He said public opinion - often more in favour of custody - also had to be taken into account when dealing with individual cases.
At Charles Schwab, an American retail brokerage firm, it took just three years for online dealing to account for more than half of all its securities trading.
It gives individual countries the option of making compulsory the regular rotation of auditors or the senior partner dealing with an account.
"Such an argument does not adequately account for the nuances of dealing with thinner volume markets elsewhere, " contended Pener of the Casey Institute, whose chairman addressed the issue with the USCIRF.
It is a conflict of interest which, outsiders argue, enables banks to make huge sums of money on their proprietary trading (dealing on their own account).
Faced with an increasingly diverse workforce due not only to generational differences, but also globalization, later retirement dates and a host of other factors, organizations have a number of critical talent management decisions: ranging from taking into account varying skills of employees to dealing with differing preferences and motives.
FORBES: Sustainable Management: Focus on Individuals, Not Generations
Ahead of election day, University of Pennsylvania computer scientist Matt Blaze warned that New Jersey officials were likely failing to take into account the size of the problem of dealing with tens or hundreds of thousands of email-based votes.
FORBES: Despite Security Fixes, New Cracks Appear In New Jersey's Last-Minute Email Voting Scheme
Accepting Bitcoins also allows merchants to avoid much of the administrative overhead, like dealing with chargebacks, that come with a conventional merchant account.
New ways of dealing with micro-payments are emerging, such as by deduction from a prepaid account with a computer company, Internet-service provider or mobile-phone company.
The focus on German account holders comes after the German parliament last year blocked a controversial German-Swiss tax treaty, dealing a major setback for Switzerland.
Ms Neighbour offers no grand prescriptions for dealing with terrorism, but her book is a compelling, readable and well-informed account of an Islamist terror network that has spread across South-East Asia.
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