A New Model to Identify the Reliability and Trust of Internet Banking Users Using Fuzzy Theory and Data-Mining

Hamid Bekamiri, Seyedeh Fatemeh Ghasempour Ganji, Biagio Simonetti and Seyed Amin Hosseini Seno
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Hamid Bekamiri: Business School Department, Aalborg University, Fredrik Bajers Vej 7K, 9220 Aalborg East, Denmark
Seyedeh Fatemeh Ghasempour Ganji: Department of Management, Ferdowsi University of Mashhad, Azadi Square 9177948974, Iran
Biagio Simonetti: Department of Law, Economics, Management and Quantitative Methods, University of Sannio, 82100 Benevento, Italy
Seyed Amin Hosseini Seno: Department of Computer Engineering, Faculty of Engineering, Ferdowsi University of Mashhad, Azadi Square 9177948974, Iran

Mathematics, 2021, vol. 9, issue 9, 1-16

Abstract: As a result of changes in approach from traditional to virtual banking system, security in data exchange has become more important; thus, it seems essentially necessary to present a pattern based on smart models in order to reduce fraud in this field. A new algorithm has been provided in this article to improve security and to specify the limits of giving special services to Internet banking users in order to pave appropriate ground for virtual banking. In addition to identifying behavioral models of customers, this algorithm compares the behaviors of any customer with this model and finally computes the rate of trust in customer’s behavior. The hybrid data-mining and knowledge based structure has been adapted in this algorithm according to fuzzy systems. In this research, qualitative data was gathered from interviews with banking experts, analyzed by Expert Choice to identify the most important variables of customer behavior analysis, and to analyze customer behavior and customer bank Internet transaction data for a period of one year by MATLAB and Clementine. The results of this survey indicate that the potential of the given structure to recognize the rate of trust in Internet bank user’s behavior might be at reasonable level for experts in this area.

Keywords: security; data-mining; fuzzy system; behavior of users (search for similar items in EconPapers)
JEL-codes: C (search for similar items in EconPapers)
Date: 2021
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