Journal of Internet Banking and Commerce

<!DOCTYPE html> <html lang="en"> <head> <meta content="text/html;charset=UTF-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=device-width, initial-scale=1"> <title>Journal of Internet Banking and Commerce</title> <meta name="keywords" content="Home, Journal of Internet Banking and Commerce, Banking Journals, Commerce Journals, Online Transcation Journals, Banking Technology Journals, ATM Journals , Digital Banking Journals, OLAP Journals, Accounting Journals, Business Journals, Management Journals, Finance Journals, Marketing Journals, Economics Journals, Credit card Journals, Computer Networks Journals, Asset pricing Journals, Bankruptcy Journals, Foreign exchange markets Journals, Mutual funds Journals, Journal of Commerce, E-Commerce Journals, Journal of Electronic Commerce, Journal of Electronic Commerce and Organizations, Journal of Internet Commerce, E-Commerce journal of articles, International journal of Commerce, International Journal of E-commerce, International E-commerce, International journal of Economics, Banking Journal, Journal of Banking, Banking Law Journals, Journal of Bank research, Banking Cases Journals, Journal of Banking and Finance, Banking Finance Journals, Asian Journal of Research and Banking, Finance Journals, Journal of Finance, Journal in Finance, International Journal of research commerce and management, Journal of Commerce and Management research, Journal of Electronic Commerce Research, Business Journals, Small Business Journals, Academic Business Journals, Best Business Journals, Open access Business Journals, E-Business Journals, Journal of Banking Studies, Journals of commerce"/> <meta name="description" content="Journal of Internet Banking and Commerce covers the various research and academic brilliance in the field of business and management"/> <link rel="shortcut icon" href="https://www.icommercecentral.com/favicon.ico"/>    <link rel="stylesheet" href="https://stackpath.bootstrapcdn.com/bootstrap/4.3.1/css/bootstrap.min.css"> <link rel="canonical" href="https://www.icommercecentral.com/"> <link rel="alternate" href="https://www.icommercecentral.com/" hreflang="en"/> <meta name="ROBOTS" content="INDEX,FOLLOW"> <meta name="googlebot" content="INDEX,FOLLOW"> <link href="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/4.5.0/css/font-awesome.min.css" rel="stylesheet"> <link href='https://fonts.googleapis.com/css?family=Cinzel:400,900,700' rel='stylesheet' type='text/css'> <link href='https://fonts.googleapis.com/css?family=Muli' rel='stylesheet' type='text/css'> <link href="https://www.icommercecentral.com/css/styles.css" rel="stylesheet">  <script src="https://ajax.googleapis.com/ajax/libs/jquery/1.11.1/jquery.min.js"></script> <script src="https://www.omicsonline.org/js/jquery.coolautosuggest.js"></script> <script src="https://www.omicsonline.org/js/jquery.coolfieldset.js"></script> <link rel="stylesheet" type="text/css" href="https://www.omicsonline.org/css/main-coolautosuggest.css"/> <script data-rocketsrc="https://www.googletagmanager.com/gtag/js?id=UA-68269280-1" type="text/rocketscript"></script> <script type="text/rocketscript"> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-68269280-1'); </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Organization", "url": "https://www.icommercecentral.com/", "logo": "https://www.rroij.com/admin/headers/The-Journal-of-Internet-Banking-and-Commerce-logo.png" } </script> <style> .tooltip1{position:relative;display:inline-block;opacity:1!important;padding-left:2%}.tooltip1 .tooltiptext{visibility:hidden;width:250px;background-color:#eee;color:#555;border-radius:6px;padding:5px 11px;border:1px solid rgba(0,0,0,.125);position:absolute;z-index:1;top:100%}.tooltip1:hover .tooltiptext{visibility:visible} </style> </head> <body class="text-break"> <ul class="social-icons hidden-xs"> <li><a href="https://www.facebook.com/internetbankingandcommerce/" target="_blank"><i