@article{AckermannBerbnerMartinovicetal.2004,
  author    = {Ralf Ackermann and Rainer Berbner and Ivan Martinovic and Ralf Steinmetz},
  title     = {Voice-over-IP - next generation communication infrastructure for financial institutions?},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2004},
  number    = {4},
  pages     = {4 -- 6},
  year      = {2004},
}