Journal of Internet Banking and Commerce
Vol 14 No. 1 (April 2009)
http://www.arraydev.com/commerce/jibc/current.asp

======================
From JIBC Publisher Nahum Goldmann
http://www.arraydev.com/commerce/jibc/2009-04/0905-Publ_PDFVersion.pdf
======================

IFRS – Call for the Case Studies 
 
Financial accounting is essential when establishing effective Internet
commerce, banking and payments.  From being treated in the past as an
administrative overhead, online accounting now emerges as a critical enabler for
ecommerce profitability and sustainability. 
 
Nowhere the new accounting dynamics is more apparent than in the introduction of
International Financial Reporting Standards (IFRS) – a compelling accounting
framework that currently (with the notable exception of the US) substitutes
Generally Accepted Accounting Principles (GAAP) in most developed and developing
countries. 
 
I live in Canada, where IFRS introduction at the key private and public
sector organizations in 2010-11 will definitely affect the jobs of professional
accountants. Our country is somewhat more litigation-driven than Europe and
South East Asia, but still less so than the US.  Hence, IFRS commencement will
likely result in substantial repercussions for the CEOs and other Non-Financial
Executives. 
 
It would be interesting to learn from the JIBC authors and readers how this
new 
accounting framework affects their organizational reporting, executive
accountability and 
operational transparency.  Please send us results of your research and case
studies 
from around the globe that illuminate the critical differences in the new
IFRS financial 
statements compared to that produced under the old GAAP. 
 
 
Change of Conference Dates 
 
Due to some serious concerns with the potential attendance during the summer
vacation 
time, and to ensure good health environment, the International Conference
on 
eCommerce and ePayments in Marrakech, Morocco will take place on September 
25-27, 2009. (see http://www.icep.educasphere.com/index.php).  The
conference has 
been organized by SIST (www.sist.ac.ma), a Middle Eastern centre of
University of 
Sunderland in the UK (President Dr. Tariq Obaid), as well as Educasphere 
(www.educasphere.com), a Moroccan corporation specializing in conferences, 
consultancy and student orientation (Director Abdellatif Mazouz).  Editorial
Committee 
consists of JIBC Chief Editor Prof. Nikhil Agarwal, Dr. Jean-Michel Sahut,
Director of 
Research Center, Amiens School of Management, France and Prof. Jay Mitra,
Associate 
Director and Head of Entrepreneurship and Innovation Group, Essex Business
School.  
For Call for Papers see http://www.icep.educasphere.com/programme.php 
 
Every ebanking and ecommerce academic and graduate student should consider
a 
presentation – or at least active participation – at this important and
quite interesting 
conference.  It looks quite promising both in its high intellectual
potential and as a 
gateway to the Middle Eastern ecommerce/ebanking marketplace.  For
executives and
practitioners, it might also mean an opportunity to turn around their own
professional 
fortunes as well as finding the new ways to prosper for their corporations. 
The 
Marrakesh venue is the world renown as a city of immense beauty, friendly
charm and 
vivid activity. 
 
The ICeP'09 Program Committee would much appreciate it if you distribute
this 
announcement to all your colleagues and friends that might be interested in
participating, 
as well as to the lists and blogs that you might run or take part at. 
 
 
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.  Please share
information 
about JIBC articles with the Internet community and suggest to us new ways
to promote 
JIBC among academics and professionals from around the globe. 
 
As well, I am challenging all the current and past authors and editors to
email your own 
articles -- along with the rest of JIBC edition -- to at least 10 of your
peers and 
colleagues in academia, government and industry.  Make sure that they are
well 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
3-4 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.  
 
Please contact us with the suggestion of how to submit information on JIBC
to other 
leading search engines and academic reference publications.  Also, if you
notice 
publications referring to JIBC articles, please let us know. 
 
Let's spread the word! 


