Digital Value Dependency Framework for Digital Transformation
VALUE ASSESSMENT IN E-BUSINESS TRANSFORMATION
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Transcript of VALUE ASSESSMENT IN E-BUSINESS TRANSFORMATION
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Synopsis
Public administration in the 21st century is often characterised by provision of government programs to
business and citizens using a federated service delivery model across multiple levels of government and
the non-government sector in a multi-channel environment. Increasingly e-business and e-government
approaches are being used to maximise program reach to users and the financial, economic and social
impact of programs and to reduce service delivery and access costs. Hence, business cases for
e-government programs delivered through multi-channel environments need rigorous demand and
value assessments to ensure program improvements are at reduced costs.
The need to examine the demand for, and value of, a program is heightened when customer information
is being made available, and services are being delivered, across organisational boundaries, including
government portfolio boundaries and various levels of government. The benefits accrue to a variety
of stakeholders in this ‘eco-system’. Robust demand and value assessments are key to creating value
networks linking government, community and business sectors.
Demand and value assessments undertaken for e-government business cases identify cost and benefit
streams for various stakeholders. They provide input to subsequent consideration of preferred and
appropriate service delivery channels, latent demand planning, appropriate accountability, streamlining
and re-engineering the service, governance arrangements and funding options. Where services and their
supporting delivery channels are well designed and scalable, e-government potentially becomes the
pathway for agencies to address latent demand for government programs and services. Value accrues to
both agencies and society more generally from successful implementation of e-government programs.
In this paper, measurement of the return on investment from e-government programs has been
considered in terms of agency financial value, social value and risk.
VALUE ASSESSMENT IN E-BUSINESS TRANSFORMATION
Peter King*, Andrew McWilliam#, Paula Flynn** and Jane Treadwell##
* Consulting Principal and leader of the Fujitsu Canberra Management Consulting Practice providing ongoing benefits realisation assistance across Centrelink National Office.
# Associate Director and a leading Fujitsu e-government practitioner. Lead consultant and project manager of the NOIE E-government Benefits Study (2003), the project manager of the Commonwealth’s Electronic Commerce Strategy (2000) and Business Entry Point (1998) consultancies.
** Organisational Change, Business Transformation Team, Centrelink. Author of Centrelink’s eBusiness Strategy and the Centrelink Case Study for the Computerworld Honours Program 2004. Graduate Certificate of Management, Deakin University; Bachelor Arts (Journalism & Literature), Deakin University.
## Deputy Chief Executive Officer Business Transformation and Chief Information Officer, Centrelink.
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Introduction
In April 2003 the Minister for Communications, Information Technology and the Arts, Senator the Hon.
Richard Alston, launched the E-government Benefits Study for the National Office for the Information
Technology (NOIE 2003b).
This paper builds upon material developed for The Information Paradox (Thorp 2003); the proceedings
and findings of the National Office for the Information Technology E-government Benefits Study,
the E-government Benefits Case Studies (of which Centrelink was one); and the demand and value
assessment methodologies developed during the study (NOIE 2003c). This best practice body of knowledge
is being applied to various innovative e-government initiatives now being progressed in Centrelink.
Centrelink’s experience with e-government and e-business initiatives illustrate the need for agencies to
consider and plan customer demand and take-up across existing and proposed service delivery channels
and assess value to the customer, agency and agency business partners. Centrelink has learnt that this
type of planning becomes more important as e-government evolves to the networked organisation and
whole of government arena. Centrelink is an example of an Australian Government agency delivering
a range of services to the Australian community and is one of the pioneers of customer self-service and
Business to Government (B2G) services.
Centrelink delivers more than $55 billion in payments and services across multiple service delivery
channels on behalf of over 20 client departments (see Figure 1). It has over 1000 points of presence
Australia wide and over 26 000 staff. Centrelink is a service provider to 6.3 million customers
(approximately one-third of the Australian population), who include retired people, families, sole parents,
people looking for work, people with a short-term incapacity, people with disabilities, carers, students,
young people, Indigenous people and people from diverse cultural and linguistic backgrounds. Centrelink
supported approximately 14 million customer records and 12 million electronic customer transactions on
an average day in 2002–03 (Centrelink 2003, p. v).
Figure 1: Centrelink attributes and e-business volumes
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Centrelink is committed to offering customers a wider range of options for accessing services, with
extended contact hours and help to access options most appropriate to their needs (NOIE 2003c, p. 14).
