http://www.ctr.columbia.edu/citi/cybercom.html http://www.ctr.columbia.edu/citi/cybcompap/ravi.htm Abstract: This paper presents a framework that provides a conceptual understanding of electronic commerce-based financial services. The paper then discusses some of the research issues that need to be addressed in this emerging area. Systematic research o n online financial services is virtually non-existent. Most of the early work consists of anecdotal evidence from individual companies, usually in the form of trade journal articles which have no empirical basis. Clearly there is a need for industry-acade mia collaboration to understand the online financial services area better. There is also a need to develop methods and tools for measuring the effectiveness of these services. Traditional effectiveness measuring methods will be of limited use in cyberspac e as banks enter an era in which financial products are treated as information commodities and banks are in competition with non-banks to serve customers with the best bundle of information _______________________ Regards, An oral contract isn't worth the paper it's written on. -? Joseph Reagle http://rpcp.mit.edu/~reagle/home.html reagle@mit.edu E0 D5 B2 05 B6 12 DA 65 BE 4D E3 C1 6A 66 25 4E