======================
From JIBC Editor-in-Chief Nikhil Agarwal
http://www.arraydev.com/commerce/jibc/2009-04/EditorialNote.doc
======================

Two important events which took my attention recently. The first was
probably called most
honest effort to bring the people together. Other can be called to
cut-the-bridge of
communication.

The recent speech of President Obama to the Muslim world can be considered
to be one of
the most important speeches in our recent times. The speech clearly defines
that human
beings cannot exists in isolation, we need to communicate, collaborate and
come together
to create the world for tomorrow. I must congratulate President Obama for
making such
important statement. 

On different note, we have believed Internet is bringing us together &
closer. The recent
developments on IPv9 [parallel internet] by China working on opposite
directions. China's
stance will defy the very meaning of Internet and it would start the sort of
race among
the countries to start their own internet protocols & standards. We at JIBC
believes in
the unity of the internet in its current format.

As we have announced in our previous issue, the dates for the Morocco
conference has been
changed to September 2009. JIBC is pleased to announce our association with
`International Conference on eCommerce and ePayments 09' at Marrakech,
Morocco 24-26 July
2009. The call for papers and complete information about the conference
including themes,
tracks, visitor information is available on the conference website
http://www.icep.educasphere.com/ . I am sure it would be great intellectual
gathering
giving different perspective on MENA region financial markets. JIBC would
organize a
special issue in December 2009 to include the selected papers from IEC09. 
We invite you
to write submit papers for Morocco conference. Hope to see you all there.

In our current issue we have 14 strong papers representing all human-living
continents
(African, Europe, Americas, South America and Asia). JIBC has become a solid
international platform which can organize such a large audience across the
continents.
The popularity of JIBC is emerging day-by-day, which, I must thank to our
authors,
readers & editors for their efforts. 

I invite you all to further explore the April 2009 issue of JIBC.

Nikhil Agarwal

Participate at the International Conference on eCommerce and ePayments
in Marrakech, Morocco, 25th -27th Sept 2009
http://www.icep.educasphere.com/index.php

For Call for Papers and Panels please see
http://www.icep.educasphere.com/userfiles/Call_4_papers_icep09.pdf


=================================
PEER REVIEWED RESEARCH PAPERS
=================================

BRAZIL: Supporting Services Functionality in Brazilian Sectors: The Primacy
of Banks
(By Marcos Antonio Gaspar, Carlo Gabriel Porto Bellini, Denis Donaire and
Silvio
Aparecido dos Santos)
http://www.arraydev.com/commerce/jibc/2009-04/Gaspar.pdf

E-commerce can benefit companies by enabling new business models, improving 
efficiencies, and building competitive advantages. But there are some
critical issues to 
be addressed in order to achieve those benefits, and one of them relates to
the 
effectiveness of online customer servicing in e-commerce, also referred to
as supporting 
services functionality (SSF). In this paper we discuss a subset of SSF in
110 large 
Brazilian companies representing 11 key sectors of the economy. Results
enabled the 
ranking of sectors according to levels of SSF effectiveness, and the
conclusion was that 
the nature of business may explain why general banks and telecommunications 
companies currently perform the better, while siderurgy and metallurgy,
wholesale and 
international commerce, and chemical and petrochemical companies have the
lowest 
performance in implementing the tools for customer support in e-commerce. 


FRANCE: The Impact of the Internet on Pricing Strategies in the Tourism
Industry
(By Jean-Michel Sahut and Lubica Hikkerova)
http://www.arraydev.com/commerce/jibc/2009-04/eTourismeJIBC 20240209 .pdf

The Internet has had a dramatic effect on the distribution of tourism
products. The 
reintermediation which has taken place has led all distributors to implement
more 
dynamic pricing strategies from the widespread use of Yield Management (YM)
practices
to price discount strategies. The Internet also influences the consumers'
perception of 
pricing strategies. Consumers are increasingly aware of YM practices and the
Internet 
has become the essential tool for finding the best price. However, there
continues to be 
a certain disconnect between the channels used for searching for the best
price 
available and those used by the clientele of luxury hotels in France to make
their 
booking. Indeed, the telephone still dominates for this type of clientele
when carrying out 
this type of transaction as they find it easier to use, it is entrenched in
their habits and is 
perceived as being more secure. 


