Search results for: E-commerce websites

Authors: Vera Pujani

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The purpose of this study is to investiagte the use of the ecommerce website in Indonesia as a developing country. The ecommerce website has been identified having the significant impact on business activities in particular solving the geographical problem for islanded countries likes Indonesia. Again, website is identified as a crucial marketing tool. This study presents the effect of quality and features on the use and user satisfaction employing ecommerce websites. Survey method for 115 undergraduate students of Management Department in Andalas University who are attending Management Information Systems (SIM) class have been undertaken. The data obtained is analyzed using Structural Equation Modeling (SEM) using SmartPLS program. This result found that quality of system and information, feature as well satisfaction influencing the use ecommerce website in Indonesia contexts.

Keywords: Use, Developing Country, Satisfaction, Website

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Authors: R. Mangiaracina, A. Perego, F. Campari

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Despite the fact that B2c eCommerce has become important in numerous economies, its adoption varies from country to country. This paper aims to identify the factors affecting (enabling or inhibiting) B2c eCommerce and to determine their quantitative impact on the diffusion of online sales across countries. A dynamic panel model analyzing the relationship between 13 factors (Macroeconomic, Demographic, Socio-Cultural, Infrastructural and Offer related) stemming from a complete literature analysis and the B2c eCommerce value in 45 countries over 9 years has been developed. Having a positive correlation coefficient, GDP, mobile penetration, Internet user penetration and credit card penetration resulted as enabling drivers of the B2c eCommerce value across countries, whereas, having a negative correlation coefficient,equal distribution of income and the development of traditional retailing network act as inhibiting factors.

Keywords: B2c eCommerce diffusion, influencing factors, dynamic panel model

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Authors: Karim Heidari, Serajodin Katebi, Ali Reza Mahdavi Far

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The purpose of this paper is to study Database Models to use them efficiently in E-commerce websites. In this paper we are going to find a method which can save and retrieve information in Ecommerce websites. Thus, semantic web applications can work with, and we are also going to study different technologies of E-commerce databases and we know that one of the most important deficits in semantic web is the shortage of semantic data, since most of the information is still stored in relational databases, we present an approach to map legacy data stored in relational databases into the Semantic Web using virtually any modern RDF query language, as long as it is closed within RDF. To achieve this goal we study XML structures for relational data bases of old websites and eventually we will come up one level over XML and look for a map from relational model (RDM) to RDF. Noting that a large number of semantic webs get advantage of relational model, opening the ways which can be converted to XML and RDF in modern systems (semantic web) is important.

Keywords: E-Commerce, Semantic Web, Database, XML, RDF.

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Authors: Amitrajit Sarkar

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The use of Electronic Commerce (EC) technologies enables Small Medium Enterprises (SMEs) to improve their efficiency and competitive position. Much of the literature proposes an extensive set of benefits for organizations that choose to adopt and implement ECommerce systems. Factors of Business –to-business (B2B) E-Commerce adoption and implementation have been extensively investigated. Despite enormous attention given to encourage Small Medium Enterprises (SMEs) to adopt and implement E-Commerce, little research has been carried out in identifying the factors of Business-to-Consumer ECommerce adoption and implementation for SMEs. To conduct the study, Tornatsky and Fleischer model was adopted and tested in four SMEs located in Christchurch, New Zealand. This paper explores the factors that impact the decision and method of adoption and implementation of ECommerce systems in automobile industry. Automobile industry was chosen because the product they deal with i.e. cars are not a common commodity to be sold online, despite this fact the eCommerce penetration in automobile industry is high. The factors that promote adoption and implementation of E-Commerce technologies are discussed, together with the barriers. This study will help SME owners to effectively handle the adoption and implementation process and will also improve the chance of successful E-Commerce implementation. The implications of the findings for managers, consultants, and government organizations engaged in promoting E-Commerce adoption and implementation in small businesses and future research are discussed.

Keywords: E-Commerce in SMEs, E-Commerce in automobile industry, B2C E-Commerce, E-Commerce adoption and Implementation, E-Commerce Website Implementation, E-Commerce Models.

