Klaus Sandbiller Andreas Will Hans Ulrich Buhl Barrie R. Nault IT-Enabled Incentive Schemes in Telephone Banking. 249-256 1997 HICSS (3) http://csdl.computer.org/comp/proceedings/hicss/1997/7734/03/7734030249abs.htm db/conf/hicss/hicss1997-3.html#SandbillerWBN97