It provides services within a multi-channel environment encompassing, the Centrelink Network of face-to-
face Customer Service Centres, Call Centres and associated technology.1
Centrelink focuses on creating a customer-centric performance-based culture and has become an integral
part of a growing network of service providers at all levels of government, including many non-government
sector service providers. Centrelink is an example of an Australian Government agency operating at the
forefront of e-government. Accenture has cited Centrelink as a leading example of integrated service
provision through its online service program (Accenture 2003). It also recognised the service depth for
online welfare services as an area of strength for Australia.2
E-government environment
The Australian Government recognises the potential of information and communications technology to
help foster community capacity building, as well as enhancing the capacity of individuals and families to
improve their financial status and social wellbeing. High levels of connectivity can generate a wide variety
of economic and social benefits for all sections of the community. Connectivity can reduce the cost
of transactions and help make services more efficient. Highly networked communities are finding that
generating local social capital3 and economic development work in tandem (Rimmer 2003).
E-government initiatives are integral to this process.
The Gartner Framework for E-Government Strategy Assessment defines e-government as ‘the
transformation of public sector internal and external relationships through Internet-enabled operations
and information and communication technologies to optimise government services delivery, constituency
participation and internal government processes’ (Di Maio et al. 2002). Centrelink extends all traditional
e-government and e-business definitions to include other technologies (such as telephony). This is
because Centrelink often develops e-government services for delivery on various technologies and thus
multiple channels.
It is not uncommon for individuals or businesses to carry out several separate transactions with
government to achieve a single outcome. Implementation of e-government enables development of new,
common information technology infrastructures across agencies so related services can be ‘bundled’ and
presented as a single service at the point of delivery, even though several agencies might be involved in
the background (NOIE 2002). This then begins the creation of e-government value networks.
Figure 2 shows Centrelink’s crucial position in a federated multi-agency accountability framework
delivering services to citizens, customers and businesses across levels of government using the business
community and the non-government sector.
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Channel consistency facilitates e-government take up
Experience suggests that when agencies deliver services across multiple channels they need to be
mindful of channel substitution and cross-channel consistency in provision of information to citizens and
customers. Consistency and integration of information across channels facilitates channel substitution
by customers where a single, consistent answer to an enquiry can be obtained because all channels
draw upon a single data source. Trends in channel usage and e-government program take up can be
monitored over time – assuming facilities for monitoring are in place.
In addition, if there is a lack of consistency in making information available across channels when
implementing a new service (an e-government solution), agencies run the risk of increasing the potential
for system failure. This may include eroding the administrative law principle of ‘procedural fairness’
afforded customers.4 This, in turn, can create negative cross-channel impacts on demand patterns and
may undermine the realisation of planned efficiency dividends.
Centrelink has constructed designs on one channel of service delivery (such as the Internet) to enable
easy use on another (such as the telephone). That is, ‘build once: use many’ so a slight modification of
software means more choice for the customer and ultimately a lower unit development cost. Whilst the
look might be different, the feel and experience is the same for each channel accessed
This ‘cross-channel consistency principle’ also recognises that not all services are appropriate on all channels
and that cost-effective service delivery is a key criteria for successful e-government service delivery.
Centrelink’s e-business principles grew out of a series of inter-related (and not always optimal)
experiences as it began e-government in the late 1990s. Centrelink built upon this knowledge and
experience by providing service delivery across channels while protecting from view its extremely complex
and diverse environment policy and technology.
Centrelink’s investment in the Centrelink Online Framework (purpose built middleware) provided the
valuable ‘brokerage’ platform linking any device to any data-base. Coupled with experience in proof of
Figure 2: Citizen-centric multi-channel portfolio outcome accountability model
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concept and pilot projects, such as Call Centre Automation, Web Post Office, and first steps in the Online
Services for Customers projects, Centrelink over a period of six years became an ‘overnight sensation’.
Design principles like ‘cross-channel consistency’ and requirements for value and benefits realisation
provides Centrelink with a solid starting point for analysing potential e-business developments and
retirement of old processes, practices and code.
Centrelink’s eBusiness Strategy (Centrelink 2003–07) and its underlying ‘no wrong door principle’ (Vardon
2001; OECD 2003) promotes consistency in the integration and accelerated take-up of e-business
investment opportunities in a secure environment using appropriate access and authentication.
It establishes a framework for creating effective business policies, practices, procedures, and workflows.
NO WRONG DOOR
In its checklist for successful e-government the OECD (2003) advocated a ‘no wrong door’ principle
for accessing government administration.