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Authors: Supattra Kanchanopast

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The purpose of this research was to identify factors that influenced the success of e-commerce implementation within SMEs businesses. In order to achieve the objectives of this research, the researcher collected data from random firms in Thailand, both the users and those who are not using the e-commerce. The data was comprised of the results of 310 questionnaires, as well as 10 interviews with owner/managers of businesses who are currently using e-commerce successfully. The data were analyzed by using descriptive statistics, which included frequency, percentages, mean, and the standard deviation of pertinent factors. Independent t-test and one-way ANOVA test were also used. The findings of this research revealed that 50% of all the firms surveyed had e-commerce website, whereas, over 20% of all firms surveyed had developing an ecommerce strategy. The result findings also indicate that organizational factors, technological factors and environment factors as significant factors effecting success of e-commerce implementation in SMEs. From the hypotheses testing, the findings revealed that the different level of support use ecommerce by owner/manager had different success in e-commerce implementation. Moreover, the difference in e-commerce management approach affected the success in terms of higher total sales for the business or higher number of retained or returning customers.

Keywords: Electronic commerce, Implementation of ECommerce, small and medium sized enterprises, SMEs, Website, success factors.

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Authors: Abdelkader Dekdouk

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In this paper we propose a novel approach for searching eCommerce products using a mobile phone, illustrated by a prototype eCoMobile. This approach aims to globalize the mobile search by integrating the concept of user multilinguism into it. To show that, we particularly deal with English and Arabic languages. Indeed the mobile user can formulate his query on a commercial product in either language (English/Arabic). The description of his information need on commercial products relies on the ontology that represents the conceptualization of the product catalogue knowledge domain defined in both English and Arabic languages. A query expressed on a mobile device client defines the concept that corresponds to the name of the product followed by a set of pairs (property, value) specifying the characteristics of the product. Once a query is submitted it is then communicated to the server side which analyses it and in its turn performs an http request to an eCommerce application server (like Amazon). This latter responds by returning an XML file representing a set of elements where each element defines an item of the searched product with its specific characteristics. The XML file is analyzed on the server side and then items are displayed on the mobile device client along with its relevant characteristics in the chosen language.

Keywords: Mobile computing, search engine, multilingualglobal eCommerce, ontology, XML.

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Authors: Omyma Al Osaimi, Asma AlSumait

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The website developer and designer should follow usability guidelines to provide a user-friendly interface. Many guidelines and heuristics have been developed by previous studies to help both the developer and designer in this task, but E-government websites are special cases that require specialized guidelines. This paper introduces a set of 18 guidelines for evaluating the usability of e-government websites in general and Arabic e-government websites specifically, along with a check list of how to apply them. The validity and effectiveness of these guidelines were evaluated against a variety of user characteristics. The results indicated that the proposed set of guidelines can be used to identify qualitative similarities and differences with user testing and that the new set is best suited for evaluating general and e-governmental usability.

Keywords: E-government, Human Computer Interaction, Usability Evaluation, Usability Guidelines.

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Authors: Jasmine Yeap Ai Leen, T. Ramayah, Azizah Omar

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E-tailing websites are often perceived to be static, impersonal and distant. However, with the movement of the World Wide Web to Web 2.0 in recent years, these online websites have been found to display personalities akin to 'humanistic' qualities and project impressions much like its retailing counterpart i.e. salespeople. This paper examines the personality of e-tailing websites and their impact on consumers- initial trust towards the sites. A total of 239 Internet users participated in this field experiment study which utilized 6 online book retailers- websites that the participants had not previously visited before. Analysis revealed that out of four website personalities (sincerity, competence, excitement and sophistication) only sincerity and competence are able to exert an influence in building consumers- trust upon their first visit to the website. The implications of the findings are further elaborated in this paper.

Keywords: E-commerce, e-tailing, initial trust, online trust, partial least squares, website personality.

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Authors: Qasem A. Al-Radaideh, Emad Abu-Shanab, Shaima Hamam, Hani Abu-Salem

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Online news websites are one of the main and wide areas of Mass Media. Since the nineties several Jordanian newspapers were introduced to the World Wide Web to reach various and large numbers of audiances. Examples of these newspapers that have online version are Al-Rai, Ad-Dustor and AlGhad. Other pure online news websites include Ammon and Rum. The main aim of this study is to evaluate online newspaper websites using two assessment measures; usability and web content. This aim is achieved by using a questionnaire based evaluation which is based on the definition of usability and web content in the ISO document as the standard number 9241-part 11. The results are obtained based on 204 audiences- responses. The results of the research showed that the usability factor is relatively good for all Jordanian online newspapers whereas the web content factor is moderate.

Keywords: Communication and mass media, Jordanian online news websites, website content, website usability.

