Evaluating trust in electronic commerce : a study based on the information provided on merchants' websites

Lack of trust has been identified as a major problem hampering the growth of Electronic Commerce (EC). It is reported by many studies that a large number of online shoppers abandon their transactions because they do not trust the website when they are asked to provide personal information. To support trust, we developed an information framework model based on research on EC trust. The model is based on the information a consumer expects to find on an EC website and that is shown from the literature to increase his/her trust towards online merchants. An information extraction system is then developed to help the user find this information. In this paper, we present the development of the information extraction system and its evaluation. This is then followed by a study looking at the use of the identified variables on a sample of EC websites

Performance of the Child Maintenance and Enforcement Commission: memorandum for the House of Commons Work and Pensions Committee

"This memorandum has been prepared for the House of Commons Work and Pensions Committee to provide an update on the performance of the current statutory child maintenance schemes, following completion of a three year improvement plan. This memorandum also sets out the progress made by the Child Maintenance and Enforcement Commission towards redesigning the child maintenance system in Great Britain, as set out in the Child Maintenance and Other Payments Act 2008" - clause 1.

The Belgian migration to SEPA (Single Euro Payments Area)

The main aim of SEPA (Single European Payment Area) is to promote financial integration in Europe, more particularly in the field of cashless payment services and payment systems. It is intended to enable all economic players (businesses, consumers and public authorities) to effect payments anywhere in the SEPA zone (the 27 EU countries plus Iceland, Liechtenstein, Norway and Switzerland) as easily, securely and efficiently as domestic payments. It must also be possible to execute these payments in accordance with a single regulatory framework within which all players have the same rights and obligations. To that end, the European Parliament and the Council adopted a directive on payment services in the internal market, which has to be transposed into national law by 1 November 2009. The SEPA migration is a process whereby the current national payment instruments are gradually replaced by standardised European instruments. More precisely, European instruments have been developed for credit transfers and direct debits, while a general framework has been set up for payment cards. The development of standards for these payment instruments and the organisation of the migration to SEPA were largely decided by the banking sector. For that purpose, interbank consultation bodies were set up at national and European level, and special structures were created to encourage societal dialogue concerning SEPA and its implementation. In Belgium, the organisational structures behind the SEPA migration are the “Steering Committee on the future of means of payment” and the SEPA interbank Forum. SEPA is being created in phases. The signal for the operational launch was given just over a year ago : since 28 January 2008 it has been possible to use the European transfer to effect payments anywhere in the SEPA area. The banking sector set the launch date for the European direct debit at European level : it will coincide with the date on which the payment services directive has to be transposed into national law, namely 1 November 2009. The success of the launch of the European direct debit on that date will depend mainly on a number of legal aspects, its adoption by the market, and the time taken to implement it in banks and businesses. The SEPA Card Framework is ready and has applied since 1 January 2008, but that has had little or no practical impact on the Belgian market in bank cards. Although the original plan for switching to a new payment card scheme in a single operation was abandoned, the Belgian market is technically ready for the introduction of new card payment schemes.SEPA (Single European Payment Area), payments instruments, financial integration, Payment Services Directive, banking standards

A simplified activity-based costing approach for SMEs : the case study of an Italian small road company

Purpose: The paper proposes an original conceptual model for designing a simplified Activity-Based Costing (ABC) approach for Small and Medium-sized Enterprises (SMEs) by focusing on the transport sector. Design/Methodology/Approach: The model is designed starting from the distinctive characteristics of the SMEs’ collaborative culture. The approach is then tested in the case of an Italian small-road company. Findings: The simplified ABC, which was gradually introduced in the SME, allowed the firm to gain confidence with the costing system. Moreover, the discussion of the results led to identifying the main areas to improve. Practical Implications: Costing systems based on collaboration can lead to operational improvements in SMEs operating in dynamic and competitive sectors as transport. Moreover, advanced technologies may hold a crucial role for their development. Originality/Value: Not much research has considered collaboration as a driver for introducing ABC in SMEs. The paper contributes to the literature on simplified managerial approaches, suggesting trends for future research.peer-reviewe

The development of direct payments in the UK: implications for social justice

Direct payments have been heralded by the disability movement as an important means to achieving independent living and hence greater social justice for disabled people through enhanced recognition as well as financial redistribution. Drawing on data from the ESRC funded project Disabled People and Direct Payments: A UK Comparative Perspective, this paper presents an analysis of policy and official statistics on use of direct payments across the UK. It is argued that the potential of direct payments has only partly been realised as a result of very low and uneven uptake within and between different parts of the UK. This is accounted for in part by resistance from some Labour-controlled local authorities, which regard direct payments as a threat to public sector jobs. In addition, access to direct payments has been uneven across impairment groups. However, from a very low base there has been a rapid expansion in the use of direct payments over the past three years. The extent to which direct payments are able to facilitate the ultimate goal of independent living for disabled people requires careful monitoring

The Children's Health Insurance Program: A 50-State Examination of CHIP Spending and Enrollment

Millions of children in the United States lack health insurance. Research shows that these uninsured children are far less likely to receive medical care than are their peers with health insurance. They have more avoidable hospitalizations and worse asthma outcomes, and they are at higher risk of having truancy problems.The Children's Health Insurance Program (CHIP) was created in 1997 as a federal-state partnership administered by every state to provide health insurance to those children who neither qualify for Medicaid nor have access to other forms of insurance. In fiscal year 2013, CHIP covered 8.1 million children at a total cost of more than $13 billion.And since its inception, the program has been instrumental in reducing the number of uninsured children nationally from 10.7 million (15 percent of all children) in 1997 to 6.6 million (9 percent) in 2012. To provide policymakers and other stakeholders with a better understanding of CHIP's impact in the states, researchers from the State Health Care Spending Project -- a collaborative effort of The Pew Charitable Trusts and the John D. and Catherine T. MacArthur Foundation -- examined key facets of the program and how it is administered, analyzing data on CHIP spending and enrollment for the 50 states and the District of Columbia. To place such data in context, this report also examined data on other insurance coverage and spending, state revenue, and overall national health expenditures.By design, CHIP gives states flexibility in how they structure their programs and spend their designated dollars to extend health insurance to uninsured children. As a result, the implementation of the program varies widely among the state