In delivering its customer service charter, Centrelink has, since 2001, progressed a ‘no wrong door’
approach to make citizen access to services and support (to which they are entitled) as simple, quick
and convenient as possible.
Under this approach it does not matter where people start, they are quickly and seamlessly able to
find their way to the right support, information, and the correct payment regime if they are eligible.
According to the Centrelink e-business strategy, the no wrong door principle means the citizen, wherever
they are – at home, at a refuge, over the telephone, at a Centrelink or agent site – can access all of
government in response to particular life events.
The direction set by Centrelink’s eBusiness Strategy is supported by a detailed implementation plan and
operational readiness assessment for new services including demand and value assessments.
The Refresh Program, funded by the Australian Government, will further develop Centrelink’s information
and technology systems to create greater capability to meet clients’ current and future business needs
for the benefit of customers, stakeholders and staff. One element of the Refresh Program is enabling
expansion of Centrelink’s eBusiness, particularly self-service and real-time information exchange for
straight-through processing. The elements within the eBusiness Strategy have been tightly aligned with
the Refresh Program (Centrelink 2004).
Centrelink believes the key to e-business is finding the balance between flexibility (how easily and quickly
people can adapt to meet the business need), speed to market (how quickly business practices and
technology solutions can change) and positively adjusting the customer service experience (integrating
the service delivery channels to create a better service experience).5
Establishment of a sound e-business capability is considered to be a core business enabler, which will
allow Centrelink to:
• deliver better social outcomes
• provide integrated services
• respond to customers’ individual needs and circumstances when they need assistance
• meet customer demand and offer service choices
• improve business practices
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• streamline processes
• empower and inform staff and customers
• create new business opportunities
• increase productivity and internal efficiencies.
Centrelink’s commitment to an e-business strategy is driven by a number of factors, including government online
requirements, customer expectations of increasing channel choices as a result of their experiences with other
government and non-government organisations, and the potential efficiency gains to be made if customers and
businesses are given opportunities to conduct business on more effective channels (Centrelink 2004).
Demand and value assessment methodologies
Assessing the demand for and value of a citizen-centric e-government and e-business programs is greatly
facilitated by applying the Australian Government Information Management Office’s Demand and Value
Assessment Methodologies (NOIE 2003a). These methodologies provide the approaches necessary for
business managers to initially determine, and then assess on an ongoing basis, the intrinsic worth of
e-government programs provided as integral components of their overall service delivery strategies.
With the application of more consistent assessment frameworks and tools, agencies are better equipped
to identify and quantify demand, value and benefits accruing to citizens, business, the agency itself, and
the wider economy. As e-government evolves with time the methodology will need to be expanded and
applied to assessing value network based e-government opportunities.
The benefits of using the Demand and Value Assessment Methodologies include:
• gaining a better understanding of the drivers of benefits and costs
• providing a basis for comparison of programs within and between agencies
• articulation of auditable figures for transparency
• quantifying channel volumes (demand and take up), value and risk including all subjective data for
establishing a business case
• promoting best practice in e-government service delivery
• identifying the benefits to individual agencies
• identifying accountabilities for individual components of cross agency e-government service delivery projects
• making a positive contribution to the evaluation of the efficiency and effectiveness of e-government programs.
In Centrelink, managers have found that by rigorously assessing demand for, and value of multi-channel
strategies business analysts have readily gained an appreciation of the various facets and complexities of
e-government.
Demand assessment
The key driver for investment in e-government programs as part of an agency’s service delivery strategy is
customer demand. Demand triggers may come from sources external or internal to the agency including:
• citizens, customers, business and community triggers
• internal agency triggers
• across agency business line
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• across portfolio agencies
• among agencies within the same and in other levels of government and in the private sector.
Centrelink is an agency that estimates demand (including latent demand) across multiple service delivery
channels and builds flexible scaleable systems that can accommodate changes in consumer preference.6
Customers register once having fulfilled authentication requirements separately but gain access to many
services relevant to their circumstances. As new services become available they are automatically granted
access to the service in accordance with their profile. Proof of identity requirements differ for various services.
Centrelink promotes the release of the particular e-government initiative as a value adding service to
ensure take up is achieved to realise benefits to both consumers and the agency itself. This is in line with
Centrelink’s market positioning, and slogan of ‘giving you options.’
