1.   Internet banking saves customers a lot of time.

2.   Internet banking will considerably reduce the cost of doing business.

3.   Internet banking dates back about four years, but it has begun to catch on only during the past year or so.

4.   Internet banking is not without its dark moments.

5.   Internet banking has begun to change the way millions of people manage the everyday details of their household finances.

6.   Internet banking may take longer to establish, as security remains a concern.

7.   Internet banking, as well as the wireless database market, will be two focal points for the company as it moves forward, said Chen.

8.   Internet banking remains in its infancy, however, so G and L has had to do extensive research and development.

9.   Internet banking has already reached a certain level of complexity.

10.   Internet banking has been gaining popularity in technology-savvy Singapore.