9Allen, H., Hawkins, J., and Sato, S. Electronic Trading and Its Implications for Financial Systems[R]. BIS Papers Chapters with Number 07-04, November, 2001.
10Anguelov, C.E., Hilgert, M.A., and Hogarth, J. M. U.S. Consumers and Electronic Banking, 1995-2003[R]. Federal Reserve Bulletin, Winter 2004.