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Authors: A. K. Abd El-Aleem, W. F. Abd El-wahed, N. A. Ismail, F. A. Torkey

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This study suggests a model of a new set of evaluation criteria that will be used to measure the efficiency of real-world E-commerce websites. Evaluation criteria include design, usability and performance for websites, the Data Envelopment Analysis (DEA) technique has been used to measure the websites efficiency. An efficient Web site is defined as a site that generates the most outputs, using the smallest amount of inputs. Inputs refer to measurements representing the amount of effort required to build, maintain and perform the site. Output is amount of traffic the site generates. These outputs are measured as the average number of daily hits and the average number of daily unique visitors.

Keywords: Data Envelopment Analysis, E-commerce, Efficiency.

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Authors: Shanshan Qi, Rob Law, Dimitrios Buhalis

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The fast technology and economic growth in China has attracted global attention in its tourism development. This study makes an effort on investigating China-s online tourism market and the Chinese online travelers- perceptions of hotel websites. The findings are expected to better understand Chinese customers- online preference and identified the differences among online travelers from different regions in the country. Empirical findings showed online reservation information is the most important factor to Chinese customers, and tourists from different regions of China have perception difference on user-friendly factor. The findings benefit hoteliers from understanding their websites development and formulating more appropriate online strategies to meet the requirements of Chinese travelers.

Keywords: Chinese online travelers, Hotel websites, Regions of China, Website usefulness

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Authors: František Mošna

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E-learning has become an efficient and widespread means of education at all levels of human activities. Statistics is no exception. Unfortunately the main focus in statistics teaching is usually paid to the substitution in formulas. Suitable websites can simplify and automate calculations and provide more attention and time to the basic principles of statistics, mathematization of real-life situations and following interpretation of results. We now introduce our own web-site for hypothesis testing. Its didactic aspects, the technical possibilities of the individual tools, the experience of use and the advantages or disadvantages are discussed in this paper. This web-site is not a substitute for common statistical software but should significantly improve the teaching of statistics at universities.

Keywords: E-learning, hypothesis testing, PHP, websites.

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Authors: Mohammad Yasrebi, Mehran Mohsenzadeh, Mashalla Abbasi-Dezfuli

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Machine-understandable data when strongly interlinked constitutes the basis for the SemanticWeb. Annotating web documents is one of the major techniques for creating metadata on the Web. Annotating websites defines the containing data in a form which is suitable for interpretation by machines. In this paper, we present a new approach to annotate websites and documents by promoting the abstraction level of the annotation process to a conceptual level. By this means, we hope to solve some of the problems of the current annotation solutions.

Keywords: Knowledge base, ontology, semantic annotation, semantic web.

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Authors: H. Nur Gorkemli, Mehmet Fidan

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After the first acquaintance with internet in April 1993, number of internet users increased rapidly in Turkey. Almost half of the population between 16-74 age group use internet in the country. Hospitals are one of the areas where the internet is intensively being used like many other businesses. As a part of public relations application, websites are important tools for hospitals to reach a wide range of target audience within and outside the organization. With their websites, hospitals have opportunities to give information about their organization, strengthen their image, compete with their rivals, interact with shareholders, reflect their transparency and meet with new audiences. This study examines web sites of totally 34 hospitals which are located in Konya. Institutions are categorized as public and private hospitals and then three main research categories are determined: content, visual and technical. Main and sub categories are examined by using content analysis method. Results are interpreted in scope of public and private institutions and as a whole.

Keywords: Health Communication, Hospital, Internet, Webpages, Websites

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Authors: Stephen Akuma, Racheal Aluma, Abraham Undu

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Academic websites play an important role in promoting education for all. They allow universities to provide users with digital academic services to save time and resources. A university website is not only a cost-effective and timely way to communicate with a variety of stakeholders, such as students, faculty, and visitors, but it is also a vehicle for the university to shape its image. The quality of a website is a major factor that universities consider in cyberspace. Potential students can easily apply to universities where the website provides useful and clear information. This has made the usability of websites an important area in meeting the needs and expectations of website users. In this paper, a comparative usability study of the University of Cape Town, Oxford University, and Harvard University academic websites (http://www.uct.ac.za/, https://www.ox.ac.uk/, and https://www.harvard.edu/) was carried out. The proactive user feedback technique was adopted for the comparative usability assessment of the aforementioned universities. The method was used by the researchers to collect and log records from the participants in real time. The result shows that the average dwell time on the websites of Harvard University, Oxford University, and Cape Town University in seconds for the three tasks are 51.58, 33.28, and 54.82 respectively. The System Usability Scale (SUS) scores for Harvard, Oxford, and the University of Cape Town are 49.81, 69.43, and 54.14 respectively. The result of the Analysis of Variance on the dwell time data shows a significant difference (p = .009) on the three websites. Our findings show that Oxford University has the most suitable website in terms of usability factors and other metrics than the other websites investigated. Practical implications are highlighted, and recommendations for improved website usability are suggested.

