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	3	Sources list for EXPLAIN HOW THE BANK OF ENGLAN
	Schubert, R. (2003, January). Analyzing and managing risk - an opportunity for banks. News for Banks. UBS. Retrieved January 25, 2005 from Web site: http://66.102.7.104/search?q=cache:98qKN9TAoOYJ:www.u bs.com/1/ShowMedia/bank_for_banks/news/archive%3Fcont Portfolio Risk Management Federal Reserve Bank of New York - Banking Information- E-Banking. On the Internet at www.newyorkfed.org/education/ebanking/print.html E-Banking delivery channels. The Financial Gazette. November 2004. On the Internet at http://www.fingaz.co.zw/fingaz/200 E-Banking Operations Czyrnik, Kathy, and Linda S. Klein. "Who Benefits from Deregulating the Separation of Banking Activities? Differential Effects on Commercial Bank, Investment Bank, and Thrift Stock Returns." The Financial Reivew 39 (2004): 317-341. Deregulation and Investment Banking Samaad, M. (1999, March 12). Consumers (finally) line up for online banking. Bank Rate Monitor. Retrieved February 25, 2005 from Web site: http://moneycentral.msn.com/articles/banking/basics/3100.asp Banking Technology Samaad, M. (1999, March 12). Consumers (finally) line up for online banking. Bank Rate Monitor. Retrieved February 14, 2005 from Web site: http://moneycentral.msn.com/articles/banking/basics/3100.asp On-Line Banking