Journal of Internet Banking and Commerce
Vol. 10, No. 3, December 2005
http://www.arraydev.com/commerce/jibc/current.asp

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From JIBC Publisher Nahum Goldmann
http://www.arraydev.com/commerce/jibc/2006-02/0602-Publ.HTM
========================

JIBC started to be published in January 1996. To the best of my
knowledge, ours is the only academic/professional journal that has
been published on Internet for 10 uninterrupted years! Since 1996, the
Internet has seen the start of numerous interesting publications with
issue #1. Out of many thousands, ours is the only one with Vol. 10 in
the byline.

I would like to thank these authors and subscribers who have been with
us for all these 10 years. It was a bumpy ride both for our journal
and the e-Commerce business subject. Both matured considerably since
then, but there is still a long way to go.

Those of you who know Gord Jenkins, JIBC legendary Founding Chief
Editor-Emeritus and Member of Editorial Board (or just know people who
know Gord, or even heard of Gord but never talked to him) -- never
mind, do not hesitate to email Gord and pass your regards. I know that
Gord would much appreciate your personal messages and any nostalgic
feedback. Gord's seasoned but still young face and his email address
grace the recently refreshed JIBC Editorial Board page
http://www.arraydev.com/commerce/jibc/editors.asp.

As well, with JIBC Chief Editor Prof. Nikhil Agarwal, I would like to
greet several recently joined us contributing editors and wish them
(and us) productive editorial contribution and many happy returns for
the JIBC distinguished Editorial Board!

This year the main challenge for JIBC is a smooth transition from a
leading research/professional journal on the subject of eCommerce and
eBanking, to become the world's leader among the peer-reviewed
academic publications. For Prof. Agarwal and JIBC Editorial Board
member Dr. Jean-Michel Sahut, who agreed to spearhead this transition,
it is undoubtedly a challenge.

I have recently visited The Groupe Sup de Co La Rochelle Grande Ecole,
and have had a privilege to present students with the lectures on
profitability models for transactional ecommerce. Jean-Michel Sahut,
as the dean for research of the Sup de Co La Rochelle Group, has his
own number of challenges. Still, I am confident that both Nikhil
Agarwal and Jean-Michel Sahut, together with all other members of the
Editorial Board, will be successful in this difficult transition to
the peer-reviewed JIBC.

Again, I am asking each and every one of you, our readers and
subscribers, to email JIBC to at least 3 of your colleagues, friends
and discussion groups that you are participating at, and recommend
that they also subscribe.

As well, I am challenging all the current and past authors and editors
to email your articles -- along with the rest of JIBC edition -- to at
least 10 of your peers and colleagues in academia, government and
industry. Make sure they are aware of your articles and the Journal of
Internet Banking and Commerce. Recommend that they also subscribe to
email editions. After all, we send it around just 2-3 times a year.

A special appeal to ecommerce/ebusiness students to pass a word about
JIBC to your professors and classmates and, more important, to ask
them to supply new articles and tell everybody to subscribe.

Let's spread the word!


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From JIBC Editor-in-Chief Nikhil Agarwal
http://www.arraydev.com/commerce/jibc/2006-02/Editorial.HTM
=============================================

We are witnessing the dawn of another year of 21st century. 2005 was
instrumental in fuelling up the economic growth across the globe.
Economist and business historians are searching databases to find any
such instance in the history of world economy when bullion, markets
and real estate all three together are going up. A few years back,
nobody had ever dreamt of a new economic world order, polar shift of
markets and redefining of business mantras.

I would like to take this opportunity to welcome three new members on
our editorial board Professor A. M Sherry, India; Professor Bala
Shanmugam, Malaysia and Dr. Arthur J. Cordell, Canada. All the three
members are distinguish scholars in their respective fields. We would
be indeed benefited from their vast experience.

At JIBC we are entering into our 10th anniversary. We are able to
sustain and consolidate our position in business publication over
Internet. I would like to congratulate Nahum Goldmann, Publisher, Gord
Jenkins, founder editor and all readers, authors, contributors for
helping JIBC in maintaining its position. I wish to invite you all to
celebrate the 10 intellectually simulating years of publication.

