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Cyber fraud cases have been on the rise globally, with Malaysia experiencing a surge during the COVID-19 pandemic, which highlights the need for increased awareness among consumers. The use of e-services by fraudsters presents an ever-increasing challenge as it becomes harder to detect such activities, with victims suffering various losses, such as financial, psychological, and trust-related. This study aimed to investigate the factors that influence the intention of e-services users to protect themselves against cyber fraud using the Protection Motivation Theory (PMT) and Structural Equation Modelling. The results show that cybersecurity efficacy, source credibility, and response efficacy positively influence protection behaviour, while perceived vulnerability does not. The study's contribution is the operationalization of the cybersecurity efficacy construct into two components: knowledge and skills. [ABSTRACT FROM AUTHOR]

Chatbots are increasingly finding their way into e-commerce and e-services, as their implementation opens up promising opportunities to improve customer service. The present paper examines chatbots in this context, elaborating on their functional aspects that are rapidly leading to significant improvements in service quality. First, based on a literature review of recent publications in this field, an overview of their key features and functionalities underlining the relevance of chatbots for customer service is provided. Second, a further contribution is made by introducing two categories of chatbots' objectives based on their functional dedication, i.e. "improvement of service performance" and "fulfillment of customer's expectations". The considered chatbots' customer-related functions are interaction, entertainment, problem-solving, trendiness, and customization. The chatbot categories are discussed in detail. Their positive influence on service quality, constituting the chatbots' functional goal, as well as the potential of chatbots in customer service are pointed out. [ABSTRACT FROM AUTHOR]

The purpose of this paper is to gain knowledge about how to manage digital transformation projects in a government context. We analyze a government digital transformation project from its initiation to its end and reflect upon the process and the outcome. The case project did not achieve its intended objectives and therefore provided us with insights on contextual factors and decisions made that contributed to its failure. The results are presented as five key lessons learned. The lessons learned from the case study show that extensive focus on the technology, and selecting, and introducing the digital enabler, might have overshadowed other important concerns, such as early involvement of important stakeholder groups, and implementation of suitable technological platforms that would be fit for purpose to achieve the intended benefits for various stakeholder groups. Even though the intended e-services were not delivered as planned, the project organization learned a lot: in collaborating with government agencies representing different sectors, handling demanding financing schemes across sectors, and making decisions in a project regime that lacked sufficient governance structures. [ABSTRACT FROM AUTHOR]

Regulators often have three different approaches when it comes to regulating FinTech; Ignore, liken, or regulate. As one of the most regulated sectors in Turkish economy, financial services are far from being ignored. FinTech companies in Turkey have been developing innovative products and services that provide great value for consumers and businesses. Fast pace of development in areas based on electronic services such as e-invoice, e-payments, e-government services, importance of FinTechs have become more apparent with their agility in taking action and offering innovative services. However, as agile as they might be, FinTech companies tend to ignore the regulations which financial institutions are subject to. "If it works here, it works everywhere" approach may have a serious downside when it comes to execution stage. From definition of the service to areas of application, to formation of the company and background of the investors, the ever-dictating financial sector regulations change dramatically from one country to another. As in the example of popular payment provider PayPal, failing to keep primary systems domestically may lead to a rejection of license application from BRSA (Banking Regulation and Supervision Agency) [1] Another example of such regulations is the need to do Due Diligence and monitor suspicious customer activity for AML/CTF purposes for some FinTechs in payment industry. Such requirements can be daunting for a technology-oriented point of view, and many of these companies face these facts at a later stage when they try to coexist or collaborate with other financial institutions. As these requirements may alter operational costs, human resources, and even IT infrastructure, they struggle to find investment or sign contracts with financial institutions. This study covers both successful and unsuccessful FinTech projects in payments and their position against regulations and offer remediations for better acceptance within Turkish financial sector. [ABSTRACT FROM AUTHOR]

Most of the e-Government projects facing problem in integration with external services, hence there is a lack of collaboration and exchange information among different public administration e-services. Directorate General of Tax (DGT) has developed many electronic services, but until today the interoperability maturity level of that services never been assessed. Interoperability Maturity Model (IMM) is a methodology to get insight and evaluate interoperability maturity of public service based on a set of defined attribute and maturity stage. We used IMM as the methodology for interoperability maturity evaluation in this research because it is the most recent, has a complete attribute for each interoperability layer, open resources and has been used in Europe's interoperability improvement program. According to the assessment, DGT's Interoperability maturity is in level 3 for overall areas. In other words, DGT electronic services are at an essential stage. The main component of interoperability best practice has implemented in DGT's electronic services. [ABSTRACT FROM AUTHOR]

Abstract There is a growing emphasis on digital transformation in research and business practice. The creation of value from IT-investments is a critical factor in digital transformation. Research has documented that the ability to realize IT-value is a very challenging endeavor, especially for small enterprises who because of resource poverty are dependent on external input and cooperation with other companies. There is a general lack of research on the phenomenon of how IT-value is co-created, particularly in small firms. This paper reports from a study of a cluster of performing arts organizations, Blender Collective. They realized that audience data is a key issue, and that they lack the tools to work strategically with audiences. Blender Collective members therefore engaged in a project to develop a collaborative approach towards strategic audience development. The results expand our understanding of the dynamics related to co-creation in a cluster of small businesses. We find that co-creation can be an important avenue for small enterprises to invest in IT and realize IT-value. We propose a modified IT-value framework to explain how networks of small enterprises would co-create IT-value. [ABSTRACT FROM AUTHOR]