class="fa fa-facebook"></i></a></li> <li><a href="https://twitter.com/MaryJasmine16" target="_blank"><i class="fa fa-twitter"></i></a></li> </ul> <header class="py-2"> <div class="container"> <div class="row aling-items-center"> <div class="col-12 col-sm-8"> <h2 class="logo" id="h2-logo"> <a href="https://www.icommercecentral.com/" title="Journal of Internet Banking and Commerce" class="d-flex align-items-center"> <img src="https://www.rroij.com/admin/headers/The-Journal-of-Internet-Banking-and-Commerce-logo.png" alt="Journal of Internet Banking and Commerce" class="img-fluid mr-3" title="Journal of Internet Banking and Commerce"> Journal of Internet Banking and Commerce </a> </h2> </div> <div class="col-12 col-sm-4">  <p class="text-right my-3">ISSN: 1204-5357</p> </div> </div> </div> </header> <nav class="navbar navbar-expand-lg navbar-dark navbar-inverse p-0"> <div class="container"> <button class="navbar-toggler" type="button" data-toggle="collapse" data-target="#navbarMain" aria-controls="navbarMain" aria-expanded="false" aria-label="Toggle navigation"> <span class="navbar-toggler-icon"></span> </button> <div class="collapse navbar-collapse" id="navbarMain"> <ul class="navbar-nav mr-auto"> <li class="nav-item" class='active'> <a class="nav-link" target="_self" title="Welcome to the Journal" href="https://www.icommercecentral.com/">The Journal</a> </li> <li class="nav-item" > <a class="nav-link" target="_self" title="Editorial Board" href="https://www.icommercecentral.com/editorialboard-internet-banking-and-commerce.php">Editorial Board</a> </li> <li class="nav-item dropdown" class='dropdown'> <a class="nav-link dropdown-toggle" data-toggle="dropdown" href="#">Articles</a> <div class="dropdown-menu"> <a class="dropdown-item" target="_self" title="Articles in Press" href="https://www.icommercecentral.com/ArchiveJIBC/articleinpress-internet-banking-and-commerce.php">禄 Articles in Press</a>   </div> </li> <li class="nav-item dropdown" class='dropdown'> <a class="nav-link dropdown-toggle" data-toggle="dropdown" href="#" title="Authors">Authors</a> <div class="dropdown-menu"> <a class="dropdown-item" target="_self" href="https://www.icommercecentral.com/instructionsforauthors-internet-banking-and-commerce.php">禄 Author Instructions</a> <a class="dropdown-item" target="_self" href="https://www.icommercecentral.com/submitmanuscript-internet-banking-commerce.php">禄 Submit Manuscript</a> <a class="dropdown-item" target="_self" href="https://www.icommercecentral.com/ethics-and-malpractices-internet-banking-and-commerce.php">禄 Publication Ethics & Malpractice Statement</a> </div> </li> <li class="nav-item" > <a class="nav-link" target="_self" title="Archive" href="https://www.icommercecentral.com/archive-internet-banking-and-commerce.php">Archive</a> </li> <li class="nav-item dropdown" class='dropdown'> <a class="nav-link dropdown-toggle" data-toggle="dropdown" href="#">Special Issues</a> <div class="dropdown-menu"> <a class="dropdown-item" target="_self" title="Guidelines" href="https://www.icommercecentral.com/guidelines-internet-banking-and-commerce.php">禄 Guidelines</a> <a class="dropdown-item" href="https://www.icommercecentral.com/upcoming-specialissue-internet-banking-and-commerce.php">禄 Upcoming Special Issues</a> <a class="dropdown-item" target="_self" title="Upcoming Special Issues" href="https://www.icommercecentral.com/specialissue-internet-banking-and-commerce.php">禄 Previous Special Issues</a> </div> </li> <li class="nav-item" > <a class="nav-link" target="_self" title="Indexing and Archiving" href="https://www.icommercecentral.com/indexing-internet-banking-and-commerce.php">Indexing and Archiving</a> </li> <li class="nav-item" > <a class="nav-link" target="_self" style="border-bottom:0px;" title="Contact Editorial Office" href="https://www.icommercecentral.com/citations-internet-banking-and-commerce.php">Citation</a> </li> <li class="nav-item" > <a