Kent Sandoe is an Associate Professor of Management Information Systems at California State University, Chico, where he teaches corporate information technology and electronic commerce. Kent has over 20 years of experience in the information systems area as a programmer, analyst, manager, and consultant. He has worked in a variety of industries, primarily within the transportation and financial services sectors. Recently, he worked within th Internet Commerce IT group at Cisco Systems where he conducted rrsearch on payments technologies. Prior to joining Chico State, Kent was on the faculty of...