1. Anonymous, (2000), ‘Smart cards set to maintain 20 — 25% growth’,Card Technology Today, November/December 2000, p. 2.
2. CityBus Limited (2001), Personal communication, June, Hong Kong.
3. Fancher, C. H. (1997) ‘Electronic payments, in your pocket smart cards,’IEEE Spectrum, February 1997, pp 47–53.
4. Hibbert, L. (2000), ‘Professional Engineering,’ 6 September 2000, pp 38–39.
5. Hong Kong Monetary Authority (HKMA, 2001), visited on 29 July 2001, ‘Granting of authorisation to Creative Star Limited as a deposit taking company’, http://www.info.gov.hk/hkma/eng/press/2000/20000425e4.htm.