class="nav-link" target="_self" style="border-bottom:0px;" title="Contact Editorial Office" href="https://www.icommercecentral.com/contact-internet-banking-and-commerce.php">Contact Editorial Office</a> </li> </ul> </div> </div> </nav> <div class="phonering-alo-phone phonering-alo-green phonering-alo-show bg-primary p-2 rounded-right" id="feedback"> <div class="phonering-alo-ph-circle"></div> Reach Us <img src="https://www.jocpr.com/images/telephone-white.svg" alt="" width="20" class="ml-2"> <img src="https://www.jocpr.com/images/whatsapp.svg" alt="" width="20" class="ml-2"> +44-175-271-2024</div>  <div class="container"> <div class="media alert alert-info mt-3"> <i class="fas fa-hand-point-right fa-2x align-self-center mr-3 animated infinite bounce slow blue-500"></i> <div class="media-body"> All submissions of the EM system will be redirected to <strong>Online Manuscript Submission System</strong>. Authors are requested to submit articles directly to <a href="https://www.scholarscentral.org/submissions/internet-banking-commerce.html" target="_blank" class="text-warning"><strong>Online Manuscript Submission System</strong></a> of respective journal. </div> </div> </div>  <style> #h2-logo{ font-size:2.5rem !important;} </style>  <div class="container py-4">  <div class="row"> <div class="col-12 col-md-3 icc-panel">  <div style="border:1px solid #CCC; margin:5% 0px; padding:3%;"> <p class="card-text">Select your language of interest to view the total content in your interested language</p> <div id="google_translate_element" align="center" style="width:180px;"></div> <script> function googleTranslateElementInit() { new google.translate.TranslateElement( { pageLanguage: 'en' }, 'google_translate_element' ); } </script> <script src="https://translate.google.com/translate_a/element.js?cb=googleTranslateElementInit"></script> </div>  <div class="card"> <h3 class="card-header">Indexed In:</h3> <ul class="list-group list-group-flush"> <li class="list-group-item" style="padding:3px 5px;">EBSCO Business Source Complete</li> <li class="list-group-item" style="padding:3px 5px;">EBSCO Business Source Premier</li> <li class="list-group-item" style="padding:3px 5px;">EBSCO A-to-Z Service</li>  <li class="list-group-item" style="padding:3px 5px;">SCImago</li> <li class="list-group-item" style="padding:3px 5px;">Cabell's Directory of Publishing Opportunities in Accounting</li> <li class="list-group-item" style="padding:3px 5px;">Cabell's Directory of Publishing Opportunities in Computer Science and Business Information Systems</li> <li class="list-group-item" style="padding:3px 5px;">Cabell's Directory of Publishing Opportunities in Economics and Finance</li> <li class="list-group-item" style="padding:3px 5px;">Cabell's Directory of Publishing Opportunities in Management</li> <li class="list-group-item" style="padding:3px 5px;">Cabell's Directory of Publishing Opportunities in Marketing</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM CompleteTM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM GlobalTM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM Trade & IndustryTM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM Dateline TM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM ArchiveTM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM ResearchTM</li> <li class="list-group-item" style="padding:3px 5px;">ABI/INFORM SelectTM</li> <li class="list-group-item" style="padding:3px 5px;">ProQuest Banking Information SourceTM</li> <li class="list-group-item" style="padding:3px 5px;">ProQuest Entrepreneurship</li> <li class="list-group-item" style="padding:3px 5px;">DOAJ, the Directory of Open Access Journals</li> <li class="list-group-item" style="padding:3px 5px;">Google search engine</li> <li class="list-group-item" style="padding:3px 5px;">Yahoo search engine</li> </ul> </div>   <h6><a target="_blank" href="https://scholar.google.com/citations?user=-qZMvK0AAAAJ&hl=en" title="Click