References

1. The Lifestyle Revolution, An International report on how we live, work, learn and shop, Commisioned by ICL and conducted by Mori, September 1998.

2. Banking Technology Magazine, IBC Business Publications, December 1998-May 1999.

3. Technological Projections for the future- Price Waterhouse Coopers, 1999-05-27

4. KPMG- Management Survey, 1998.

5. A History of Money, From ancient times to the present day, Glyn Davies, Cardiff University of Wales Press, 1996.

6. Web Security & Commerce by Simson Garfinkel with Gene Spafford 1st Edition June 1997

7. www.mondex.com

8. www.ex.ac.uk, a comparitive Chronology of Money 1960-2002.

9. www.barlcays.co.uk , Internet Banking Facilities

10. www.WebATM.com, centralised Internet banking facilities

11. www.paytips.org/consumer, a consumers guide to electronic payments.

12. Security First Network Bank: http://www.sfnb.com

13. Security in Internet Electronic Commercehttp://www.rstcorp.com/~anup/DCS98/index.htm

14. Security & Electronic Commerce http://www.actrans.org/security/papers/

15. E-commerce Security Threats Are Legion http://www.webreference.com

16. E-commerce: Security Issues http://www.stetson.edu/~ltalamas/ecom.html

17. Electronic Commerce on the Web http://www.sscnet.ucla.edu

18. Personal Banking Security http://www.fifththird.com/PersonalBanking/Security.htm

19. Online Banking System Security http://www.bankofhollysprings.com/security.asp

20. Secure Internet Banking http://www.darmstadt.gmd.de/TKTNEU/SICA/Publications/bako/slides/index.htm

21. Internet Banking Security http://www.homefederal.com/homefederal/security.html

22. Channel 2000 - Online Banking Security http://latimes2000.com/onlinebanking/security.html

23. Internet Banking http://www.avana.net/~jtruitt/sectech/ibanking.html

24. ECommerce: Security http://ecommerce.xpressions.com/security.asp

25. ECommerce Security http://cwww.com/ecommerce/security.html