Web personalization techniques employed to analyze data collected from customers include content-based filtering, collaborative filtering, rule-based filtering, and web usage mining.

1. Importance rules of an online payment
E-finance adopters may have a higher level of risk perception than other e-commerce adopters do and
therefore desire a higher level of information, system, and service quality. Moreover, given the variety
in risk tolerance levels, e-finance adopters might exhibit different demographic characteristics than
other e-commerce adopters. Our subsequent future study, therefore, should further examine the
adoption decision factors across various e-commerce systems and the interrelationships among them.
Online payment system has gained in popularity because vendors and creditors realize its growing
importance as a foundation to improve their information infrastructure and to achieve "paperless"
operating efficiency. However, due to per se different characteristics among customers and Web-systems,
both sides' perspectives and technology factors could cause a significant level of variation in
customers' acceptance of online payment methods.
Our research involving 148 subjects who participated in a field survey, examined the impact of a series
of possible decision factors, including perceived risk, perceived benefits, vendor's system features, and
customers' characteristics, on the intention to use an online payment system by customers. The results
suggest that vendors/creditors should: one, pay particular attention to improving the security and the
ease-of-use of their transaction network; and two, focus on adding necessary option features, such as
recurring automatic deductions, so that they can speed up the transformation process and encourage
customers to switch to using online payment methods.
Electronic marketplaces are inter-organizational information sharing systems that enable virtual
business transactions and allow the exchange of price and product information between buyers and
sellers. For many decades, such information systems were solely utilized for buying and selling of goods
under "market conditions." With the emergence of advanced IT, academia, and also businesses have
begun to use electronic marketplaces for information sharing system and it is no longer only a medium
for electronic buying and selling processes.
In addition, electronic marketplaces are predicted to be a key-stone for integrating the information
flows within inter-organizational systems such as supply chains where borderless organizational
structures occur .Although e-services have been recognized for their contribution to strengthening
customer relationships and fostering customer loyalty, prior research is heavily skewed toward the field
of business-to-consumer interactions and online payment gateway retail channels. This article explores
the evolution of e-services in the business-to-business domain. Based on the case study of ETA SA, a
Swiss manufacturer of watch movements and components, it identifies three stages of increasing
electronic interaction with customers.
The company pioneered online ordering of watch spare parts based on a first generation e-commerce
solution and subsequently introduced a comprehensive customer service portal. Our research suggests
that moving from the e-commerce solution to the customer process portal involved a significant
extension of the e-service portfolio (service innovation), whereas the subsequent stage introduced an
additional electronic channel (channel innovation).