INDIA: A Secured Hybrid Architecture Model for Internet Banking (e-Banking)
(By Ganesa R and Vivekanandan K.)
http://www.arraydev.com/commerce/jibc/2009-04/JIBC-Ganesan R.pdf

Internet banking has made it easy to carry out the personal or business
financial 
transaction without going to bank and at any suitable time. This facility
enables to 
transfer money to other accounts and checking current balance alongside the
status of 
any financial transaction made in the account. However, in order to maintain
privacy and 
to avoid any misuse of transactions, it is necessary to follow a secured
architecture 
model which ensures the privacy and integrity of the transactions and
provides 
confidence on internet banking is stable. In this research paper, a secured
hybrid 
architecture model for the internet banking using Hyperelliptic curve
cryptosystem and 
MD5 is described. This hybrid model is implemented with the hyperelliptic
curve 
cryptosystem and it performs the encryption and decryption processes in an
efficient 
way merely with an 80-bit key size. The various screen shots given in this
contribution 
shows that the hybrid model which encompasses HECC and MD5 can be considered
in 
the internet banking environment to enrich the privacy and integrity of the
sensitive data 
transmitted between the clients and the application server.  


KOREA: Determinants Affecting User Satisfaction with Campus Portal Services
in Korea
(By Hyung Seok Lee, Yoon Hyung Choi, and Nam Ok Jo)
http://www.arraydev.com/commerce/jibc/2009-04/Lee et al._081129 20JIBC.pdf

Campus portals have attracted a great deal of interest among universities,
as they are 
considered a source of competition superiority. This is because universities
wish to 
project the impression that they offer the most convenient service and excel
in the field 
of Information Technology—this allows them to attract superior students. The
increase in 
the number of universities currently offering campus portal services, and
assessments of 
user satisfaction with these services, are increasingly recognized as
important research 
subjects.  
 
This study assesses the relationships between end-user satisfaction with
campus portal 
services, and the degree of influence of this factor. In this study, user
satisfaction with 
campus portal services was determined by assessing end user satisfaction
factors, in 
accordance with the method developed previously by Doll and Torkzadeh.
Additionally, 
usability, playfulness, design, and support service were established as
preceding factors 
influencing user satisfaction.  
 
The results of this study showed that user ability, playfulness, design, and
support 
service influence user satisfaction. This study is meaningful in that it
provides 
information and matters for consideration regarding the improvement and
maintenance 
of campus portal services.  

MALAWI: Mobile Opportunities, Mobile Problems: Assessing Mobile Commerce
Implementation
Issues in Malawi
(By Edwin Saidi)
http://www.arraydev.com/commerce/jibc/2009-04/Saidi.pdf

The increased usage of mobile phones and the rapid developments in mobile 
communication technologies present a surge for m-commerce. While m-commerce
has 
been implemented in many countries in both the developed and developing
world, it 
remains an unexploited area in some African countries, including Malawi.
This paper 
investigates the problems that Malawi could face in the implementation of
m-commerce 
and the stakeholders to drive m-commerce implementation in the country. The
research 
has established that banks, mobile phone operators and the central bank,
among other 
institutions, are the key stakeholders to play a leading role in the
implementation of
m-commerce in Malawi. The paper has further identified a number of possible
m-commerce
applications in the country including m-banking, m-shopping and m-health.  
 
However, the implementation of these applications will face technical,
business and 
policy problems. These have been discussed and analyzed. The results of the
research 
are expected to help in directing the focus of researchers, policymakers,
technical 
implementers, service providers and other stakeholders, as Malawi joins the
race for 
mobile payment systems.  

