable and time-dependent.


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RECOMMENDATIONS

Secure attendance of outsiders with relevant expertise. Ratifying that the business strategy is indeed aligned with IT strategy Use Intrusion Detection and Prevention System (IDS and IPS) - IPS products that have

detection capabilities should be fully used during an incident to limit any further impact

on the organization. IDS and IPS products are often the primary source of information

leading to the identification of an attack. Once the attack has been identified, it is essential

to enable the appropriate IPS rule sets to block further incident propagation and to support

containment and eradication.

Failure of critical systems, or interruption of vital business processes, could preventtimely recovery of operations.

Security measures against Malware At host level At network level At user level E-banking systems should be designed and installed to capture and maintain forensic

evidence in a manner that maintains control over the evidence, and prevents tampering

and the collection of false evidence.

Network Behaviour Analysis (NBA) - Network wide anomaly-detection tools willprovide data on traffic patterns that are indicative of an incident. Once an incident has

been identified through the use of these tools, it is important to capture that information

for the purposes of supporting further mitigation activities, including operational

workflow to ensure that the information from these tools is routed to the appropriate

response team.


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CHAPTER VI

References


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REFERENCES

Sayar and Wolfe, (2007),studies highlight the fact that security is the biggest single concern

forcustomers,journalofservicemarketing,vol.12,no.5,pp.334-347availableaturl:http://www.inf

ormationsecutrty.com/Insight/ViewContentServlet?contentType=Article&Filename=Publishe

d/EmeraldFullTextArticle/Articles/0750120501.html

Abdulwahed and Yaqoub,( 2006), a Survey of Internet users'use e-commerce applications,journal of interactive marketing, vol. 13, no. 3, pp. 34-54, Series No 54. Available at url:http://www3.ecommerce.com/journal/70002580

White and Nteli (2004),. Journal ofStudy of online banking,, Vol. 40, Iss. 1/2, p. 29-34 (6 pp.)

Friedman et. al.,(2002)Web users online banking adoption are security and privacy towardonline advertising, International Journal of Internet Marketing and Advertising, vol.4,no.4,Pp.281-301. Available aturl:http://indersonlinebanking.com/app/home/contribution.asp?referrer=parent&backto=issue,1,5;journal,2,15;linkingpublicationresults,1:110872,1

Pavlou (2001).Web advertising uptake of EC applications in the banking industry, Journal ofConsumer Marketing, vol. 18, no. 2, pp. 134-152.availableat url:http://www.ecapplicationt.com/Insight/ViewContentServlet?contentType=Article&Filename=Published/EmeraldFullTextArticle/Articles/0770180204.html

Electronic books:

Information security awareness initiatives: Current practice and the measurement of

success, 2007, available at url

http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_measuring_awareness.pdf

Raising Awareness in Information Security - Insight and Guidance for Member States,

2005,available at url

http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdf

Heiser, Jay, Understanding data leakage, Gartner, 21 August 2007.

BankInfoSecurity.com, 8 September, 2008
http://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdfhttp://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdfhttp://inderscience.metapress.com/index/477721224870J425.pdf


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Websites:

http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_measuring_awareness.pdf

http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdf

Article:

BERR,2008 Information Security Breaches Survey,2008, available aturl

http://www.security-survey.gov.uk(last visited on 22 July 2008).

Data-leak security proves to be too hard to use, Infoworld.com, available at

http://www.infoworld.com/article/08/03/06/10NF-data-loss-prevention

problem_1.html (last visited on 2 June 2008).

http://www.bankinfosecurity.com/articles.php?art_id=960andrf=090908eb

Glossary:

IS- Information security
http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_measuring_awareness.pdfhttp://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdfhttp://www.security-survey.gov.uk/http://www.infoworld.com/article/08/03/06/10NF-data-loss-preventionhttp://www.infoworld.com/article/08/03/06/10NF-data-loss-preventionhttp://www.bankinfosecurity.com/articles.php?art_id=960andrf=090908eb/http://www.bankinfosecurity.com/articles.php?art_id=960andrf=090908eb/http://www.infoworld.com/article/08/03/06/10NF-data-loss-preventionhttp://www.security-survey.gov.uk/http://www.enisa.europa.eu/doc/pdf/deliverables/enisa_cd_awareness_raising.pdfhttp://www.enisa.europa.eu/doc/pdf/deliverables/enisa_measuring_awareness.pdf


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CHAPTER VII

APPENDIX


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APPENDIX

QUESTIONS FOR BANKS CUSTOMER

Name Age

Bank Name Location.

Q1- In which bank you have an account?

A. Public Bank B. Private Bank

Q2-Are you satisfied with security policy of your bank?

A. Yes B. No

Q.3- Data security in your bank is well managed by proper use of login facility.

A - Strongly Agree

BAgree

CNeutral

DDisagree

E - Strongly Disagree

Q.4- Does the bank provided Proper security to the database against viruses.

A. YesB. No

Q.5- Your bank keep proper mechanism to manage back date entries or transactions.

A. YesB. No


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Q.6- Your banks all entries in Information Security are as per banking standards.

A. YesB. No

Q.7 Information Security increases the level of customer satisfaction hence increase insatisfied customerbase.

A - More than 20% every year.

B - 10% to 20% every year.

C - Less than 10% every year.

D - No Increase in Satisfied Customer base.


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QUESTIONS FOR BANK

Emp.Name Bank Name.

Location.

Q1: The banks security roles and responsibilities are defined according to banks information

security policy.

A. Yes B. No

Q2: The banks security policy makes it clear that all assets must be protected from unauthorizedaccess

A. Yes B. No

Q3: Does the bank verify the applicants curriculum vitae (resume) while recruiting staff?

A. Yes B. No

Q4: The bank uses Firewalls and other security tools for the security purposes

A. Yes B. No

Q5: What database technologies does the Bank use?

A. oracle B. Microsoft SQL

C. Finacle (IBM) D. Other

Q6: Your bank provides security against loop false?

A. Yes B. NO

Documents

Gaurav Bhalla Capstone Project