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If you visit the guest book you will find a number of criminal types talking about buying and selling the credit cards. This is very disturbing. It realizes the fear people have about online commerce.

While the number of new Internet users in the US and the total number of online buyers are both growing at single digit rates, online sales are experiencing double-digit increases. Credit goes to baby boomers who are increasing their online spending and a cadre of digitally literate young adults who are replacing older Internet shoppers in the e-commerce marketplace. These demographic forces — coupled with the spread of broadband access — are changing the way people shop online and how Web merchants market to them.

Oh, I think there are a lot of people who would be buying and selling online today that go up there and they get the information, but then when it comes time to type in their credit card they think twice because they're not sure about how that might get out and what that might mean for them.

Bill Gates (1955-)

Bill Gates

[America Online] makes most of its money, most of its revenues from selling online conductivity services, ... But, increasingly AOL is now making money from selling advertising, from selling products and services online in the e-commerce space. And we think that's going to continue over time. Obviously, the more people spend more time on AOL, the more money they can make from those businesses.

It?s a very difficult industry right now with cards. A lot of the dealers are selling a quarter of book price. Everyone?s dumping stuff and card companies are closing. Guys are selling cards at a quarter of book value and that?s sad to see.

Victor Andreoli

Several trends about online buying continue to develop -- especially regarding credit card security -- that could have major effects on the evolution of Internet commerce.

[In an increasingly electronic world, an estimated 70 to 100 million credit-challenged consumers in the United States are turning to prepaid debit cards for online and offline transactions alike. Credit-challenged Americans include students, low-income persons, and new immigrants.] Prepaid debit and gift cards enable anyone to transact online, offline, and by telephone, ... Prepaid cards are a perfect complement to Bills.com, our online bill payment property. The agreement with Carmen Electra -- given her fan base and natural appeal to a significant percentage of our target consumers is a coup for us.

Widespread availability of broadband, an increase in retailers using multiple channel strategies, increased online tenure and the facilitation of disposable credit cards such as the one announced by Permanent TSB will lead to a significant rise in the number of online shoppers in Ireland.

Widespread availability of broadband, an increase in retailers using multiple channel strategies, increased online tenure and the facilitation of disposable credit cards such as the one announced by Permanent TSB will lead to a significant rise in the number of online shoppers in Ireland,

Shopping online can be safe if the site you are buying from is a secure site. Consumers need to know how to evaluate the security of e-commerce Web sites before buying something online.

Nancy Granovsky

The way we use cards and credit certainly changes. What used to be a five-year change cycle now happens in a year. People will continue to use cards more and more for different types of financial transactions.

The Internet is gradually becoming more of a standard way to shop. It's convenient to use, especially as people are more confident now of using their credit cards online. Web vendors are giving customers what they want like free shipping or the option to order online and pick up the goods at the store.

David Berkowitz (1953-)

[Indeed, consumer financial fraud has been around as long as checking accounts and credit cards, and banks already do plenty to stop fraud. But e-commerce has opened virgin criminal frontiers.] In the past, everything was much more traceable, ... Now you can open 10,000 (bogus) accounts in the time it used to take to open one, all in a faceless Internet.

This is probably the biggest fraud against the banking system so far. It's unusual because we're talking about debit cards, not credit cards. Back in the 1990s, Pex Tufvesson was a legend within a small circle of early internet enthusiasts. This is probably the biggest fraud against the banking system so far. It's unusual because we're talking about debit cards, not credit cards.

Twenty-four percent, or 35 million, have participated in an online auction, either buying or selling. People are comfortable [with these sites].

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