电子保单在保险电子商务应用背景与效益分析

保险电子商务作为一种新型的经营渠道和商业模式,在降低保险企业经营成本、创造新的营销手段、培育合作伙伴关系等方面发挥的重要优势,已被越来越多的保险企业所意识到,国内保险企业追逐电子商务潮流竞相开通了各自富有特色的保险电子     

面向电子商务的网络信息挖掘技术研究

利用网络信息挖掘技术,可以有效挖掘客户个性特征,从而指导电子商务网站资源的组织和分配.本文介绍了电子商务中网络信息挖掘技术及其挖掘过程,最后概括了网络挖掘技术在电子商务中的主要应用方法.     

税务网站建设存在的问题及改进

以互联网为基础设施的税务网站是电子政务的重要组成部分,也是税务机关面向社会提供电子化管理和服务的窗口.通过税务网站的建立,不仅为企业和公众提供从查询到办事的各类服务,而且使税务信息资源得以互通共享,更为重要的是,将有力地促进税务机构重组、流程再造和职能转变,提高政务规范化、效能化,使税务机关从传统管理体制向新型管理体制转变.     

Rethinking models of technology adoption for Internet banking: The role of website features

Research on the adoption of information technology, drawing on models borrowed from social psychology, typically views adoption as a function of individual attitudes, the influence of others, perception of ability to perform a particular behaviour, and facilitating factors. A significant limitation of these models, in technology-adoption situations, is failure to consider the features of the technology itself. This essentially theoretical paper introduces the construct ‘website features’ as potentially influential in technology adoption, and specifically Internet banking. Research evidence on the salience of such features is reviewed, and it is argued that the effective features and their impacts differ along the stages of the customer purchase process. A theoretical framework is developed for evaluating website design in relation to these stages. Incorporating this construct into existing models, it is argued, will advance marketing theory in an online environment and assist website designers in enhancing website effectiveness to the benefit of the business–customer relationship.     

The impact of website design on the perceived credibility of internet financial reporting

Marketing and information systems research show that surface features of a website can induce credibility effects. We conduct an experiment to examine the question of credibility effects induced by the surface features of web-based financial reporting. We predict that participants will perceive financial data from sites with surface flaws (poor style and incompleteness) to be of lower credibility. Consistent with our expectations, we find that surface features can significantly affect users' perceptions of the credibility of financial information. We present further analyses showing that website surface features also impact investment attractiveness, suggesting that website characteristics may adversely affect investor perceptions. Copyright © 2010 John Wiley & Sons, Ltd.     

An analysis of website evolution in the pensions sector

Considerable commentary exists on the potential of the internet for transforming the financial services industry but there is limited longitudinal research into changing website configuration. Studies have investigated online banking ignoring more complex financial services such as pensions. This paper proposes a model of financial services website evolution and applies it to a longitudinal content analysis of 30 pension provider websites, spanning eight years of web development from 1996 to 2003. The study finds that pension websites have evolved over time with apparent links between phases of development and external drivers. The findings indicate that websites support new business transactions rather than existing account management and provide more information on company strength and market position than detail on product and services. Marketing opportunities are present for improved online information provision, business-to-business communication and customer servicing.     

The effect of ad blocking on website traffic and quality

Ad blocking software allows Internet users to obtain information without generating ad revenue for site owners, potentially undermining investments in content. We explore the impact of site‐level ad blocker usage on website quality, as inferred from traffic. We find that each additional percentage point of site visitors blocking ads reduces its traffic by 0.67% over 35 months. Impacted sites provide less content over time, providing corroboration for the mechanism. Effects on revenue are compounded; ad blocking reduces visits, and remaining visitors blocking ads do not generate revenue. We conclude that ad blocking poses a threat to the ad‐supported web.     

自定义脚本的分行特色网站的开发实践

随着网银业务的快速发展及用户的增加,很多客户提出了在网银中实现具有地方特色的中间业务应用需求。这样的客户群多为银行大客户,常常只提供口头需求,不愿意书写规范的需求文档,其需求个性化色彩很强,经常发生变动,特别是需求提出得很突然,一般又都要求在最短时间内投产。由于这些客户对银行业务经营十分重要,银行营销人员和科技人员都不宜强求对方按照规范方式提出需求,也不宜推迟对方的时间要求。这就使得银行开发人员面临较大的困难：—方面客户时间要求急迫,但需求随意多变;一方面网上银行这种特殊业务网站对安全性要求极高,开发时需要注意的地方非常多,     

浅谈网站服务器安全维护技巧

服务器的维护至关重要,稍有闪失即会使整个网络陷入瘫痪。目前,恶意的网络攻击行为包括两类：一是恶意的攻击行为,如拒绝服务攻击、网络病毒等,这些行为消耗大量的服务器资源,影响服务器的运行速度和正常工作,甚至使服务器所在的网络瘫痪;另外一类是恶意的入侵行为,这种行为会导致服务器敏感信息泄露,     

企业科技投入问题分析

企业的科技创新活动离不开企业的科技投入。我国企业的科技投入比之发达国家仍有较大距离。从科技投入的来源上分析,存在着资金筹措困难,融资渠道需要拓展和完善、企业科技活动起点较低,投入意识不强等原因。必须建立多元化融资渠道,加强政策引导,促使企业加大自身投入。     

关于网银病毒及假冒网站的风险分析

随着互联网的不断发展和迅速普及，网上银行被越来越多的人所接受，同时也成为银行等金融机构竞相发展的重头戏。统计显示，目前国内已有20多家银行的200多个分支机构拥有网址和主贞，其中开展实质性网上银行业务的分支机构达50余家，网上银行年交易量已达万亿元。为此，有专家预测，2005年我国的网上银行用户数将飙升到1．4亿户。