It is undeniable that the Internet of Things is an emerging research area encouraging numerous exciting solutions to many problems encountered in numerous domains. The aim of this paper is to study the literature review of electronics applications in the context of the Internet of Things’ challenges and solutions for emerging sensors and electronics applications. The analysis topics include: a review of electronics applications in the Internet of Things (IoT); what is the IoT; innovation directions of the IoT; IoT applications in the context of electronics; the IoT and future Internet technologies. [ABSTRACT FROM AUTHOR]

The work describes the phases of the development of the information system on scientific activities covered by the Ministry of Education, Science and Technological Development of the Republic of Serbia. The sequential phases of the project are: Recording data on scientific institutions, researchers, and research projects financed by the Ministry, Input and evaluation of the published results achieved in the research projects financed by the Ministry, Establishing electronic services for searching, presentation, and interoperability of data on scientific activity, and Generating various reports for the different needs related to scientific activities. The information requirements are listed and the system software architecture is described. The development of the system is based on the recommendations of the organization euroCRIS. [ABSTRACT FROM AUTHOR]

Mobile shipments have surpassed those of PCs and tablets, and the demand for mobile services has never been higher. Although, many businesses believe mobile devices and services are beneficial to them, they have not actually taken steps to adopt mobile on a large scale. Other enterprises are limiting adoption to provision of a mobile friendly web page or including mobile elements within their existing electronic services. This paper proposes a holistic framework that highlights the goals of mobile adoption, presents a taxonomy of enterprise mobile services capabilities which if utilised should assist organisations to achieve the goals of mobile adoption and categorises the components of mobile solutions and mobile strategy. Developing a taxonomy of enterprise mobile services capabilities helps the transformation to a mobile enterprise by supporting the visualisation of a future state of the enterprise. [ABSTRACT FROM AUTHOR]

E-Commerce has already entered into the Indian market for online shopping. People are more inclined towards online shopping which has changed the complete market scenario. There are several online shopping portals offered by organizations such as, Amazon, Flipkart, Snapdeal, Junglee, Jabong, and others, which are enjoying their online market share. As the number of online buyers and traders are increasing, effective business techniques need to be adopted to handle the large amount of data generated every day. Recommendation Systems play an important role in filtering this data and providing adequate information to the users. Various techniques like Collaborative Filtering, Content-based, and Demographic have been adopted for recommendation but there are several drawbacks causing these techniques to fail in providing effective recommendations. Therefore, it is necessary to identify more distinguishing features for optimizing these techniques. This can be achieved through utilizing the strengths of various techniques in a hybrid manner. This paper describes an effective hybrid technique for book recommendation with the use of Ontology for user profiling to increase system efficiency. [ABSTRACT FROM AUTHOR]

E-commerce organizations are growing exponentially with time in terms of both business and data. Many organizations rely on these websites to attract new customers and retain the existing ones. In order to achieve this goal web log files can be used that records customer's access patterns. Using traditional web usage mining techniques in an enhanced manner valuable patterns and hidden knowledge can be discovered. This paper focuses on providing real time dynamic recommendation to all the visitors of the website irrespective of been registered or unregistered. Action based rational recommendation technique is proposed that makes use of lexical patterns to generate item recommendation. Effectiveness of the proposed system is evaluated by collecting real time E commerce data and comparing the system with user based and product based techniques. Results prove that the proposed system yield good quality accuracy and minimizes limitations of traditional recommendation system. [ABSTRACT FROM AUTHOR]

Abstract: The significant impact of e-commerce (EC) on the livelihood or rural populations in developing countries like Iran has made this topic of popular interest to many researchers in the past decade. To take advantage of e-commerce, employing suitable models which are adaptive to the circumstances of villages in rural areas is indispensable. Iran is on track for achieving this goal, development of EC in Rural areas. Considering the importance of sharing rural ICT experiences, the trend and experiences of the Rural EC infrastructure in Iran are demonstrated in this paper. According to our research, Iran’s rural ICT network development started in 2000 with the far northern village of Shahkooh which is known as the first multi-media center of Iran. In 2004, Iran national strategic plan of Rural ICT built two well-equipped telecentres near the villages of East Livan and Gharnabad. Taking availability of data and the duration of operation al time to account, these two telecenters were selected for this paper. In 2005, UNESCO Tehran Cluster Office was empowered to carry out a study on the economic and social effect of rural ICTs to share with others, acting in this field at regional and social levels. In fact, in order to find applicable and durable solutions for economic, social and environmental problems, these projects were carried out in the rural areas of Iran. In this paper, a practical model of e-commerce for rural areas of Iran is proposed. Our research is based on quantitative and qualitative methodologies. The qualitative methods comprised of open-ended interviews with officials and telecentre operators. The proposed model is related to the national project known as “10000 Rural ICT Center” which was started in the year 2004. In this project, Rural EC services are part of the IT application services at the Rural ICT Centers which supply four services; Communication Services, IT services, Postal Services and E-Banking services. [Copyright &y& Elsevier]