Communications of the acm

.
References 
1. Chakravorti, S. and Davis, E. An electronic supply chain: Will payments
follow? 
Chicago Fed Letter, Special Issue 206a 
(Sept. 2004);
www.chicagofed.org/publications/fedletter/cflseptember2004_206a.pdf. 
2. Cotteleer, C. 
Customer Value Proposition Analysis for Electronic Payment
Networks.
Tech. Report. Charter Consulting, Chicago (Mar. 2004). 
3. Dove Consulting. 
2005/2006 Study of Consumer Payment Preferences.
Industry Report (Oct. 2005). 
4. Edwards, J. The check is still in the mail. 
Line56 1, 
3 (Oct. 2000). 
5. eMarketer. 
Electronic Payments: From Online Bill Payments to Credit
Cards—Statistics, Strategies, and Trends.
Market Research Report (June
2003
). 
6. Gerdes, G. and Walton J. The use of checks and other non-cash payments
in the U.S. 
Federal Reserve Bulletin 88, 
8 (Aug. 2002), 360–374. 
7. Gowrisankaran, G. and Stavins, J. Network externalities and technology
adoption: Lessons from electronic payments.
RAND Journal of Economics
35,
2 (Aug. 2004), 260–276. 
8. Kuykendall, L. E-billing: Some B2B lessons from Deere Unit. 
The Ameri-
can Banker 169, 
104 (June 2004), 16–17. 
9. Osterland, A. Digital billing: Show me the savings. 
CFO Magazine 
(Apr. 1,
2002), 61–63; www.cfo.com/article.cfm/3004056/c_3046521?f=related. 
10. Poje, R. 
Building on Success in Wholesale Lockbox and Saving the World.
Industry Report, Mellon Financial Corp. (Dec. 2003);
www.mellon.com/cashmanagement/bestpractices/buildingonsuccess.pdf. 
11. Southhard, P. and Siau, K. A survey of online e-banking initiatives. 
Com-
mun. ACM 47, 
10 (Oct. 2004), 99–102. 
12. Wade, B. Making electronic B-to-B payments user-friendly. 
The American
Banker 169, 
213 (Nov. 2004), 10–11.