The euphoria surrounding new forms of electronic commerce, payments, and data interchange will be tempered by a broad range of unpredictable real-world reactions in such areas as consumer behavior, security, privacy, regulation, and financial accountability.

Before consumers change their financial-behavior patterns and even modestly embrace electronic alternatives, they will demand some level of confidence that, at a minimum, the party they think they are communicating with in cyberspace is indeed that party, and that their communications cannot be altered or stolen.

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