The net is obviously the prime site for these one to one marketers. Banks will soon be able to create an individual web site for each customer with their own account information on it.

There will be worries - about security of information and also the abuse of it. But one to one enterprises will have to make a contract with their customers promising not to sell on the information they have or to abuse it, telling them clearly what they plan to do with it, says Peppers. Work continues on encrypting data securely. The anti commerical ethos in the internet too is gradually being overcome.

But the changes go much further than the net. Soon supermarkets though loyalty cards will know more about what is in your fridge than you do.

They will also be able to remind you that you may be low on coffee or loo roll. Knowing you are a vegetarian, they might tell you of a special offer on organic milk. It will be easier for you and more efficient for the shop if you do use the internet to send your order which you then pick up or have delivered.