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• Building security and consumer trust in Internet payments - the potential of "soft" measures

• E-commerce using a modified mobile phone

What is E-Commerce ?

Electronic Commerce, or e-commerce, is buying and selling on-line. There exists no widely accepted definition for electronic commerce. However in general, e-commerce can be defined as any transaction that involves an on-line commitment to purchase or to sell a good or service, and that results in the import or export of this good or service.

The term E-business is usually applied in a broader sense. It includes buying and selling on-line, but also other aspects of on-line business activity, such as purchasing, tracking inventory, managing production and handling logistics, customer support services, supply chain management and collaborative engineering.

Benefits of E-Commerce

For suppliers, main benefits of E-Commerce are the possibility to automate and cut costs in repetitive processes, to reach a wider market, to source products from a wider supplier-base, and to be able to respond to customer queries quickly and cheaply.

The lower cost base enables suppliers to price more competitively, and customers to purchase at lower prices . Consumers also benefit from e-commerce as normal business hours constraints do not exist any more with online access and they can choose and purchase from a bigger market

Credit Cards Entrenched In Europe's eCommerce
Credit card use by online consumers averaged 36 per cent across Europe in 2002, while accounting for about 20 billion of the 30 billion spent on eCommerce, according to Forrester Research and Visa EU. Payments on cards are consequently the single most popular means of payments, the European Card Review notes, even if some e-tailers also offer domestic payment methods to optimize sales at their sites. Forrester analyst, Hellen Omwando, says cultural habits prevail, with 80 per cent of [Swedens] online users having been so for three years, but they still prefer alternative payments like COD or invoicing.

INDUSTRY CANADA RELEASES E-COMMERCE CODE OF PRACTICE
Industry Canada has released the Canadian Code of Practice for Consumer Protection in Electronic Commerce. The Code establishes benchmarks and best practices for companies that sell goods or services to consumers via the Internet. The Code is undergoing pilot testing in a number of sectors, and the reviewed code will be available for endorsement from July to September 2003. The revised Code will be published in the fall of 2003.

We have the pleasure to inform you of the tenue of an international congress on the trustmarks in e-commerce, that will be held in Luxembourg between the 17 and 19 september 2003. You will find any usefull information at : www.e-trustmarks.lu

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