MALAYSIA: The Effect of Perceived Risk on the Intention to Use e-Commerce:
The Case
of Algeria
(By Zakariya Belkhamza and Syed Azizi Wafa)
http://www.arraydev.com/commerce/jibc/2009-04/Belkhamza_JIBC.pdf

Despite the recent economic downtown in the Internet and ICT sectors,
legitimate 
concerns regarding privacy and trust remain obstacles to growth and
important issues
to both individuals and organizations. Studies on the adoption of
business-to-consumer
e-commerce have not simultaneously considered trust and risk as important
determinants
of adoption behavior. The conceptual model of this study leads us to believe
that system
risks of e-commerce are the major determinants of the adoption behavior.
Based on
technology acceptance model (TAM), this study aims to investigate the effect
of 
perceived system risk on the behavioral intention of tourism organizations
to use
e-commerce. This research is expected to provide both theoretical
explanations and 
empirical validation on the adoption of e-commerce, and offer clear
explanation and 
recommendations for business organizations as well as e-commerce systems
providers, 
regarding the adoption of e-commerce and the risk and security issues. 

MALAYSIA: Cyber Cafe Usage in Malaysia An Exploratory Study
(By Syed Shah Alam, Zaini Abdullah and Nilufar Ahsan)
http://www.arraydev.com/commerce/jibc/2009-04/Final cyber cafe-
JIBC_final.pdf

Using empirical and new field data, this exploratory study investigates the
pattern of the
use of cyber cafes in two cities in Malaysia. The research was based on the 
convenience sample survey of 284 respondents in total in the two cities,
Melaka and Miri 
in Sarawak. It can be argued that cyber café seeks to provide its customers
with 
inexpensive Internet access in a comfortable environment. People of all ages
and sex 
come to enjoy the unique, upscale, educational, and innovative environment
at cyber 
cafe. This study investigates the rate of usage of cyber café by the
respondents. The 
results of our study and the implication for future research are discussed. 

MALYASIA: Cyberculture: Impact on Netizen
(By Chai Lee Goi)
http://www.arraydev.com/commerce/jibc/2009-04/GOI-JIBC.pdf

Macek (2004) highlighted a typology of current concepts of cyberculture.
Four different 
concepts were identified, which are spans utopian, information,
anthropological and 
epistemological concepts of cyberculture. Macek (2004) also highlighted four
different 
periods of the cyberculture and its impacts on netizen. The very first
foundations of 
cyberculture originate at the Massachusetts Institute of Technology (M.I.T.)
at the turn of
the 1950s and the 1960s. Early cyberculture reached its peak in the late
1970s and in 
the 1980s. Early cyberculture originates in the American hackers'
subcultures. The 
second period of cyberculture can be broadly set to the 1970s and the
beginning of the 
1980s. The beginning of the third period was characterised by a significant 
transformation at all the levels of early cyberculture, a shift that was
related to the 
accelerated spread of microcomputers and to the development of public
computer 
networks. The fourth period begins at the end of the 1980s and ends in about
the middle 
of the 1990s.  

MALAYSIA: Taxpayers' Attitude in Using e-File System: Is There Any
Significant Difference
Among Demographic Factors?
(By Azleen Ilias, Mohd Zulkeflee Abd Razak and Mohd Rushdan Yasoa)
http://www.arraydev.com/commerce/jibc/2009-04/JIBCArticle_Azleen.pdf

