ISBN: 0-7695-2367-6

Joe C. Chan, University of Technology - Sydney

Doan B. Hoang, University of Technology - Sydney

Leida Chen, Creighton University

Cindy Corritore, Creighton University

Ioakim (Makis) Marmaridis, University of Western Sydney

Bhuvan Unhelkar, University of Western Sydney

Manik Lal Das, Institute for Development and Research in Banking Technology

Ashutosh Saxena, Institute for Development and Research in Banking Technology

Roberto Di Pietro, University of "La Sapienza" Rome

Gianluigi Me, University of "Tor Vergata" Rome

Maurizio A. Strangio, University of "Tor Vergata" Rome

Rainer Huber, Vienna University of Technology

Norbert Jordan, Vienna University of Technology

Giovanni Camponovo, University of Lausanne

Yves Pigneur, University of Lausanne

Andrea Rangone, Politecnico of Milan

Filippo Renga, Politecnico of Milan

Douglas Innes, University of Wellington

Stuart J. Barnes, University of East Anglia

Eusebio Scornavacca, University of Wellington

Martti Soininen, Lappeenranta University of Technology

Yoshiro Imai, Kagawa University

Makoto Ooga, Kagawa University

Daisuke Yamane, Cmicro Incorporated

Osamu Sadayuki, Sharp Business Computer

Yutaka Iwamoto, Cmicro Incorporated

Shin'ichi Masuda, Cmicro Incorporated

Mishul Prasad, Victoria University of Wellington

Eusebio Scornavacca, Victoria University of Wellington

Hans Lehmann, Victoria University of Wellington

Paul Hawking, Victoria University

Andrew Stein, Victoria University

John Zeleznikow, Victoria University

Pramod Sharma, University of Queensland

Devon Nugent, University of Queensland

Linda Dawson, Monash University

Sue Foster, Monash University

Otmar Adam, German Research Center for Artificial Intelligence

Pavlina Chikova, German Research Center for Artificial Intelligence

Anja Hofer, German Research Center for Artificial Intelligence

Igor Hawryszkiewycz, University of Technology - Sydney

Robert Steele, University of Technology - Sydney

Yan Wang, Delft University of Technology

Els van de Kar, Delft University of Technology

Geleyn Meijer, LogicaCMG and University of Amsterdam

Martijn H?nteler, LogicaCMG

Sang-Yeal Han, Information and Communications University

Moon-Kyo Cho, Information and Communications University

Mun-Kee Choi, Information and Communications University

Heiko Wolf, University of Otago

Mengqiu Wang, University of Otago

Peter Langendörfer, IHP

Krzysztof Piotrowski, IHP

Michael Maaser, IHP

David Phu, Westpac

Rodger Jamieson, University of New South Wales

Christoforos Panayiotou, University of Cyprus

Maria Andreou, University of Cyprus

George Samaras, University of Cyprus

Andreas Pitsillides, University of Cyprus

Hans van der Heijden, University of Surrey

Gabriele Kotsis, Johannes Kepler University Linz

Reinhard Kronsteiner, Johannes Kepler University Linz

Marko T. Heikkinen, University of Oulu

Johanna Still, University of Oulu

Nina D. Ziv, Polytechnic University

Vaida Kadytė, ?bo Akademi University

Werner Kurschl, College of Information Technology

Stefan Schmid, College of Information Technology

Christian Domscha, College of Information Technology

Fadi Chehimi, Lancaster University

Paul Coulton, Lancaster University

Reuben Edwards, Lancaster University

Barry Downes, Waterford Institute of Technology

Tom Pfeifer, Waterford Institute of Technology

Conor Ryan, Waterford Institute of Technology

Chin Chin Wong, Monash University Malaysia

Pang Leang Hiew, Monash University Malaysia

Ingrid Duda, University of Mannheim

Markus Aleksy, University of Mannheim

Thomas Butter, University of Mannheim

San Murugesan, Southern Cross University

Balasubramanian Appiah Venkatakrishnan, Southern Cross University

Quan Z. Sheng, University of New South Wales

Boualem Benatallah, University of New South Wales

Guido Grohmann, German Research Center for Artificial Intelligence

Anja Hofer, German Research Center for Artificial Intelligence

Gunnar Martin, German Research Center for Artificial Intelligence

Katina Michael, University of Wollongong

Holly Tootell, University of Wollongong

Gerhard Schwabe, University of Zurich

Christoph G?, University of Zurich

Dirk Frohberg, University of Zurich

Einstein Lubrin, University of Technology - Sydney

Elaine Lawrence, University of Technology - Sydney

Karla Felix Navarro, University of Technology - Sydney

Michael Hecker, University of Technology - Sydney

Alankar Karol, University of Technology - Sydney

Christopher Stanton, University of Technology - Sydney

Mary-Anne Williams, University of Technology - Sydney

Christopher Stanton, University of Technology - Sydney

Mary-Anne Williams, University of Technology - Sydney

ThaeMin Lee, Dongseo University

JongKun Jun, Hankuk University of Foreign Studies

Daniel Michelis, University of St. Gallen

Thomas Nicolai, University of St. Gallen

Florian Resatsch, University of the Arts Berlin

Thomas Schildhauer, University of the Arts Berlin

Tak-chung Fu, Hong Kong Polytechnic University and Hong Kong Institute of Vocational Education (Chai Wan)

