1Federal Financial Institutions Examination Council. Authentication in an Internet Banking Environment[EB/OL], <http:/ /www.fflec.gov/pdf/authentication_guidance.pdf>.
2Federal Deposit Insurance Corporation. FFIEC Supplement to Authentication in an Internet Banking Environment [EB/OL], <http://ithandbk.fFiec.gv/media/153051/04-27-12-fdiccmbined-61-6-28-11-auth.df>.
3Commission of the European communities. Identification of clients in non-face tO face transactions[EB/OL], <http://ec.europa.eu/internalmarket/company/docs/financial-crime/non_face to face.pdf> .