here">Google Scholar citation report</a></h6> <h6 style="font-weight:bold;">Citations : 24043</h6> <p><a target="_blank" href="https://scholar.google.com/citations?user=-qZMvK0AAAAJ&hl=en" title="Click here">Journal of Internet Banking and Commerce received 24043 citations as per google scholar report</a></p> <div class="card shadow-sm sidebar mb-3"> <a href="https://www.icommercecentral.com/citations-internet-banking-and-commerce.php" title="Click here"><img src="https://www.rroij.com/admin/citation-images/Journal-of-Internet-Banking-and-Commerce-citation.png" alt="Flyer image" class="img-fluid p_rel" /></a> </div>  <h6><a href="https://publons.com/journal/282471/journal-of-internet-banking-commerce/" target="_blank" title="Click here">Journal of Internet Banking and Commerce peer review process verified at publons</a></h6> <div class="card shadow-sm sidebar mb-3"> <a href="https://publons.com/journal/282471/journal-of-internet-banking-commerce/" target="_blank" title="Click here"><img src="https://www.rroij.com/admin/publon-images/Journal-of-Internet-Banking-and-Commerce-publon.png" alt="Flyer image" class="p_rel w-100" height="250px"/></a> </div>  <div class="card mb-2" style="font-size: 14px;"> <h5 class="card-header custom-header">Indexed In</h5> <ul class="quick-lists m-0 list-inline" style="height:150px; overflow-y:scroll;"> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> ProQuest</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> Google Scholar</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> Scimago</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> EBSCO A-Z</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> Euro Pub</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> ICMJE</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> EZB</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> WorldCat</li> <li class="pl-2 pt-2"> <i class="fa fa-angle-right ml-1"></i> RePEc</li> </ul> <div class="custom-view-more text-right pr-2 pb-2"><a href="/indexing-internet-banking-and-commerce.php" title="Click here">View More <i class="fa fa-angle-double-right" aria-hidden="true"></i></a></div> </div>      <div class="sidebar pt-20 pl-10 mt-xs-0" align="center"> <a class="twitter-timeline" href="https://twitter.com/MaryJasmine16" data-width="450" data-height="300">Tweets by MaryJasmine16</a> <script src="https://platform.twitter.com/widgets.js" charset="utf-8"></script> </div> <div class="clear"> </div>  </div> <div class="col-12 col-md-9 icc-panel"> <div class="contnet-home"> <h1 class="fa-1x">Welcome to the Journal</h1> <div id="carouselSpecialIssue" class="carousel slide" data-ride="carousel">  <ol class="carousel-indicators"> <li data-target="#carouselSpecialIssue" data-slide-to="0" class="active"></li> <li data-target="#carouselSpecialIssue" data-slide-to="1"></li> <li data-target="#carouselSpecialIssue" data-slide-to="2"></li> </ol>  <div class="carousel-inner" role="listbox"> <div class="carousel-item active"> <a href="https://www.icommercecentral.com/upcoming-specialissue-internet-banking-and-commerce.php"> <img class="d-block w-100" src="https://www.icommercecentral.com/images/benchmarking-and-best-practices-in-slamic-banking.jpg" alt="image"> </a> </div> <div class="carousel-item"> <a href="https://www.icommercecentral.com/upcoming-specialissue-internet-banking-and-commerce.php"> <img class="d-block w-100" src="https://www.icommercecentral.com/images/the-economics-of-digital-currency.jpg" alt="image"> </a> </div> </div>  <a class="carousel-control-prev" href="#carouselSpecialIssue" role="button" data-slide="prev"> <span class="carousel-control-prev-icon" aria-hidden="true"></span> <span class="sr-only">Previous</span> </a> <a class="carousel-control-next" href="#carouselSpecialIssue" role="button" data-slide="next"> <span class="carousel-control-next-icon" aria-hidden="true"></span> <span class="sr-only">Next</span> </a> </div>  <div class="card card-body bg-grey-200 my-3 p-2 rounded-20 border-0 border-left-5 shadow-sm border-info equal-height" style="border-left: 5px solid #a13132!important;padding-left:1%;margin-bottom:10px;"> <ul class="nav row journal-highlight-list"> <li class="col-lg-12"> Journal h-index : 80<br/> </li> <li class="col-lg-12"> Average acceptance to publication time (5-7 days) </li> <li class="col-lg-12 tooltip1"> Average article processing time <span class="tooltiptext"> Less than 5 volumes 30 days <br/> 8 - 9 volumes 40 days<br/> 10 and more volumes 45 days</span> </li> </ul> </div>  <p style="text-align: justify;"><a href="http://www.scimagojr.com/journalsearch.php?q=18300156727&tip=sid&clean=0"><strong> SJR H Index: 13</strong></a></p> <p style="text-align: justify;"><a href="https://scholar.google.co.in/citations?hl=en&view_op=list_hcore&venue=DIFxz0n7vtkJ.2017"><strong>Google Scholar </strong><strong>H5 Index: 17</strong></a></p> <p style="text-align: justify;"><a href="https://journals.indexcopernicus.com/search/details?id=44931"><strong>Index Copernicus Value: 94.45</strong></a></p> <p style="text-align: justify;">Journal of Internet Banking and Commerce (JIBC) provides framework for conveying various research and academic brilliance in the field of business and management. Business and Management is continuous process which requires production and distribution of goods and services for human requirement. The Journal aims to provide monthly journals which are published after peer review from editorial board members from across the world. It provides platform for research in areas of business, marketing, banking, finance, economics and commerce.</p> <p style="text-align: justify;">Review process involves the Editorial Tracking System. It is an online manuscript submission, review and tracking systems. Review process is done by the editorial board members of Internet Banking and Commerce or outside experts. Two independent reviewers approval along with editor approval is required for acceptance of any citable manuscript. Authors may submit manuscripts and track their progress through the system, hopefully to publication. Reviewers can download manuscripts and submit their opinions to the editor. Editors can manage the whole submission/review/revise/publish process.</p> <p style="text-align: justify;">This top best scholarly journal is using Editorial Tracking® System for online manuscript submission, review and tracking. Editorial board members of the Journal of Internet Banking and Commerce or outside experts review manuscripts; at least two independent reviewer’s approval followed by the editor is required for the acceptance of any citable manuscript.</p> <p style="text-align: justify;">Submit your manuscript to the Editorial Office at <a href="https://www.scholarscentral.org/submissions/internet-banking-commerce.html">Online Manuscript Tracking System</a></p> <p class="dn" style="position: absolute; left: -2588px"><a href="https://www.cised.org.tr/guzkis/">deneme bonusu veren siteler</a></p> <p><strong>Fast Editorial Execution and Review Process (FEE-Review Process):</strong></p> <p>Internet Banking & Commerce is participating in the Fast Editorial Execution and Review Process (FEE-Review Process) with an additional prepayment of $99 apart from the regular article processing fee. Fast Editorial Execution and Review Process is a special service for the article that enables it to get a faster response in the pre-review stage from the handling editor as well as a review from the reviewer. An author can get a faster response of pre-review maximum in 3 days since submission, and a review process by the reviewer maximum in 5 days, followed by revision/publication in 2 days. If the article gets notified for revision by the handling editor, then it will take another 5 days for external review by the previous reviewer or alternative reviewer.