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III. the potential business benefits of applying cloud applications in banking. The Unified Theory of Acceptance and Use of Technology Model (UTAUT), the perceived ease of use (PEOU) and perceived usefulness (PU) were used as the research framework which formed the basis for conducting a survey to gather data on cloud computing technology. A questionnaire based survey was carried out and thirty-three (33) out of the expected fifty (50) feedbacks were received from various respondents. The results however asserted that despite the growth and security solutions of cloud computing, banking institutions are not adopting and using the technology as a core banking systems due to the perceived vulnerabilities which pose security threats to sensitive banking data and clients information. The various findings of this study and research recommendations are detailed in the following reports Keywords: cloud computing, Security, Confidentiality, Privacy, solution, bank</text>
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                <text> Dr. Ezer Osei Yeboah-Boateng </text>
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                <text>All performing internal audit function is one of the strongest means to monitor and promote good governance system in an organization. In connection to this, survey is conducted on selected public enterprises Findings reveal that, the existing IAF in the public sector has less satisfactory involvement to assess the effectiveness of governance structure due to lack of resources, poor leadership for IAF, absence of appropriate frame work to measure IAF performance and lack of competent personnel.</text>
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