Fu-lai Chung, Hong Kong Polytechnic University

Chun-fai Lam, Hong Kong Polytechnic University

Robert Luk, Hong Kong Polytechnic University

Chak-man Ng, Hong Kong Institute of Vocational Education (Chai Wan)

F. Javier Martinez Borreguero, Universidad Polit?cnica de Madrid

Juli? Chaparro Pel?ez, Universidad Polit?cnica de Madrid

Giovanni Camponovo, University of Lausanne

Davide Cerutti, University of Lausanne

Amitava Mukherjee, Royal Institute of Technology and IBM Global Services India

Agnimitra Biswas, IBM Global Services India

Patricia McManus, Macquarie University

Eusebio Scornavacca, Victoria University Wellington

Ragnar Schierholz, University of St.Gallen

Alexander Ostrowski, University of St.Gallen

Susanne Glissmann, University of St.Gallen

Lutz M. Kolbe, University of St.Gallen

Walter Brenner, University of St.Gallen

Susanne Glissmann, University of St.Gallen

Stefan Smolnik, European Business School

Ragnar Schierholz, University of St.Gallen

Lutz Kolbe, University of St.Gallen

Walter Brenner, University of St.Gallen

Yufei Yuan, McMaster University

Wuping Zheng, McMaster University

Michael Er, University of Technology - Sydney

Robert Kay, University of Technology - Sydney

Lars Knutsen, Copenhagen Business School

Ioanna D. Constantiou, Copenhagen Business School

Jan Damsgaard, Copenhagen Business School

Toshihiko Yamakami, ACCESS

Thomas Nicolai, University of St. Gallen

Florian Resatsch, University of Arts Berlin

Daniel Michelis, University of St. Gallen

Niina Mallat, Helsinki School of Economics

Virpi Kristiina Tuunainen, Helsinki School of Economics

Agnieszka Zmijewska, University of Technology - Sydney

Maria Bina, Athens University of Economics and Business

George M. Giaglis, Athens University of Economics and Business

Jennifer Blechar, University of Oslo

Ioanna Constantiou, Copenhagen Business School

Jan Damsgaard, Copenhagen Business School

Omer Rashid, Lancaster University

Paul Coulton, Lancaster University

Reuben Edwards, Lancaster University

Annu Ristola, University of Oulu

Timo Koivum?ki, University of Oulu

Manne Kesti, University of Oulu

Andriew S. Lim, Technische Universiteit Eindhoven

Ashutosh Saxena, Institute for Development and Research in Banking Technology

Manik Lal Das, Institute for Development and Research in Banking Technology

Anurag Gupta, ZERO-Mass Consortium

Hsin-Hui Lin, National Taichung Institute of Technology

Yi-Shun Wang, National Changhua University of Education

Yeong -Wha Sawng, Electronics and Telecommunications Research Institute

Jeong-Su Lee, Electronics and Telecommunications Research Institute

Hyun-Soo Han, Hanyang University

Wenqing Wang, RMIT University

France Cheong, RMIT University

Timo Ali-Vehmas, Helsinki University of Technology

Sakari Luukkainen, Helsinki University of Technology

Amy Carroll, Victoria University of Wellington

Stuart J. Barnes, University of East Anglia

Eusebio Scornavacca, Victoria University of Wellington

Nikos Androulidakis, Nottingham Trent University

Iosif Androulidakis, University of Ioannina

Yandong Fan, Monash University

Anthony Saliba, Telstra Research Lab

Elizabeth A. Kendall, Monash University

Jan Newmarch, Monash University

J. J. Haagsma, University of Technology Sydney

R. D. Haylock, University of Technology Sydney

K. Sandrasegaran, University of Technology Sydney

Murali Rangan, Cogenia, Inc.

Ed Swierk, Cogenia, Inc.

Douglas B. Terry, Cogenia, Inc.

