recent growth and developments in internet and electronic services play a significant role in banking industry all over the world especially in iran. it caused an intensive competition between governmental and non- governmental banks in the field of using e-banking services in a way that each bank attempts to attract more customers using high-quality e-services. ways of delivering services, qua...

Assumption 1-(ii) ensures that an equilibrium in which both firms have positive demand prevails when only one of the firms offers the service (else, one firm would set a price to undercut the other and capture the entire market). Similarly, Assumption 1-(iii) ensures both firms have positive demand when both firms offer the service, and Assumption 1-(iv) ensures both firms have positive demand ...

The purpose of this paper is to report on the development of comparable set of metrics, or else – a benchmarking standard – on the Latvian non-life insurance market. In this research we used a case study methodology, deploying a number of research strategies, namely: in-depth interviews with heads of industry associations and a survey of representatives of insurance broker companies. We argue t...

Electronic services provided by governmental organizations, here referred to as public eservices, are frequently discussed in the e-government literature. There is, however, little consensus on the meaning of the concepts used to describe and discuss these e-services, and hence, the literature is full of synonymous terms and concepts. This paper is conceptual and presents efforts to understand ...

The digital world has entered governments and public sector institutions. In that context, public e-services have been gaining increasing importance in recent years. However, will everything end up being digital in the future? This article investigates the preferences of citizens and business users to adopt different public services electronically and via further offline channels. Data of 500 c...

Many surveys and studies to date have pointed out that there is a considerable gap between expressed interest from potential users and the actual use of e-government information and services. However, the factors influencing that gap have not yet been fully explained and understood. This paper therefore investigates the real driving forces concerning the ‘demand’ side of egovernment and the tak...

In order to balance between citizen and agency aspects’ importance and visibility in public e-service development, the question how to involve different stakeholders is often raised. However, identifying and analyzing several internal as well as external stakeholders in relation to e-government development raises some ethical questions: Who should participate and who should not? For what reason...

We explore the effect of consumer education on the likelihood of increasing the behavioural intention to use e-government services in Lebanon in the context of initial learning experience. E-government refers to the use of information and communication technology to improve public administration. The adoption of e-government systems by end users has remained below expectations and the efforts o...