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Adrian, B. 2003. Make Sure Outsourcing is a Good Idea for your Call Center. Gartner Research Note, June 18, 2003.

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Banking Industry Technology Secretariat ("BITS"). 2004. Meeting with BITS staff discussing privacy risks relative to the offshoring of financial institution functions. Additional discussion related to discussion of the BITS Framework . . . (referenced below). April 13, 2004.

---. 2004a. Conference call with BITS staff discussing privacy risks relative to the offshoring of financial institution functions. April 8, 2004.

---. 2004b. BITS IT Service Provider Expectations Matrix (Washington, DC). January 2004.

---. 2003. BITS Framework for Managing Technology Risk for IT Service Provider Relationships (Washington, DC). November 2003.

Basel Committee on Banking Supervision. 2003. Management and Supervision of Cross-Border Electronic Banking Activities. July 2003.

Cocheo, Steve. 2004. Global Think? Or Job Shrink?. ABA Banking Journal. May 2004: 41-42 and 64-65.

Cournoyer, Susan. 2003. Financial Services Providers Steer IT Spending Toward Outsourcing and Business Process Expertise. Gartner Research Note, May 9, 2003.

---. 2003a. FSPs Forge Ahead with IT and Business Process Outsourcing. Gartner Research Note, June 20, 2003.

---. 2003b. Midsize Banks Seek Answers About Outsourcing. Gartner Research Note, December 9, 2003.

DeLotto, Richard. 2002. Financial Service Providers: Plan for the Unthinkable. Gartner Research Note, June 13, 2002.

---. Some U.S. Outsourcing Risks are Often Overlooked. Gartner Research Note, June 17, 2003.

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---. 2004. Conference call with bank examination staff discussing the operations of data service provider Jack Henry. April 14, 2004.

---. 2004. Conference call with bank examination staff discussing the operations of data service provider Metavante. April 9, 2004.

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---. Core Banking Vendors are Going Offshore. 2003. Gartner Research Note, June 18, 2003.

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Kelly, Hugh. Office of the Comptroller of the Currency. 2004. Cross Border Outsourcing: A Regulatory Perspective. A presentation at the International Supervision Conference for Developed Nations. March 31, 2004.

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Lowes, Peter and Woosley, Frank. Deloitte Group. 2004. Offshoring and Cross-Border Outsourcing by Banks. A presentation at the International Supervision Conference for Developed Nations. Much of the material in the presentation related to Deloitte's 2003 FSI Offshore Survey. March 30, 2004.

McCarthy, John C. 2004. Near-Term Growth of Offshoring Accelerating. Forrester Research, Inc., May 14, 2004.

Metavante. 2004. Conference call with Metavante staff discussing privacy risks relative to the offshoring of financial institution functions. April 26, 2004.

Morello, Diane. 2003. The Organizational Implications of Offshore Outsourcing, Gartner Research Note, October 24, 2003.

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Organisation for Economic Co-Operation and Development. 1980. OECD Guidelines on the Protection of Privacy and Transborder Flows of Personal Data, revised 2002 (Paris, France).

Terdiman, Rita. 2000. Offshore Programming: Country Issues. Gartner Research Note, September 28, 2000.

---. 2002. Analysis of India: Today's Dominant Offshore Outsourcer. Gartner Research Note, January 16, 2002.

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