Dear Sirs, This is Mr. Bozhinov from the D. Tsenov Academy of Economics writing. I am at the present time a Ph. D. student at the Department of Finance in the framework of The Academy. Through Internet saw in the Web site that you are work in the aria of e-money. Unfortunately, at the moment in Bulgaria there are a few academitions, when are working in this problem. That’s why I would like to ask you for more information about this problem. I’d be very grateful if you might recommend me or send me some materials concerning this question. Look forward hearing from you soon. Yours faithfully, Mr. B. Bozhinov, Ph. D. Student D. Tsenov Academy of Economics begin: vcard fn: Bozhidar Bozhinov n: Bozhinov;Bozhidar org: Tsenov Academy of Economics adr: 2 Em. Chakarov Str;;51 Cherni Vrah Str.;Svishtov;Lovech;5250;Bulgaria email;internet: boshko@uni-svishtov.bg title: PhD Student tel;work: +359-631-22721-250 x-mozilla-cpt: ;0 x-mozilla-html: FALSE version: 2.1 end: vcard