STEVE ELLIOTT commenced his career in the computer industry and has worked internationally in business, government, education and with the United Nations. He is Professor and Head of the Central Coast School of e Business & Management at the University of Newcastle, Australia, and was previously Director of the IT Research Centre at the University of New South Wales, Sydney. He holds a PhD in Strategic IS Planning from Warwick Business School, and has qualifications in Economics and IS. Professor Elliot's main interest is the strategic management of technology-enabled innovation by organizations, particularly the management of innovation in Electronic Business. He initiated and managed the international study of successful implementations of business-to-consumer e-commerce on which this book is based, and is currently exploring the impact of e-business on the banking industry. Steve Elliot chairs the International Federation of Information Processing (IFIP) Working Group 8.4, E-Business: Multi-disciplinary research and practice.