Although consumer use of services like PayPal will continue to grow rapidly over the next five years, profits will remain elusive for providers, according to the Tower Group. It projects a compound annual growth rate of 149% for Internet P2P payments through 2005, when more than 95% of Internet P2P payments will be online auction transactions. However, consumer-to-business (C2B) payments over the Internet will top 31 billion items in 2005, nearly 8 times the anticipated Internet P2P payment volume for that year. The Tower Group research can be found in the published report, "Internet Opportunity? The Potential of the Evolving Person-to-Person Payment Market." http://www.towergroup.com