EXHIBIT 23.02



                     SIMON KROWITZ BOLIN & ASSOCIATES, P.A.
                         11300 ROCKVILLE PIKE SUITE 800
                            ROCKVILLE, MARYLAND 20852


Consent of Independent Public Accountants

As independent public  accountants,  we hereby consent to all references to this
form under the heading "Experts" and the incorporation of our report dated April
3,  2001,  in this  registration  statement  (Form  SB-2 as  amended)  of Demand
Financial International, Ltd.


/s/ Simon Krowitz Bolin & Associates, P.A.

December 6, 2001