This study employs the Technology Acceptance Model (TAM) to examine
taxpayers' 
attitude in using e-Filing system. Data are collected from taxpayers in
three higher 
learning institutions in Labuan F.T. The purpose of this study is to examine
the 
differences of taxpayers' attitude to use e-filing among gender, level of
education, 
experience of handling and learning the system. Besides, this study also
examines the 
relationship between taxpayers' attitudes and perceived usefulness,
perceived ease of 
use, information system quality, information quality and perceived
credibility. The result 
shows significant differences among experience and non-experience taxpayers
in 
handling and learning e-filing system. Education background of taxpayers has
also 
played an important role in encouraging the attitude of taxpayers to use
e-filing. However,
the gender of taxpayers provides no difference in terms of their attitude in
using and 
applying the system. In addition, this study found strong relationship
between attitude 
and TAM determinants namely perceived usefulness, perceived ease of use,
information 
system quality, information quality and perceived credibility. The
implication of this study
suggests that Inland Revenue Board (IRB) should increase and strengthen
their 
awareness program to educate non-experience taxpayers so that it will
simultaneously 
improve the attitude of taxpayers to use this electronic system.  

NIGERIA: Customers Perception of Security Indicators in Online Banking Sites
in Nigeria
(By Egwali Annie Oghenerukeybe)
http://www.arraydev.com/commerce/jibc/2009-04/Egwali.pdf

Internet banking provides alternatives for faster delivery of banking
services to a wider 
range of customers. The increasing popularity of Internet banking, have
attracted the 
attention of both legitimate and illegitimate online banking practices. 
Customers are 
liable to criminal activities, fraud, thefts and various other threats of
similar nature. 
Criminals focus on stealing user's online banking credentials because the
username and 
password combination is relatively easy to acquire and then relatively easy
to use to 
fraudulently access an Internet banking account and commit financial fraud.
To alert 
users, many banking sites are now including Security Indicators (SI) to
their sites. This 
paper describes a user study performed to investigate user's perception of
factors 
influencing the effective implementation of existing SI objectives and to
evaluate the 
effectiveness of SI in banking web browsers using the Communication-Human
Information
Processing Model (C-HIP) model, a model proposed by Wogalter in 2006 in 
the field of warning sciences. Findings revealed that SI are not very
effective at alerting 
and shielding users from revealing sensitive information to spoofed sites.
These 
outcomes may help the management of banks develop effective security
strategies for 
the future of electronic banking in Nigeria.  

TURKEY: Changing Face of Banks and the Evaluation of Internet Banking in
Turkey
(By Bora Aktan, Edip Teker and Pervin Ersoy)
http://www.arraydev.com/commerce/jibc/2009-04/Submitted Manuscript for JIBC-
FEB 2009.pdf

Banking historically has been a sector based on individual or institutional
client service. 
In today's browser-based competitive finance world, banks need to flourish
this client 
service viewpoint with web-empowered features for keeping clients and
attracting 
prospective ones. Internet has emerged as a key competitive field for the
future of 
financial services. In a sense, it is almost synonymous with change. Banks,
especially 
commercial ones, are swiftly becoming more aware of the importance of
internet banking 
in this era. This topic was selected to dilate the current developments and
implications of 
internet banking in Turkey, which has been repeatedly cited as an emerging
market with 
its growing sectors, over the period 2005 and 2008.  


UNITED STATES: Consumers with Sexual Performance Problems and Spam E-mail
for Sexual
Performance Products
(By Joshua Fogel and Sam Shlivko)
http://www.arraydev.com/commerce/jibc/2009-04/Fogel1.pdf

Spam e-mail on sexual health topics arrive in e-mail inboxes.  We study
consumer 
responses to spam e-mail that advertise sexual performance products. 
Participants 
(n=200) with and without sexual performance problems were asked if they
received, 
opened, and bought products from spam e-mail about sexual performance
products in 
the past year.  Comparisons were performed between those with and without
sexual 
performance problems.  Psychological factors of self esteem and perceived
stress were 
measured. Those with sexual performance problems had significantly greater 
percentages than those without sexual performance problems for receiving
(100.0% 
versus 73.5%, p=0.024), opening (66.7% versus 11.4%, p<0.001), and
purchasing 
products (46.7% versus 5.4%, p<0.001) from spam e-mail.  In the multivariate
logistic 
regression analyses adjusting for demographics, psychological factors, and
attitudes, 
those with sexual performance problems were significantly associated with
opening (OR: 
8.33, 95% CI: 1.95, 35.71), and purchasing products (OR: 7.98, 95% CI: 1.74,
36.73) 
from spam e-mail. Spam e-mail about sexual performance products are opened
and 
purchased from, especially among those with sexual performance problems. 
There is a 
need for e-mail marketing and advertising of sexual performance products
that meet 
ethical standards for e-mail delivery to consumers. 

