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Application of Semiotic and Legal Modeling in E-Commerce” by James Backhouse 
of the London School of Economics and Edward K. Cheng of Harvard Law School 
explores the semiotic and legal aspects of online contracts.  The paper creates a model 
of the contract creation process and applies it to electronic commerce in intangible 
goods.  Since electronic commerce extends beyond any jurisdiction, the need for high 
level abstraction and model comparison is bound to increase.  This paper addresses 
those needs. 
Chapter 6 entitled, “Customer Loyalty and Electronic Banking: A Conceptual 
Framework” by Daniel Tomiuk and Alain Pinsonneault of McGill University 
(Canada) presents a conceptual framework that helps to understand and assess the 
impacts of information technology on customer loyalty in retail banking.  The authors 
define customer loyalty and identify its antecedents. They conclude that because it 
reduces the amount of face-to-face
interactions customers have with bank personnel, 
online banking is likely to lead to lower levels of loyalty of communally-oriented 
customers and to higher levels of loyalty for exchange-oriented customers. 
Chapter 7 entitled, “Electronic Commerce and Strategic Change Within
Organizations: Lessons from Two Cases” by Robert Galliers of the London School of
Economics and Sue Newell of the University of London (United Kingdom) reviews and
contrasts the experiences of two major companies in attempting significant change
projects incorporating information and communication technologies.   The chapter
points out that although much attention is currently focused on e-commerce industry
transformation and inter-organizational relations, e-commerce can also impact
complex internal relations and communication. 
Chapter 8 entitled, “Trust in Internet Shopping: Instrument Development and 
Validation Through Classical and Modern Approaches” by Christy M. K. Cheung 
and Matthew K. O. Lee of the City University of Hong Kong (China) proposes a 
theoretical model for investigating the nature of trust in the specific context of Internet 
shopping.  The instrument discussed represents a rigorously developed and validated 
instrument for the measurement of various important trust related constructs. 
Chapter 9 entitled, “Electronic Broker Impacts on the Value of 
Postponement in a Global Supply Chain” by William Robinson of Georgia State 
University and Greg Elofsen of Fordham University (USA) investigates whether 
adding a market-making electronic broker to a supply chain increases the value of 
postponement.  The authors test the relation by comparing the results of agent-based