Table 1: Locally incorporated licensed banks in Hong Kong, July 2008 20
Table 2: Hong Kong online banking sites and traffic rankings, July 2008 21
Table 3: Number of customers regarding bank as main online banking institution, July 2008 22
Table 4: Top seven non-Hong Kong locations for visitors of Hong Kong online banking sites, 2008 24
Table 5: Different Hong Kong banks offer different 2FA solutions 27
Table 6: Advantages and disadvantages of different 2FA solutions 27
Table 7: Mobile phone subscribers per 100 inhabitants in selected countries, 2007 52
Table 8: Internet users per 100 inhabitants in selected countries, 2007 52
Table 9: Proportion of Hong Kong households with PC and internet, 2000–07 53
Table 10: Proportion of Hong Kong businesses with website and internet, 2000–07 53
Table 11: Broadband subscribers in Hong Kong, 1998–2007 54
Table 12: Proportion of Hong Kong residents that have used the internet in last 12 months, 2000–07 54
Table 13: Proportion of Hong Kong internet users who name electronic business services as major purpose of internet, 2001–07 55
Table 14: Online banking customers in Hong Kong, 2002–08 55
Table 15: Different types of bank deposits in Hong Kong, April 1997–November 2003 56
Table 16: Different types of bank deposits in Hong Kong (continued), December 2003–April 08 57
Table 17: E-readiness score for top 10 countries in 2007, 2006–07 58
Table 18: Location of visitors to Hong Kong banking sites, June 2008 58
Table 19: Market shares of online banking customers in Hong Kong, 2008 59
Table 20: Factors prospective online banking customers look for, 2005 59
Table 21: The Global Unisys Security index, 2007 59
Table 22: The Hong Kong Unisys Security index, May 2007–08 60
Table 23: Forecasted online banking customer numbers in Hong Kong, 2002–11 60
Figure 1: Online banking customer numbers have grown strongly since 2002, 2002–08 2
Figure 2: HSBC has a dominant market share of online banking customers in Hong Kong, 2008 4
Figure 3: Mobile phone subscription rates are high in Hong Kong, 2007 10
Figure 4: Internet usage is prevalent in Hong Kong, 2007 11
Figure 5: Internet penetration has increased strongly in Hong Kong over the last seven years, 2000–07 12
Figure 6: The elder generations of Hong Kong residents are less likely to use the internet, 2000–07 13
Figure 7: Internet access and website propensity have increased in Hong Kong businesses, 2000–07 14
Figure 8: Broadband subscription in Hong Kong has increased strongly, 1998–2007 15
Figure 9: A rising proportion of Hong Kong internet users access electronic business services, 2001–07 16
Figure 10: Online banking customer numbers have grown strongly since 2002, 2002–08 17
Figure 11: Bank deposits have grown strongly in Hong Kong over the last decade, 1997–2008 18
Figure 12: Hong Kong ranks among the world’s most advanced nations in terms of ICT, 2006–07 19
Figure 13: HSBC has a dominant market share of online banking customers in Hong Kong, July 2008 22
Figure 14: Visitors to Hong Kong banking sites come from different countries, 2008 23
Figure 15: Hardware tokens are offered for two-factor authentication in Hong Kong 25
Figure 16: 2FA affects the key factors of online banking for both customers and providers 28
Figure 17: The main steps in SMS based two-factor authentication 30
Figure 18: The BEA online demonstration tour shows the services available online, June 2008 38
Figure 19: The online channel is the cheapest for banks and the most convenient for customers 41
Figure 20: Online banking customer numbers will increase over the next three years, 2002–11 43
Figure 21: Security is paramount for prospective online banking customers, 2005 44
Figure 22: Hong Kong residents are concerned about security, 2007 45
Figure 23: Security concerns in Hong Kong have increased somewhat since May 2007 46
Figure 24: Banks should work on improving both real and perceived security 47
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