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| Paris,
France July 9, 2003 Online Banking Security
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| EXECUTIVE SUMMARY | 3 |
| INTRODUCTION | 4 |
| A PRIMER ON ENCRYPTION | 6 |
| SECURITY CONFIGURATIONS | 10 |
| SECURITY ENVIRONMENTS OF RETAIL VS. CORPORATE BANKING | 18 |
| TECHNOLOGY VENDORS | 20 |
| COUNTRY COMPARISON | 22 |
| CONCLUSION | 26 |
| ABOUT CELENT | 28 |
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