Sashi Nand and Bhuvan Unhelkar, “Development of an Australian Trust Scheme of PKI to Enhance Confidence in Security for E-Transforming Organisations: A Study of a Cluster of SMEs in Australia”, Proceedings of the 1st International Business Information Management Association (IBIMA), ISBN:978-0-9753393-0-5, 16-18 December 2003, Cairo, Egypt.