UNITED STATES: An Experimental Investigation of Online Banking Adoption in
China
(By Guangying Hua)
http://www.arraydev.com/commerce/jibc/2009-04/Online%20Banking_GHua.pdf

Online banking, an Internet based service enabling people to do financial
transactions, 
has been an obstacle for the development of e-commerce in China. This paper 
investigates the online banking acceptance in China. We conducted an
experiment to 
investigate how users' perception about online banking is affected by the
perceived ease 
of use of website and the privacy policy provided by the online banking
website. We find 
that both perceived ease of use and privacy policy have a significant impact
on user's 
adoption of online banking. In this study, we also investigate the relative
importance of 
perceived ease of use, privacy, and security. Perceived ease of use is of
less 
importance than privacy and security. Security is the most important factor
influencing 
user's adoption. A discussion of the implications of these results and
limitations are 
provided at the end. 

ZIMBABWE: Adoption and Use of Internet Banking in Zimbabwe: An Exploratory
Study
(By Dube Thulani)
http://www.arraydev.com/commerce/jibc/2009-04/Dube etal.pdf

This paper sought to explore the extent of adoption and usage of internet
banking by 
commercial banks in Zimbabwe as well as investigate the challenges they face
in the
adoption of this technology.  An exploratory research design was used to
achieve the 
envisaged aims of the study. Overall, the results showed that while the
majority of the 
banks in Zimbabwe have adopted internet banking, usage levels have remained 
relatively low, as not many customers are using this innovation in Zimbabwe.
Regarding 
the challenges faced by banks in the adoption of IB, compatibility with
existing legacy 
systems, cost of implementation and security concerns ranked high. The
implications of 
the study are that banks in Zimbabwe should vigorously promote the usage of
IB among 
customers while policy makers such as the Government and the Reserve Bank
of 
Zimbabwe should increase investments targeted at infrastructure development
so as to 
encourage banks and individuals alike to adopt the innovation. 


=====================
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. All articles are
available for free access and download.

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.

/---------------------CALL FOR PAPERS-------------------\
http://www.icep.educasphere.com/index.php
International Conference on eCommerce & ePayments
Marrakech 25-27 September 2009

ICEP'09 Conference will seeks to establish a vibrant and
constructive global dialogue between senior industry
executives, investors, central bankers, government
policymakers and leading academics on how to radically
improve ecommerce and epayment effectiveness. The
conference will also provide an opportunity for ecommerce
and epayment companies to exhibit their state-of-the-art
services and products at the commercial gateway to the
Middle East.
\---------------------CALL FOR PAPERS-------------------/


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=================================
Editorial Board
=================================

Publisher and Member of the Editorial Board: Nahum Goldmann

Editor-in-Chief: Nikhil Agarwal

Deputy Editor-in-Chief: Joshua Fogel

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

Managing Editor: Xin "Robert" Luo

Mailing List Managing Editor: Anne-Marie Jennings

Contributing Editors
UK Contributing Editor: David G.W.Birch
South America Contributing Editor: Carlo G. P. Bellini
Australia Contributing Editor: Dale Pinto
Japan Contributing Editor: Carin Holroyd
Middle East Contributing Editor: Raed Awamleh
Legal Contributing Editor: Edwin Jacobs
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:
array (at) ARRAYdev.com

Information and subscription for JIBC mailing list is available via:
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