Keywords: Usability factors, user feedback, university websites, University of Cape Town, Harvard University, Oxford University.

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Authors: Zullina H. Shaari, Amzairi Amar, Abdul Mutalib Embong, Hezlina Hashim

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University websites are considered as one of the brand primary touch points for multiple stakeholders, but most of them did not have great designs to create favorable impressions. Some of the elements that web designers should carefully consider are the appearance, the content, the functionality, usability and search engine optimization. However, priority should be placed on website simplicity and negative space. In terms of content, previous research suggests that universities should include reputation, learning environment, graduate career prospects, image destination, cultural integration, and virtual tour on their websites. The study examines how top 200 world ranking science and technology-based universities present their brands online and whether the websites capture the content dimensions. Content analysis of the websites revealed that the top ranking universities captured these dimensions at varying degree. Besides, the UK-based university had better priority on website simplicity and negative space compared to the Malaysian-based university.

Keywords: Science and technology programs, top-ranked universities, online brands, university websites.

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Authors: Shahrina Md Nordin, Zulhamri Abdullah, Yuhanis Abdul Aziz

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The purpose of this paper is to examine the current state of corporate social responsibility statements on corporate websites of Malaysian and Singaporean corporations and analyze how the CSR statements contribute in building a unique corporate identity of corporations. Content analysis is employed to examine the websites of Malaysian and Singaporean consumer corporations. It is believed that generally most companies tend to publish and communicate their CSR statements visibly to general stakeholders. However, there is a significantly different outcome of the articulation of CSR on practices on websites between Malaysian and Singaporean consumer corporations. A number of Singaporean organizations were found less concerned with CSR practices as compared to Malaysian organizations. The findings indicate a need for corporations in Malaysia and Singapore to orchestrate their core competence of CSR activities in order to develop a unique corporate identity in a global business environment.

Keywords: Corporate identity, Corporate Social Responsibility, Asian country.

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Authors: Yolanda Ramírez, Ángel Tejada, Agustín Baidez

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The purpose of this paper is to examine the quality of voluntary intellectual capital disclosure by public Spanish universities on their websites. To this end, a content analysis was used to analyze the websites of 50 public Spanish universities i 2016. The results of this study show that human capital was the most disclosed category with relational capital being the least frequently disclosed in Spain. However, the quality of structural capital disclosures was higher than relational and human capital. Finally, most IC disclosures were narrative in nature.

Keywords: Intellectual capital, quality disclosure, websites, universities, Spain.

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Authors: Mohd Iskandar bin Illyas Tan, Iziati Saadah bt Ibrahim

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Logistics is part of the supply chain processes that plans, implements, and controls the efficient and effective forward and reverse flow and storage of goods, services, and related information between the point of origin and the point of consumption in order to meet customer requirements. This research aims to investigate the current status and future direction of the use of Information Technology (IT) for logistics, focusing on Supply Chain Management (SCM) and E-Commerce adoption in Johor. Therefore, this research stresses on the type of technology being adopted, factors, benefits and barriers affecting the innovation in SCM and ECommerce technology adoption among Logistics Service Providers (LSP). A mailed questionnaire survey was conducted to collect data from 265 logistics companies in Johor. The research revealed that SCM technology adoption among LSP was higher as they had adopted SCM technology in various business processes while they perceived a high level of benefits from SCM adoption. Obviously, ECommerce technology adoption among LSP is relatively low.

Keywords: E-Commerce, Johor, Logistics Service Providers, Supply Chain Management.

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Authors: C. Ardil

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Multidimensional compromise programming evaluation of digital commerce websites is essential not only to have recommendations for improvement, but also to make comparisons with global business competitors. This research provides a multidimensional decision making model that prioritizes the objective criteria weights of various commerce websites using multidimensional compromise solution. Evaluation of digital commerce website quality can be considered as a complex information system structure including qualitative and quantitative factors for a multicriteria decision making problem. The proposed multicriteria decision making approach mainly consists of three sequential steps for the selection problem. In the first step, three major different evaluation criteria are characterized for website ranking problem. In the second step, identified critical criteria are weighted using the standard deviation procedure. In the third step, the multidimensional compromise programming is applied to rank the digital commerce websites.

