00410pab a2200145 454500008004000000100002000040245004800060260000900108300001300117362001200130650002400142650003700166650002300203773003800226180718b2003   xxu||||| |||| 00| 0 eng d  aSahrawat, Kiran  aTrends in electronic banking in New Zealand  c2003  ap.16-25.  aApr-Sep  aBanks - New Zealand  aElectronic banking - New Zealand  aElectronic banking  aJournal of Accounting and Finance