<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>6</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Efraim Turban</style></author><author><style face="normal" font="default" size="100%">Jay A. Aronson</style></author><author><style face="normal" font="default" size="100%">Ting-Peng Liang</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Decision Support Systems and Intelligent Systems</style></title></titles><dates><year><style  face="normal" font="default" size="100%">2005</style></year></dates><publisher><style face="normal" font="default" size="100%">Upper Saddle River, NJ: Pearson Prentice Hall</style></publisher><language><style face="normal" font="default" size="100%">eng</style></language></record><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Debbie McElroy</style></author><author><style face="normal" font="default" size="100%">Efraim Turban</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Using Smart Cards in Electronic Commerce</style></title><secondary-title><style face="normal" font="default" size="100%">International Journal of Information Management</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">1998</style></year><pub-dates><date><style  face="normal" font="default" size="100%">1998</style></date></pub-dates></dates><volume><style face="normal" font="default" size="100%">18</style></volume><pages><style face="normal" font="default" size="100%">61-72</style></pages><language><style face="normal" font="default" size="100%">eng</style></language><issue><style face="normal" font="default" size="100%">1</style></issue></record></records></xml>