<?xml version="1.0" encoding="UTF-8"?><xml><records><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%">Gregory E. Truman</style></author><author><style face="normal" font="default" size="100%">Kent Sandoe</style></author><author><style face="normal" font="default" size="100%">Tasha Rifkin</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">An Empirical Study of Smart Card Technology</style></title><secondary-title><style face="normal" font="default" size="100%">Information &amp; Management</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2003</style></year><pub-dates><date><style  face="normal" font="default" size="100%">2003</style></date></pub-dates></dates><volume><style face="normal" font="default" size="100%">40</style></volume><pages><style face="normal" font="default" size="100%">591-596</style></pages><language><style face="normal" font="default" size="100%">eng</style></language><issue><style face="normal" font="default" size="100%">6</style></issue></record></records></xml>