few organizations are trying to understand how this channel can be used cost-effectively to serve their customers.

A deterrent to more Internet commerce activity is the perception that the network is inherently insecure. True or not, this perception must be faced and dealt with. Much of the industry activity over the past two years has been to develop appropriate standards for information privacy, data integrity, authentication of parties involved in the transaction, and nonrepudiability of the transaction in cases of customer disputes.

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