When he describes the security function's goals at Starbucks Coffee, Francis D'Addario shares a 13-syllable mantra: Protect people. Secure assets. Enable mission.
Stories by Michael Goldberg
When managers at the Federal Home Loan Bank of Dallas decided to automate some customer transactions nine years ago, they didn't call it B-to-B e-commerce. Nancy Parker, senior vice-president and CIO, and her team developed an application to let customers small to midsize banks automate wire transfers for cash advances. The Internet became the medium, and the program's success yielded some quick lessons.
The bank further developed its program, SecureConnect, to include financial status reports and updated interest rate quotes. Customers, using encrypted passwords, get confirmation of their transactions and account updates in real-time.
By July 2003, if the European Union's finance ministers have their way, Internet sales of digital goods and services to European shoppers will be subject to a value-added tax (VAT). That means if you're selling online content to a consumer in Germany, you have to charge more to include the German VAT rate.
The rub here, according to U.S. officials, is that companies with offices in Europe pay the home-country rate. Vendors outside the E.U. pay the VAT rate based on where the consumer lives. U.S. officials argue these rules will put small U.S. companies seeking to grow global sales at a disadvantage. European online surfers already shopping U.S. websites probably won't be too pleased, either. Most U.S. companies selling digital products don't add VAT.
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