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

2.   Losses and delinquencies from consumer loans, particularly credit card-related lending, remain a concern for analysts and investors.

3.   Although investors remained concern about tech profits, many tech stocks have fallen sharply in recent months, attracting bargain hunters.

4.   But ECB president Wim Duisenberg said just last week that the bank was holding off on a rate cut because inflation remains a concern.

5.   Continued human rights abuses in China also remain a concern to the United States, Fleischer said.

6.   International observers say security remains a concern, but expressed confidence that the necessary infrastructure was in place.