Self-service is beginning to change the types of enquiries Centrelink staff receive. Centrelink staff are
beginning to move towards helping customers with more complex issues rather than the simpler things
(Centrelink 2004). In the longer term this will result in staff being able to spend more time with the
customer who needs additional assistance to prevent repeat visits or contacts thereby altering patterns of
demand for services. Centrelink has demonstrated that agency business managers across the Australian
Public Service need a greater understanding of multi-channel service delivery dynamics and patterns of
demand both at the planning stage and during operations.
MEASURING DEMAND AND TAKE UP
Working Credit self-service is a Centrelink example of multi-channel service delivery that makes it
easier for customers to meet their participation requirements.
As part of its e-business strategy, Centrelink Working Credit customers are given the option to take
up reporting their employment earnings using self-service on the Internet or over the phone (using
Natural Language Speech Recognition) as an alternative to reporting to a Customer Service Officer in
Centrelink Call Centres, on paper forms or at a Customer Service Centre. This has helped to free up
Customer Service Officers to add value to the more complex customer contacts.
Centrelink estimated 15 per cent of the market target group would be using self service to report
their employment income within 10 months. At December 2003, the current market target group
percentage was near 30 per cent and climbing (after two months).
As of 28 February 2004, 125 420 Centrelink customers had registered to use self service (including
the Working Credit customers) on the Internet. Registrations are growing at 700 to 800 per day.
Internet self service users currently undertake approximately 60 000 transactions through the
Centrelink web site per fortnight.
Over 500 000 customers had registered for telephone self service (including Working Credit
customers) by the end of January 2004. Telephone self service users currently undertake
approximately 100 000 transactions per fortnight.
Soft marketing approaches were used to ensure high volumes didn’t ‘break’ capacity (both
technology and staff) to support these services.
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Value assessment
In traditional value measurement of business investments, the ‘goodness’ of a piece of information
and communications technology work is derived directly from the financial contribution it makes.
Contributions to other elements of value, such as fitting with organisation priorities, delivering benefits
to customers and preparing for future business environments, are addressed, at best, through conversion
to second- or third-order effects measured in financial terms. Often these are not dealt with numerically
but are identified simply as ‘intangible benefits’.
The traditional approach to value identification works well where the benefits are financial and can
easily be identified, estimated and counted. A strict financial basis also operates well where a program is
delivered within the context of a single entity and where capital spend, expenses and resulting financial or
benefit flows return to that entity and fall within the sphere of its accounting and management reporting.
E-government programs, however, have a breadth of impact that extends far beyond the agency concerned
and where benefits often flow out of sight of the agency owning and delivering the program. This is
particularly so with the advent of cross-agency e-government programs and services.
When attempting to measure return on investment (ROI) in government, it must be recognised that,
unlike the private sector, governments must serve all constituents and cannot necessarily take a market-
driven approach to service delivery where services are delivered only to those sectors or market niches
that are cost effective.
MEASURING RETURN ON INVESTMENT
Outcomes and benefits from e-government programs are not always measured in financial terms.
Indeed, the majority of e-government programs are primarily focused on social outcomes. E-
government programs are often intended to:
• improve access to service delivery and the quality of information
• enhance the experience of interacting with government
• reduce waiting times
• assist consumers and business.
In these circumstances, the benefits flow to constituents rather than to the government and it may
not be appropriate to expect a financial return to government.
Even where an e-government program is intended to produce cost efficiencies, those efficiencies may
not occur in the agency that sponsors and finances the particular initiative. The financial benefits
may be across a government, non-government organisation and private sector value network.
In a multi-channel environment the value/ROI from e-government programs is defined as:
e-government ROI = agency value + social value – adjustment for risk
The approach proposes that no single measure can adequately provide a measure of ROI for e-government,
but rather, each e-government program is assessed across a range of criteria covering agency value,
a number of measures of social value and risk.
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Agency value return on investment
This element of value identifies the net benefit to the agency. It encompasses the variety of costs,
cost reductions and potential revenue increases and productivity gains associated with the program.
Agency benefits, usually represented with a strong financial perspective, include:
• increased agency productivity gains from:
− reduced redundancy in authoring and data-capture
− enhanced access to information by the agency staff and the customer
− automation, and often re-engineering and streamlining, of previously manual functions
− increased online self-service within government (for example, payroll, travel claims etc.),
initial streamlining of processes
− reduced error handling (due to increased point-of-service data capture).
