Consent of Independent Auditors


We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated November 13, 1998, in the Registration Statement 
(Form SB-2) and related Prospectus of Internet Financial Services, Inc. for the 
registration of 1,700,000 shares of its common stock.


                                                 /s/ Ernst & Young LLP
                                                 -----------------------
                                                 Ernst & Young LLP


New York, New York
February 4, 1999