Trust and e-commerce: a study of consumer perceptions

Increasing use of the World Wide Web as a B2C commercial tool raises interest in understanding the key issues in building relationships with customers on the Internet. Trust is believed to be the key to these relationships. Given the differences between a virtual and a conventional marketplace, antecedents and consequences of trust merit re-examination. This research identifies a number of key factors related to trust in the B2C context and proposes a framework based on a series of underpinning relationships among these factors.

E-commerce and graduate education: is educational quality taking a nose dive?

Purpose: Online education has been growing rapidly, but has not had the benefit of the extensive teaching pedagogy development of traditional face-to-face teaching. This paper aims to provide a review of the current literature and present the results of a survey, conducted to determine the effectiveness of a graduate online subject. Design/methodology/approach: The literature was reviewed to identify measures of success and quality in online education delivery. These measures were then considered in relation to their application in practice via a case study based around a survey conducted at Deakin University in Australia. Findings: A total of 16 relevant measures of teaching quality were identified in the literature. Most measures had elements of bias and some were more generally applicable to online learning. The case study suggested that the value of computer mediated learning in an online environment was limited and that a combination of print and computer mediated conferencing performed better in more of the identified quality matrices. Practice implications: Online learning does not save teaching resources if standards of quality are maintained. It can be used to provide a remote teaching facility, provided it is backed up by resources such as printed study guides. For the subject evaluated, online mediated learning did not the provide the same quality of education. Originality/value: Whilst some research has been conducted in this area, no substantive grounded theory has been applied to postgraduate or fee-paying online education regimes. As a result, case studies of such applications can be very helpful in the design of future teaching systems.

E-Commerce, human resource strategies, and competitive advantage: two Australian banking case studies

Service organizations need to consider in depth the human resource management (HRM) strategies that will enable them to achieve sustained competitive advantage in the e-commerce era. This paper analyzes the HRM strategies developed to accommodate the changing customer service practices associated with B2C e-commerce in the retail banking sector. Based on case study data, it describes how two banks in Australia, one large, the other small, have linked their e-commerce strategies with their overall business strategy, and the extent to which their HRM strategies have helped them to utilize their e-commerce capability to achieve sustained competitive advantage.

eBusiness and information systems : academic programs in Australia and New Zealand in the e-Age

Universities are increasingly turning to ‘fashionable’ education programs to attract bright, high-quality students to both under-graduate and post-graduate degree programs. Traditional offerings in technology areas, such as Information Systems and Information Technology are being augmented by newer, more marketable degrees in areas such as eCommerce/eBusiness. This paper analyses the eCommerce/eBusiness and Information Systems (IS) / Information Technology (IT) academic programs in Australian and New Zealand universities on the basis of Kotler and Fox's service offering model of educational institutions; and considers what differences exist between these two apparently similar areas of academic endeavour. Finally we look at the trends of academic program delivery in the e-age and question whether universities need to take a more consumer-product approach to the issue of attracting appropriate students.

Implemetation of electronic commerce and human resource strategies in an Australian retail banking context

As organisations deploy eCommerce and internet technologies for competitive advantage and to satisfy increasingly demanding customers, they will need to develop human resource (HR) strategies that prepare their employees to work with these technologies effectively. Little systematic investigation has been undertaken to discover how companies manage their HR functions to achieve these outcomes. In the retail banking sector these issues have become very important with increased competition, industry changes and heightened competition. This paper examines HR management strategy in one Australian bank as it moves towards online service provision and adopts other eCommerce applications. The paper draws on theoretical insights from Porter’s (2001) views of competitive advantage from the internet and writers discussing the informational society (Castells, 2001) and post-fordist organisations (Clegg, 1990). An analysis of interview data from this case study shows the issues that one bank is dealing with as it seeks competitive advantage from its customer service offerings while it revises its HR strategies.

Implications in e-commerce research in small business

It is believed that the recent emergence of electronic commerce (eCommerce) in the early 90s could provide different opportunities to small and medium-sized enterprises (SMEs) in overcoming part of their technological. environmental, organizational, and managerial inadequacies. However, recent research portrays a gloomy picture about eCommerce uptake and use in SMEs. Therefore. the implication here is twofold. Initially. there is a need to generate more eCommerce research that could penetrate much deeper into main impending issues pertaining to the SMEs in their potential uptake and use of eCommerce. On the other hand. eCommerce is characterized of being embryonic but growing very fast and fragmented across the different disciplines. which makes the task of capturing its different perspectives a very complex task. The preceding two implications represent the greatest challenge for researchers and professionals interested in undertaking eCommerce research in SMEs. In line with the above implications. the first objective of this research aims at capturing the different eCommerce perspectives from the SMEs point of view and the second objective aims at capturing the eCommerce perspective from the theoretical and the methodological point of view. Addressing the preceding implications in this research could shed some light into some of the grey areas in the eCommerce research in SMEs.

