Instruct: Identify the main and secondary category of Arxiv papers based on the titles and abstracts
Query: E-banking and E-commerce in India and USA   Web based e-banking is becoming an important aspect of worldwide commerce.
The United Nations predicts 17% of purchases by firms and individuals will be
conducted online by 2006. The future of Web-based e-banking in developed areas
appears bright but consumers and merchants in developing countries face in
number of barriers to successful e-banking, including less reliable
telecommunications infrastructure and power supplies, less access to online
payment mechanisms, and relatively high costs for personal computers and
Internet access. How should managers in charge of e-banking prepare for global
implementation? What can they do reach consumers in developing countries? What
factors influence the adoption of consumer-oriented e-banking in various
countries? This research paper will give you the idea on the local conditions
in India, the Hofstede's dimension of culture in India and USA, the Diffusion
of Innovation theory and hence the hypotheses for the innovation
characteristics of interest.

30
The categories of this paper are: q-alg
24
The categories of this paper are: dg-ga
4
The categories of this paper are: cond-mat
20
The categories of this paper are: acc-phys
34
The categories of this paper are: chem-ph
2
The categories of this paper are: math
15
The categories of this paper are: nucl-ex
13
The categories of this paper are: quant-ph
14
The categories of this paper are: math-ph
5
The categories of this paper are: gr-qc
31
The categories of this paper are: ao-sci
18
The categories of this paper are: econ
6
The categories of this paper are: astro-ph
3
The categories of this paper are: physics
19
The categories of this paper are: eess
10
The categories of this paper are: q-bio