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Internet banking is an important Internet-delivered §service which is expected to provide benefits for §both commercial banks and bank customers.Internet §banking allows bank customers to have the freedom to §perform their financial activities at their §convenience. Developing, maintaining, and improving §Internet banking systems requires large amounts of §investment to maintain high levels of Internet §banking service quality, and the maintenance and §modification phase of the overall lifecycle cost is §a considerable part of this investment.Therefore, in §order to ensure high levels of usability, §reliability, and quality for these Internet banking §services, commercial banks need to make significant §investments in the maintenance and modification §phases of their Internet banking systems lifecycle.