In this issue, Jonathan Band has given insights on Google Print
Library Project. He has described the difference between Print
Publisher Program and Print Library Project. Our old friend Dave Birch
is as crisp as always, in his article Out of Africa he pointed out the
change in lifestyle because of increasing mobile connectivity in
Africa. Carin Holroyd introduces keitai and thrown the light on the
revolution DoCoMo has bought in Japanese telecom markets. Arumugu in
his article argues the benefits of integrating eCommerce and CRM with
data mining.

Joshua of City University has interesting article to share with
readers of JIBC. He researched on Internet Dating sites and their
profitability. He has tried to find relationship between
African-Americans and White college students. Quite an interesting
read. Hanudin has done a preliminary study on students' perception on
SMS banking in an Malaysian university campus. Despina has introduced
Karayanni scheme on Internet Marketing Strategies in B2B segment.
Carlo & his friends from Brazil have got experiences of Brazilian
banks in service quality. They surveyed 11,936 customers [whossh!!] of
a Brazilian bank, don't miss this article. Javed has given a framework
to implement secure internet/mobile banking system in Iran. Lee in his
article lists out the opportunity and challenges for e-banking in
Malaysia. Finally, Abel has described, in first part of article, the
problem & challenges of regulating Internet Banking in Nigeria.

After reading Dave Birch and Abel articles, I can foresee the next
big-marketplace after India and China. Any guess! of course it's
Africa. We would invite more articles from Africa to give our readers
in-depth analysis of business situation and opportunities.

Till then, keep networked.

Prof. Nikhil Agarwal
SP Jain Institute of Management & Research (SPJIMR)
Mumbai, India


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GENERAL AND REVIEW ARTICLES
==========================

UNITED STATES: The Google Print Literary Project: A Copyright Analysis
(By Jonathan Band)
http://www.arraydev.com/commerce/JIBC/2006-02/Band.htm

On August 11, 2005, Google announced that it would not scan
copyrighted books under its Print Library Project until November, so
that publishers could decide whether they want to opt their
in-copyright books out of the project. Given the confusion in press
reports describing the project, publishers should carefully study
exactly what Google intends to do and understand the relevant
copyright issues


UNITED KINGDOM: Out of Africa
(By Dave Birch and Paul Makin)
http://www.arraydev.com/commerce/JIBC/2006-02/Birch.htm

The two billionth mobile phone has been switched on. There are 350
million mobile phone users in China, and by 2009 it will be 600
million. India has 55 million and is on the same growth trajectory. In
a generation, mobile phones have gone from being yuppie playthings to
consumer mass-market toys, yet the mobile phone revolution is far from
over. We may have become rather blase about it, with our mobile phone
penetration rates over 100%, but then we all had telephones before we
had our first Nokia. In many parts of the world, however, mobile
phones aren't a convenient alternative to landlines but the only means
of communication: they provide connectivity where there was none before.


CANADA: DoCoMo As A Global Force: The Challenge Of Exporting Japanese
Technological Developments
(By Carin Holroyd)
http://www.arraydev.com/commerce/JIBC/2006-02/Holroyd.htm

NTT DoCoMo sparked a veritable revolution in the Japanese mobile
Internet, vaulting the country to global leadership in this crucial
high technology field. Having established a dominant position in the
Japanese market, DoCoMo sought to export its technology and business
model, hoping to capitalize on growing international interest in
telephone-based Internet service. The expansion did not prove as
smooth or easy as DoCoMo anticipated, as the company attempted to
fight through the complex web of national telecommunications
regulations and complex merger and joint venture agreements with a
number of international firms. DoCoMo's experience demonstrated the
formidable challenges involved in internationalizing Japanese
technology and Internet-based services, drawing attention to the
strong connection between DoCoMo's dramatic success in Japan and the
unique needs and opportunities of the Japanese market.


INDIA: Integrating E-Commerce and CRM With Data Mining: A New Era
(By S. Arumuga Perumal)
http://www.arraydev.com/commerce/JIBC/2006-02/crm.htm

Due to the fast development of information technology there is a
remarkable raise in the growth of the new-fangled area data mining,
which leads to revolutionize the business and Customer relationship
management. The aim of this paper is to make an association with
e-commerce, CRM and Data mining. E-commerce is successful only if CRM
is efficient. With out CRM there is no chance of improvement in the
e-commerce. In this paper some suggestions are made to get effective
CRM with data mining, which will help, for the improvement of
e-commerce. Data mining involves the use of data analysis tools, which
include statistical model to discover previously unknown valid
patterns, and relationships in large sets. Also discuss the new method
of e-business strategy for the successful business.