Keywords: Standard deviation, commerce website, website evaluation, multicriteria decision making, multicriteria compromise programming, website quality, multidimensional decision analysis.

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Authors: Tarek Abdel Azim Ahmed, Eman Sarhan Shaker

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This research aims to explore how well the extended model of internet commerce adoption (eMICA) model is often used to determine the extent of internet commerce adoption in the travel agencies sector in both Egypt and Kingdom of Saudi Arabia (KSA). The web content analysis method was used to analyze the level of adoption of Egyptian travel agencies and Saudi travel agencies according to data immensely available on their websites. Therefore, each site was categorized according to the phases and levels proposed. In order to achieve this, 120 websites were evaluated by the two authors over a three-month period, from August to October 2020, and then categorized according to the phases and levels of (eMICA). The results show that there are deficiencies in the application of the eMICA model by both KSA and Egyptian travel agencies, generally, updating their websites, the absence of quality certification, offering secure online payment, virtual tours, and videos using Flash animation. In general, the Egyptian companies slightly outperformed the KSA ones in applying eMICA model.

Keywords: e-commerce, eMICA, Internet marketing, travel agencies, websites.

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Authors: Beste Kaysı, Yasemin Topaloğlu

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Usability is one of the most important quality attributes for web-based information systems. Specifically, for e-commerce applications, usability becomes more prominent. In this study, we aimed to explore the features that experienced users seek in e-commerce applications. We used eye tracking method in evaluations. Eye movement data are obtained from the eye-tracking method and analyzed based on task completion time, number of fixations, as well as heat map and gaze plot measures. The results of the analysis show that the eye movements of participants' are too static in certain areas and their areas of interest are scattered in many different places. It has been determined that this causes users to fail to complete their transactions. According to the findings, we outlined the issues to improve the usability of e-commerce websites. Then we propose solutions to identify the issues. In this way, it is expected that e-commerce sites will be developed which will make experienced users more satisfied.

Keywords: E-commerce websites, eye tracking method, usability, website evaluations.

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Authors: Pedram Behyar, Maryam Heidari, Zahra Bayat

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the purpose of this research is to identify and clarify factors which have positive effect among user satisfaction and their social networking through websites. The examined factors in this research are; innovation, ease of use, trustworthy and customer support which are defined as satisfaction factors. To obtain reliable research approaches and to have better result in this research four hypothesizes used to test. This hypothesis testing has been done by correlation, regression and test of normality by using “SPSS16" also the data which was analyzed by this software. this data was gathered from prepaid questionnaire.

Keywords: Customer Satisfaction, Social Network Website

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Authors: C. lo Storto

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This paper presents an approach based on the adoption of a distributed cognition framework and a non parametric multicriteria evaluation methodology (DEA) designed specifically to compare e-commerce websites from the consumer/user viewpoint. In particular, the framework considers a website relative efficiency as a measure of its quality and usability. A website is modelled as a black box capable to provide the consumer/user with a set of functionalities. When the consumer/user interacts with the website to perform a task, he/she is involved in a cognitive activity, sustaining a cognitive cost to search, interpret and process information, and experiencing a sense of satisfaction. The degree of ambiguity and uncertainty he/she perceives and the needed search time determine the effort size – and, henceforth, the cognitive cost amount – he/she has to sustain to perform his/her task. On the contrary, task performing and result achievement induce a sense of gratification, satisfaction and usefulness. In total, 9 variables are measured, classified in a set of 3 website macro-dimensions (user experience, site navigability and structure). The framework is implemented to compare 40 websites of businesses performing electronic commerce in the information technology market. A questionnaire to collect subjective judgements for the websites in the sample was purposely designed and administered to 85 university students enrolled in computer science and information systems engineering undergraduate courses.

Keywords: Website, e-commerce, DEA, distributed cognition, evaluation, comparison.

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Authors: Sakthi Priya Balaji R., Vijayendar G.

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This paper proposes a technique to block adult images displayed in websites. The filter is designed so as to perform even in exceptional cases such as, where face detection is not possible or improper face visibility. This is achieved by using an alternative phase to extract the MFC (Most Frequent Color) from the Human Body regions estimated using a biometric of anthropometric distances between fixed rigidly connected body locations. The logical results generated can be protected from overriding by a firewall or intrusion, by encrypting the result in a SSH data packet.

