This paper gives an overview of e-government development in Estonia. The analysis incorporates both public sector initiatives and private sector developments which have contributed to the evolution of e-government. Private sector agents are seen as endogenous, not exogenous, in explaining e-government performance. Ultimately, the development of Internet banking by the private sector was fundame...

Information technology is considered as the key driver for the changes taking place around the world. Internet banking (IB) is the latest and most innovative service offered JIBC April 2010, Vol. 15, No.1 2 by the banks. The transformation from the traditional banking to e-banking has been a 'leap' change. The evolution of e-banking started from the use of Automatic Teller Machines (ATMs) and t...

Distributed Denial of Service (DDoS) attack imposes a severe threat to the extensively used Internet based services like e-commerce, e-banking, transportation, medicine, education etc. Hackers compromises the vulnerable systems for launching DDoS attacks in order to degrade or sometimes completely disrupt such services. In recent years, DDoS attacks have been increased in frequency, sophisticat...

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere bankin...

We describe how Semantic Web Service technology can be used for the provisión of personal e-banking online services. We describe two deployed applications: an overdraft notification service and a mortgage comparison service. The former accesses the bank accounts of a user as well as utility goods Web sites where invoicing information is stored and estimates whether the user will be in an overdr...

The importance of service delivery technology and online service adoption and usage in the banking industry has received an increased discussion in the literature in recent years. Owing to the fact that Strong online banking services are important drivers for bank performance and customer service delivery; several studies have been carried out on online banking service adoption or acceptance wh...

There have been many fragmented studies of Internet service quality which have resulted in several models with different combinations of constructs and items, some focusing on different perspectives, and many using different names for the same construct. Some of these models were developed for the specific context of Internet banking. This paper consolidates these fragmented studies of Internet...

Abstract—This study examines several critical dimensions of eservice quality overlooked in the existing literature and proposes a model and instrument framework for measuring customer perceived e-service quality in the banking sector. The initial design was derived from a pool of instrument dimensions and their items from the existing literature review by content analysis. Based on focused grou...

This chapter proposes a model that (1) analyzes the direct and indirect effects of e-service quality on satisfaction and value with the moderating/mediating role of value as well as (2) analyzes the positive impact of gender, age, education, and income on quality, satisafaction, and value. The overall results show service quality is a major predictor of perceived value, which in turn is positiv...

This paper will present the reasons for success of e-banking (including actual results) in Croatia both among the individuals and companies. The main reason is that up to early 2002 all companies' payments were done through a centralized system. Only then banks started to do payment services for companies which were faced with a rather easy choice – continue using paper payment orders and recei...