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RESEARCH PAPERS
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UNITED STATES: E-Commerce and Internet Dating Websites: Differences in
Match Options Between African-Americans and Whites
(By Joshua Fogel and Nancy Sardella)
http://www.arraydev.com/commerce/JIBC/2006-02/Fogel.asp

Internet technology has offered many options for online dating. We
studied online dating website capabilities and the relationship
between African-Americans and White college students regarding their
preferences for receiving a weekly list of potential matches via
e-mail, receiving free assistance in enhancing the written portion of
their profile, the ability to sort matches by ethnicity or religion,
and the ability to sort matches based on similar interests.

Traditional dating approaches typically involve a man initiating
contact with a woman. African-American men may have unique
psychological concerns with regard to online dating. They may prefer
to wait for automated information about prospective matches rather
than initially searching online for prospective matches. An
understanding of the gender differences among African-Americans can
help understand if it is necessary to advocate a change in this
behavioural pattern among African-American men.


MALAYSIA: A Preliminary Study on Students' Perception of SMS Banking:
A Case at the Labuan International Campus - University Malaysia Sabah
(By Hanudun Amin, Suddin Lada, Mohd Rizal Abduland Geoffrey H. Tanakinjal)
http://www.arraydev.com/commerce/JIBC/2006-02/SMSBanking.htm

Mobile phones are crucial for those who are busy with daily routine
activities, especially those who are employed as well as students. The
objective of this study is to identify the key points that are
relevant to the students' perceptions of SMS banking by the use of a
survey conducted during July C September 2005. This research used
university students as the sample, namely from Labuan International
Campus-University Malaysia Sabah.


GREECE: The Use of the Internet in Business-to-Business Marketing:
Demographic Characteristics and Intercorrelations Among Internet
Marketing Variables from American and European Companies
(By Despina A. Karayanni and George J. Avionitis)
http://www.arraydev.com/commerce/JIBC/2006-02/greece.htm

In this paper we present some preliminary results from a major
Internet survey that examined the use of the Internet in a firm's
marketing strategies. Specifically, we describe the profile of
business-to-business respondents together with the descriptive
statistics of Internet use intensity, strategic goals, product,
promotion and sales strategies through the Internet. The
inter-correlations among the resulted factor scores of strategic goals
and Internet marketing strategies with product complexity and Internet
use depict some useful conclusions for Internet marketers and researchers.


BRAZIL: Service Quality in Banks: Insights from the Brazilian Experience
(By Carlo Gabriel Porto Bellini, Guilherme Lerch Lunardi and Jorge
Luiz Henrique)
http://www.arraydev.com/commerce/JIBC/2006-02/Bellini.asp

Quality in servicing customers is important for the industry.
Nonetheless, problems in defining such constructs as service quality
and customer satisfaction, along with difficulties in putting into
operation current instruments to measure them, constitute constraints
for practice and research. This paper presents a framework aimed at
addressing the quality of banking services, framework which is based
on customer perceptions surveyed by a consultant firm with 11,936
customers of a Brazilian bank.


IRAN: Implementation of a Secure Internet/Mobile Banking System in Iran
(By Javad Soroor)
http://www.arraydev.com/commerce/JIBC/2006-02/Soroor.asp

Modern fast-evolving technology is constantly bringing new dimensions
to our daily life. In Iran, electronic banking systems provide
customers with easy access to banking services. ATMs, phone banking,
Internet banking, and more recently, mobile banking have considerably
improved the interaction between user and bank. This paper discusses
the security of today's electronic banking systems in Iran. We focus
on Internet and mobile banking and present an overview and evaluation
of the techniques that are used in current Iranian systems. The best
practice is indicated, together with improvements for the future.


