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to assess the perceived benefits and risks of each of the payment mechanisms.   It 
concludes that the success of online payment mechanisms is largely due to their 
perceived relative advantage, compatibility and trialability.  It further concludes that 
these  perceived  characteristics  are  in  turn  affected  by  consumers’,  bankers’, 
merchants’, and regulators’
understanding of the security and control surrounding 
them. 
Chapter 15 entitled, “Approaches to a Decentralized Architecture for an 
Electronic Market—A Study for the Air Cargo Business” by Freimut Bodendorf and 
Stefan Reinheimer of the University of Erlangen-Nuremberg (Germany) proposes a 
decision support model for electronic markets using software agents.  The model is 
based on the value chain concept applied to interorganizational information technology 
(IT),  and  the  consideration  of  new  coordination  mechanisms  to  increase  the 
efficiency of business processes.   The proposed framework is used to design an 
electronic air market.   In recent years, the companies of the air cargo arena have 
neglected to adapt to their customers’ needs in a timely manner.   This chapter 
suggests that the decentralized implementation of software agents to support the 
transaction processes will support users and allow them to accomplish the needed 
phases involved in business transactions ranging from information gathering to 
negotiation. 
Chapter 16 entitled, “A Web Usability Assessment Model and Automated
Toolset” by Shirley Becker, Anthony Berkemeyer and Natalie Roberts of the Florida
Institute of Technology (USA) speculates that an e-commerce site will be most useful
when consumer usability attributes (e.g., performance, design layout, navigation) drive
its development.  This chapter describes a web usability assessment tool that is being
developed to provide usability feedback on a particular Web site.  This tool incorporates a
set of usability attributed with user profile data and organizational goals for ongoing
assessment of the effectiveness of a Web site. 
Chapter 17 entitled, “Categorizing the Supplier Content of Public Web Sites,” by 
Dale  Young 
of  Miami  University  of  Ohio  (USA),  identifies  the  supplier
communication and supplier diversity content on public Web sites of the firms on the 2000
Fortune 500 list and creates a categorization scheme for that content.   The chapter
concludes that public Web sites are largely underutilized as a means of interacting
with potential suppliers from a diverse population.   The chapter also indicates the most
common supplier diversity content for prospective suppliers on Fortune 500 public
Web sites: certification requirements, online applications and a contact name/title for the
diversity manager.