The development of Web applications should be supported by business professionals themselves since Web applications must be modified frequently based on their needs. This paper describes the end-user-initiative development of Web applications based on two approaches. The first approach uses domain-specific frameworks which are effective for UI-driven systems. The second approach uses visual modeling tools which are useful for model-driven systems such as workflow systems. Both approaches suppose the three-tier architecture of user interface, business logic and database. After these approaches were applied to the development of some applications, the composite approach was considered for a typical application which should be easily developed and frequently modified by end-users.