O'Brien CoverManagement Information Systems 4/e - James A. O'Brien
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Chapter 8: The Internet and Electronic Commerce


Application Exercises
Application Exercises

1. Evaluating Banking on the Web

Web banking is an idea whose time has come-to San Francisco and Seattle mostly. Only four of the top 50 U.S. banks let customers use the World Wide Web to access checking and savings accounts check balances and transfer funds. Three of those banks are West Coast heavy hitters Wells Fargo Bank Bank of America and U.S. Bank. Two other big banks offer similar services in the South: First Union Corp. and Atlanta Internet Bank. See Figure 8.36. Dozens of smaller banks and credit unions have made the jump to the Web but banking powerhouses such as Citibank in the Northeast and First Chicago in the Midwest are still dragging their feet offering nothing but informational Web sites.

Of course no one chooses a bank based on availability of Web banking. Not yet anyway.

  1. Surf to the web sites of the five banks shown in Figure 8.36. Evaluate them based on the same criteria used in that figure.

  2. Do you agree with Frank Hayes’s evaluations of these web sites? Why or why not?

  3. Which of these or any other online banking web site is your favourite? Why?


2. Electronic Commerce and Payments

Figure 8.37 outlines several sources for information on electronic commerce and payments including links to related sites.

  1. Surf to these sites to find information and examples about several electronic commerce topics such as retailing or wholesaling on the Web electronic data interchange or supply chain management. Choose one topic and explain how it might affect your future career in business.

  2. Find information and examples of electronic payment technologies and alternatives at these sites such as the digital wallet digital certificates the SET standard and digital currency or e-cash. Which of these payment methods would you recommend to an online business? Explain the reasons for your recommendations.



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