1. Internet As A Business Tool Peter Lilburn

2. Consumer Advantages The Internet has affected most individuals basic routine such as paying bills and receiving wages

3. Consumer Individuals can now access bank accounts online and access ATMs to get real money

4. Consumer Holidays can be booked and paid for over the internet as well as goods being bought using credit cards.Holidays can be booked and paid for over the internet as well as goods being bought using credit cards.

5. Consumer It is easy for a consumer to find extensive reviews and information about a product before buyingIt is easy for a consumer to find extensive reviews and information about a product before buying

6. The Organisation ICT has been adopted by many companies to increase efficiency and quality. Automate laborious tasks. Enable better communications

7. The Organisation Businesses have picked up ICT to gain commercial advantage and add value.

8. Disadvantages Nearly every individual has to pick up ICT to be seen as competent when applying for a job or starting a business. Hacker-hacker most often describes someone who "hacks into" a system by evading or disabling security measures.

9. The Organisation Disadvantages Any smaller businesses that cant afford to advertise using the internet or buy a whole new ICT system may lose out. Labourers could lose their Jobs to more efficient machines.