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Published since January 1996


JIBC Submission Guidelines

JIBC Contributing Editors

JIBC depends on a prestigious core group of authors and Contributing Editors to identify and analyze the trends and latest developments in Internet banking and commerce.

We look for individuals who are exploring issues and possibilities in their "days jobs" and who are willing to share some of their key findings with JIBC on a quarterly basis. As a Contributing Editor, your contribution could be your own insights and analysis of developments that attract your interest. It could also be as simple as asking permission for JIBC to post an article or report (or an executive summary of a report) that you feel is of significant interest to a colleague or a peer.

The role of a Contributing Editor does not require a significant time commitment. Our thinking is that if you come across something exciting, you will probably be sharing the news electronically with friends and colleagues. As a Contributing Editor, you could simply add JIBC Editor Nikhil Agarwal to the list when you send out such really significant messages. Since we only want a contribution about every three months, you could also just pick the most significant of your recent mailings when it comes time for the next JIBC submission. If three months go by with nothing that really strikes your fancy, just advise the Editor that you haven't come across anything you think is really worth our readers' time and we will pass in that particular edition -- there is no pressure to publish for the sake of printing.

You individually or you and your company will be identified (with email/URL links) on each contribution. JIBC typically appeals to a very high-level, global audience. There is significant value in being regularly presented to this audience as a credible and knowledgeable professional in this emerging field.

We are keen to have you on our Editorial Board. JIBC usual practice is to invite the prospective editor as author. Once you have published the paper, based on positive feedback, we would invite you to serve on our Board.

If you have any other questions, please contact:
Nikhil Agarwal
Chief Editor

Email: Nikhil Agarwal

Nahum Goldmann

Email: array (at) ARRAYdev.com


JIBC Call for Papers

JIBC invites marketing professionals, academicians and publishers to submit important announcements, original articles, guest columns and significant feature presentations. We also welcome surveys, book reviews and letters to the Editor. Technical discussions in highly specialized areas of expertise will be kept to an absolute minimum. The publication is complemented by the Compendium of Internet Banking, Commerce and Security Initiatives which supports brief, timely and practical notices of global developments.

JIBC focus is on eBusiness, eBanking and eGovernance issues, hence we are especially interested in such subjects as:

  • Profitable business architecture for eCommerce, eFinance, transactional governance, supply chain management, ERP, CRM, and outsourcing solutions

  • Globalization and localization of eCommerce solutions

  • Changing role of executive accountability in eCommerce, eFinance and eGovernance service delivery

  • Managing successful eBusiness, eBanking and eGovernment organizations

  • Essential role of the Corporate Treasury in transactional process innovations of globally connected financial services and in managing credit risk

  • Regulatory roles of central banks, governments and intergovernmental organizations in eCommerce and eFinance

  • Role of new regulatory environments in improving eCommerce effectiveness, profitability and accountability (SarbOx, Pioneer Act, Anti-Money Laundering, etc.)

  • Global competitiveness and eCommerce viability

  • Supporting new business innovation versus traditional government R&D policies

  • Improving investment climate for eCommerce innovation and ensuring success of eCommerce ventures

  • eCommerce taxation

  • eCommerce solutions for Small and Medium Enterprises (SME)

  • Critical role of ecommerce in the new economies and developing countries

  • Structuring RFPs, Public-Private Partnerships (PPP), Alternative Service Delivery (ASD), vendor selection and teaming agreements for government online

  • Effectiveness of eCommerce Marketing

  • Building and sustaining Extranet Business Communities

  • Effect of privacy, security and legal environment on effectiveness and profitability of eCommerce solutions

  • Underwriting capital investment for private and public transactional solutions

  • Improving academic research and education in the areas of eCommerce effectiveness and profitability

Other topics will be considered that expand our understanding of eCommerce, eFinance and eGovernance service delivery.

Authors with a particular expertise, who may be interested in becoming contributing editors to the JIBC, please contact editor Nikhil Agarwal, and review file http://www.arraydev.com/commerce/jibc/guides.htm#ContributingEditors.


JIBC Peer Review Process

JIBC strives to achieve the fairest process of the anonymous peer review for all research articles.

