1. 1.  Adams, A., Sasse, M.A., and Lunt, P. (1997) ―Making passwords secure and usable‖ in People and Computers XII: Proceedings of HCI’97, Springer, Berlin, pp. 1-19.
   2. Beyer, H., and Holtzblatt, K. (1998) Contextual Design: Defining Customer Centered Systems, Morgan Kaufmann, San Francisco, CA.
   3. Claessens, J., Dem, V., Cock, D.D., Preneel, B., and Vandewalle, J. (2002) on the security of todays electronic banking systems, Computers & Security, 21(3), 257-269.
   4. Dewan, R., and Seidmann, A. (eds.) (2001) Current issues in ebanking (Special section), Communications of the ACM, 44 (6), 31-57.
   5. Dourish, P., and Red miles, D. (2002) ―An approach to usable security based on event monitoring and visualization‖ in Proceedings of the 2002 Workshop on New Security Paradigms,ACM Press, New York, pp. 75-81.