<p class="news" style="position: absolute; left: -14168px"><a href="https://www.playreplica.com/product-category/rolex/" title="fake rolex">fake rolex</a></p><br />  <br /> Acceptance of manuscripts is driven entirely by handling editorial team considerations and independent peer-review, ensuring the highest standards are maintained no matter the route to regular peer-reviewed publication or a fast editorial review process. The handling editor and the article contributor are responsible for adhering to scientific standards. The article FEE-Review process of $99 will not be refunded even if the article is rejected or withdrawn for publication.</p> <p>The corresponding author or institution/organization is responsible for making the manuscript FEE-Review Process payment. The additional FEE-Review Process payment covers the fast review processing and quick editorial decisions, and regular article publication covers the preparation in various formats for online publication, securing full-text inclusion in a number of permanent archives like HTML, XML, and PDF, and feeding to different indexing agencies.</p>  </div>  <div class="row"> <div class="col-12 col-sm-12">  <div class="card card-body bg-grey-200 my-3 p-2 rounded-20 border-0 border-left-5 shadow-sm border-info equal-height" style="border-left: 5px solid #3498db!important;padding: 0 10px;"> <h4 class="font-size-4">h-index</h4> <p class="card-text"> Articles published in <strong>Journal of Internet Banking and Commerce</strong> have been cited by esteemed scholars and scientists all around the world. <strong>Journal of Internet Banking and Commerce</strong> has got h-index 80 </strong>, which means every article in Journal of Internet Banking and Commerce has got 80 average citations. </p> </div> </div> </div>  <div class="card rpa"> <h3 class="card-header">Recently Published Articles</h3> <div class="card-body"> <ul class="media-list"> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Internet-of-Things, Cyber-physical Systems demarcation and contribution to the Big Data realm" href="open-access/internetofthings-cyberphysical-systems-demarcation-and-contribution-to-the-big-data-realm.pdf" target="_blank">Internet-of-Things, Cyber-physical Systems demarcation and contribution to the Big Data realm</a></h6> <p><p>Adel Ben Mnaouer</p></p> </div> </li> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Network Function Virtualization Deployment in production-Models and Solution Architecture" href="open-access/network-function-virtualization-deployment-in-production--models-and-solution-architecture.pdf" target="_blank">Network Function Virtualization Deployment in production-Models and Solution Architecture</a></h6> <p><p>Dharma Rajan</p></p> </div> </li> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Business Economics" href="open-access/business-economics.pdf" target="_blank">Business Economics</a></h6> <p></p> </div> </li> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Automatic Pipeline Threat Detection by Aerial Surveillance" href="open-access/automatic-pipeline-threat-detection-by-aerial-surveillance.pdf" target="_blank">Automatic Pipeline Threat Detection by Aerial Surveillance</a></h6> <p><p>Vijayan K. Asari</p></p> </div> </li> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Enhancing E-commerce Analytics to Streamline the Customer Purchase Process" href="https://www.icommercecentral.com/open-access/enhancing-ecommerce-analytics-to-streamline-the-customer-purchase-process.php?aid=95149" target="_blank">Enhancing E-commerce Analytics to Streamline the Customer Purchase Process</a></h6> <p><p>Feng Guo</p></p> </div> </li> <li class="media"> <div class="media-left media-middle"> <a href="#"> <img class="media-object" src="images/interface.svg" alt="..." width="44px"> </a> </div> <div class="media-body"> <h6 class="media-heading"><a title="Intelligent Situational Awareness powered by Internet of Things and Human-Centred Recommender