Employee development strategies in the B2C banking environment: two Australian case studies

The implementation of technology and, in particular, eCommerce technologies has had unforeseen consequences for the relationship between managers and employees. To be able to operate in an increasingly global and competitive environment, retail banks have had to develop new ways of dealing with their employees. Issues have arisen that have necessitated a rethink in the way employees interact with customers and this, in turn, has required changes to human resource strategies. The question we address in this paper is what are the employee capabilities and qualities retail banks must develop to satisfy both more sophisticated customers (who demand flexibility of interactions, responsiveness and convenience) as well as the organisation’s own needs (including expanded sales opportunities, cost containment or reduction and customer loyalty) when implementing eCommerce technologies. The paper discusses two case studies illustrating some of the issues with which banks, as service organisations, have had to deal. These two banks have taken rather different approaches in their use of technology to interact with their customers and this has implications for the way they manage their employees who deal with those customers.

Intentions and perceptions : the emerging gaps between web system designers and users

In recent years, organisations have been increasingly developing web systems as portals through which B2C or B2B eCommerce is conducted. Many such systems suffer from inadequacy in function, form and quality. While such deficiencies are quite commonly encountered in traditional software systems, in the case of web systems, the problems are magnified by the emerging gaps in designers' intentions and the expectation of a global, and frequently grossly misunderstood, user. In this paper we therefore present an approach to investigating the gaps in perceptions between web developer’s intentions and end-users expectations and the subsequent use of web system features. Furthermore, we empirically investigated B2C web systems and determined several useful approaches to practical evaluation of the degree of cohesion between designer and user views of the system.

Securing small business - the role of information technology policy

As small and medium enterprises develop their capacity to trade  electronically, they and their trading partners stand to gain considerable benefit from the resulting transaction efficiencies and business  relationships. However, this raises the question of how well small business manages its IT security and the threats that security lapses may pose to the wider trading network. It is in the interest of all members of an electronic trading network, as well as governments, to assist smaller companies to secure their business data. This paper considers the relationship between IT security management and IT policy implementation among small  businesses involved in business-to-business eCommerce. It reports the results of a survey of 240 Australian small and medium businesses  operating in a cross-industry environment. The survey found a low level of strategic integration of eCommerce along with inadequate IT security among the respondents, despite the fact that 81% were doing business online and 97% identified their business data as confidential. Businesses which implemented satisfactory levels of security technologies were more likely than others to have an information technology policy within the organisation. The paper proposes a model that outlines the development of security governance and policy implementation for small and medium businesses.

Justifying investments in electronic commerce

This paper explores why organizations invest in eCommerce applications and highlights some of the expected returns. A Delphi study was used to determine the underlying benefits of eCommerce investments and several formal financial and non-financial approaches to justification are identified and discussed. A framework is outlined which can be used to select a justification approach based on the aims of the project and the type of values and benefits expected. Attaining competitive advantage and developing new business opportunities were identified as factors that could be best justified using strategic or analytical approaches rather than financial justification.

Electronic commerce in small to medium-sized enterprises : frameworks, issues and implications

Electronic Commerce in Small to Medium-Sized Enterprises: Frameworks, Issues and Implications addresses eCommerce issues in small to medium-sized enterprises (SMEs) in a global setting. The book aims at addressing issues that are of importance to researchers, to students, and to professionals interested in the eCommerce field in SMEs and hence, interested in addressing issues pertaining to theory and to practice.

Determinants of electronic commerce adoption in small businesses in New Zealand

The findings of this thesis suggest that the inexpensive nature of eCommerce, the extent of CEO innovativeness, the need to remain competitive, the relevance of the Internet to the type of business, the SME's size and the apparent compatibility of eCommerce in business were the only determinants of eCommerce adoption in SMEs in New Zealand.

E-Commerce research in Australia : inviting a comparative analysis

Published research in the area of electronic commerce has increased several fold in recent years. Australian researchers have participated actively in this research field. An emphasis on quality has prompted us to review the publications in the area of electronic commerce. This paper reports on research, that used a framework developed by Scornavacca et al. (2005), to examine papers published in the leading, relevant journals and conferences over the period 2000 to 2005. Analyses of papers in the electronic commerce area, published during this period, reflects a number of trends in terms of research outlets, approaches, and methods used. The analyses presented here invite a comparative analysis by Scandinavian researchers in ecommerce. The Scandinavian research community represents an appropriate environment against which to benchmark the Australian research outputs. It is our hope that the analyses in this paper will lead to mutual learning and collaboration between researchers in both contexts.

E-commerce trust management system reliability

Various solutions have been proposed in managing trust relationship between trading partners in eCommerce environment. Determine the reliability of trust management systems in eCommerce is most difficult issue due to highly dynamic nature of eCommerce environments. As trust management systems depend on the feedback ratings provided by the trading partners, they are fallible to strategic manipulation of the feedback ratings attacks. This paper addressed the challenges of trust management systems. The requirements of a reliable trust management are also discussed. In particular, we introduce an adaptive credibility model that distinguishes between credible feedback ratings and malicious feedback ratings by considering transaction size, frequency of ratings and majority vote to form a feedback ratings verification metric. The approach has been validated by simulation result.