1

Allen, Brandt, The embezzler's guide to computer system. Harvard Business Review, July-August 1975.

2

Arthur D. Little. "The consequences of electronic funds transfer - A technology assessment of movement towards a less cash/less check society," Report C-76397, Cambridge Massachusetts. January. 30, 1975.

3

Boehne, E. "The fed's job is getting harder." Financial Section, New York Times, July 21, 1974.

4

Brief of the United States Department of Justice to the Board of Governors of the Federal Reserve System in the matter of proposed amendment to regulation j and related issues (unpublished M. S., n.d.), 36pp.

5

Clyton, R. E. "Electronic funds transfer is coming," Banking, September 1972, 65, 42--16

6

Cox, E. B. and Giese, P. "Now it's the less-check society."Harvard Business Review, November December 1972, 6--18.

7

Ege, S. M. "Electronics funds transfer: A survey of problems and prospects in 1975." Md. Law Review, 35 (1) 3--56.

8

"Evolution of the payments mechanism," Federal Reserve Bulletin, December, 1972, 58 (3), 1009--1012.

9

Federal Reserve Bank of Boston, The Economics of a National Electronic Funds Transfer System, Conference Series No. 13, October, 1974, Boston, Massachusetts.

10

Federal Reserve Board of Governors. "Transfer of funds through federal reserve bank," Federal reserve system (12 CRF Part 210), November 15, 1973.

11

Hetzel, W. C. (Ed.), Program test methods, (Englewood Cliffs, New Jersey: Prentice Hall) 1973.

12

Hoffman, Lance (Ed.), security and privacy in computer systems. (Los Angeles: Melville Publishing Co.), 1973.

13

Kling, R., adn Gerson. E. "The social organization of the systems world," University of California Irvine 1975. Spring Joint Computer Conference, (New York: Thompson Book Co.), 391--300.

14

Klking, Rob. "Passing the Digital Buck: Unresolved Technical and Social Problems with Electronic Funds Transfer Systems," University of California, Irvine, June 1976.

15

Richard R. Linde, Operating system penetration, Proceedings of the May 19-22, 1975, national computer conference and exposition, May 19-22, 1975, Anaheim, California  [doi>10.1145/1499949.1500018]

16

Long, R. H. Discussion paper in The economics of a national electronic funds transfer system, Conference Series No. 13, October, 1974, Boston, Massachusetts.

17

Long, R. H. "EFTS." banking, and regulation J: A report by the ACT Division of BAI," (Bank Administration Institute, Park Ridge, Illinois), 1974.

18

Lovati, J. M. "The changing competition between commercial banks and thrift institutions for deposits," Bulletin, Federal Reserve Bank of St. Louis, July, 1975, 2--8.

19

H. E. Petersen , R. Turn, System implications of information privacy, Proceedings of the April 18-20, 1967, spring joint computer conference, April 18-20, 1967, Atlantic City, New Jersey  [doi>10.1145/1465482.1465526]

20

Reistand, D. Reistad research report nos. 8 and 9: Security and standards. (New York: Payment Systems, Inc.), July, 1973.

21

Rulr, J. Private lives and public surveillance. (New York: Scholcken Books), 1974.

22

Rule, J. Value choices in electronic funds transfer policy. Office of Telecommunications Policy, Executive Office of the President, Washington, D. C., October. 1975.

23

Slatzer, Jerome H. and michael D. Schroeler. "The protection of information in computer systems," Proc. IFEE, 65, No. 9, September, 1975, 1278--1308.

24

Clark Weissman, Secure computer operation with virtual machine partitioning, Proceedings of the May 19-22, 1975, national computer conference and exposition, May 19-22, 1975, Anaheim, California  [doi>10.1145/1499949.1500160]

Kenneth L. Kraemer , Kent W. Colton, Policy, values, and EFT research: anatomy of a research agenda, Communications of the ACM, v.22 n.12, p.660-671, Dec. 1979

Rob Kling, Value conflicts and social choice in electronic funds transfer system developments, ACM SIGCAS Computers and Society, v.11 n.3, Summer 1981

Kenneth L. Kraemer , Kent W. Colton, Overview of the EFT symposium, Communications of the ACM, v.22 n.12, p.641-643, Dec. 1979

Rob Kling, Value conflicts and social choice in electronic funds transfer system developments, Communications of the ACM, v.21 n.8, p.642-657, Aug. 1978

Alice Robbin, Rob Kling In Search of One Good Theory, The Information Society, v.23 n.4, p.235-250, July 2007

Kenneth L. Kraemer , John Leslie King , Kent Colton, Towards an agenda for EFT research, ACM SIGCAS Computers and Society, v.8 n.2, p.3-11, Summer 1977

Kenneth L. Kraemer , Kent W. Colton, Policy, values and EFT research: anatomy of a research agenda, Proceedings of the May 19-22, 1980, national computer conference, May 19-22, 1980, Anaheim, California

Rob Kling: colleagues