• efficient and effective payments to entitled and eligible beneficiaries through increased reach of
programs to customers
• decreased direct and indirect avoidable costs associated with service delivery due to:
− reduced throughput through non-online channels (mail, telephone, face-to-face)
− increased quality of documentation received by agency leading to reduced rework
− reduced agency administration overheads associated with enforcing compliance due to increased
visibility of obligations to audiences and speed/ease of communication between the agency and its
programme audiences
− reduced levels of maintenance derived from reduced duplication of information technology
infrastructure assets between agencies and jurisdictions.
Using this information, the first measure of agency ROI is:
agency ROI = agency financial benefits %
government program costs
This measure of ROI excludes benefits flowing to society as well as ignoring the risk component.
Expressed as a percentage – 100 per cent indicates that benefits exactly match costs.
While commercially this measurement technique may support sound business decisions in identifying the
expected profit, in the public sector a broader return on investment is sought. For example, part of the
Centrelink Refresh Program is focused upon returning to government the monetary investment through
a series of ‘savings projects’. However this program is further committed to providing wider benefit to
government and citizens. This requirement for a social return on investment (that is, the ‘equivalent
commercial profit’ of the program) is discussed later.
In assessing and measuring the benefits accruing to an agency, customers, citizens and business partners
a broad spectrum approach is needed.
In 2002–03 Centrelink undertook a study, within a particular definable business sector, into the potential
for conducting business with providers more efficiently and effectively through technology.
The study and the ensuing business case were undertaken on the basis that benefits could be expected
to flow to business providers as well as to those customers receiving related benefits by replacing the
traditional, time consuming business processes with an e-government solution.
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EXAMPLE OF BENEFITS OF A CENTRELINK E-GOVERNMENT BUSINESS INITIATIVE
The expected outcomes from implementation of this e-government business initiative include:
• increase in strategic alignment of Centrelink business
• increase in consistency and value of advice
• increase in efficiency of processing
• increase in Centrelink’s capability to deliver consistent services
• increase in effectiveness of Centrelink staff
• increase in Centrelink’s ability to educate and train third parties
• increase in Centrelink’s capability to predetermine industry changes and trends
• increase in Centrelink’s ability to align its service delivery with business cycles of third parties.
Elements of the Australian Government Information Management Office Demand and Value Assessment
Methodologies were used to underpin the business case.
This Centrelink e-government initiative is an example of a government agency expanding its service
delivery channels in response to demand from its constituents for greater effectiveness of program
administration and efficiency in business interaction and transactions with an additional result of better
customer service for the mutual customer.
To obtain the benefits from its e-government initiatives, Centrelink has recognised the need to promote
the initiative and to encourage and assist provider take-up and migration to more cost effective and
efficient channels.
The projected levels of demand and take up for this business initiative indicates the substitution of
manual and paper based provider transactions by the Internet over a three year period.
Social value
Social benefits include the range of financial and social benefits that flow directly to users of e-government
services. The debate about ‘consumer’ worth versus ‘customer’ worth is interesting. Consumer worth,
in the broader sense, includes second-order effects, such as economic benefit that flows to consumers and
businesses downstream of the initial benefit, as well as the intangible benefits associated with being part
of open government. For this reason we use the term ‘consumer’ rather than ‘customer’. These items are
reflected in the formula:
social value = consumer financial value + social economic value + social worth + governance worth
Consumer financial value
Consumer financial value is the financial benefit that flows directly to users of e-government services.
Typically, these benefits will consist of cost savings and productivity improvements where these translate
directly into a dollar benefit to users.
Time savings that cannot be translated into real dollar savings should be treated in terms of their
downstream impacts either in generating social economic value, or, if simply adding to quality of life,
then as social worth.
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It is proposed that a realistic first measure of consumer financial value is the use of a net user benefit-to-
cost ratio, viz:
consumer financial value ROI = consumer benefits %
consumer costs
Consumer financial value needs to be seen against the cost to government as expressed below.
consumer value to agency cost ROI = consumer benefits – consumer costs %
agency costs
Consumer financial value examples from a Centrelink initiative include:
• decreases in payment variance
• increased integrity of business
• decreases in administrative overheads for third parties
• providing the ability to lodge claims direct to the Centrelink system
• eliminating errors and rework by confirming customer entitlement prior to claims lodgement
• providing real time notification of customer data
• providing timely and accurate financial information to third parties.
Social economic value
Social economic value includes the flow-on economic effects from an e-government program. These fall
into the domain of increased economic participation and include the flow-on effects to government in
terms of taxation or changes in government payments.
