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1. I have seen many presentations about electronic payments, and it all seemed to start with the same thing, i.e. a description of how a credit card process works. But it seems that we are missing a very important business perspective here. What kinds of these opinions are used outside the Internet in which countries. What are the most important ones, is that credit card the only one major means of payment on the Internet? These are as many questions which were giving very few answers in all this presentations I read. Yet, I was able to find material related to the usage of electronic payments in Europe, and we will see that if you want to set shop in Europe, this kind of information is currently very useful to you