Michael Biemer, HUEBINET Informations-management GmbH & CoKG

J. Felix Hampe, University of South Australia

Raj Gururajan, University of Southern Queensland

San Murugesan, Southern Cross University

Mo Li, University of Technology Sydney

Kumbesan Sandrasegaran, University of Technology Sydney

Xiaoan Huang, University of Technology Sydney

Tim Moors, University of New South Wales

Marvyn Mei, University of New South Wales

Agus Salim, University of New South Wales

Uta Wehn de Montalvo, TNO-ICT

Pieter Ballon, TNO-ICT

Joachim Sokol, Siemens AG

Qingsong Ye, Macquarie University

Anthony M. Sloane, Macquarie University

Dominic R. Verity, Macquarie University

Wilfred W. K. Lin, Hong Kong Polytechnic University

Tharam S. Dillon, University of Technology Sydney

Allan K. Y. Wong, Hong Kong Polytechnic University

Richard S. L. Wu, Hong Kong Polytechnic University

Tharam S. Dillon, University of Technology Sydney

Allan K. Y. Wong, Hong Kong Polytechnic University

Wei-Lun Chang, National ChengChi University

I-Chien Lin, National ChengChi University

Pauline (Hui Ying) Ooi, University of Technology Sydney

Gordana Culjak, University of Technology Sydney

Elaine Lawrence, University of Technology Sydney

Raja Al-Jaljouli, University of New South Wales

Fang-Yie Leu, Tunghai University

Hsiao-Hong Tsai, Tunghai University

Wen-Kui Chang, Tunghai University

Okuthe P. Kogeda, University of the Western Cape

Johnson I. Agbinya, University of Technology Sydney

Christian W. Omlin, University of the South Pacific

Tuan Loc Nguyen, University Paris 6

Laurent Ouakil, University Paris 6

Guy Pujolle, University Paris 6

Tze-Haw Huang, University of Western Sydney

Jim Wu, University of Western Sydney

Ricky Robinson, University of Queensland

Jadwiga Indulska, University of Queensland

Ghassan Kbar, American University in Dubai

Wathiq Mansoor, Zayed University

S. Kouhbor, University of Ballarat

Julien Ugon, University of Ballarat

Alex Kruger, University of Ballarat

Alex Rubinov, University of Ballarat

J. J. Haagsma, University of Technology Sydney

R. D. Haylock, University of Technology Sydney

K. Sandrasegaran, University of Technology Sydney

Yang Li, University of the Western Cape

Johnson I. Agbinya, University of Technology Sydney

Norbert Jordan, Vienna University of Technology

Rainer Huber, Vienna University of Technology

Joachim Fabini, Vienna University of Technology

Kumudu S. Munasinghe, University of Western Sydney

Seyed A. Shahrestani, University of Western Sydney

Katina Michael, University of Wollongong

Luke McCathie, University of Wollongong

Lei Ye, Hong Kong Polytechnic University

Henry C. B. Chan, Hong Kong Polytechnic University

Elthea T. Lakay, University of the Western Cape

Johnson I. Agbinya, University of Technology Sydney

L. F. J. M. Pau, Rotterdam School of Management

H. Chen, Rotterdam School of Management

P. van de Coterlet, Rotterdam School of Management

R. A. Zuidwijk, Rotterdam School of Management

Geoff Skinner, Curtin University of Technology

Song Han, Curtin University of Technology

Elizabeth Chang, Curtin University of Technology

Wan Huzaini Wan Hussin, Lancaster University

Paul Coulton, Lancaster University

Reuben Edwards, Lancaster University

Tommi Laukkanen, University of Kuopio

Jan Ondrus, University of Lausanne

Giovanni Camponovo, University of Lausanne

Yves Pigneur, University of Lausanne

Evelyn Teo, Deakin University

Bardo Fraunholz, Deakin University

Chandana Unnithan, Deakin University

Shapiee Abd Rahman, University of Aizu

Subhash Bhalla, University of Aizu

Tetsuya Hashimoto, University of Aizu

Kirsten Sadler, University of Technology Sydney

Toni Robertson, University of Technology Sydney

Melanie Kan, University of Technology Sydney

Gwo-Ching Chang, I-SHOU University

B. S. Shajeemohan, CSED, LBSCE

V. K. Govindan, CSED, NITC

Chin Chin Wong, Monash University Malaysia

Pang Leang Hiew, Monash University Malaysia

Johnson I Agbinya, University of Technology Sydney

Ha Dang Truong, University of Technology Sydney

Zao-Bin Gan, Huazhong University of Science & Technology and Macquarie University

Ching Lin, Macquarie University

Varadharajan Vijay, Macquarie University

Nam-Shik Park, Electronics and Telecommunications Research Institute

Kang-Woo Lee, Electronics and Telecommunications Research Institute

Hyun Kim, Electronics and Telecommunications Research Institute