For example, a program supporting distance learning may not generate any immediate consumer
financial value, but may equip an individual to later re-enter the workforce, generate income and
increase government taxation flows. While it is not an adequate measure, in the first instance a more
available measure of this item is a measure of net government benefit.
social economic value ROI = change in government inflows* %
change in government outflows**
* Taxes plus government charges less subsidies on production and imports
** Social assistance benefits in cash to residents
Social economic value flows to Centrelink’s customers includes increased opportunities for greater
participation in the community and workforce.
Social worth and governance worth
Social worth relates to quality of life and quality of community values that have no direct economic
impact. For example, services to inform citizens may allow better choices and deliver value in the form of
better disability management or enhanced care of individuals in need.
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To be of value in selecting e-government programs, measures of social value are needed before an
e-government program is approved rather than through surveys after the costs have been incurred.
These items are much harder to measure in a manner that permits value assessment and comparison.
Centrelink looks to its Value Creation Workshop and its User Centred Design Principles to gather some of
this information. To overcome this issue the study proposes using measures relating to the reach of programs
and the impact or consequence of programs. Agencies would readily understand that this approach has been
adapted from the Australian Risk Management Standard7 with which most business managers are familiar.
The approach proposed in the value assessment method is that reach be measured relative to the size of
the social segments targeted by the program.
Governance worth is assessed in the Australian Government Information Management Office demand
and value assessment methodologies in relation to the levels of increased transparency and accountability
of government, and increased participation of citizens in the democratic process. As agencies progress
towards creation of e-government value networks there is a greater need for increased transparency and
accountability.
Social and governance worth is generated from:
• increased potential for sharing information with business and consumers
• increased capability for consumers to make better life choices
• creation of social capital.
Conclusion
Agencies delivering program services electronically in a multi-channel environment are increasingly recognising
that information, and hence benefits, flow to stakeholders beyond the program, organisational boundaries,
government portfolios and across all levels of government, business partners and customers. E-government
initiatives, such as those now being implemented by Centrelink, will contribute to generation of benefits,
including social capital, in the community. Assessment of the value arising from implementation of
e-government initiatives is an immature science and an ongoing task for Australian Public Service managers.
Some of the main things to consider with implementation of multi-channel service delivery include
understanding customer preference, customer experience across the offered channel, and how consistency
of service is to be achieved. These things create intangible benefits and add value. They will become more
important as e-government begins to increasingly participate in value networks for customers, business
partners, and the organisation.
Agencies such as Centrelink recognise that e-government will constantly evolve and customers and staff
will themselves change as new technologies create new opportunities for better ways of doing business.
Centrelink is continuing to develop e-government opportunities by creating services for customers,
organisations (government and non-government) and business.
The measurement of value from a number of different perspectives becomes paramount as demand and
value assessments are key inputs into development of business cases for service delivery deployed across
multiple channels.
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<http://www.centrelink.gov.au/internet/internet.nsf/news_room/vardon01corpgov.htm>.
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Notes1 Associated technology includes Natural Language Speech Recognition, Secure Internet Messaging, fixed and mobile
telephones, Short Message Services and customer driven transaction processing via the Centrelink website and the telephone infrastructure (including Natural Language Speech Recognition), as well as straight-through transaction processing and On-Paper (Secure Internet Messaging, forms, letters, and statements).
2 In late 2003 Centrelink won the Gold Australian Government Technology Productivity Award for its e-business and the international ‘Best Innovative Speech Recognition Solution’ award (ScanSoft Fourth Annual Best Practice Competition) for its Report Employment Income Natural Language Speech Recognition product. Computer World Honours Program 2004.
3 Social capital is an evolving concept. It relates to the social norms, networks and trust that facilitate cooperation within or between groups. Social capital can generate benefits to society by reducing transaction costs, promoting cooperative behaviour, diffusing knowledge and innovations, and through enhancements to personal wellbeing and associated spill-overs. See also Productivity Commission 2003.
4 Muin v Refugee Tribunal, High Court of Australia, HCA 30, August 2002.
5 Centrelink’s eBusiness Strategy can be viewed on the Centrelink web site at <www.centrelink.gov.au> under Online Services.
6 Latent demand is the potential demand realised if an e-government channel was made available to customers and business.
7 Australian Risk Management Standard AS/NZS 4360, <http://www.standards.org.au/>.
F u t u r e C h a l l e n g e s f o r E - g o v e r n m e n t — V a l u e a n d E v a l u a t i o n