JIBC key peer-review policies include the following:

  • No article will be rejected without taking into account the advice of a practicing scientist in the field.
  • No suitable article will be rejected on the grounds of article length, or lack of space.
  • Every effort will be made to ensure that at least one of the three peer-reviewers for each article is selected from a list provided by the author.
  • Where appropriate, a suitably qualified researcher will be nominated by the Editorial Board to act as Expert Advisor for a particular article, so as to advise on or resolve issues arising during the peer review process

All submitted manuscripts that request peer review are evaluated as follows:

  • Initial editorial screening.  Manuscripts are screened by the JIBC Chief Editor to ensure that they fall within the scope of the Journal as defined in http://www.arraydev.com/commerce/jibc/guides.htm#CallForPapers. The authors will be notified whether their manuscript falls within the JIBC scope, sometimes to facilitate re-submission of a more suitable article.
  • Submission to referees.  The manuscript is sent to referees.
  • Initial editorial decision.  JIBC Chief Editor re-examines the manuscript in light of the recommendations made by the referees. One of the following decisions will be made:
    • Accept as received
    • Accept, subject to satisfactory completion of minor amendments (an editorial report is usually included at this stage)
    • Reconsider after major revision (full revised manuscript requested)
    • Reconsider after major revision (response to referees comments requested prior to preparation of a full revised manuscript)
    • Reject

    Please note that the manuscripts are judged not only on the presence or absence of flaws to the work but also on the likely contribution to the field. Those manuscripts that represent only a small incremental increase in the respective knowledge base will not be accepted, irrespective of whether the work has been conducted in a sound manner.

  • Revised version or response sent back to referees as appropriate.  JIBC Chief Editor reserves the right to make a decision on the manuscript without consulting the referees for a second time.  Members of the Editorial Board might also be consulted at this stage.  A final decision is reported back to the authors as quickly as possible.
  • Referees are thanked and given the opportunity to view the final decision.  Once a final decision has been made regarding a manuscript, it is also Bcc'd to referees who would view all the anonymous referee reports for that manuscript.

Articles in the Opinion Articles (Non-Peer Reviewed) section are based on sole opinion of the author(s). JIBC Editorial Board is not responsible for peer-reviewing the articles in this section.


Open Access

JIBC is in full compliance with DOAJ/BOAI definitions of open access:

  • JIBC funding model does not charge authors for publishing or readers and their institutions for access.
  • All JIBC content, including archives, is freely available online. There is no user registration requirements for the Web version, and email notification registration is also online and free to everybody.
  • JIBC open access is immediate to all subscribers.
  • JIBC has free availability on the public internet, permitting any users to read, download, copy, distribute, print, search, or link to the full texts of these articles, crawl them for indexing, pass them as data to software, or use them for any other lawful purpose, without financial, legal, or technical barriers other than those inseparable from gaining access to the internet itself.
  • JIBC authors solely retain their articles copyright, control over the integrity of their works and the right to be properly acknowledged and cited. By self-archiving the article in the JIBC open-access archive, our authors consent to open access for their articles.
  • If your article has already been published by JIBC, you might also consider submitting its abstract (and perhaps the article itself) to the Social Science Resource Network (SSRN - http://www.ssrn.com/). However, please do NOT submit a pre-publication version or a working paper to the SSRN.  SSRN distributes abstracts and journal articles to thousands of subscribers around the world.  This would promote your published article and encourage open access.

Listings in Academic Databases and Search Engines

JIBC Editorial Board strives to list our Journal in leading academic reference publications and search engines. In particular, JIBC is well represented in:

Please contact us with the suggestion of how to submit information on JIBC to other leading search engines and reference publications.


Submission Guidelines

  1. Journal of Internet Banking and Commerce (JIBC) only accepts original articles submitted by their authors that have not been previously published or posted. Articles must be exclusively submitted to JIBC, and not to be undergoing consideration at any other publication while being contemplated by the JIBC Editorial Board. Content that has been previously published as a Conference Proceedings must be substantially modified and updated before submitting to JIBC. Content that has been posted on a Web site (e.g., a draft or working paper) must be removed from that Web site before submitting to JIBC. If your article has already been published on the JIBC website, you are allowed to re-post it, proving you would note on it the original JIBC year, volume and issue. After publication by JIBC, please do not post on any Web site the article's earlier versions, drafts, or working papers.

    NOTE: Materials submitted to JIBC will be posted on the JIBC Web site and their abstracts will be distributed by email to JIBC subscribers. Copyright remains with the original author(s) who retain control over any subsequent use of the material. Anyone seeking permission to reproduce material that appears in JIBC will be referred to the original author(s) or the copyright owner. JIBC and ARRAY Development neither endorse nor necessarily agree with views expressed by contributors.

  2. JIBC prefers articles that focus on issues, trends, initiatives, activities and case studies. The Editorial Board especially welcomes quantitative and applied research papers that provide useful contributions toward the scholarly literature. We are particularly interested in receiving submissions that focus on Internet business and commerce, backroom logistics, profitability and sustainability of ecommerce initiatives, purchasing, ebanking, transaction processing, marketing challenges, implementation trials, and other non-technology issues of timeliness in all aspects of Internet-enabled ecommerce.

