profitable small scale industries Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact. We have been using internet banking for quiet sometimes now. Even though there was internet banking security breach occasions, however the percentage is quite small. People has learned to be very careful and protecting themselves when using internet banking. Internet banking users are smart people plus they know how to protect their computer from malware and hacker which has the possibility to get rid of into their internet banking account.