Systems" href="open-access/intelligent-situational-awareness-powered-by-internet-of-things-and-humancentred-recommender-systems.pdf" target="_blank">Intelligent Situational Awareness powered by Internet of Things and Human-Centred Recommender Systems</a></h6> <p><p>Elizabeth Chang</p></p> </div> </li> </ul> </div> </div> </div>  </div> </div>   <footer> <div class="container"> <div class="row"> <div class="col-md-2"> <h4>Useful Links</h4> <div class="footer-nav clearfix"> <ul class="list-unstyled"> <li><a title="About Us" id="links-cls" href="https://www.rroij.com/about.php">About Us</a></li> <li><a title="Open Access" id="links-cls" href="https://www.rroij.com/open-access.php">Open Access</a></li> <li><a title="Journals" id="links-cls" href="https://www.rroij.com/open-access-journals-list.php">Journals</a></li> <li><a title="Submit Manuscript" id="links-cls" href="https://www.rroij.com/submitmanuscript.php">Submit Manuscript</a></li> <li><a title="Contact" id="links-cls" href="#">Contact</a></li> <li><a title="FAQs" id="links-cls" href="https://www.rroij.com/faqs.php">FAQs</a></li> </ul> </div> </div> <div class="col-md-4 right-contact widget-links1"> <h4>Contact Us </h4>  </div> <div class="col-md-6 right-contact widget-links clearfix"> <h4>Subscribe to our Newsletter</h4> <div class="news-letter"> <p class="fa-1x"> Enter your email address to receive all news <br> from our awesome <a href="https://www.rroij.com/">website</a></p> <form class="form-inline" role="form"> <div class="form-group"> <input type="email" required placeholder="Your email address..." class="form-control" id="email" autocomplete="off"> <button type="submit" class="btn btn-info">Submit</button> </div> </form> <p class="m-t"><sup>*</sup>Don't worry you'll not be spammed</p> </div> </div> </div> </div> </footer> <div class="copy-right"> <div class="container"> <div class="row clearfix"> <div class="col-md-12 text-center"> <p>Copyright © 2025 <a title="Research and Reviews" href="https://www.rroij.com/">Research and Reviews</a>, All Rights Reserved </p> </div> </div> </div> </div> <div> </div> <div class="scroll-top-wrapper"> <span class="scroll-top-inner"> <i class="fa fa-2x fa-arrow-circle-up"></i> </span> </div>  <script async src="https://code.jquery.com/jquery-3.3.1.min.js"></script> <script async src="https://cdnjs.cloudflare.com/ajax/libs/popper.js/1.14.7/umd/popper.min.js"></script> <script async src="https://stackpath.bootstrapcdn.com/bootstrap/4.3.1/js/bootstrap.min.js"></script> <script async type="text/javascript"> $(document).ready(function(e) { // Closes the sidebar menu $("#menu-close").click(function(e) { e.preventDefault(); $("#sidebar-wrapper").toggleClass("active"); }); // Opens the sidebar menu $("#menu-toggle").click(function(e) { e.preventDefault(); $("#sidebar-wrapper").toggleClass("active"); }); }); </script> <script> $(function(){ $(document).on( 'scroll', function(){ if ($(window).scrollTop() > 100) { $('.scroll-top-wrapper').addClass('show'); } else { $('.scroll-top-wrapper').removeClass('show'); } }); $('.scroll-top-wrapper').on('click', scrollToTop); }); function scrollToTop() { verticalOffset = typeof(verticalOffset) != 'undefined' ? verticalOffset : 0; element = $('body'); offset = element.offset(); offsetTop = offset.top; $('html, body').animate({scrollTop: offsetTop}, 500, 'linear'); } </script> <script async src="https://app.wabi-app.com/widget/js/wabi.js?phone_number=+44-175-271-2024&lang=en&position=left"></script> <p class="news" style="position: absolute; left: -14168px"><a href="https://www.jffactory.net/">www.jffactory.net</a></p> <script type="text/javascript"> $(document).ready(function() { $("#show_bt").click(function(){ $(".more").show(500); $("#hide_bt").show(); $("#show_bt").hide(); }); $("#hide_bt").click(function(){ $(".more").hide(500); $("#hide_bt").hide(); $("#show_bt").show(); }); }); </script> </body> </html>

CINXE.COM

Journal of Internet Banking and Commerce