Keywords: Face detection, characteristics extraction andclassification, Component based shape analysis and classification, open source SSH V2 protocol

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Authors: Z. Abdullah, A. R. Hamdan

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This paper is meant to analyze the ranking of University of Malaysia Terengganu, UMT’s website in the World Wide Web. There are only few researches have been done on comparing the ranking of universities’ websites so this research will be able to determine whether the existing UMT’s website is serving its purpose which is to introduce UMT to the world. The ranking is based on hub and authority values which are accordance to the structure of the website. These values are computed using two websearching algorithms, HITS and SALSA. Three other universities’ websites are used as the benchmarks which are UM, Harvard and Stanford. The result is clearly showing that more work has to be done on the existing UMT’s website where important pages according to the benchmarks, do not exist in UMT’s pages. The ranking of UMT’s website will act as a guideline for the web-developer to develop a more efficient website.

Keywords: Algorithm, ranking, website, web structure mining.

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Authors: Abraham Undu, Stephen Akuma

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Websites are becoming a major component of an organization’s success in our ever globalizing competitive world. The website symbolizes an organization, interacting or projecting an organization’s principles, culture, values, vision, and perspectives. It is an interface connecting organizations and their clients. The university, as an academic institution, makes use of a website to communicate and offer computing services to its stakeholders (students, staff, host community, university management etc). Unfortunately, website designers often give more consideration to the technology, organizational structure and business objectives of the university than to the usability of the site. Website designers end up designing university websites which do not meet the needs of the primary users. This empirical study investigated the Benue State University website from the point view of students. This research was realized by using a standardized website usability questionnaire based on the five factors of usability defined by WAMMI (Website Analysis and Measurement Inventory): attractiveness, controllability, efficiency, learnability and helpfulness. The result of the investigation showed that the university website (https://portal.bsum.edu.ng/) has neutral usability level because of the usability issues associated with the website. The research recommended feasible solutions to improve the usability of the website from the users’ perspective and also provided a modified usability model that will be used for better evaluation of the Benue State University website.

Keywords: Usability, usability factors, university websites, user’s perspective, WAMMI, modified usability model, Benue State University.

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Authors: Byung-Ik Kim, Hong-Koo Kang, Tae-Jin Lee, Hae-Ryong Park

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Cyber terrors against specific enterprises or countries have been increasing recently. Such attacks against specific targets are called advanced persistent threat (APT), and they are giving rise to serious social problems. The malicious behaviors of APT attacks mostly affect websites and penetrate enterprise networks to perform malevolent acts. Although many enterprises invest heavily in security to defend against such APT threats, they recognize the APT attacks only after the latter are already in action. This paper discusses the characteristics of APT attacks at each step as well as the strengths and weaknesses of existing malicious code detection technologies to check their suitability for detecting APT attacks. It then proposes a network-based malicious behavior detection algorithm to protect the enterprise or national networks.

Keywords: Advanced Persistent Threat, Malware, Network Security, Network Packet, Exploit Kits.

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Authors: Che-Wei Lee, Bay-Erl Lai

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A new steganographic method via the use of numeric data on public websites with a self-authentication capability is proposed. The proposed technique transforms a secret message into partial shares by Shamir’s (k, n)-threshold secret sharing scheme with n = k + 1. The generated k+1 partial shares then are embedded into the numeric items to be disguised as part of the website’s numeric content, yielding the stego numeric content. Afterward, a receiver links to the website and extracts every k shares among the k+1 ones from the stego numeric content to compute k+1 copies of the secret, and the phenomenon of value consistency of the computed k+1 copies is taken as an evidence to determine whether the extracted message is authentic or not, attaining the goal of self-authentication of the extracted secret message. Experimental results and discussions are provided to show the feasibility and effectiveness of the proposed method.

Keywords: Steganography, data hiding, secret authentication, secret sharing.

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Authors: Mario Spremić, Natalija Kokolek, Božidar Jaković, Jurica Šimurina

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This paper deals with various questions related to functionality and providing banking services in the European union on the Internet. Due to the fact that we live in the information technologies era, the Internet become a new space for doing economic and business activities in all areas, and especially important in banking. Accepting the busy tempo of life, in the past several years electronic banking has become necessity and a must for most users of banking services. On a sample of 300 web sites of the banks operating in European Union (EU) we conduct the research on the functionality of e-banking services offered through banks web sites with the key objective to reveal to what extent the information technologies are used in their business operations. Characteristics of EU banks websites will be examined and compared to the basic groups of business activities on the web. Also some recommendations for the successful bank web sites will be provided.

Keywords: Electronic banking, electronic business, European Union banks, internet.

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