MALAYSIA: E-Banking in Malaysia: Opportunity and Challenges
(By Chai Lee Goi)
http://www.arraydev.com/commerce/JIBC/2006-02/GOI.htm

E-banking has to be a delivery channel that replicates and replaces
many of the physical functions a bank currently performs. Hence, the
E-banking now becomes a virtual banking counter that the individual
and corporate customer to carry out the regular activities. Even
E-banking services more to electronic-based, but, it still strongly
support banking activities, therefore communication, transaction and
distribution. There are number of challenges need to be faced by
Malaysian banks, however, the opportunity in this industry is high due
to the current trend especially application and development of ICT.


NIGERIA: Regulating Internet Banking in Nigeria: Problems and
Challenges (Part I)
(By Abel Ebeh Ezeoha
http://www.arraydev.com/commerce/JIBC/2006-02/abel.asp

The emerging trend in Internet banking in Nigeria is of global
concern. For one thing, the Nigerian economy is a strong force in
Africa. The country also has a high reputation for Internet-related
frauds in the world, having been regarded as the headquarters of
Advance Fee Fraud (419). The code "419" is named after Section 419 of
the Nigerian Criminal Code that deals with "obtaining property by
false pretences; Cheating." On the home front, bank frauds, forgeries,
money laundry, insider abuse and erosion of public confidence
constitute a set of disturbing issues in the present-day Nigerian
banking system. This explains why regulation has become of paramount
importance in the entire Internet banking development process.


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=====================
Administrative Notice
=====================

Journal of Internet Banking and Commerce

JIBC is a leading edge publication that informs banking and electronic
commerce professionals and executives on principal developments,
benchmark practices, and future trends in the Internet-based marketing
practices of governments and industry. This free online interactive
journal is a way to keep in touch, to share information, and to
establish business contacts (networking) for worldwide professionals
that specialize in electronic commerce, governance and banking solutions.

In JIBC you will find informed discussion of the latest internet-based
banking and electronic trends and practices from around the world. Our
priority is quality, not quantity. We want to maintain JIBC as a
service that provides substantial information and an effective forum
for your articles, your letters, your insights and ideas.

JIBC invites banking and electronic commerce professionals,
academicians and publishers to submit important announcements,
original articles, guest columns and significant feature
presentations. We also welcome surveys, book reviews and letters to
the Editor. Technical discussions in highly specialized areas of
expertise will be kept to an absolute minimum.

JIBC is formally issued three to four times a year when an email
summary of current articles is distributed to subscribers. The full
text of current articles is posted on the JIBC Web site at
http://www.ARRAYdev.com/commerce/JIBC/current.asp.

The publication is complemented by the Compendium of Internet Banking
and Commerce Initiatives at:
http://www.arraydev.com/frames/f-guest_comp.htm.
We invite readers to provide brief descriptions of products, books,
and services that they think others will find interesting.

The Journal of Internet Banking and Commerce (JIBC) is provided as a
service by ARRAY Development based in Ottawa, Canada. Views expressed
are those of the authors and are not necessarily shared by ARRAY
Development. Firms or individuals interested in sharing sponsorship of
this project may contact array (at) ARRAYdev.com.

The JIBC Web Archive
http://www.arraydev.com/commerce/jibc/articles.htm contains all
articles published to date.

You can reach the Editor-in-Chief Nikhil Agarwal with any questions or
comments by email at:
nikhil.jibc (at) gmail.com

Publisher Nahum Goldmann is at:
Nahum.Goldmann (at) ARRAYdev.com.

Editorial Board

Publisher and Member of the Editorial Board: Nahum Goldmann

Chief Editor: Nikhil Agarwal

Founding Chief Editor Emeritus and Member of the Editorial Board: Gord
Jenkins

Assistant Editor: Xin "Robert" Luo

Mailing List Managing Editor: Anne-Marie Jennings

Contributing Editors
U.K. Contributing Editor: David G.W.Birch
Australia Contributing Editor: Dale Pinto
Japan Contributing Editor: Carin Holroyd
Legal Contributing Editor: Edwin Jacobs
Middle East Contributing Editor: Raed Awamleh
Africa Contributing Editor: Alemayehu Molla
France Contributing Editor: Jean-Michel Sahut
India Contributing Editor: Arun Mohan Sherry
Malaysia Contributing Editor: Bala Shanmugam
Canada Contributing Editor: Arthur J. Cordell


Please send any questions related to maintenance of this Web site to:
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