Information Security concerns in Digital Services: Literature review and a multi-stakeholder approach

Despite the proliferation of technology enabled services, customer adoption of digital services like e-banking and m-banking is very low. Security concerns pertaining to these services are considered to be one of the most crucial factors to deter an end user to use the service. Efforts have been made in this study to list down various possible security concerns from a multi-stakeholder perspective, namely the perspectives of the end user and the service provider. While some generic findings have been established through the review of literature regarding digital services, greater focus has been given to a detailed exploration of technology enabled banking services like e-banking and m-banking.