Although small-business owners are ahead of the average retail customer when it comes to using PC banking, many entrepreneurs still worry about the security of on-line transactions, according to a recent survey by PSI Global.

Fully 25% of the 275 small-business owners surveyed last month by Tampa- based PSI use PC banking, while only 3% of retail households do, according to Maria Erickson, PSI's senior vice president for corporate services.

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