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Due to widespread internet access, deployment of internet banking systems has expanded exponentially. Banking on the internet has notable advantages, particularly in terms of convenience however, safety remains a major concern. Several different crimes have been committed against internet banking sites during the last few years, electronic robbery being one of the most common. As a result, several studies have recently been undertaken to better understand the safety issues of internet banking. Yet, to the best of our knowledge, none of the studies compare the safety of internet banking systems between Cambodia and Thailand. Hence, this paper proposes to comparatively study the safety issues of internet banking of three separate banks in Thailand and three banks in Cambodia. The study was done by observing the strength and weakness of the internet banking services by deploying every step of a transaction. The observation criteria were specified by integrating the knowledge from the following: analyzing past internet banking crime cases, following the guideline of the safety standard and analyzing previous literature. From our observations, we found some strengths and weaknesses in both of the countries. This study provides some meaningful guidelines that address the system's comparative strengths and weaknesses. [ABSTRACT FROM AUTHOR]

Mobile banking (m-banking) is an online banking service via a smartphone application. It is an alternative to internet banking (i-banking), which uses a web based application via a web browser. เท comparison to i-banking, m-banking has been seen as safer and securer. However, several bank-hacking crimes have been reported during the last few years. So, several previous studies analyzed the i-banking security/safety issues. Yet, most of them have not yet focused on m-banking. Some of them have investigated m-banking only on the technical (security) merits but not the management (safety) side. Significantly, most of them have not yet analyzed according to the following critical points occurred crime cases, detailed observation on the real services, experiments to break the real mobile banking systems on the user side. Hence, in this paper, we propose to analyze both safety & security and cover all the aforementioned significant points. By investigating six banks in Thailand, we have found several weaknesses of the m-banking systems. The contribution from this work can provide direction to improve the security and safety of the m-banking systems. [ABSTRACT FROM AUTHOR]