Transforming Financial Markets to Retail Investors: A Comparison of the U.S. and the German On-line Brokerage Market - Holtmann, Carsten; Lattemann, Christoph; Strecker, Stefan; Weinhardt, Christof (Proceedings of the 34th Hawaii International Conference on System Sciences, HICSS-34, Honululu, HI, January 3-6, 2001, 2001)