Describes the Digital Signature Project that was developed in Austria to establish an infrastructure for applying smart card-based digital signatures in banking and electronic-commerce applications. Discusses the need to conform to international standards, an international certification infrastructure, and security features for a public directory…

Presents the AIPD (attracting, informing, positioning, and delivering) approach to the evaluation of commercial Web sites that assess the strategic potential of Web sites, provides a framework for the development of competitive sites, and compares Web site strategies within and across national boundaries. Compares Internet strategies of Japanese…

Discussion of use of the Internet for online payments focuses on payment mechanisms for conducting transactions. Highlights include commercial requirements; security requirements; various proposed and currently used mechanisms; and future possibilities. (LRW)

Technologies of payment rather than technologies of connection are the real trigger for the expansion of electronic commerce on the Internet. This article discusses "smart cards," highlighting Mondex, the electronic purse developed in the United Kingdom. Predicts that cash will be replaced by "e-cash," which is cheaper to make,…

Discusses two strategic distribution channel decisions facing banks, one regarding whether to target the Internet banking segment of customers versus the branch banking segment, and the other regarding the geographical area banks aim to serve. Future distribution channels, the change process, and local, national, and international strategies are…

Examines various aspects of the motives, perceptions, and expectations connected with the introduction of Internet banking in Danish retail banking. Responses from questionnaires and results from a factor analysis and a hierarchical cluster analysis indicate a belief that Internet banking will become more important in the future. (Author/LRW)

Explores issues related to legal considerations of the widespread use of the Internet worldwide. Topics considered include: e-mail; data theft and piracy; search and seizure; electronic banking; offensive behavior; liability; copyright infringement; laws regulating the Internet; and the Telecommunications Act. (PEN)

Discussion of changes in the banking industry focuses on an analysis of 12 Internet banking operations in the United Kingdom. Topics include delivery strategies; customer demand and requirements; and an evaluation of banking Web sites that considers speed, content and design, navigation, interactivity, and security. (LRW)

Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

A user survey of 60 company Web sites (electronic commerce, entertainment and leisure, financial and banking services, information services, retailing and travel, and tourism) determined that 30% had facilities for conducting online transactions and only 7% charged for site access. Overall, Web sites were rated high in ease of access, content, and…

A survey of Singapore-based firms in computer/information technology, hospitality, manufacturing, retail, travel, publishing, and banking/finance that use the Internet for business found that most of the respondents use the Internet for marketing and advertising, customer service and support, information gathering, and, to a lesser degree,…