and MIS, Miami University, 309 Upham, Oxford, OH 45056, USA Department of Information Management, National Chung Cheng University, Ming Hsiung, Chia-Yi, Taiwan, ROC Received 25 March 2003; received in revised form 25 March 2003; accepted 30 March 2003 Abstract The Internet has increasingly been used for communication between people. Most users have no problem relaying messages, which do not contain confidential information, over a network. Yet, for it to be accepted as a medium of conducting monetary…
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