  3. Article submissions requesting peer review should have text ranging from a minimum of 1,000 words to a maximum of 8,000 words (excluding abstract, tables, figures, and references). Opinion articles (non peer reviewed) might be shorter than the minimum word count mentioned above. Authors might find ideas on how to write clearly and focused in numerous books and articles (e.g., see Philip Yaffe, The Three Acid Tests of Persuasive Writing, Ubiquity, 9(35), Sept 23-29, 2008, http://www.acm.org/ubiquity/volume_9/v9i35_yaffe.html.)

  4. You must also provide a 150 to 200 word abstract of your article. See http://www.arraydev.com/commerce/jibc/guides.htm#JIBCSubmissionTemplate for submission instructions.

  5. Manuscripts submitted must be in DOC or RTF format and use the JIBC submission template (see http://www.arraydev.com/commerce/jibc/guides.htm#JIBCSubmissionTemplate). Do NOT submit in the DOCX format. Note that publication of an accepted manuscript that was not submitted according to the JIBC submission template will not be placed in the next JIBC issue but postponed till it has been resubmitted in the required publication format.

  6. We ask that authors check their article on the Web site to ensure no text has been lost in the posting process.

  7. JIBC reserves the right to reject any article without explanation.

  8. JIBC reserves the right to edit letters to the editor.

  9. Articles that promote a particular product or service rather than providing impartial analysis or evaluation will be referred to the JIBC advertising department.

One of our goals is to identify knowledgeable individuals in each key subject area and geographic region willing to serve as Contributing Editors (see http://www.arraydev.com/commerce/jibc/guides.htm#ContributingEditors). We are attracting an audience from among the academic, executive and professional elite in the emerging field of Internet banking and commerce. Your articles will help JIBC make an important contribution to the transfer of knowledge on a global scale. We would also be interested in you recommending leading experts that you consider to be well positioned to become our contributing editors and authors. We would appreciate if you check with us first and describe why this person would be a worthy addition as a JIBC Contributing Editor.

We look forward to working with you

Nikhil Agarwal, Chief Editor
Nahum Goldmann, Publisher


JIBC Submission Template

All finally submitted articles should be ready to be placed on the Web in the PDF format with a minimal additional effort required from the JIBC editors to convert the file from the DOC or RTF formats. Please use Microsoft Word or any other word processor to save your file in the RTF or DOC (MS Word ver. 6.0) format.  See below detailed instructions on how to submit your article and download JIBC Submission Template to use it to present your article to the Chief Editor for consideration and review.

Specify in your covering letter whether it should be peer reviewed or has been submitted for inclusion in the Opinion Articles section.


  1. Copy the JIBC Submission Template into a new document and name it YourName.doc (where YourName is the first author's Last Name).

  2. Replace the "Title," "Your Name," "Your Email Address", "Copyright Holders Names", etc. with the article's title, your names, your email addresses, etc.

  3. The title page, abstract and keywords should be placed on separate pages.  Next begin your text on a new page.  Ensure that text fonts used are Ariel, 11 pt, that paragraphs are justified, as is done in the template, and that bold text is only used where the template allows it. Please do not use words in all capitals or bold font anywhere in the text, headings, labels or names, unless our template asks for it. Tables and figures should be inserted in the text where they are deemed relevant (and not at the end of the document).  References should begin on a separate page.

  4. Please pay close attention to a sound layout of your text.  If you use formulas, special layouts, or tables/figures in the landscape format, ensure that your special requirements work well after you saved the final document.  The editors reserve the unconditional right to ask for changes in layout, to ensure good readability and presentation.

  5. All references should be done in the APA style or if required according to the Citation Guides for Electronic Documents.  A sample APA reference style is inserted in the template.

  6. Send an email to nikhil DOT jibc AT gmail DOT com with the attachment in the DOC or RTF format. Please do not zip the file or the attachments.

  7. Your article will be posted in the PDF format as soon as it is received and approved by the Editorial Board.


Corrections Request

The final version of the manuscript submitted by the JIBC Managing Editor to the authors should be carefully checked for content, grammar, tables, figures and spelling. If the authors do not submit corrections within a week, the journal reserves the right to publish this final version.

If an error is noticed after a manuscript has been published, the corresponding author should contact the JIBC Editor-in-Chief by email. Minor grammatical or style errors will not be corrected. Errors that are deemed substantial by the Editor-in-Chief will be corrected with a separate posting in a future issue of the journal. JIBC reserves the right to subject any accepted Error Correction Notice to a new editorial review. The accepted Error Correction Notice will be linked to the original published article.